vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: LA

Complaint narrative:
Chime took {$240.00} from my paycheck for a loan I never authorized or received. I contacted support and they refused to return the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NJ

Complaint narrative:
b'I received two letters from Experian recently, one dated XXXX XXXX and the other XXXX XXXX. In the XXXX XXXX letter, my last name was incorrectly shown as XXXX with a "Z" at the end. However, the XXXX XXXX  letter correctly shows my last name as XXXX with an "S." My last name is XXXX with an "S," not XXXX" with a "Z."\nAlthough the XXXX XXXX report reflects the correct spelling, I want to ensure that all records have been updated and that there are no instances still showing the incorrect spelling. If there are any records listing my last name with a "Z," I request that they be corrected to "S" to accurately reflect my name. Additionally, I am disputing XXXX  phone numbers XXXX XXXX and\nXXXX XXXX listed on my recent credit report that do not belong to me. I request that these incorrect numbers be removed from my file. It is important to me that my personal information is reported accurately, and I appreciate your prompt attention to these corrections.'

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 2025-10-30 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: MD

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 non-monetary relief
Consumer complaint received 2025-10-30 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-10-30 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a formal complaint regarding misrepresentation in the sale of a Chase Bank credit card. 

On XX/XX/year> I entered Chase Bank at XXXX XXXX XXXX in XXXX, CA XXXX to tend to an issue regarding my private checking account. I did not enter the branch with any intention of applying for a credit card. The associate, XXXX XXXX ( ID XXXX ), approached me and induced me into applying for the XXXX XXXX by representing that the card offered XXXX  % back on gas/grocery purchases indefinitely. Because this seemed unusually generous, I asked her in different ways, on multiple occasions, whether the benefit was ongoing or limited. Each time, she explicitly confirmed that it was permanent. 

I even told her directly that I already had a credit card with similar perks, the XXXX XXXX. She assured me that this Chase Bank card had the same perks but ongoing forever, which was the only reason I agreed to apply. To further pressure me, she said this was a special branch promotional offer and that she did not know how long it would be available, creating a false sense of urgency. 

It was only after I completed the application that she provided me with a printout of the official terms. At no point prior to applying did she provide the written disclosures. Had I seen the actual terms beforehand, I would not have applied. Later that same day, I emailed and called her multiple times to confirm the benefit in writing, but she never replied. 

This conduct constitutes a material misrepresentation, which is a deceptive practice under the CFPBs UDAAP standard and violates Truth in Lending Act disclosure requirements. The fact that this occurred at XXXX XXXX of application makes it a compliance issue for Chase Bank as an institution, not a misunderstanding with XXXX employee. 

I already raised this issue with the branch XXXX XXXX XXXX ( XXXX ), who declined to resolve it. Accordingly, I am now escalating. I then reached out to the XXXX branch who offered to pay an annual fee for XXXX of my other credit cards, however, I do not feel this is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
Both the XXXX and furnishers are in violation of XXXX XXXX. XXXX ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RFNA, LP
State: FL

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I bought a coat from a company called XXXX that uses a sister company for the debit and I was on the phone with the company to confirm that information and also to have the charges for their protection plan canceled because I didn't want it when an e-mail from Chase saying there was a fraud alert. It asked if I recognized the charge and I clicked no because still getting the information from XXXX regarding where they collected the money. Chase has never sent a fraud alert before by e-mail. 

Chase then cancelled by debit card saying a new one would be available in XXXX to XXXX  days. I didn't even get a chance to call Chase regarding this matter. I would have said that XXXX gave me the information to go ahead with processing the purchase of the coat. 

I called Chase and they said that this is what their system does. Now I have to wait XXXX business days to get a new debit card and then contact all the businesses that I have the debit card attached to. I am not that computer literate so this is a hardship for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I must unequivocally stress that this complaint is no mistake my credit report is tainted with false and entirely inaccurate information that fails to achieve even XXXX  % accuracy. This erroneous data is inflicting undue stress and negatively impacting me in profound and unacceptable ways.

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 2025-10-30 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: CA

Complaint narrative:
XXXX. XXXX XXXX numbers inaccurate XXXX. Several home addresses is inaccurate. 
XXXX. XXXX credit count showing closed but is active

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 2025-10-30 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: GA

Complaint narrative:
Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$550.00} is inaccurate. I request an investigation and correction of this account to reflect the true status. 

XXXX XXXX XXXX ( Account : XXXX ) Dispute : The account is reported as charged off on XX/XX/XXXX, with a balance of {$0.00}. I request verification of this accounts status and correct any discrepancies. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$2600.00}. The balance reported is incorrect and should be updated to reflect the correct information. 

XXXX ( Account : XXXX ) Dispute : This account is reported as charged off on XX/XX/XXXX with a balance of {$170.00}. I request a review of this account to confirm its accuracy and reflect the proper account status. 

Inquiries : XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry was made without my consent and should be removed from the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a direct result of a recent data breach, my XXXX XXXX  information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i have reviewed my credit report and found unverified items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
For my Chase credit card - over a year ago Chase started using a XXXX part authentication to log into my online account, although I've only agreed to a XXXX part authentication in my account settings. The XXXX entails XXXX signing in with my username and password and XXXX confirming my identity by by clicking on a link to obtain an automated call from Chase with a XXXXtime XXXX. This is what I've been doing for many years until a year or so again. 
After the XXXX steps, another screen asks for more information to confirm my identity. This screen requires that I call a # to get a code. Also on this screen, it states that this service is available Monday Friday from XXXX a.m. to XXXX a.m. XXXX. 
Saturday Sunday from XXXX a.m. to XXXX p.m. XXXX. When I call the # to get the code, XXXX... I am asked to agree to XXXX party authentication, provide my full account # and XXXX XXXX XXXX, etc., all of which is recorded. I have refused this and have had no choice to call Chase ( customer service ), a different # to get a code. 
I have to do this every month, often more than XXXX  a month and each time I complain I am told that is has been fixed and I won't have to do this XXXX part any longer. But then I was informed that I'm only having to because I have cleared my cache. A couple of months ago I was again told that it's been fixed... but today was informed that the " XXXX authentication '' in my settings had been XXXX so I wouldn't have this issue any longer. I never gave anyone permission to change this in my settings. That, apparently hadn't made a difference in what I had to do to sign in anyway. I turned the XXXX part authentication back on. Again today I was told that if I didn't want this to happen again - not to clear my cache. I can clear my cache if I want to or feel there is a need. But unless I comply with providing a recorded call with sensitive information, I can not access my online account ( unless I call customer service and get a code ). I feel that entering my username and password, along with clicking a link to get an automated call with a code is more than sufficient. None of my other credit cards nor my bank require anything of the sort. I am certainly not comfortable and am concerned overall with a requirement to provide recorded information of personal information and having to agree to XXXX authentication in order to access my online account. This is more risk for fraud, in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I paid off XXXX credit cards with capital XXXX. XXXX savor and venture. They capital XXXX  without notice restricted the use of my cards saying it was potential fraud when they were paid off XXXXI have sent them proof that I own the account I used to pay off the credit cards. They will not respond nor will they cancel the restriction of the cards I paid off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-30 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: PA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

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 2025-10-30 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-30 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding the following tradeline that is inaccurately appearing on my credit reports : XXXX XXXX XXXXXXXX Account # XXXX reporting as Charge-Off on Equifax and TransUnion. 
The account is listed as Authorized User. I never agreed to be an authorized user on this account, I do not recognize the account holder, and the account has nothing to do with me. I requested removal from the reporting furnisher, but XXXX XXXX XXXXXXXX has refused or failed to correct this designation. 

This reporting is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). Specifically : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Reporting a charge-off tied to me as an Authorized User when I never authorized or used the account is objectively misleading and inaccurate.

Under 15 U.S.C. 1681i ( a ), when a consumer disputes information, the CRA must conduct a reasonable reinvestigation. Vague statements such as verified with furnisher are insufficient where the consumer denies any relationship to the account.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if an item was previously deleted, any reinsertion requires a written certification from the furnisher and consumer notice. I have not received any such certification or notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX 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 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 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