vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a medically vulnerable disabled consumer with XXXX XXXX XXXX and XXXX XXXX that affect judgment, emotional regulation, and decision-making during neurological episodes. Over the last several years, I have been financially exploited, coerced, and manipulated by multiple individuals through XXXX XXXX, XXXX, XXXX XXXX, XXXX, and Chase Bank. I have lost over {$60000.00}. 

The individuals involved in the exploitation include XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX. Each used emotional manipulation, suicide threats, intimidation, and pressure to force me into sending money. They also coerced me into canceling disputes, retracting fraud reports, and telling the companies everything was fine when I was under duress and not in a medically stable condition. 

I repeatedly reported the exploitation to XXXX XXXX, XXXX, XXXX XXXX, and Chase Bank. None of these companies protected me, investigated properly, or offered accommodations. Instead, they closed disputes prematurely, ignored evidence, or relied on automated systems instead of human review. This violates their obligations under Regulation E ( Electronic Funds Transfer Act ) and ADA Title III.

Chase Banks handling of the BearRUs fraud case is an example of negligence : I purchased a XXXX figure from XXXX that turned out to be counterfeit. Chase accidentally canceled my dispute internally, then falsely told me I canceled it. I was medically unstable and under coercion at the time, and Chase refused to reopen the case or accept responsibility for their error. The seller openly admitted the product was not authentic. Despite clear fraud, Chase refused a refund and denied ADA accommodations. 

XXXX XXXX exploited me extensively : I paid her over {$4600.00} for artwork she never completed. When served with legal papers, she threatened to kill me and used emotional blackmail. These threats forced me into canceling disputes. This is documented in my small-claims filings and my communication with the court. 

All of this has caused severe emotional distress, XXXX  visits, declines in my XXXX condition, and long-term financial harm. My XXXX made me a target, and all companies involved failed to provide the protections required by federal law.

I have supporting documentation including my FBI IC3 report, emails, small-claims court documents, and messages showing coercion, threats, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: WI

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-15 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: MN

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-15 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: NY

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-11-15 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 recently pulled my credit report and noticed a negative account that are reporting inaccurately and without my knowledge. Please help me get this removed immediately. Equifax/experian is the only one reporting this XXXX XXXX XXXX  . Acct number ending XXXX. I have ask equifax/experiaXXXX to remove this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: GA

Complaint narrative:
I am filing this complaint about inaccurate and harmful credit reporting related to a XXXX XXXX XXXX XXXX loan on my Experian credit report. This involves my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

I only had XXXX auto loan with XXXX XXXX XXXX. However, Experian is reporting XXXX separate XXXX XXXX XXXX tradelines that clearly refer to the same underlying account. The XXXX tradelines show the same type of auto loan, similar opening dates, similar original loan amounts, and the same delinquency and charge off pattern. I never had XXXX separate loans. There was only XXXX. 

Because of this duplicate reporting, the negative history from a single account is being reported twice. This is not consistent with the FCRA requirement that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy, 15 U.S.C. 1681e ( b ), or with my right to have inaccurate or unverifiable information corrected or deleted after a dispute, 15 U.S.C. 1681i ( a ). The duplicate tradeline has significantly lowered my credit scores and has affected my ability to secure stable housing and access fair credit, even though I am actively working to rebuild my credit and prepare for homeownership. 

On Friday XX/XX/year> I filed an online dispute with Experian and identified this as a duplicate XXXX XXXX XXXX XXXX. I also understand that XXXX XXXX XXXX, as a furnisher of information, has duties under 15 U.S.C. 1681s 2 ( b ) to reasonably investigate once they receive notice of my dispute from Experian and to modify, delete, or block any information that is inaccurate or can not be verified. XXXX XXXX XXXX should not allow the same loan to appear as XXXX separate derogatory tradelines. 

I am a Georgia consumer and also rely on protections under Georgia consumer protection and credit reporting laws that incorporate and enforce FCRA standards for accuracy and fair reporting. 

I am not disputing that the original XXXX XXXX XXXX XXXX existed. I am disputing the duplicate reporting of that single loan as XXXX separate tradelines and the amplified damage that duplication has caused.

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 2025-11-15 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: U.S. BANCORP
State: FL

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and several fraudulent items were added to my credit reports without my knowledge or authorization. My personal information was compromised during the Equifax data breach, making me vulnerable to unknown individuals using my identity to open accounts and apply for credit in my name. 

The following fraudulent items were added to my credit reports : Fraudulent Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Card Account This account was not opened by me, and I never authorized or applied for this credit. It was opened using my stolen personal information. 

Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were also made without my permission, and I did not apply for credit with any of these companies. 

I filed an FTC Identity Theft Report ( # XXXX ) documenting the identity theft. I also contacted all three major credit bureaus and requested they block and remove the fraudulent account and inquiries in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ).

Under FCRA 605B, the credit bureaus are required to : Block identity-theft-related information within 4 business days Stop reporting fraudulent accounts and inquiries Notify furnishers connected to the fraudulent items Prevent reinsertions unless strict legal requirements are met I have provided all required documentation, including my identity theft affidavit, proof of identity, and identification of the fraudulent information. Despite this, the bureaus and furnishers have not adequately resolved the issue or removed the fraudulent items in a timely manner.

These fraudulent accounts and inquiries have negatively affected my credit, caused financial harm, and created significant stress. I am requesting the CFPBs assistance to ensure that : All fraudulent items are permanently removed from my credit files.

The involved furnishers comply with FCRA 605B.

The credit bureaus follow federal law and properly process my identity theft block requests.

I am asking for the CFPBs support in resolving this issue and ensuring my rights under federal law are upheld.

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 2025-11-15 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-15 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: GA

Complaint narrative:
ccording to 15 U.S.C. 1681B a credit inquiry may only be made under certain circumstances and for permissible purpose. Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report. The following inquiries were not authorized by me, and I request that they be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Some XXXX applied a credit card from CHIME-STRIDE bank on XX/XX/year>, and I was notified by XXXX Identity protection. I was not aware of this card. This account and corresponding inquiry were displayed on three credit reports. 
I called XXXX bank with XXXX agent from XXXX XXXX XXXX, and they refused to close this account without an FTC report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2025 I tried to setup on account with BMO for the direct deposit bonus. I clicked on " XXXX in minutes '' portion on their website. I was given a reference code. 

XX/XX/2025 I called BMO and an individual helped me setup the account online using the reference code I gave them. They told me I had the direct deposit promotion applied to my account. 

I called them a few weeks later and asked to verify that the promotion was on my account. The individual that I called told me that it was on my account. 

After 90 days and completeing the required deposits I called and they told me I did not have the promotion code applied to my account and they would escalate the matter. This happened multiple times.

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 2025-11-15 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: GA

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 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 2025-11-15 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: Lendmark Financial Services
State: TX

Complaint narrative:
I am submitting a complaint regarding the following charge-off account that is appearing on my credit report XXXX XXXX Account # XXXX * * * High Balance : {$18000.00} Date Opened : XX/XX/2021 Status : Charge Off * * I have no knowledge of this account, and the information being reported is inaccurate and unverifiable. This negative charge-off is harming my credit profile without any valid basis. I am requesting a full investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
wrong information on my credit report. someone else information. not mine

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 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
I Was noticing on my credit report that its a fraudulent accounts and i was a victim of XXXX  data breaches i never received any notifications about any of these accounts i need them immediately removed as this is illegal to report fraudulent information on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: TX

Complaint narrative:
Please take this off my report and forward written documentation verifying the removal.

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