vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Complaint Summary CFPB A debt collector named XXXX XXXX XXXX and XXXX XXXX XXXX XXXX unlawfully withdrew funds from my Chase Bank account for a debt that was never mine and was closed in XXXX. This withdrawal occurred without my authorization or a valid judgment.

Chase Bank failed to notify or protect me from this unauthorized transaction, allowing the collector to access and hold my funds.

I believe this violates the Fair Debt Collection Practices Act ( FDCPA ) and the Electronic Fund Transfer Act ( EFTA ). The collector engaged in unauthorized and deceptive activity, while Chase neglected its duty to safeguard my account.

I request the CFPB to : Investigate both the debt collector and Chase Bank for illegal withdrawal and failure to protect consumer funds ; Require refund and restitution for the unauthorized debit ; and Ensure the collector ceases all contact and that Chase strengthens its fraud prevention protocols.

Attached : proof of the withdrawal, bank correspondence, and confirmation the debt was closed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: SC

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
Chase sapphire supposedly provides XXXX services as a perk for being a preferred member DoorDash charges for items never recieved also sapphire pays there monthly service fee and XXXX dollars credit Door dash also does not provide the XXXX dollar credit either There are no representatives for XXXX in the XXXX they are in the XXXX. I have tried to get my monies back from XXXX XXXX  for items I never recieved with no success I have also never been provided with XXXX dollar monthly credit either Chase does not help with there own services they promote to prompt XXXX to obtain a preferred card The whole thing is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I previously disputed the reporting of two charged-off accounts ( XXXX XXXX XXXX XXXX  and XXXX XXXX successor ) with all three credit bureaus. My original disputes were mailed via Certified Mail on XX/XX/year>, and delivered on XX/XX/year> ( Experian and TransUnion ) and XX/XX/year> ( Equifax ). I have attached tracking confirmation and copies of the original dispute letters as proof. 

Experian responded on XX/XX/year>, stating that both accounts were verified and updated. However, the accounts continue to report material inconsistencies across all three bureaus, including conflicting charge-off dates, different dates of first delinquency, mismatched payment history grids, and inconsistent remarks/account status designations. These are not formatting variations they are factual data conflicts.

Under FCRA 607 ( b ) ( maximum possible accuracy ) and 611 ( a ) ( reasonable reinvestigation ), if the furnisher or CRA can not verify all data elements with consistent accuracy, the accounts must be deleted, not simply left as-is.

Because the bureaus failed to correct the known inaccuracies and failed to conduct a reasonable reinvestigation, I am requesting that these accounts be deleted in full across Experian, TransUnion, and Equifax, as permitted under FCRA 611 ( a ) ( 5 ) ( A ). 

I filed a CFPB complaint on XX/XX/year> in relation to this matter and this is now an escalation due to continued inaccurate and conflicting reporting. 

I am not requesting a reinvestigation. I am requesting deletion under FCRA because the information continues to be unverifiable and inconsistent across bureaus, which constitutes failure to maintain maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: MD

Complaint narrative:
I previously disputed the reporting of two charged-off accounts ( XXXX XXXX XXXX XXXX  and XXXX XXXX successor ) with all three credit bureaus. My original disputes were mailed via Certified Mail on XX/XX/year>, and delivered on XX/XX/year> ( Experian and TransUnion ) and XX/XX/year> ( Equifax ). I have attached tracking confirmation and copies of the original dispute letters as proof. 

Experian responded on XX/XX/year>, stating that both accounts were verified and updated. However, the accounts continue to report material inconsistencies across all three bureaus, including conflicting charge-off dates, different dates of first delinquency, mismatched payment history grids, and inconsistent remarks/account status designations. These are not formatting variations they are factual data conflicts.

Under FCRA 607 ( b ) ( maximum possible accuracy ) and 611 ( a ) ( reasonable reinvestigation ), if the furnisher or CRA can not verify all data elements with consistent accuracy, the accounts must be deleted, not simply left as-is.

Because the bureaus failed to correct the known inaccuracies and failed to conduct a reasonable reinvestigation, I am requesting that these accounts be deleted in full across Experian, TransUnion, and Equifax, as permitted under FCRA 611 ( a ) ( 5 ) ( A ). 

I filed a CFPB complaint on XX/XX/year> in relation to this matter and this is now an escalation due to continued inaccurate and conflicting reporting. 

I am not requesting a reinvestigation. I am requesting deletion under FCRA because the information continues to be unverifiable and inconsistent across bureaus, which constitutes failure to maintain maximum possible 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 non-monetary relief
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE BUREAUS PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX Inquired XXXX XXXX XXXX, 2024 PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : 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 non-monetary relief
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
I am submitting this dispute as a consumer seeking to rectify inaccuracies on my credit report. I respectfully request that the following accounts be reviewed and corrected in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. Below are the details for each bureau : Charged Off Accounts : XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$5200.00} XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$1000.00} XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$390.00} XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$750.00} XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$500.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2025-11-06 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: OH

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct 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
Consumer complaint received 2025-11-06 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:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to XXXX U.S.C. XXXX. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report ( Police Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX  - XXXX, XXXX - XXXX, XXXX CARD - XXXX, TXXXX - XXXX, XXXX - XXXX, XXXX XXXX  - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX In accordance with XXXX U.S.C. XXXX, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of XXXX year, with the option to extend if needed. During this period, no information related to this account may be reported. 

I have made multiple attempts to contact TRANSUNION to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal andfinancialharm.

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 2025-11-06 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX5 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-11-06 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: IL

Complaint narrative:
This is not my account, and it appears on my report due to an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: PA

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-11-06 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: PA

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Between XXXX XXXX XXXX multiple unauthorized debit transactions were processed on my Chase Business Checking account totaling over {$2100.00} under the names XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and related aliases. These merchants are impersonating a legitimate art studio, which publicly states on its website that scammers have been using their name for gambling and unauthorized charges. 

I reported these charges to Chase on XX/XX/year>. Chase opened claims # XXXX and # XXXX. Despite providing documentation showing that these were fraudulent merchants and not legitimate purchases, Chase closed the main claim, stating that because the payments were made via XXXX XXXX tokenization and the account was business-related, they could not investigate the fraud or apply Regulation E protections. 

I provided screenshots from XXXX showing that the transactions were not made through the App Store and evidence from the legitimate XXXX XXXX website confirming the impersonation. Chases Fraud Reassertions department acknowledged that I made multiple attempts to reopen the case but declined to reinvestigate. The bank also failed to provide any documentation used in making its determination, despite multiple written and verbal requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
Dear National Recovery Agency : XXXX XXXX : This account was already paid off, why are you still reporting, see attachment for proof. I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm XXXX unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation