vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hello, I'm XXXX, ( XXXX ) I live in XXXX  and work as an XXXX XXXX for XXXX I just started this job a few days ago, ( XXXX XXXX ) for as though jobs in general are very hard to come by now, and my first gig was located in XXXX, VA, for someone named XXXX XXXX, and it was for me to be a client 's XXXX XXXX and clean their home for while they're away for a few days of the week. 

The next day, the client then pays me upfront my first check, and asks if I could XXXX him for an extra project in his home. I said no. He then proceeds to want to bribe me to think he's changing my mind of doing more than what I was asked to do. Desperate in need enough, I tried it anyways. Then I try to offer through XXXX instead, I then payed him {$300.00} for his project. A moments later, while on my way over there, he's saying I'm avoiding him, dismissing him, ignoring him, when I JUST told him over the phone I was on my way over to his home start my deed. 

Afterwards, nightfall comes, not even halfway over there, and a few still dollars short, I get a call saying " I didn't receive the payment from XXXX yet ''. Madness! Plus, there's a bombardment of messages through XXXX. With the last one reading " I'm reporting you to the FBI '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did what they told me to do, and all I get in return is nothing but a notice? Not cool, and not fair either. Below is a record of my payments to me, to him through XXXX, and a row of messages between us. 

Now as for today, ( XXXX ), this left me in a whirlwind of mess and leaving me with my bank account with Cap One bankrupt for NOTHING! 

I've NOT EVER had this happen to me before, and I'm not confident in it letting it happen to me again. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I dispute the following hard inquiries as unauthorized or unverifiable and request their immediate removal : Date Creditor Name XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And all other inquiries not authorized by me These inquiries were not authorized by me and do not reflect any initiated credit applications. Under FCRA 1681b ( c ), a permissible purpose is required for a hard inquiry. If no such authorization can be proven, the inquiry must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the credit reporting agency, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable item. 
XXXX XXXX XXXXXX/XX/XXXX ( Original Creditor : XXXX BANK ) XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I'm not liable for this debt with XXXX Bank. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested. I am unable to find a XX/XX/XXXX profile for XXXX XXXX XXXX to file a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian XXXX XXXX Account name XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$470.00} written off. {$200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$470.00} Terms - Account name XXXXXXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$400.00} Highest balance {$420.00} Terms - * Equifax Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Revolving Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account Revolving Account number XXXX Date opened XX/XX/XXXX Account type Collection Account Status Unpaid Status updated XX/XX/XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection Account Status Unpaid Status updated XX/XX/XXXX * TransUnion Account number XXXX Date opened XX/XX/XXXX Account type Open account Status -Status updated XX/XX/XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Revolving account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I woke up around XXXX XXXX on XX/XX/year> and noticed a text message from CHIME banking informing me that the phone number on my account had been changed and if it wasnt authorized by me to give them a call. I went onto the mobile app just to see what was going on and all of my accounts were emptied! From there I immediately called chime support and began working on the situation, after about a hour trying to immediately resolve the issue I had to settle for filing a dispute for 3 charges totaling {$720.00}. I provided screenshots of everything I had seen like the transactions and the text message notifying me of the phone number being changed. Today on XX/XX/year> I got an update on the claim informing me that they denied my request. I immediately called to understand why they denied the dispute, the representative explained to me that the fraud department determined that nothing abnormal caught their attention.. I wasnt willing to accept that so I asked to speak to a supervisor, they told me the same thing and informed me that I had to wait up to 10 days for a detailed report on why they wont give me my money back This is insane! And I need help, I dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Between XXXX XXXX XX/XX/year> my credit report is inaccurately stating Im late on payments. I have made payments the company has failed to accurately report this information on credit report. I have tried to reach out to company but no one helps me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Between XXXX XXXX XX/XX/year> my credit report is inaccurately stating Im late on payments. I have made payments the company has failed to accurately report this information on credit report. I have tried to reach out to company but no one helps me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Formal Dispute Description 1. Fraudulent Activity : - Date Discovered : XXXX - Issue : Unauthorized charges totaling {$6100.00} were made on my credit card account after the physical card was stolen from a compromised mailbox at my residential address. 

2. Actions Taken by Me : - Police Report Filed : XX/XX/XXXX, at XXXX XXXX  with the XXXX XXXX Department. 
- Case Numbers : [ Insert Police Report # 1 and # 2 ]. 
- Certified Dispute Letters Sent : - Initial dispute letter sent to the companys designated address ] ( prior to XXXX ). 
- Follow-up certified dispute letter sent in XX/XX/XXXX, outlining the fraud, demanding investigation, and providing the police reports. 
- Confirmation : XXXX Tracking XXXX Companys Failures : - No Response : The company ignored both the police reports and multiple dispute letters. 
- Inaccurate Reporting : Despite proof of fraud, the company charged off the account in XX/XX/XXXX and falsely reported it to credit bureaus as closed at consumers request with a {$6100.00} balance. 
- Credit Harm : This fraudulent charge-off remains on my credit report, severely damaging my creditworthiness. 

