vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is Amira Robinson and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Between XXXX and XXXX, I was the victim of identity theft that resulted in multiple fraudulent accounts, applications, inquiries, and negative records being created in my name without my authorization. This included accounts and activity involving Wells Fargo, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX. During this period, various unauthorized accounts, applications, and balances were created and reported as legitimate, which have appeared on my credit reports and financial records. 

Once I became aware of the identity theft, I filed identity theft reports, contacted the FTC, froze my credit, disputed the fraudulent entries with the credit bureaus, and notified the companies involved. I requested that the fraudulent accounts, charges, balances, and negative reporting be removed and corrected. Despite these actions, not all fraudulent records were removed, and some companies continued to report or retain inaccurate information, allowing the false records to remain on my reports. 

Because these inaccurate financial records were not corrected appropriately, I have experienced financial harm, damage to my credit, denials, and ongoing difficulty obtaining housing and services. I am requesting that Wells Fargo, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX thoroughly investigate, remove, and correct all fraudulent records created between XXXX and XXXX, and provide written confirmation once corrections are completed.

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 2025-12-28 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: NC

Complaint narrative:
Subject : Immediate Action Required - Dispute of Fraudulent Accounts I am writing to forcefully dispute the negative accounts appearing on my credit report, as these are clearly the result of identity theft. I have uncovered unauthorized transactions and accounts opened in my name without my consent. This fraudulent activity has severely damaged my credit and financial standing. 

I expect immediate action on this matter. Acknowledge receipt of this dispute without delay and provide a clear, firm timeline for resolution. You can contact me via the provided phone number or email address for any additional information, though I expect minimal delays.

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 2025-12-28 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: NC

Complaint narrative:
Subject : Immediate Action Required - Dispute of Fraudulent Accounts I am writing to forcefully dispute the negative accounts appearing on my credit report, as these are clearly the result of identity theft. I have uncovered unauthorized transactions and accounts opened in my name without my consent. This fraudulent activity has severely damaged my credit and financial standing. 

I expect immediate action on this matter. Acknowledge receipt of this dispute without delay and provide a clear, firm timeline for resolution. You can contact me via the provided phone number or email address for any additional information, though I expect minimal delays.

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 2025-12-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-28 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: PA

Complaint narrative:
I am filing this complaint regarding JPMorgan Chase Banks handling of disputed credit card transactions. 

XXXX unauthorized XXXX transactions were charged to my Chase credit card. I disputed the charges promptly. Chase denied the disputes on the basis that the IP address associated with the transactions matched my household. 

At the time of the transactions, I was out of the country, which I can document. I did not authorize these charges and did not make them. Chase relied primarily on IP address matching and did not adequately consider my documented absence from the country or conduct a reasonable investigation consistent with its obligations under the XXXX Credit Billing Act. 

The merchant involved was XXXX XXXX XXXX, but this complaint concerns Chases dispute investigation, denial, and refusal to reverse the charges, not the merchants conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX senior citizen suffering from the XX/XX/XXXXXX/XX/XXXXXXXX. I have been having trouble keeping track of all my things ... its been embarrassing to be honest. Lately things have been gotten worse however ; my car has been gotten into and id and other important cards have been taken and there are transactions that I dont remember making and accounts opened that I do not remember opening., I am demanding FCRA 605 ( b ) fto be followed and that in 4 business days all the illegitimates records on my statements shall be removed in their entirely. Thank you 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 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: NY

Complaint narrative:
I was declined several times to add money on my Cash App. And unable to use my alternatives debit card on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: WA

Complaint narrative:
Company : Chime.com ( a " neo '' bank which issues a physical debit card, but allows you to make deposits online and other related money transfer services ) My Current balance is around {$370.00} USD on my debit card.

At it's peak my account balance had ~ {$1500.00} USD in the account and I was able to make several succcessful ATM withdraws ( from different ATM/banks ). This was within the last 2-3 months.

Recently in the last 2-3 weeks, all ATM transactions have failed ( at multiple ATM/banks ). Each time after a successful login, and choosing a suitable amount ( below my balance and including the withdraw fee ) the transaction is ended, with a vague " Contact your issuing bank '' message. 

And here is where the frustration begins. Chime forces you to conduct any user complaints via their mobile app ( even logging in to their website now fails, again funneling you to the mobile app ). On the app you are put through to an AI chatbot, and then after requesting human support ( as most people do ), you are queued up, and then handed off to a " human '' support agent ( I am dubious of this ). Here you are forced to repeat your problem over and over. I have contacted them 3x now - and each time they have no history of your previous complaint, unlike most professional support systems which open a " ticket '' or such. I am quite sure this is by design. I have been told various things like my account was frozen ( we just unfroze it ) or I needed to try a different ATM, is the ammount below your balance etc. All appear to be red herrings just to get you off the chat. And the cycle repeats. They simply can not provide a sufficient explanation of why these transactions are failing and more importantly restore the account ( to allow ATM withdraws ). Again I am confident this is not by accident. 

This pattern of interminbale help support is clearly designed to wear down the user. Nothing gets done nothing gets fixed, no e-mail contact is available as well. They obviously are trying ot obfuscate any sort of trackable contact between you and their support people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: Westlake Services, LLC
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ) XXXX Is reporting against me and I have never had any type of account with this company. I have contacted them numerous times and requested proof and I am ignored. I have never had any type of account and am not sure how this ended up on my credit report. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: OH

Complaint narrative:
This is a follow up complaint that I have of a XXXXXXXX XXXX XXXX XXXXXXXX is not an account that I have ever done business with. 6. FDCPA 1692d, 1692c, 1692g : Harassment, failure to validate, illegal communication practices.

Has the account have been charged off and a 1099-C form issued or if the creditor reported these accounts as business losses for tax deduction purposes, they must be deleted under IRS regulations and FCRA due to the cancellation or non-ownership of the debt.

For any accounts currently being reported by third-party debt collectors, I demand a copy of the assignment contract or bill of sale proving lawful authority to collect and report this debt.

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 2025-12-28 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: NC

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate, incomplete, and unverifiable information being reported on my Experian credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), Experian is required to ensure maximum possible accuracy. Despite my review, the following items appear to be inaccurately reported, inconsistently reported, or lacking proper verification. I am requesting a full investigation and correction or deletion where appropriate. 

Charged-Off 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 XXXX balance {$2100.00} ) These accounts show conflicting dates, duplicate reporting, or balances that do not align with a charged-off status. Some are reporting a XXXX balance while still being marked derogatory, which is misleading and inaccurate. 

Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing all of these inquiries and request Experian to verify permissible purpose under the FCRA. 

Late Payments XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-28 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-28 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:
I am submitting this complaint regarding Chase Banks failure to properly investigate fraudulent credit card charges and its continuation of adverse account actions in violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 

Fraudulent transactions were posted to my Chase credit card account ending in XXXX after the card was lost and no longer in my possession. I did not authorize, benefit from, or participate in these transactions. Upon discovering the unauthorized activity, I promptly blocked the card and formally documented the incident. 

Because I reside outside the United States ( XXXX ), the fraud was detected after reviewing account statements. A police report was filed with the XXXX Police of XXXX to formally document the loss and fraudulent use. Chase has been provided written notice of this dispute along with supporting documentation. Additionally, a certified written dispute has been sent via XXXX Certified Mail and is currently in transit. 

I reside internationally, which makes postal correspondence difficult. I therefore request that communications regarding this matter be conducted electronically whenever possible. 

Despite receiving formal notice, Chase has failed to provide written confirmation of a completed fraud investigation and has allowed collection and adverse account actions to proceed while the dispute remains unresolved. The account was reported to collections while a fraud dispute was active. This conduct directly conflicts with the Fair Credit Billing Act, which requires a reasonable investigation and prohibits adverse action during the dispute period. 

Additionally, Chase has not provided copies of any documents, investigation findings, or evidence relied upon to support the disputed balance, despite my written request. The absence of a documented investigation raises serious concerns regarding compliance with federal consumer protection law. 

I am requesting that the CFPB require Chase Bank to : Conduct and document a full fraud investigation in compliance with federal law Immediately suspend all collection and adverse reporting activity related to this account Provide written findings and supporting documentation Correct any negative reporting associated with the disputed balance. 

I also request any additional relief the Bureau deems appropriate to fully remedy the harm caused by this matter. 

Attached evidence includes my written fraud dispute and the official police report documenting the theft and fraudulent use of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief