vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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: AR

Complaint narrative:
This complaint serves as my formal dispute of several inaccurate, unverifiable, or outdated entries currently appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a complete investigation of the items listed below and their removal within the legally mandated 30-day timeframe. Below are the accounts I believe to contain reporting inaccuracies. I respectfully request that a full investigation be conducted to verify and remove any erroneous information. Upon reviewing my credit report, I have identified the following entries that I believe to be incorrectly reported, unverifiable, or misleading : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2200.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXXXX/XX/year>

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 2025-10-06 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: AR

Complaint narrative:
This complaint serves as my formal dispute of several inaccurate, unverifiable, or outdated entries currently appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a complete investigation of the items listed below and their removal within the legally mandated 30-day timeframe. Below are the accounts I believe to contain reporting inaccuracies. I respectfully request that a full investigation be conducted to verify and remove any erroneous information. Upon reviewing my credit report, I have identified the following entries that I believe to be incorrectly reported, unverifiable, or misleading : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2200.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a new checking account with Chase Bank in XXXXXXXX XXXX approximately XXXX weeks ago. 

On Wednesday, XX/XX/year>, I received a letter from Chase requesting my signature so they could send a document to the Social Security Administration ( SSA ) for verification. I signed and returned the letter in person on Friday, XX/XX/year>, as instructed by the branch. 

Despite my prompt action, Chase did not send the document to the SSA until nearly a week later, and only after I followed up myself. Because of Chases internal delay, my account was restricted and my paycheck deposit was held, leaving me unable to access any funds. 

We discovered the restriction on Wednesday, XX/XX/year>, and Chase informed us we would not regain access to our funds until Tuesday, XX/XX/year>. This means my family has been unable to access our own money for nearly a week. 

Chase branch managers have admitted that this delay was their fault. However, I was told I would not regain access to my account until Tuesday, XX/XX/year>, even though I complied fully and on time. 

This situation has created severe hardship for my family. We are a new family in the United States, and this Chase account is our only financial source in America. Because of Chases mistake, my wife and I along with our XXXX XXXX  children have been left without money for food, transportation, and essential bills such as utilities, internet, and phone. We are under extreme stress and risk damage to our credit due to missed payments. 



Requested Resolution : 1. Immediate release of my paycheck and removal of the account restriction.

2. Assurance that my credit will not be negatively affected and that Chase will cover or reverse any related fees or penalties.

3. Compensation for the significant financial hardship, stress, and disruption caused by Chases admitted processing delay.

4. Written confirmation from Chase explaining what went wrong and how they will prevent this from happening to others. 



Impact : Chases admitted error has left a new immigrant family in the U.S. with no access to our funds and no ability to pay for basic needs. This was not caused by any inaction or mistake on our part. It was the result of Chases failure to process required verification paperwork promptly.

Bank Name : JPMorgan Chase Bank , N.A . 
Branch Location : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Account Status : Restricted / frozen due to bank delay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: NV

Complaint narrative:
b'I kindly request the Consumer Financial Protection Bureau (CFPB) to assist me in the removal of unauthorized and fraudulent items from my credit file, which were opened without my consent. Your support in rectifying these fraudulent entries would significantly enhance the accuracy of my credit report. I appreciate your assistance and hope that, with your help, the fraudulent items will be permanently removed in the next update. Thank you for your attention to this matter.\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 2025-10-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: CT

Complaint narrative:
I am writing to formally dispute and request an investigation into several credit inquiries that appear on my credit report, which I do not recognize or recall authorizing. This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b ). 

The following inquiries are in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Factual Data Under the FCRA , credit inquiries may only be made with my explicit consent or for a legitimate and legally permissible purpose. I have not applied for credit or authorized any of the companies listed above to access my credit report.

I am therefore requesting that you investigate these inquiries and provide documentation showing that I granted permission for each one.

If such authorization can not be verified, I ask that the inquiries be immediately removed from my credit reports with XXXX XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I am writing to formally dispute and request an investigation into several credit inquiries that appear on my credit report, which I do not recognize or recall authorizing. This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b ). 

The following inquiries are in question : THD/CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual Data Under the FCRA , credit inquiries may only be made with my explicit consent or for a legitimate and legally permissible purpose. I have not applied for credit or authorized any of the companies listed above to access my credit report.

I am therefore requesting that you investigate these inquiries and provide documentation showing that I granted permission for each one.

If such authorization can not be verified, I ask that the inquiries be immediately removed from my credit reports with XXXX XXXX, and 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 2025-10-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
A collection account from a previous apartment complex was sold to a third-party debt collector. The account is now listed on my credit report as closed with a {$0.00} balance. 

Because the debt has been resolved and the balance is no longer owed, the continued reporting of this collection is inaccurate and misleading. I have verified that no balance is due, and the collection agency has confirmed the account is closed.

Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 607 ( B ), and 611, credit reporting agencies are required to report only accurate and complete information. Reporting a closed, zero-balance collection no longer reflects my current credit standing and serves no permissible purpose.

I am requesting a full investigation and the removal of this collection account from my credit report to ensure compliance with federal law and the maintenance of accurate consumer credit records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I requested that experian send me the original documents used to confirmed the collection. It has been more than 30 days and i still haven't received a response. I want this collection from XXXX XXXX XXXX deleted off my credit profile immediately!

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 2025-10-06 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: OR

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I received an alert on my credit report on XX/XX/year> saying that I have a collection for {$77.00} from this company. I have never did business with this company nor do I have a debt for this amount for them or whoever they claim to be representing which they didnt even mention the companies name other than themselve. I am well aware of my rights according to the FDCPA this company did not send written communication which is a Dunning letter to notify me of this debt and it is illegal to put a debt on a consumers credit report without first sending them a Dunning letter giving them the opportunity to dispute the debt Within 30 days debt collectors must do this before contacting via phone or text or putting a debt on someones credit report. Under the FDCPA, 15 U.S.C. 1692g ( a ), a debt collector must send you a written notice within 5 days after their first communication with you ( unless that first contact was already in writing and contained all the required disclosures ). 

That notice must include : The amount of the debt The name of the creditor A statement of your right to dispute the debt within 30 days A statement that theyll obtain verification if you dispute The name and address of the original creditor ( if different ) If a collector calls or texts first and never mails or delivers that notice within 5 days, theyve violated 1692g ( a ). Also this company is not licensed to collect debt in Georgia which i have a screenshot for proof. This company didnt do any of the requirements above and is in violation and if this collection is not removed from my credit report immediately, I will be pursuing legal action against this company!

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 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/year> Via Certified Mail Return Receipt Requested Bull City Financial Solutions XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX Re : Request for Validation of Alleged Debt Account/Reference Number : Dear XXXX XXXX XXXX, I am responding to your letter dated XX/XX/year> regarding the alleged debt referenced above. 
This is not a refusal to pay, but a formal notice that your claim is disputed. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request the following : 1. Verification of the debt The name of the original creditor The amount of the alleged debt and how it was calculated A copy of any judgment ( if applicable ) 2. Proof of your authority to collect Documentation showing you are licensed to collect debts in.

my state Chain of assignment or purchase agreement proving you.

have the.

right to collect this specific debt 3. Complete account history Statements or records showing all transactions that form the basis of the amount claimed * * Until you provide these items, you must cease all collection activity, including reporting this account to credit bureaus ( or must mark it as disputed ). 
Thank you for your cooperation. 

Sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
Upon reviewing my credit report, I noticed several items that I did not open. I suspect that my personal information has been used fraudulently without my authorization. These items do not belong to me and should be removed from my credit file. Ive attached a copy of my Drivers License ID, Proof of Address, and my FTC Identity Theft Report. Please remove these items from my credit report in accordance with Section 605B of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} 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 2025-10-06 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: TX

Complaint narrative:
Upon reviewing my credit report, I noticed several items that I did not open. I suspect that my personal information has been used fraudulently without my authorization. These items do not belong to me and should be removed from my credit file. Ive attached a copy of my Drivers License ID, Proof of Address, and my FTC Identity Theft Report. Please remove these items from my credit report in accordance with Section 605B of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. 
I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Dispute of Inaccurate Late Payment Reporting XXXX XXXX To Whom It May Concern, I am disputing an inaccurate late payment entry appearing on my XXXX  credit report. The account is listed as XXXX XXXX, account number XXXX, with a reported late payment on XX/XX/XXXX, in the amount of {$710.00}. 

I believe this information is inaccurate and/or unverifiable, and therefore should be reinvestigated in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2. Under these provisions, XXXX  is required to ensure the maximum possible accuracy of all reported information and to delete or correct any data that can not be verified as accurate. 

Please conduct a full reinvestigation of this account and verify with XXXX XXXX whether the alleged late payment was reported correctly. If the furnisher can not provide documented proof confirming the delinquency, I request that this item be removed or corrected immediately. 

Attached are supporting documents, including proof of identity and any relevant account or payment records. 

Please provide written confirmation of your investigation results within 30 days, as required under FCRA 611 ( 15 U.S.C. 1681i ). 

Thank you for your prompt attention to this matter. 

Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Current Address : [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: CA

Complaint narrative:
I am formally disputing the reporting of the account XXXX XXXX XXXX XXXXXXXX currently appearing on my TransUnion, Equifax and Experian credit report. The account is listed with a balance of {$640000.00}, opened on XX/XX/year>. Upon careful review, I identified multiple reported late payments that do not align with my verified payment history and fail to accurately reflect the accounts true activity.

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