vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXXXXXX To : Experian Subject : Dispute / Complaint Incorrect address on credit report I hereby request that you remove the incorrect address listed in my consumer credit report. This address is not my current address, nor have I ever lived there/ used it. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), credit reporting agencies are required to maintain maximum possible accuracy ( FCRA 607 ( b ) ), and information that is inaccurate or unverified must be corrected or deleted ( FCRA 611 ( a ) ).

Furthermore, furnishers supplying such identifying information must ensure it is accurate ( FCRA 623 ( a ) ).

Also, I rely on CFPB Circular 2022-07, Reasonable investigation of consumer reporting disputes, which states that I have the right to dispute this information without unnecessary burdens, and you are required to conduct a reasonable investigation once the dispute meets statutory requirements.

In addition, CFPBs Advisory Opinion on Facially False Data holds that obviously false or inconsistent information must be removed. An address which is not mine, that I never lived at, or never authorized, is facially false. 
Please complete your investigation and update or remove the incorrect address no later than 30 days. If you can not verify the correctness of the address, you must delete it under 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 explanation
Consumer complaint received 2025-10-05 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: SC

Complaint narrative:
Details of the Complaint : I am filing this complaint against one or more of the nationwide credit reporting agencies ( Equifax, Experian, TransUnion ) for reporting a derogatory account that is not legally verifiable and which the alleged furnisher, XXXX XXXX XXXX, has explicitly denied ownership of in response to previous CFPB complaints. 
I previously filed XXXX CFPB complaints against XXXX XXXX XXXX, in which I provided documentation showing that they are reporting a negative collection account on my credit report. In both responses, XXXX XXXX XXXX confirmed that they are not the company responsible for this account and stated that they have no knowledge or connection to it. 
Despite this, the credit bureaus continue to report the account, which now constitutes false and inaccurate reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). The FCRA mandates that credit bureaus maintain maximum possible accuracy in the data they report.

This account is now : Not verifiable Disputed with proof that the furnisher denies responsibility Still being reported as valid and derogatory This is a direct violation of FCRA, and I am demanding that this account be immediately deleted from my credit reports with all nationwide credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-05 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: NJ

Complaint narrative:
I am trying to upload supporting documentation for my dispute with XXXX XXXX they are currently reporting two accounts with XXXX XXXX XXXX XXXX that was already transferred and closed with the original creditor however the information is being reported however XXXX XXXX XXXX XXXX XXXX Trans Union to blocked these accounts I have uploaded supporting documents.

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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
I attended XXXX XXXX XXXX University since XXXX up until XX/XX/XXXX. The student email was hacked as well as my private information ( ssn, address and other information ). I was scammed out of XXXX through email from a fake student saying a tech was moving and was selling items to in which i sent money through XXXX to purchase said items. I then was told that the school had a breach of our information when i attempted to update my address and bank account information to receive my disbursement from a third party company they use called XXXX account. Which i made previous complaint about with cfpb. Due to that breach i am currently being harassed by many fake loan companies and other entities inquiring about products and services. I am requesting a forgiveness and refund of all loans as well as XXXX in compensation for withholding this information from me, when we should have been told as students.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
This complaint involves both JPMorgan Chase Bank, N.A., issuer of the United XXXX credit card, and United Airlines, which jointly advertise and administer the cards XXXX benefit. 

On XX/XX/year>, I booked a multi-city itinerary ( XXXX  XXXX ) on XXXX for about {$850.00}, and I paid using my Chase-issued United XXXX credit card . The itinerary included a United-operated flight ( XXXX  ) and a partner-operated flight ( XXXX XXXX ). 

When checking out, the option to apply my annual {$250.00} United XXXX credit did not appear. Uniteds agent later told me that XXXX credits can not be used on mixed-carrier tickets, even when a United-operated segment is included. This restriction is not disclosed on Chases credit-card offer pages or the benefit summary. The terms state only that XXXX must be used for bookings on a United- or United XXXXoperated flight or as otherwise permitted by United . My reservation met that condition.

I contacted both United and Chase. Each referred me to the other. Chase responded several times with template text repeating the same disclosure but never explained why my itinerary was ineligible or where the mixed-carrier rule is disclosed. 

The lack of clear disclosure misled me about a key advertised benefit and reduced the cards value. 

For reference, the Chase and United XXXX XXXX pages I relied on when applying are : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed an FTC Identity Theft Report and mailed supporting documents to Experian, Equifax, & XXXX  requesting the removal ( block ) of fraudulent accounts under FCRA 605B.

