vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX, has violated my rights. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Chime 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 2025-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/2025 RE : DEMAND FOR IMMEDIATE REMOVAL OF UNAUTHORIZED INQUIRIES To Whom It May Concern, This letter serves as a formal and urgent demand for the immediate removal of unauthorized hard inquiries from my credit report. I did not authorize, initiate, or consent to these inquiries, and I consider them a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Under the FCRA, no one is permitted to access my credit information without my explicit authorization. The following inquiries were not authorized by me and must be removed without delay : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are damaging my credit standing, and their continued presence on my credit file is unacceptable. I am requesting that you conduct a prompt investigation, provide proof of my authorization for each listed inquiry, and, if such proof can not be produced, delete the inquiries from my credit report immediately. 
I am including copies of the following documents to verify my identity : Recent utility bill ( proof of address ) If these inquiries are not removed within the 30-day investigation period, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will consider seeking legal counsel to pursue damages for willful noncompliance.

I expect a written confirmation from your office once the inquiries have been removed and my credit file has been corrected. 
Sincerely, [ 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 2025-10-07 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$170.00} XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date opened XX/XX/XXXX -Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: ND

Complaint narrative:
XX/XX/XXXX I got approved for a mileage plus credit card with United ( chase ) and I spent the XXXX $ in the first 3 months to receive the XXXX bonus miles. After calling for months they are not issuing the miles and give me excuses every time I call. They sent me a formal letter saying the miles would be in my account by XX/XX/XXXX and they have not honored that

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
i am writing to you because io have this collection company reporting inaccurate information on my credit repot and i ave already attempted to resolve this and I have been unable to do so. i am very educated on my rights as a consumer as i also have a business and i understand that if the information is not correct ti have the right to dispute this,. i have done so and have not received anything to my current address which they also have. How can you help me with this.

PORTFOLIO RECOVERY IS THE COLLECTION COMPANY AND THEY HAVE 2 COLLECTION ACCOUNTS THEY ARE ACCUSING ME OF OWING WHEN I HAVE NO KNOWLEDGE OIF THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: Westlake Services, LLC
State: TX

Complaint narrative:
The adverse information currently appearing on my credit file has become a matter of serious distress and worry for me. I am greatly troubled by how this negative entry is impacting my financial stability and creditworthiness. This derogatory mark has already caused the rejection of a recent credit request and has prompted my existing creditors to raise the interest rates on my accounts. I need to underscore the substantial economic hardship and personal anxiety that this damaging reporting has created for me and will continue to create unless it is properly corrected and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Moore Legal Group, LLC
State: NJ

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, Meadowbrook Legal Group, through XXXX XXXX XXXX, automatically drafted {$1300.00} per month from my bank account for a debt settlement program ( about {$11000.00} total ). 

At the end of the program only about {$800.00} remained in escrow and virtually none of the debts were settled or even close to being even started. I was told to stop paying my creditors, which damaged my credit. The company collected large " fees '' before performing and meaningful services. 

On XX/XX/XXXX and XXXX XXXX, I sent certified letters to both Meadowbrook Legal Group and XXXX XXXX XXXX demanding full accounting refund. USPS tracking and signed green cards confirm both companies received letters. Neither has responded.

I believe this violates the FTC Telemarketing Sales Rule ( advance fee ban for debt relief services ) and other consumer protection laws. I'm requesting that CFPB investigate, require full accounting, and secure a refund of unearned/unlawful fees.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
I have tried several times to resolve this ongoing issue regarding my credit report. I have inaccurate information thats reporting and I have yet to receive proof or help. I have provided proof of payment history on XXXX and it still was not deleted. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my XXXX under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: RI

Complaint narrative:
I am submitting this complaint regarding a deeply troubling experience with Marcus Bank involving one of my accounts and the mishandling of {$50000.00} in funds.

I hold three accounts with Marcus Bank. Several years ago, I added my wife as a beneficiary to one of these accounts. Since then, we relocated from Wisconsin to Rhode Island. I updated my contact information in XXXX XXXX portal, but inadvertently did not update my wifes details. 

In late XXXX, I discovered that one of my accounts had been closed and the funds $ XXXX no longer accessible. 
Upon contacting Marcus Bank, I was informed that they had attempted to reach my wife to update her information. Failing to do so, they closed the account and mailed a check to her outdated Wisconsin address. 

This action is outrageous and unacceptable. I am the account holder, yet Marcus Bank made no attempt to contact me directly. Furthermore, they chose to send a physical check instead of transferring the funds to one of my other two active accounts with Marcus Bank.

Since we no longer reside in Wisconsin, we never received the check. I was instructed to submit an affidavit stating that the check was not received. I sent the first affidavit in early XXXX, which XXXX later claimed they never received. I then sent a second affidavit via XXXX with tracking, which was confirmed delivered on XX/XX/XXXX. 
On XX/XX/XXXX, Marcus Bank acknowledged receipt and stated it would take three business days for their back office to upload the document. I followed up XXXX XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX XXXX to be told each time that the document was still pending upload. 

Finally, on XX/XX/XXXX, I was informed that the document was never received, despite XXXX confirmation of delivery. I was told to restart the process and submit a third affidavit. This is insane and reflects a complete breakdown in internal processes and customer service. 

To make matters worse, I was told that once the affidavit is received, I will need to wait another 90 days to have the funds returnedagain, by checkdespite having two other active accounts with Marcus Bank.

This situation has caused significant distress and inconvenience. I am requesting immediate intervention to : Ensure Marcus Bank acknowledges receipt of the affidavit already delivered.

Expedite the return of my funds without further delay. 
Provide a clear explanation of why I, the account holder, was not contacted. 
Prevent future occurrences of such mishandling. 

Thank you for your attention to this matter. I am available to provide documentation and tracking information as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: KY

Complaint narrative:
Re : Formal Complaint Against XXXX  Concerning XXXX XXXX XXXX XXXX Reporting To Whom It May Concern, I am filing this complaint against Experian regarding their handling of my dispute concerning XXXX XXXX XXXX XXXX account appearing on my credit report. 
On XX/XX/year>, I submitted a dispute challenging the following inaccuracies and inconsistencies : Account Number the number being reported is not valid. 
Late Payments the count of late payments is inaccurate. 
Open Date and Close Date the dates are reported incorrectly.

Balance the balance being reported is inaccurate.

I also specifically instructed that I do not consent to electronic communications and that all responses must be sent to me via XXXX mail only. 
In addition, the account being reported contains no valid account number, no identification of the current creditor or owner, and no indication of whether this account has been sold or transferred. Without this information, there is no way for me to verify or contact the alleged creditor. Reporting an account without showing ownership or assignment makes the data unverifiable under the FCRA and requires immediate deletion. 
Despite the requirements of the Fair Credit Reporting Act, Experian has never responded in any form. I received no reinvestigation notice, no documentation, and no mailed communication of results. This is a willful violation of federal law and a denial of my consumer rights. 
Violations of the FCRA and CFPB Regulations Failure to Reinvestigate Disputed Information ( 1681i ( a ) ( 1 ) ) Experian was legally obligated to complete a reinvestigation within 30 days. They failed to act altogether.

Failure to Notify the Consumer of Results ( 1681i ( a ) ( 6 ) ) Experian failed to provide me with any written results of the dispute reinvestigation, by mail or otherwise. 
Failure to Provide Verification ( 1681i ( a ) ) Experian did not provide the documentation or evidence I demanded to verify the accuracy of this account. 
Failure to Correct or Delete Inaccurate/Unverified Information ( 1681i ( a ) ( 5 ) ) Since Experian failed to verify or reinvestigate, the XXXX XXXX XXXX XXXX account must be deleted.

Failure to Maintain Reasonable Procedures ( 1681e ( b ) ) By continuing to report inaccurate and unverified information without review, XXXX  is knowingly harming 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 2025-10-07 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: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

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 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I booked a four-star hotel on the XXXX website, which was advertised as having a sauna, swimming pool, laundry facilities, being XXXX meters from public transportation, and offering check-in service by staff. However, in reality, it was not a hotel at allit was an XXXX located inside an abandoned hotel building. There was no staff, it was XXXX kilometers from public transportation, and the sauna, pool, and laundry room were all locked or out of service. In short, everything was falsely advertised. 

Chase Bank told me that although my complaint against XXXX is XXXX XXXX has admitted itbecause I stayed there, I can not dispute the charge. However, according to Chases own list of dispute reasons, product or service misrepresentation and failure to provide the purchased service are legitimate grounds for dispute. Since this was proven to be a case of product fraud and the company has already admitted it, I never actually received the service I paid for. So why cant I dispute this charge?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I am filing a complaint against my credit-card issuing bank for improperly denying a valid dispute related to a XXXX transaction with XXXX or XXXX XXXX XXXX 
I rented a vacation property from XXXX or XXXX XXXX for XX/XX/XXXX XXXX, 2025. 
I reported serious property issues to the merchant on XX/XX/XXXX, during my stay. 
The merchant did not respond until XX/XX/XXXX, after the rental ended. 
On XX/XX/year>, XXXX or XXXX XXXX sent me a written confirmation that a refund would be issued. 
The merchant later claimed that email was sent by mistake/automation and refused to issue the refund. * * This was the SECOND excuse I received, as the first one from the Accounting Dept. was that the person that sent the email had broken his back.

I filed a dispute with my bank under Visa Reason Code 13.6 ( Credit Not Processed ) since I have written proof that a refund was promised and never delivered. The bank denied my dispute without addressing this evidence and did not escalate the case for XXXX review or arbitration. 

I have filed related complaints with : The North Carolina Department of Justice Consumer Protection Division, and The North Carolina Real Estate Commission, which oversees Surf or Sound Realtys brokers.

Why I believe the bank acted improperly : The bank failed to honor Visas consumer-protection rules requiring a chargeback when a merchant promises a refund but fails to issue it. 
The bank closed the dispute prematurely, despite clear, documented evidence. 
I was not informed of any escalation to XXXX for second-level review or arbitration. 

Requested Resolution : Reopen the dispute and process the chargeback under Visa Reason Code 13.6 ( Credit Not Processed ), or Provide written confirmation that the case was submitted to Visa arbitration and the outcome.

Supporting Documentation Provided : 1. Booking confirmation and payment receipt. 
XXXX. XX/XX/year> email reporting property issues. 
XXXX. XXXX delayed XX/XX/XXXX and XX/XX/XXXX responses. 
XXXX. XX/XX/year> refund confirmation email. 
5. Merchants later refusal citing automation error. IN BBB 6. Copies of all charges pertained to this Vacation Home Dispute The banks denial disregarded written proof of a promised refund and therefore failed to protect me under federal consumer credit law and Visas operating regulations. I am requesting CFPB review to ensure the bank reopens or properly escalates this case.

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