vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: OH

Complaint narrative:
I am filing this complaint against Experian for failure to correct and remove multiple inaccurate, outdated, and unverifiable derogatory items from my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x.

1. XXXX XXXX XXXX  Late Payment Inaccuracies Experian continues to report 120-day, 90-day, and 60-day late payments for my account with XXXX XXXX XXXX, despite the fact that : These delinquencies have been fully removed and updated to Pays as Agreed by both XXXX  and XXXX. 

I have submitted multiple disputes to Experian with this documentation and evidence.

Experian has failed to conduct a reasonable reinvestigation and is willfully disregarding corrected data provided by the other two bureaus.

This inaccurate derogatory reporting is materially and legally false, negatively impacting my credit standing, and constitutes willful noncompliance under FCRA 1681i ( a ).

2. XXXX XXXX XXXX XXXX Inaccurate and Unverifiable Collection Account Experian is also continuing to report an alleged charge-off/collection account from XXXX XXXX XXXX XXXX , which : Is not reported by XXXX  or XXXX, Has not been verified with proper documentation, Has not issued a 1099-C or any tax reporting to validate a legitimate charge-off as income, Is therefore unverifiable, incomplete, and must be permanently deleted.

This reporting violates my rights under : FCRA 1681i ( a ) ( 1 ) ( A ) failure to delete or correct inaccurate or unverifiable information ; FCRA 1681e ( b ) failure to maintain maximum possible accuracy ; FTC guidance, which makes clear that unverifiable collections without proper documentation or IRS filings can not be lawfully reported. 

3. Experian Has Failed to Comply with Federal Timelines Under FCRA 1681i ( a ) ( 5 ) ( A ), a consumer reporting agency must complete reinvestigation within 4 days and remove XXXX XXXX XXXX item as fraudulent and inaccurately reported since I never received issued a 1099-C or any tax reporting to validate a legitimate charge-off as income. This is a fraudulent account to be removed within 4 days regardless of any signed contracts that are also fraudulent and not verifiable. Experian has ignored repeated disputes and failed to take appropriate corrective action, while the other two major bureaus have fully updated and removed the same accounts based on identical documentation.

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 2025-09-15 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: NY

Complaint narrative:
On approximately XX/XX/year>, I was going through my JP Morgan Chase checking account to make sure my transactions were all legitimate. I noticed a transfer of {$1500.00} from my checking account to an outside account at an entity called XXXXXXXX XXXX  on XX/XX/year>, which I did not recognize. I noticed another transfer on XX/XX/year> to XXXX XXXX for {$3000.00}. At that point I called Chase and spoke to someone on their fraud team. As we went through my checking account together, we saw another transfer to XXXX Bank on XX/XX/year> for {$3000.00}, XXXX on XX/XX/year> for {$5000.00} and XXXX on XX/XX/year> for {$5000.00}, for a total of {$17000.00}. I vehemently told the Chase employee that I had definitely not authorized these transfers, and she told me she would try to reverse them. A little while later, she called me back and told me she'd successfully reversed them and that I should expect my {$17000.00} to be returned to my checking account in XXXX business days. The time came and went and nothing happened. I then received a letter from Chase ( attached ), telling me that they believed I had authorized the transfers and that they would not be returning my money. I again called Chase and spoke to a different person, who told me the case had been reopened, but that the reason the claim had been denied originally was because the bank could not detect any new device having been added to my account, and so assumed the transfers had to have been done on the laptop I use for banking, which is untrue. On the days of the transfers, I was at home. Anyway, a few more days went by and nothing happened, no money was returned. I then spoke to someone named ( I believe ) XXXX XXXX, who patched in another Chase employee who said that they would reexamine how the decision had been made to deny my claim. I am expecting to hear back from them today or tomorrow, but seeing as they've lied to me and have been, in my view, dragging their feet, I don't have high expectations. I have been a Chase customer for 45 years and have done a lot of business with them - a mortgage, a refinancing, day-to-day banking, etc. I would have expected a more strenuous effort on their part to restore my stolen funds. Additionally, I would like to highlight the fact that for NONE of these transfers did I receive any sort of notice or alert from the bank. And yet, when I bought a computer recently for {$860.00}, the charge was denied and I had to respond to a text from Chase, confirming that I had made the expenditure. But for these large dollar amounts, not a peep. My husband and I are not wealthy people, and the loss of {$17000.00} is catastrophic. We recently moved and badly need all the money we have to get settled in our new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On Thursday XXXX XXXX took it upon herself to close my checking account out without giving me the option to take care of it or fix the problem. I did not receive an email from them until Friday at XXXX PM after the fact of what they did Then the money that got deposited in my account theyre telling me I have to wait to receive my money and thats not OK. I wouldnt be going through this if they wouldnt have did what they did and sent an email prior to them closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-09-15 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: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter 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 2025-09-15 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter 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 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
egarding the alleged debt referenced above. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following validation : The amount of the alleged debt, including a full itemization of principal, interest, fees, and other charges. 