Experian has removed the collections but refuses to remove multiple fraudulent accounts ( XXXX XXXX credit card and XXXX XXXX XXXX. When I call, their system refuses to transfer me to a representative in the fraud department and repeatedly disconnects me. 

This violates my rights under the Fair Credit Reporting Act, which requires credit bureaus to block fraudulent information within 4 business days of receiving proper identity theft documentation. 

I am requesting immediate deletion of the fraudulent accounts and a written confirmation that my credit file has been corrected. 


XXXX  removed everything I requested, Equifax has removed nothing and they continue to have my file locked when I told them to unlocked and never lock it unless I request them to, Experian has moved collection accounts but not the other accounts that dont belong to me. Ive tried calling Experian 5 times now regarding this. They are in violation I want them to be held accountable for this

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 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LEXISNEXIS
State: SC

Complaint narrative:
In my letter, I disputed the alleged debt and requested documentation proving that I owe it, as allowed under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, the company has continued collection activity, including remove in 4 business days This is a violation of my rights under the FDCPA because they are attempting to collect without providing proper validation and ignoring my cease-and-desist request. I am requesting that the CFPB require this company to stop all collection activity until they provide full validation of the alleged debt, and to correct any inaccurate reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am disputing the following 2 collection accounts from LVNV Funding LLC. Two separate accounts from this debt buyer, with balances of {$960.00} and {$900.00}, respectively. These accounts are inaccurate and unverifiable. As a debt buyer, LVNV Funding lacks the original account documentation to legally verify the debts ' validity, amount, and chain of ownership due to the fact that I've never had any dealings/contractual obligation with LVNV Funding LLC . There reporting must be held to the highest standard of accuracy and verifiability. 15 U.S.C 1681i ( a ). Reporting information that can not be verified upon a reasonable investigation violates 15 U.S.C. 1681i ( a ) and the requirement maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: MN

Complaint narrative:
I am the victim of identity theft connected to the XXXX nationwide data breaches that exposed millions of Social Security Numbers and personal identifiers. As a direct result of this breach, my TransUnion credit file is reporting several fraudulent accounts and unauthorized inquiries that I never opened, authorized, or approved. 

Fraudulent accounts currently listed on my credit report include : XXXX XXXX {$0.00} XXXX XXXX {$330.00} XXXX {$400.00} XXXX {$560.00} XXXX  {$0.00} XXXX  XXXX {$3700.00} XXXX {$1400.00} Unauthorized inquiries appearing on my report are : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These items are the result of fraud and identity theft. I have never had accounts, applications, or credit relationships with the above creditors. Their presence is inaccurate and damaging to my credit score, my ability to obtain housing, financial services, and other opportunities. 

I submitted a formal written dispute to TransUnion, including : A copy of my government-issued identification. 
Proof of address ( utility bill ). 
FTC Identity Theft Report ( filed at XXXX ). 
Evidence of my exposure in the XXXX data breaches. 

Despite my clear and complete submission, TransUnion has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c-2 ( Identity Theft Blocking ) : Requires blocking of fraudulent information within 4 business days of receiving notice and proof.

15 U.S.C. 1681e ( b ) ( Accuracy Requirement ) : Requires maximum possible accuracy in all reporting ; fraudulent accounts and inquiries violate this provision.

15 U.S.C. 1681i ( Reinvestigation ) : Requires reinvestigation of disputed items and removal if unverifiable.

15 U.S.C. 1681n & 1681o ( Civil Liability ) : Failure to comply creates liability for damages, punitive damages, and attorneys fees.

By failing to promptly block and remove these fraudulent accounts and inquiries, TransUnion is not complying with federal law and is continuing to report inaccurate, harmful information about me.

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 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Pursuant to my rights under 15 U.S.C. 1681i, I dispute the following XXXX  collection accounts reported by Midland Credit Management. These items are inaccurate, unverifiable, and do not comply with the reporting requirements of the Fair Credit Reporting Act. These are " debt buyer '' accounts. The FCRA mandates that information must be fair, accurate, and verifiable ( 15 U.S.C. 1681e ( b ) ). The " Date of First Delinquency '' for each account ( XX/XX/year>, XX/XX/year>, XX/XX/year> ) precedes the " Date Opened '' with Midland ( XX/XX/year>, XX/XX/year>, XXXX. This indicates the original creditor charged off and sold the debt. Not when the original credit relationship was established. Midland can not accurately report this as a new account ; they are merely assignees. This is materially misleading to any creditor reviewing my report, as it misrepresents the age and nature of the account in violation of 15 U.S.C. 1681e ( b ). Furthermore, one of these accounts has the narrative code that indicates a prior consumer dispute, and the presence of another code suggests a reinvestigation was ongoing, indicating acknowledged unresolved inaccuracies yet the account remains without correction. Reporting a purchased debt with a new " Date Opened '' is misleading and constitutes a violation of 15 U.S.C. 1681e ( b ). Its continued reporting in this state is improper. Please investigate these items and permanently delete them from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
Dispute was submitted due to being a victim of identify thief. Unable to verify account. Account still reporting to credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CO

