vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am filing a complaint regarding XXXX  handling of multiple unauthorized XXXX transactions on my account. I did not authorize these transactions.

I submitted a Regulation E unauthorized EFT dispute to XXXX on XXXX, but the credit union denied my claim on the 9th business day, which violates 12 CFR 1005.11. Regulation E requires a financial institution to either ( 1 ) complete the investigation within 10 business days or ( 2 ) issue provisional credit by the 10th business day if more time is needed. XXXX did neither. 

XXXX  denial was based on the claim that a device ID matched and an IP address matched, but under Regulation E this does not prove that I authorized the transactions. Device IDs and IP addresses can be reused, compromised, or accessed without my knowledge. Regulation E requires proof of consumer authorization not assumptions based on technical logs. 

XXXX also told me that because XXXX has not responded with information, the transactions must be authorized.

This is incorrect under Regulation E : merchant non-response does not constitute proof of authorization, and the burden of proof is on the financial institution, not the consumer. 

XXXX also stated that incoming XXXX funds were not disputed, which is irrelevant under Regulation E. Each outgoing transaction must be evaluated individually, and incoming transfers do not make outgoing transfers authorized.

I have repeatedly stated that I did not authorize these XXXX transactions. XXXX has not provided evidence that I performed or benefited from the transfers. Instead, they denied the claim prematurely and without following the required Regulation E procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: AL

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ).

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XXXX XX/XX/XXXX {$140.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} These accounts appear inconsistent compared to XXXX  and XXXX. I request a reinvestigation and proof of accuracy. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Some of these inquiries are unfamiliar to me. Please verify or delete the ones that can not be validated. 

LATE PAYMENT XXXX XXXX This does not seem accurate based on my records. I request verification.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: 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 non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.

Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile.

Disputed Closed or Charged-Off Accounts : Accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Unauthorized Inquiries to Be Deleted : Inquiries : Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
Product : Credit card Company : JPMorgan Chase Bank, N.A. 
Issue : Unauthorized reversal of credit ; failure to provide required notices ; deceptive dispute handling. 

What happened : I am filing this complaint because Chase Visa improperly reversed a temporary refund of {$1300.00} USD relating to a duplicate charge for my XXXX rental accommodation in XXXX, XXXX. 

On XX/XX/year>, Chase Visa charged me XXXX ( USD XXXX ) for a rental accommodation via XXXX. 

On XX/XX/year>, Chase issued a temporary refund of {$1300.00}, but applied it to an old card number ending XXXX. 

On XX/XX/year>, a Chase representative ( XXXX ) informed me that Chase itself had reversed this refund on XX/XX/year>, allegedly because the bank needed proof from XXXX. 

XXXX also stated that Chase never sent me the request letter, and she confirmed that this was Chases fault. 

I have Airbnb payment records demonstrating two charges for the same accommodation : XXXX EUR, and XXXX GBP ( USD XXXX ). 

When I called today to follow up, a different representative contradicted XXXX, denied seeing a duplicate charge, and told me that I missed an XXXX deadline, even though I was never informed of any deadline or documentation request. Another associate ( XXXX ) insisted that Chase sent me the notice, which contradicts XXXX statement and is not true. I never received any such communication by mail, email, or in-app message. 

Why I am filing : Chase reversed a provisional credit without notifying me, and failed to request documentation in writing as required by Regulation Z. They provided conflicting information, failed to investigate properly, and unfairly denied my dispute. I believe this constitutes unfair and deceptive practices. 

I request that the CFPB require Chase to : Reopen and properly investigate my dispute, Restore the refunded amount, and Provide documentation of all communications they claim to have sent. 

I am a retired professor of Business Management and Business Law, and I take financial deadlines and documentation seriously. Had Chase informed me of any request, I would have immediately complied. Their mishandling of this case has caused significant financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I XXXX XXXX want this disputed This happen in XXXX  and suppose fall off in 7 years XXXX $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: Chime Financial Inc
State: KS

Complaint narrative:
My cards and phone was stolen over XXXX was taken from my account XX/XX/XXXX th I called to dispute chime denied sente a new card I appealed it once still denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: College Ave Student Loan Servicing, LLC
State: TX

Complaint narrative:
In XX/XX/year>, I refinanced my College Ave student loan through XXXX. During the payoff process, XXXX overpaid the loan by approximately {$1200.00}, and College Ave was responsible for refunding this amount to me.

College Ave informed me that they mailed a refund check to my old address
in mid-XXXX XXXX. I updated my address with them in the first week of XX/XX/year>, after which they confirmed that a new check was sent to my updated address in mid-XXXX. I never received that check. I followed up multiple times, and after nearly a month of continuous follow-ups, College Ave told me they issued another check on XX/XX/year>. 
I still have not received that check either. It has now been over 50 days since the XX/XX/XXXX check was issued, and College Ave has been unable to explain where the check is or provide any proof of mailing, tracking, or status. It has now been more than 5 months since the loan was refinanced, yet I still have not received my {$1200.00} refund.

I have been receiving all other mail at my current address without issue. College Ave is the only sender whose mail fails to reach me, which raises concerns about whether these checks were ever properly mailed.

Every time I contact College Ave, they simply tell me they are working on it and ask me to follow up again, without providing a concrete explanation, resolution, or timeline. I am requesting that this refund be resolved promptly through a secure and verifiable method.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX ISSUED A CREDIT CARD TO ME, PERSONALLY. I HAVE MY OWN BUSINESS AND HAVE BEEN A HUGE AND GREAT CUSTOMER ON MY BUSINESS ACCOUNT. THE XXXX XXXX CARD WAS ALWAYS PAID ON TIME, BUT I USED IT BEYOND THE CREDIT LIMIT AS PERMITTED. I DIDN'T NEED THE MONEY, AND ALWAYS PAID IT ON TIME. AS A CONSEQUENCE, MY CREDIT RATING WENT FROM GOOD TO POOR. XXXX WILL NOT FIX IT.

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 2025-11-24 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: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Village Capital & Investment LLC
State: IN

Complaint narrative:
We are trying to get a payoff so we can go with another company have requested payoff and so has our other company on the XXXX of XX/XX/year> with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: WI

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life.

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure 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 2025-11-24 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 2025-11-24 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: LA

Complaint narrative:
I am writing to formally dispute the following items on my credit report. These accounts are in dispute and need to be reviewed for accuracy and completeness. Below are the details for each bureau : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
There are numerous dates and the total owe is {$1200.00} with some change, I asked them to stop calling and send me mail through the US Postal Service or however needed and they still continue to call and Ive only ever sent one letter and I told them do not call me just send everything through the mail and I would try to get stuff handled as soon as I could, but they are literally harassing me about twice a week sometimes more sometimes five times in a day. Midland credit management is the name of the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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:
I am submitting this complaint regarding Experian and their ongoing failure to correct critical personal identifying information in my consumer credit files, despite nearly nine months of repeated disputes, phone calls, and documented proof of identity.

This issue involves identity inaccuracies, including my name, address, Social Security number, and date of birth being incorrectly listed in both bureaus systems. These inaccuracies have prevented me from accessing my own credit reports, and the credit bureaus failure to correct them has caused substantial delays and harm to my ability to manage essential personal and financial affairs.

Background & Timeline of Events Experian XX/XX/year> : I initiated a dispute with Experian requesting correction of my name, address, Social Security number, and date of birth. 

XX/XX/year> : Experian updated my date of birth only. 

XX/XX/year> : I submitted another dispute requesting my name, address, and Social Security number be corrected. 
That same day, Experian updated my name and Social Security number, but not my address. 

XX/XX/year> : I filed an additional dispute requesting my address be corrected. 
Experian responded the same day stating my address was updated it was not. 

XX/XX/year> : I filed yet another dispute requesting correction of my address. 
Experian again reported that my address was updated yet the correction did not occur. 

XX/XX/year> : After still being unable to access my Experian credit file, I called to inquire. I was informed that my file showed no address at all. 
I filed another dispute that day. 

Throughout these disputes, I uploaded the following identity documents multiple times : Front and back of my drivers license Front and back of my Social Security card A copy of my current insurance binder These were submitted through Experian.com/consumer/upload. 

Despite providing all required documentation repeatedly, Experian has failed to correct my personal information and continues to block me from accessing my own current credit report. The most recent report they have is as of XX/XX/year>. 
Experian 's prolonged failure to correct my identifying information has caused : Inability to access my own credit reports for nearly nine months Interference with personal financial activities that require credit verification Delays in resolving potential fraud Significant inconvenience, stress, and loss of time Experian has repeatedly stated that corrections were made when they were not, which has prolonged the issue and left me without a usable credit profile.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: CA

Complaint narrative:
I was a victim of Identity theft on XXXX of XXXX. I had been sent to collection by XXXX for a debt that wasn't mine. XXXX closed the account but I still have been harassed by these collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation