vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am disputing the late payment reported on my account. This record is inaccurate, as I have consistently met all payment obligations on time. Reporting such false information creates unnecessary harm and misrepresentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint concerns the inaccurate reporting of a fraudulent account under my name. I did not open or authorize this account and deny any responsibility for it. The false reporting has damaged my credit and created unnecessary stress, despite my consistent efforts to maintain my financial credibility.

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 2025-09-03 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:
In line with USC 1681g, these inaccurate accounts, which I do not own, must be eliminated in 15 days.

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 2025-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I formally request the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the supporting documents to substantiate my claim.

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 2025-09-03 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: OH

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Company : Chase Bank I previously disputed a XXXX XXXX {$3900.00} on XX/XX/year>. On XX/XX/year> the company acknowledged my dispute and removed the charge. On XX/XX/year> the same XXXX XXXX {$3900.00} reappeared on my account without explanation. I have attached : the original dispute confirmation, account statements showing the item before and after, and all correspondence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing this complaint against American Express regarding their handling of a merchant dispute with XXXX XXXX Florida. 

On XXXX XXXX XXXX, I was billed {$2200.00} for boat repair services that consisted of a simple fuel line replacement. The actual work took no more than 3040 minutes, yet the merchant charged 3.77 hours of labor and 3 hours of barge service even though the barge was never used. This was a clear case of inflated and misrepresented billing. 

I disputed the charge with AMEX and explained that I was willing to pay {$290.00} as the fair amount. Despite the evidence I provided ( timeline, photos, and messages ), AMEX denied my dispute and sided with the merchant solely based on the paperwork they submitted. This left me responsible for an inflated bill that does not reflect the actual service. 

Afterward, the merchant re-billed my card without consent for {$2000.00} ( the disputed portion plus a {$15.00} dispute fee ). When that was challenged, they attempted to add another {$15.00} dispute fee and falsely claimed I had only paid {$260.00}. AMEX ultimately reversed these subsequent charges, which confirms that the re-billings were improper. 

My concern is that AMEX failed to protect me in the original dispute. By relying only on the merchants documents and disregarding my evidence, AMEX allowed an abusive merchant to retain payment for inflated and deceptive charges. 

I am seeking a refund of {$2000.00}, which represents the inflated and unauthorized portion of the {$2200.00} charge. I request that the CFPB review AMEXs handling of this case and ensure that consumers are not left unprotected when merchants inflate costs, fabricate services, or re-bill after disputes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-03 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing a hard inquiry that appears on my credit file without my authorization. I did not apply for credit or give consent for this action, making the entry inaccurate.

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 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the fraudulent account that has appeared on my credit file. I never authorized, opened, or used this account, and its reporting is entirely inaccurate. This false entry harms my credit standing and must be corrected without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I was scammed by a navy federal imposter via the phone. The imposter had a voice verification recoding to identify me and the call came up as navy federal cu number. I thought I was safe. The scammer was able to familiarize me with a name XXXX XXXX and he knew this person was from XXXX Indiana. It was so easy for me to trust this person. I did sensitive shared information with him and he robbed me for {$2000.00}. I was moving money around on different platforms thinking I was out witting the scammer and the real scammer was robbing me. NF refunded {$500.00} of the {$2000.00}. The {$500.00} was through XXXX. {$1500.00} was through cash app. NF is telling me they cant help with cash app. I told them that cash app was just a platform and that my funds came directly from my NF account and landed in a cash app account. Why am I not insured? If you dont inside transactions to these platforms why am I able to upload my NF bank card to the account? I feel like NF protects what they want. I NEVER would have thought that I would get scammed through a federal credit union. How is NF compromised? Its hard to even become a member how can someone steal your softwares and protocols? Why is it that you are aware of this and not educating your customers. NF said well its been publicized all over the news and social media. Everybody knows about it. I said everyone but me this information was not shared with me via text messages or emails. You should not depend on social media and the news to educate your customers. Ive reached out to a few consumer protection lawyers Im waiting their response. I also filed a police report NF is treating me like i am a scammer. I dont like it. If you could please help me in anyway I would greatly appreciate it. I have never been a victim of scam. My birthday is in XXXX  days and I have a huge XXXX flight and Im a mom of XXXX with XXXX kids under XXXX I had money in my account I worked too hard I cant afford a {$2000.00} financial lost. Off making a mistake but feeling secured thinking my bank would help me. But theyre not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/year> XXXX Capital One froze my account because some I know made a XXXX  payment of {$500.00} and few weeks later lied to there bank saying its fraud. Capital One could not provide me an explanation They said they would get him on phone and go from there They get him on phone and still doesn't want to talk capital one still holds my account and say we have to talk to him if he picked up and tells u he don't want to talk why continue to hold XXXX of my money for a XXXX transaction I called and called with no answers now i'm asking them to external transfer vs a check because i been waiting so long and they still can't get ahold of anyone to help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I state that the incorrect late payment remarks on my accounts are in violation of 15 USC 1666. I have always paid on time, and these reporting errors are both unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/year>, at XXXXXXXX XXXX in XXXX, PA, per USPS Tracking # XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXX - {$0.00} ( ACCOUNT # XXXX ) XXXX  - {$0.00} ( ACCOUNT # XXXX ) XXXX XXXX - {$3000.00} ( ACCOUNT # XXXX ) After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/year>, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.

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 2025-09-03 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: PA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-03 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute a hard inquiry that appears on my credit report without my authorization. I never submitted a credit application or provided consent for this action, which makes the entry inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-03 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: TX

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-09-03 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: PA

Complaint narrative:
I am writing to formally dispute the accuracy of several accounts currently reported on my TransUnion credit file. These accounts are being inaccurately reported with late payments and other errors. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only complete and verifiable information. I respectfully request an immediate investigation into the following accounts : 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 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 Open Date : XX/XX/XXXX Balance : {$1400.00} These accounts are inaccurately reflecting late payment notations and other discrepancies that do not belong to me or are being misreported. I am requesting that TransUnion verify the accuracy of these items with the original creditors. If you can not provide proper verification directly from the creditors, the law requires these entries to be removed from my credit report.

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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
We paid our XXXX energy bill on XX/XX/XXXX with our chase credit card. The bill is fine -it stays paid for months. On XX/XX/XXXX we get an alert from XXXX saying chase issues a chargeback for the XXXX. Chase submitted all our charges as fraud even though there was no fraud on the card and we told them that. They will not tell us why they did that even though we had called to confirm there was no fraud. This should all be in their system records. We call and say the charge is valid- chase says they will resend the money to XXXX they say they processed the refund to dte on XX/XX/XXXX and now dte has the money XXXX is on our statement. XXXX says they do not have the money. Chase says once they send a confirmation number we can open a dispute if XXXX says they still dont have it. XXXX says as of today ( XX/XX/XXXX ) they do not have it. They asked for a formal chargeback letter with details from chase. Chase continues to hang up on me when calling about it. They offer to stay on the call with dte then hang up. They say they have done their part and there is actually no dispute to file and nothing to do. I've been calling with both chase and dte monthly since XXXX and no resolution and chase will not give me any Information other than " did you show dte your billing statement '' which i did. {$380.00} is apparently floating around somewhere with dte according to them but they won't help me prove that to dte or give me any XXXX. XXXX has been helpful but continue to say they just dont have the money. I've requested an escalation as well from chase and they say there isn't one. They also won't let me know why they took the money back in the first place just say " what's done is done ''

Company response to consumer: Closed with explanation