Complaint narrative:
Between XXXX  and XXXX XXXX XXXX unauthorized transactions were made from my Chime Bank account, totaling over {$900.00}. I submitted a formal dispute to Chime Bank on XX/XX/year>, with supporting documentation. The dispute was denied. I then submitted a rebuttal with annotated screenshots, a detailed timeline, and a written explanation of the unauthorized activity. 

On XX/XX/scrub>XXXX XXXX XXXX Chime Bank denied my rebuttal againbut failed to provide any written explanation. Their mobile app only stated Check your email, yet no email or justification was ever received. This violates Regulation E and the Fair Credit Reporting Act ( FCRA ), which require financial institutions to provide a written reason for dispute denials.

I have attached : - Annotated screenshots of the denied transactions - Monthly statements showing unauthorized transfers - My formal rebuttal letter - A timeline of events Chime Banks failure to respond properly obstructs my ability to escalate or seek legal remedy. I am requesting CFPB intervention to enforce compliance, transparency, and restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have several accounts on my credit reports TransUnion, XXXX  and Equifax that are reporting charged off or write off accounts. TransUnion I created a dispute form and when it came back the information on my credit report was not changed from the charged off, the same was done with XXXX and Equifax. From my understanding of the law in order for a company to update on your credit report as write off they would have had to write off the debt and file it on taxes. From my understanding if this is the case then I should have not paid the debt off if it was a write off. Some also was settled less than the amount that was owed. As a result, this is affecting my credit even though the debt has been paid or settled the write off is still considered a negative. I am asking for assistance due to this issue at hand. I believe that the companies did do a write off on there taxes and also got paid for the debt but has refused to update my account without the write off or charge off stating on my credit report. I asked for Disputes from all XXXX XXXX XXXX XXXX around XX/XX/year>. Amounts XXXX are XX/XX/year>, charged off amount/ written off {$280.00} XX/XX/XXXX, XXXX was paid in full and amount XXXX account charged off written off XX/XX/year> paid in full.

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 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
I received a message to call cash app to verify my account and the supervisor was very rude im pretty sure they were trying to take money from my account but i only had a dollar and the gentleman i spoke with kept trying to get me to ask my family members for {$500.00} to put in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
As previously mentioned in Complaint XXXX with Citibank, my bank account was flagged for fraud. This issue was finally resolved on XX/XX/year>. However, my new login information only transferred over my checking and saving account. As of today, my credit information in terms of charges, fees, etc. can not be viewed by me anywhere yet they have consistently called asking for me to pay when I cant confirm the activity on my card. I have spent over two hours, including one hour today, trying to see if they can link my card to my new login so I can see the banking info online prior to paying and verify that everything is correct. The last agent I spoke to ended up hanging up or dropping my call. I also spent my calls being transferred to 6 different agents all of whom are unable to handle this basic request. Citibank has now caused me to incur additional fees in interest because they are asking me to blindly pay the fees over the phone. I already had to pay extra interest or fees on other accounts due to them holding my bank account XXXX and will not be paying any fees until this gets resolved. This is incredibly fraudulent behavior and these fees should have been reimbursed in some way. They need to waive all interest fees from this time period and give me online access to my credit again. They claimed that they had reached out to credit executive teams on my previous claim but no one has reached out on that aspect and only my checking account resolved.

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 2025-10-06 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:
This inaccurate account is showing up on my credit report. I am kindly requesting that this account be reviewed thoroughly using the documents that I've submitted.

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 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: MO

Complaint narrative:
It is chime I had to put down a pet deposit at a hotel, it's refundable. I checked out and they said it takes two days to get back on your card and it's been 4 days. I got in touch with chime on the matter the7 days which is not true I have gotten refunds back in two before, in fact a couple weeks I got it back in two days. Now chime is saying file a report for a refund that is going back on my card. I have lost money with chime they just it's your fault. I lost XXXX dollars because they let some stuff go through after I lost my wallet and I reported my card lost. They don't want to help you with anything. I have direct deposit from the XXXX XXXX they hold it you never get it on the same day as well my SSI they always beat around the XXXX

Company response to consumer: Closed with explanation