vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XX/XX/2025, THE CBE GROUP INC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX | ( XXXX ) XXXX Account Number : XXXX XXXX To Whom It May Concern, I am formally requesting that THE CBE GROUP INC cease and desist from any and all further communication with me regarding the above-referenced account. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Additionally, I am disputing the accuracy and validity of any information you have furnished or may furnish to any credit reporting agencies concerning this account. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, you are required to ensure that any information reported is accurate and verifiable. If this account can not be verified with complete documentation proving its validity, you must immediately : Cease all collection activity ; and Delete or correct any inaccurate information previously reported to XXXX, XXXX, XXXX, or any other credit reporting agency. Please confirm in writing that you have received this letter and that you will comply with these requests. Failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for violations of federal law. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
According to 15 USC 1681 c-2 and 1681s-2 you have broken the law by reporting this information on my report knowing its inaccurate. Remove this fraudulent information from my credit report immediately XXXX

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 2025-10-29 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:
According to 15 USC 1681 c-2 and 1681s-2 you have broken the law by reporting this information on my report knowing its inaccurate. Remove this fraudulent information from my credit report immediately XXXX

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 2025-10-29 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: WA

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX Original Creditor XXXX  XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
I am writing in response to a collection notice or communication I received from your company regarding the debt referenced above. This letter is a formal request for validation of the alleged debt, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FDCPA, I have the right to request verification of this debt before any further collection activity may continue. Therefore, please provide the following information : 1. The name of the original creditor and the full account number associated with the alleged debt.

2. The amount of the debt, including an itemized breakdown of principal, interest, fees, and any other charges.

3. Proof that your company is authorized to collect this debt, including any assignment or transfer of the account.

4. A copy of the original signed contract or agreement that created this obligation. 
5. Documentation showing that your company is licensed to collect debts in my state, if applicable.

Until this information is provided, you are required to cease all collection activities, including reporting this debt to any credit bureaus, as outlined under 15 U.S.C. 1692g ( b ).

Please note that I am keeping detailed records of all communications with your company regarding this matter. If you fail to provide proper validation within a reasonable timeframe, any continued collection attempts will be considered a violation of the FDCPA.

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 2025-10-29 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this statement to the Consumer Financial Protection Bureau ( CFPB ) to report JPMCB CARDs failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal written dispute directly with JPMCB CARD regarding the inaccurate reporting of Account No. XXXX. I specifically requested that the company conduct a proper reinvestigation, verify the accuracy of the account, and provide me with written confirmation of the findings as required by 15 U.S.C. 1681s-2 ( b ).

Despite allowing sufficient time for reinvestigation, JPMCB CARD has failed to respond or provide documentation proving the validity of the reported information. This inaction constitutes a violation of the FCRA, as furnishers are required to promptly investigate consumer disputes and report accurate, verified results to the credit reporting agencies. The continued reporting of unverified or inaccurate information has caused harm to my credit reputation and reflects willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o.

I am respectfully requesting that the CFPB intervene and require JPMCB CARD to immediately verify or delete the disputed account from my credit file. Additionally, I ask that the furnisher provide a written explanation of its reinvestigation process, the method of verification used, and a copy of any supporting documentation relied upon to validate the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: NY

Complaint narrative:
My card was stolen and charged XXXX on XX/XX/XXXX. Chime at first refused to refund my money claiming it was my fault after filing a complaint with you. They however refunded me XXXX but refuse to refund the rest of my money when all the transactions were taken on the same day at same merchant. Yet they refuse to refund the rest of my money and refuse to reopen my claim which I don't see why I should chime is determined to keep my money somehow

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: IL

Complaint narrative:
I am submitting to formally dispute and request the immediate removal of fraudulent items that have appeared on my credit report. Upon careful review, I identified several accounts that I did not authorize, open, or recognize. Based on the information available, I have reason to believe that my personal identifying information has been used fraudulently without my consent. 
The following accounts are fraudulent and should be removed immediately from my credit report : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> These items were not opened or authorized by me. Therefore, I request that conduct an expedited investigation in accordance with the FCRA and remove the reporting of these items from my credit file. If you believe any of the listed items are legitimately associated with me, please provide copies of all supporting documentation, including signed applications, contracts, or any records bearing my verified signature.

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 2025-10-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account, including the alleged auto loan and illegal repossession, is formally disputed under FCRA 605B and 1681c-3. I did not authorize this account, and it was established through identity theft following the XXXX  data breach that exposed my personal information. XXXX XXXX has reported false, harmful, and unverified data in violation of federal consumer protection laws. 
You are hereby required to block, delete, and remove all reporting related to this auto loan, repossession, or any associated tradeline from all consumer reporting agencies within four ( 4 ) days of receipt of this notice.

Pursuant to my rights under the FCRA, I am also demanding all signature documents, contracts, and written authorizations allegedly used to open or maintain this account. If you can not produce these documents with my legitimate signature and supporting identification, this account must be permanently deleted.

Failure to comply within the statutory period will result in immediate legal action for damages, willful non-compliance, and continued defamation of character. This letter serves as formal notice of my intent to sue if this matter is not resolved promptly.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 2025-10-29 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am submitting this as my 9th formal follow-up complaint regarding multiple inaccurate and unverifiable items that continue to appear on my consumer credit reports, despite previous disputes and prior CFPB complaints. These errors involve both inaccurately reported accounts and unauthorized inquiries, which continue to harm my credit reputation and violate my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX BANK Reported as a charge-off without verifiable proof or supporting documentation. 
XXXX XXXXXXXX Reflects false delinquency and duplicate reporting across credit bureaus. 
XXXX XXXXXXXX BANK Inaccurate payment history and conflicting balance information. 
XXXX Incorrect account status and unverifiable activity. 
XXXX XXXX XXXX Wrongly listed as charged off, inconsistent with payment records. 
XXXX  XXXX XXXX Displays incorrect status and unverified late payment not supported by billing history. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX These inquiries were not authorized by me and violate FCRA 604 [ 15 U.S.C. 1681b ( f ) ], which restricts access to consumer reports to those with a legitimate permissible purpose. 
607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Credit bureaus must follow reasonable procedures to assure maximum possible accuracy. Continued reporting of false, outdated, or unverifiable data demonstrates noncompliance.

611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] Requires credit bureaus to reinvestigate disputed information within 30 days. I have submitted multiple disputes and have not received proper documentation validating these entries.

611 ( a ) ( 5 ) ( A ) Any unverifiable or inaccurate information must be promptly deleted or corrected.

623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ] Furnishers may not report information they knowor have reasonable cause to believeis inaccurate.

623 ( b ) Furnishers must conduct a reasonable investigation once notified of a dispute. The repeated verified as accurate responses without documentation indicate failure to comply.

616 and 617 [ 15 U.S.C. 1681n & 1681o ] Provide for civil liability for willful or negligent noncompliance with the FCRA.

Despite prior CFPB involvement, the credit bureaus and furnishers have failed to correct or remove these errors. The continued reporting of false information and unauthorized inquiries demonstrates a pattern of negligence and disregard for consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXXI XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$920.00} XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX Balance {$690.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA, XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXXI XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$920.00} XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX Balance {$690.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA, XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX

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 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: WI

Complaint narrative:
I am writing to formally express my serious concerns regarding Zelles mishandling of consumer disputes and lack of accountability, particularly in light of the recent CFPB lawsuit exposing systemic issues within the platform. Despite repeatedly using Zelle and promptly reporting multiple discrepancies, both my financial institution and Zelle failed to conduct a proper investigation into my claims. I was repeatedly told that recovering lost funds was impossible and that tracking the transactions was not feasible, an unacceptable response given the severity of the issue. The CFPBs findings confirm what many consumers have experienced firsthand : Zelle has neglected its duty to protect users, enabling repeat offenders to exploit the system and leaving countless consumers vulnerable to fraud and loss.

Company response to consumer: Closed with explanation