4. Legal Violations : - Fair Credit Billing Act ( FCBA ) : The company failed to investigate the fraudulent charges within 90 days of receiving my disputes. 
- Fair Credit Reporting Act ( FCRA ) : The company knowingly reported inaccurate information to credit bureaus after receiving proof of fraud. 

5. Requested Resolution : - Immediately remove the fraudulent account and charge-off from all credit reports. 
- Correct credit reporting to reflect the account was closed due to fraud, not consumer request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing this complaint because Experian has failed to properly process my request for an investigation into inaccuracies on my consumer credit report. 

I submitted a written dispute, which I sent by certified mail with return receipt requested, along with all required identification and proof of address, including : A valid government-issued ID, and A recent utility bill in my name and at my address. 

Despite providing these valid documents, Experian responded with an email stating that my submission looked suspicious and therefore they would not process my request. This response is not accurate and appears to be a stalling tactic to avoid conducting the reinvestigation required by law. 

I have not yet received my return receipt card back, although the certified mailing confirms delivery to Experian. This indicates they received my dispute but chose not to comply. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, Experian is required to conduct a reasonable reinvestigation of any disputed item in a consumers credit report when the consumer provides sufficient identification and evidence. I have provided more than enough proof of my identity and residence to validate my request. 

Experians refusal to investigate and its attempt to dismiss my valid submission as suspicious denies me my rights under the FCRA and delays correction of inaccurate information that could harm my credit standing. 

Relief Requested : I request that the CFPB require Experian to : Accept my dispute as valid, Conduct a proper reinvestigation of the disputed information, and Provide me with timely results of their investigation as required by law. 

I further ask that the CFPB review Experians practice of rejecting valid consumer disputes without reasonable basis, as this undermines consumer protections guaranteed under the FCRA. 

Respectfully submitted,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remake have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Credit Card Services is direct violation of California Penal Code 632 - two party consent state when recording telephone calls.

I was disconnected 3 separate times because I would not consent to the recording even though they proceeded on a bit before disconnecting. They are also in breach of contract which eliminates my liability against them. 

XXXX XXXX XXXX, XXXX, and the supervisor XXXX all refused to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I dispute the following hard inquiries as unauthorized or unverifiable and request their immediate removal : Date Creditor Name XX/XX/XXXXXX/XX/XXXX XXXX And all other inquiries not authorized by me These inquiries were not authorized by me and do not reflect any initiated credit applications. Under FCRA XXXX ( c ), a permissible purpose is required for a hard inquiry. If no such authorization can be proven, the inquiry must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've recently received a copy for my credit report and noticed some inaccuracies and unauthorized accounts / information reporting to my credit report. These remarks have been detrimental to my life and my health

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've recently received a copy for my credit report and noticed some inaccuracies and unauthorized accounts / information reporting to my credit report. These remarks have been detrimental to my life and my health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
Credit Acceptance Corp is reporting inaccurate and misleading information about my auto loan account to XXXX. I previously disputed this information, but it continues to be furnished incorrectly. 

The errors are as follows : Past Due Amount Misreported They are reporting the entire balance ( {$3600.00} ) as Past Due. 

For installment loans, only missed monthly payments should be reported as past due. Reporting the full balance as past due is false and materially misleading. 

Terms Misreported They are reporting {$0.00} per month, paid monthly for 30 months. 

This is factually impossible. A loan can not have $ 0 monthly payments. This violates XXXX XXXX guidelines for accurate field reporting. 

Delinquency History Misrepresented They are reporting the account as XXXX days late every month since XX/XX/year>. 

Under XXXX XXXX standards, an account can not remain indefinitely XXXX late. After XXXX days delinquent, the account must be updated to reflect a charge-off, repossession, or closure. This perpetual delinquency reporting is misleading and punitive. 

Balance vs. XXXX XXXX XXXX They report XXXX XXXX {$3400.00} and XXXX {$3600.00} without documentation of fees, interest, or legal justification for the inflated balance. 

Why this is a problem : These errors violate FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to provide accurate and complete information. The reporting is also inconsistent with Metro 2 standards, the industry guidelines for credit data furnishing.

Because of this inaccurate reporting, my creditworthiness is being harmed unfairly.

What I want : A full investigation into this account. 

Documentation supporting Credit Acceptances reporting ( signed contract, payment history, and itemized balance accounting ). 

Correction of the inaccurate reporting or full deletion of the tradeline from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation