vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Without my approval, Chase Bank approved an ACH transaction even though the name did not match mine. This is fraudulent activity, and it shows that Chase Bank 's security is not working as claimed. I am now concerned about the safety of online banking systems

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: MARINER FINANCE, LLC
State: MS

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

MARINR FINC, 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have no knowledge of the alleged debt and never entered into an agreement with this company, they have not responded to emails requesting the below info and have not provided me with a contract that I entered with this company. Furthermore they have put this debt on my credit report which has caused sever damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-09-13 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:
Improper Verification of Disputed Information Under FCRA 15 U.S.C. 1681i I am filing this complaint because experian failed to properly verify information on my credit report. I previously disputed the following account.

The Bureaus Inc 417248XXX The bureau returned the items as verified, but no actual proof of verification was provided. UnderFCRA 15 U.S.C. 1681i, credit bureaus are required to conduct areasonable investigationand either verify the accuracy of the information or delete it.

I am requesting that the CFPB : 1. Require the credit bureau to provide full documentation of how these items were verified.

2. Delete the items if verification can not be properly demonstrated.

This issue has negatively impacted my credit score and financial opportunities, and I need this resolved as soon as possible. Thank you.

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 2025-09-13 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: NY

Complaint narrative:
It was brought to my attention that my information was leaked in several data breaches. This led to many accounts being opened fraudulently. The data leaks were from Equifax, XXXX and a XXXX breach. XXXX reported XXXX Transunion opened XX/XX/XXXX. Balance : {$2300.00} Last payment date : XXXX XXXX, i never paid anything revolving this account. At that time i didn't know about the existence of this account. XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX  ) opened XX/XX/XXXX. Balance : {$1400.00}. Stemmed from a fraudulent XXXX XXXX XXXX account that was determined fraudulent but is still reported on my Experian. Neither of the companys included proper contact information to dispute these incorrect accounts which is against the FAIR CREDIT REPORTING ACT.

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 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I paid {$3000.00} via XXXX on XX/XX/year> to an attorney, XXXX XXXX as a retainer for legal services. This was a business transaction for services, not a personal transfer. The attorney failed to provide services in proportion to the funds received ( only XXXX court appearance with minimal communication ) and has refused to provide any accounting of how my funds were used. 

I disputed this with my bank, but they denied my claim twice, stating that I authorized the transaction. While I did initiate the transfer, I did not authorize the misuse or misappropriation of funds. This is a case of fraud/misrepresentation of services, not an ordinary authorized transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland Credit Management , Inc. ( Encore Capital Group Collecting/furnishing without original documents ; misleading credit reporting ; failure to reasonably investigate after CRA notice Prior XXXX Enforcement XXXX XXXX XXXX XXXX. Midland was sued in XXXX  and agreed with the AG not to collect or sue unless it first acquires and reviews all original documents, and to comply with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX My case ( current ). Midland is collecting and maintaining negative credit reporting while providing only generic statementsno originals ( no agreement ; no authenticated chain of title/bill of sale ; no itemized balance ). CRA entries show date inconsistencies and misclassification ( e.g., XXXX  Open/Factoring for a collection ). After my disputes, Midland failed to reasonably investigate/correct across CRAs, implicating : FCRA 1681s-2 ( b ) ( duties upon CRA notice ), FDCPA 1692e ( 8 ) ( failure to communicate dispute/misleading credit info ), XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), Requested CFPB action.

( a ) Require Midland to produce original documents or cease collection and request deletion of unverifiable tradelines.

( b ) Require universal correction of Metro-2 fields ( account type/loan type/status dates/DOFD ). 
( c ) Treat this as repeat-offender risk given the prior XXXX XXXX and supervise accordingly. 

Exhibits available. XXXX demand + proof ; XXXX mailing ( statements only ) ; CRA snapshots ; dispute confirmations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: FL

Complaint narrative:
XXXX XXXX  XXXX is robbing me a mortgage that I paid off for 30years ago and they lying that they gave me {$90000.00} and {$60000.00} that I never received

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-09-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
At XXXX, I received a notification from XXXX  of a hard inquiry. Shortly after I was emailed approval from Synchrony of a new approved XXXX XXXX card. I never did anything off the sort and don't work with the bank. I have tried to contact this bank and they don't provide a portal to talk with them. That I must have access to the account created to talk to them online. The idiots. So I've reported to XXXX a credit alert and froze my credit through them. XXXX  won't allow me an account at this time and on a long wait time.

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 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
In XXXX of XXXX  I received back pay from unemployment and was receiving unemployment benefits and since I received a large amount, my chime account was closed in XXXX and I had {$2500.00} in my account at the time and did not receive my funds. Ive been trying to retrieve my funds and reopen a chime account but, their not allowing me and will not give me an explanation on why I cant open an account or why I cant receive my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am disputing multiple charges to my credit card account from XXXX for items that were returned but not fully refunded. Despite following XXXX return process and receiving confirmation of returns, my account has not been credited for the full amounts owed. 

Below is a summary of the charges and partial refunds issued : Order # XXXX {$250.00} ( XXXX ) Refunds : {$35.00} ( XXXX ), {$42.00} Balance not refunded : {$170.00} Order # XXXX {$90.00} ( XX/XX/year> ) Refund : {$41.00} ( XX/XX/year> ) Balance not refunded : {$48.00} Order # XXXX {$140.00} ( XX/XX/year> ) Refund : {$14.00} ( XX/XX/year> ) Balance not refunded : {$120.00} Order # XXXX {$36.00} ( XX/XX/year> ) Refund : {$19.00} ( XX/XX/year> ) Balance not refunded : {$17.00} Total outstanding refunds owed : $ {$150.00}

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 monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have never applied for a credit card with this company. To date, they have failed to provide any documentation demonstrating that I submitted an application. 

This failure to provide proof constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ).

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 2025-09-14 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: LA

Complaint narrative:
Follow-Up New Evidence : On XX/XX/year>, I submitted a complete FCRA 605B identity theft block package to TransUnion. This included FTC Identity Theft Report # XXXX, my government-issued ID, proof of address, and a signed affidavit of non-ownership. The XXXX XXXXXXXX XXXX tradeline was clearly identified as fraudulent in that package. 

Under 605B, TransUnion was legally required to block this account within 4 business days ( deadline XX/XX/year> ). Instead, TransUnion merely flagged the item as identity theft but left it active on my file. This is not compliance, and TransUnion has not issued any lawful 605B ( c ) exception notice.

I also requested a Method of Verification under 611 ( a ) ( 7 ). TransUnion failed to provide the furnishers verification details, supporting documents, or MOV vendor information. Under 611 ( a ) ( 5 ) ( A ), unverifiable information must be deleted, yet the XXXX XXXXXXXX XXXX tradeline remains. 

New evidence includes two additional refusal letters I received directly from XXXX XXXX Bank ( dated [ insert todays date ] ), confirming they do not intend to comply with federal law or provide validation. These refusal letters demonstrate a clear pattern of willful noncompliance by both the furnisher and CRA. 

Each day this tradeline remains, my credit scores are artificially suppressed, causing ongoing denial of housing, higher borrowing costs, and financial harm. XXXX continued reporting of this unverifiable, time-barred, and fraudulent account is a direct violation of 605B, 611, and 607 ( b ) of the FCRA.

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 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: AZ

Complaint narrative:
I am writing to file a formal complaint against National Recovery Agency and the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX ) regarding a collection account that has been inaccurately reported on my credit file. 
On XX/XX/year>, a collections account from National Recovery Agency was added to my credit report. The details are as follows : Creditor : National Recovery Agency, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Type : Collection Account Date Opened : XX/XX/year> Balance : {$1500.00} Original Creditor : XXXXXXXX XXXX XXXX This reporting violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information in a consumer 's report. By reporting this account, potentially without proper verification of its validity and the associated payment history, the standard of maximum possible accuracy has not been met. 
Furthermore, I am disputing the validity of this debt. As per 15 U.S.C. 1681i ( a ), upon receiving a notice of dispute, a credit reporting agency must conduct a reasonable reinvestigation to determine the accuracy of the disputed information. I request that a formal investigation be initiated immediately. To date, I have not been provided with any proof or validation of this alleged debt from the original creditor or the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: TN

Complaint narrative:
Personal Statement I am a victim of Indentity theft Fraudulent account were open in my name and unauthorized inquiries occurred. These fraudulent debt ultimately contributed to a XXXX  being reported in my credit file I am disputing these items as Indentity theft and requesting deletion under the Fair Credit Reporting Act XXXXXXXX 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

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 2025-09-13 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:
Personal Statement I am a victim of Indentity theft Fraudulent account were open in my name and unauthorized inquiries occurred. These fraudulent debt ultimately contributed to a XXXX  being reported in my credit file I am disputing these items as Indentity theft and requesting deletion under the Fair Credit Reporting Act XXXXXXXX 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

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 2025-09-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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