The name and address of the original creditor. 

A copy of the original signed agreement or contract that verifies my obligation. 

Documentation that you are authorized and licensed to collect debts in my state. 

The full chain of title/assignment showing your legal right to collect this debt. 

Until you provide the requested documentation, you must cease all collection activities, including reporting to credit bureaus. Reporting unverifiable information may constitute a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Be advised that I am keeping detailed records of all correspondence regarding this matter. If you fail to comply, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and other appropriate regulatory authorities. 

This letter is not an acknowledgment that I owe this debt, nor is it a refusal to pay. It is a request for proper validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: OH

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-15 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: OH

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please delete these incorrect accounts within 15 days in accordance with USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am challenging fraudulent accounts that have been added to my credit report without authorization or legitimacy. These accounts are not mine, and their reporting is factually incorrect, harmful, and in violation of my right to accurate reporting. The inclusion of these false accounts is damaging to the integrity of my file and unfairly affecting my financial reputation.

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 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Sirs in Charge at Bank of America, I have repeatedly requested all account statements ending with XXXX and XXXX because I have never opened or used these accounts and I also do not close these accounts. I saw these accounts listed in my XXXX XXXX statement for XX/XX/XXXX. XXXX of them was opened in XX/XX/XXXX and closed in XX/XX/XXXX and the other was opened in XX/XX/XXXX and closed in XX/XX/XXXX without me knowing anything about it and all the information was paid from my check. I am notifying you for the XXXX time that I want these account statements and I want to prove my right not to open these accounts nor use them nor close them. The one who opened these accounts is the same person who opened the XXXX XXXX which you ruled I am not responsible for and XXXX which you rejected my request and the XXXX XXXX by phone and two by stealing my ID and taking it to the bank that did not know what the difference is between the photo of my ID and the fake person standing in front of him who opens accounts in my name from He bears responsibility for all these serious mistakes against me. A phone number opens accounts for me and you do not verify the person or open accounts for someone who went to the bank with my identity card. This is where the mistake is made. Who is refusing to give me my rights? I also asked about my first account because there is fraud and deception in it. You did not give me any account for it and you say there is no account with this number, which is XXXX. I want account statements for XXXX accounts, XXXX of which I did not open.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: CT

Complaint narrative:
Gemini hasnt paid me for 3 of my referrals despite the 30 day period being gone and app saying referrals completed. All my referred traded legit with their funds and did qualifying trades ( not stablecoins ) and were all revenue generating. Support is absolutely useless. Please help me Their names- XXXX XXXX XXXX XXXX XXXX XXXX link- Don't miss out on {$75.00} in free crypto. Sign up for Gemini and trade at least {$100.00} to earn {$75.00} in the crypto of your choice for a limited time. 
https : //exchange.gemini.com/register? XXXX & type=referral Email- XXXX Other proofs attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: MA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my 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 2025-09-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
b'I have been asking Bank of America multiple times for the signature card on a checking account opened without my knowledge or consent. \nBank of America checking Account # XXXX XXXX XXXX  was opened in XXXX XXXX  on \nXXXX 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 2025-09-15 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: TX

Complaint narrative:
This letter is to follow up my formal second request for reinvestigation of inaccurate and unverifiable information on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ).

Despite my previous dispute, the following items remain on my report without sufficient verification or correction. I request that you either provide proper verification from the data furnishers or delete the information from my file immediately. 
Items in Question : XXXX XXXX  XXXX XXXX {$3500.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX  & XXXX  ( Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX  XX/XX/year>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