vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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Please investigate the following account ( s ), as the information listed is inaccurate, unverifiable, outdated, or incomplete. I request that these items be permanently deleted from my credit file if they can not be verified or corrected 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 2025-11-21 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: OH

Complaint narrative:
I am submitting this complaint because I am a documented victim of identity theft, and the credit bureau has failed to fulfill its legal obligation to investigate and remove fraudulent information from my credit file.

Over 55 days ago, I submitted a formal dispute regarding multiple accounts that do not belong to me. Along with that dispute, I included my FTC Identity Theft Report, supporting documentation, and a written statement confirming I was a victim of identity theft. Despite providing all required information, I have not received any response, investigation results, or debt validation for these fraudulent accounts.

Under the Fair Credit Reporting Act ( FCRA ), an investigation and response must be completed within 30 days. The bureaus failure to respond within the required timeframe is a direct violation of Section 611 ( a ). Because they did not investigate or validate the debts, these items must be removed immediately.

I am requesting that the CFPB intervene to ensure the prompt deletion of all inaccurate and fraudulent accounts, inquiries, and related information that are not mine and were added as a result of identity theft. Their continued reporting is causing significant harm to my creditworthiness and financial stability.

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 2025-11-21 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: GA

Complaint narrative:
I did not open this account please remove immediately This hard inquiry is not mine please remove this hard inquiry from my profile immediately this is fraud 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 2025-11-21 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:
Good day, I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
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 Under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
Good day, I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
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 Under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

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 2025-11-21 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: SC

Complaint narrative:
I have no association with this account, and its being reported incorrectly.

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 2025-11-21 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: SC

Complaint narrative:
I have no association with this account, and its being reported incorrectly.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase Bank Communication Log Initial Issue A charge for {$280.00} was disputed, but Chase reversed the wrong transaction for {$280.00} instead. This error triggered an ongoing issue between Chase and the merchant, leaving the correct refund unresolved. 


XXXX XXXX XXXX XXXX XXXX Representative : XXXX XXXX # : XXXX Informed that a temporary credit for the full amount would be issued once the charge posted. 



XXXX XXXX XXXX XXXX XXXX  Representative : XXXX XXXX # : XXXX Confirmed the wrong charge for {$280.00} was reimbursed ( XXXX  ) instead of {$280.00}. 

Stated a temporary reimbursement would be issued within 2 hours or up to 2 business days.

Said the incorrect refund would be withdrawn within 6 calendar days. 

Supervisor : XXXX Reported that letters would be available within 24 hours. 




XXXX XXXX XXXX XXXX XXXX Representative : XXXX Stated the merchant had already been paid. 

Advised it would take up to XXXX business days. 

Since action occurred on XXXX, expected completion was XX/XX/XXXX. 



-- - XX/XX/XXXX XXXX XXXX Representative : XXXX Provided XXXX for return of funds : XXXX. 



-- - XX/XX/XXXX XXXXXXXX XXXX Representative : XXXX Reported the return was completed on XX/XX/XXXX. 

Confirmed XX/XX/XXXX was the XXXX business day. 

Stated merchant should see the funds. 

You informed Chase that the merchant did not see the funds.

You advised that you would call back on XX/XX/XXXX to request a refund so you could repurchase the item due to conflicting information from Chase and the merchant. 



XXXX XXXX XXXX XXXX XXXX  RepresentativXXXX XXXX XXXX Unable to provide help. You requested a supervisor. 


Supervisor : XXXX Stated nothing could be done. 

Told you getting your money back was not an option.

When asked for management, he said he could not reach anyone.

Promised a possible callback in 12 business days.

Provided no support despite the issue originating from Chases error. 



-- - XX/XX/XXXX XXXXXXXX XXXX Representative : XXXX Claimed the merchant needed to contact their bank for an alt code. 

You confirmed the XXXX business days had passed and the merchant still had no record of returned funds. 

You requested a XXXX. 


Representative : XXXX XXXX nothing could be done since Chase shows the funds as already returned.

Stated you could not be credited again. 

When asked if that meant you would lose your money, gave a vague answer.

Directed you to contact the merchant and their bank for resolution. 



-- - XX/XX/XXXX XXXX XXXX Representative : XXXX Transferred you to a supervisor. 


Supervisor : XXXX Provided more detail but confirmed the same outcome. 

Since the merchant was paid, Chase would not issue credit.

When you asked to file a claim for not receiving the item, you were told a claim could not be opened for the same amount of {$280.00}.

Said he would document notes for a manager callback.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NE

Complaint narrative:
I am filing a complaint against Equifax for illegally reporting and verifying a XXXX XXXX bankruptcy that can not be verified by any lawful source.

I disputed this bankruptcy with both bureaus. Both responded claiming the item was verified, yet neither bureau has identified : The furnisher The verification source The method of investigation Any documentation supporting accuracy I contacted the U.S. Bankruptcy Court directly. The court provided me an official written statement confirming : 1. Bankruptcy courts do NOT report to credit bureaus.

2. Bankruptcy courts do NOT verify bankruptcies for credit bureaus.

3. PACER is NOT a furnisher and is NOT a verification source.

4. The court does not communicate, correct, update, confirm, or transmit bankruptcy information to any credit bureau or third party.

This means the bureaus are reporting a public record with no furnisher, no data source, and no legal method of verification.

Their verification is impossible.

This is a direct violation of : FCRA 1681i ( failure to conduct a reasonable reinvestigation ) FCRA 1681e ( b ) ( failure to maintain maximum possible accuracy ) FCRA 1681i ( a ) ( 5 ) ( A ) ( failure to delete unverifiable information ) A bankruptcy can only remain on a credit report if it is verified by an entity that actually furnishes data, which the court explicitly states it does not do. 

XXXX and Equifax are knowingly : Reporting an unverified and unverifiable bankruptcy Refusing to disclose their method of verification Using PACER scraping as verification, which is prohibited Violating their duty to ensure accuracy Ignoring official evidence from the U.S. Bankruptcy Court I am requesting immediate CFPB intervention.

This bankruptcy must be deleted because it can not be verified under any legal standard.

I am attaching the written confirmation from the U.S. Bankruptcy Court as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/year>, I was charged {$15000.00} by a company called XXXX XXXX XXXX ( also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The charges were {$5000.00} and {$10000.00} on the same day. These charges were made for what the company advertised as an AI License and business opportunity. They represented that their AI software was fully functional, could replace sales representatives, make outbound calls, schedule meetings, and that I could resell the license to earn back the investment. 

After paying, none of the promised services were delivered. The software did not work as advertised, the AI could not perform basic tasks, and the company failed to provide the product or results they described. I later discovered that other consumers were charged different amounts for the same program ( as low as {$16000.00} ), even though the company told me the official price was {$100000.00}. 
I contacted the company for clarification regarding the charges, the pricing discrepancies, the refund/buyback guarantee, and the status of the product. Instead of providing answers, one of the owners attempted to have me sign an NDA in exchange for waiving a supposed remaining balance. This felt coercive and deceptive. They did not provide the information or support I requested.

This company is currently the subject of an FTC complaint for similar deceptive practices. I am filing this complaint so that the CFPB and my former bank can document the fraudulent merchant activity associated with these charges and take appropriate action.

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 2025-11-21 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: FL

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: MN

Complaint narrative:
Well I haven't been able to log into my chime account since since XXXX of this year and I've been trying to update my phone number for the longest however I told them I since I didn't have the phone number no more how was I able to log into my account to update my phone number they would not allow me to log into my account or update my phone number which I opened an account without an ID so why would I need an ID now and then never was able to update my phone number someone else had just logged into my account it says new login detected and when I contacted chime they told me they wouldn't close my account because I was in a negative so when I got out of the negative and was in a positive standing balance they still wouldn't close my account now they're telling me I need identification when all in all I never had identification to open the account nor do they ask me for identification identification to change my phone number the first three times so I'm confused on how this process works now what is it that I need to do to sue these people because they are playing with my funds my time and my money this seems like no one knows the real answer is this a real bank account I've been with him since 2022 again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My mortgage was brought XX/XX/XXXX by Rushmore Servicing and despite repeated attempts I was not able to pay until XX/XX/XXXX to all of a sudden getting documentation from them that my escrow is under by {$4400.00} and my yearly insurance did not change and my XXXX taxes have went down to {$5400.00} how is my escrow off by almost {$5000.00} this not making sense and they can not seem to be able to answer the simplest of questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TN

Complaint narrative:
I am submitting this complaint due to several discrepancies identified across my credit reports from Experian, Equifax, and TransUnion, which misrepresent my personal information, account statuses, and credit activity in violation of the Fair Credit Reporting Act ( FCRA ). These errors include incorrect addresses listed on all three credit bureausExperian reports 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 ; and TransUnion reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnone of which are associated with me. Under FCRA 607 ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of information, and FCRA 605 ( a ) mandates the removal of outdated or irrelevant addresses. Additionally, a charged-off account from XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX with a balance of {$60.00}, is incorrectly listed and does not reflect my payment history. This violates FCRA 623 ( a ) ( 2 ), which requires furnishers to ensure the accuracy and completeness of the information they report. I request that this account be removed from my report, and XXXX inquiry on XX/XX/year>, which does not belong to me, should be investigated and removed in accordance with FCRA 604 ( a ) ( XXXX ), as it does not meet permissible purpose criteria. On my Equifax report, XXXX XXXX XXXX is listed with the same incorrect balance of {$60.00}, and I request an immediate correction as per FCRA 623 ( a ) ( 5 ), which obligates furnishers to update account information. Furthermore, a collection account from XXXX with the number XXXX XXXX and a balance of {$240.00} has been reported, but this account does not belong to me, and I request it be removed after investigation. On my TransUnion credit report, XXXX is reported with a balance of {$900.00}, which I do not owe, violating FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ), which require accurate reporting and maintenance of reasonable procedures to ensure data 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 2025-11-21 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: FL

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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