vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
Subject : Deliberate Mishandling of Dispute and Retaliatory Account Risk by Chase Bank Institution : JPMorgan Chase Bank Product Type : Checking account Issue Category : Problems managing a checking account Specific Issue : Incorrect handling of a dispute / failure to honor dispute rights Complaint Summary : I am filing this complaint against Chase Bank for deliberately mishandling and misrepresenting a dispute I submitted regarding a {$130.00} transaction from XXXX. 

During my call with a Chase agent, I clearly stated multiple times that I was disputing the full amount of the transaction. Despite this, the representative filed the dispute for a partial amount only ( {$54.00} ) completely disregarding my instruction. This is not a clerical error. It is a deliberate alteration of the claim. I have a recording of the call to support this. 

After this false filing, the claim was closed with no adjustment to my account. When I followed up and asked for a correction, I received no re-review or accountability. My written appeals were dismissed with templated responses. 

This unfair handling not only violates CFPB guidance around fair and accessible dispute processes, but also directly contradicts my rights under EFTA and Regulation E. A financial institution should not obstruct or alter a customer 's formal dispute submission. 

Worsening the issue this disputed transaction is the primary reason my account is currently negative. Because Chase failed to resolve the dispute accurately and in a timely manner, my checking account is now at risk of being closed automatically due to prolonged negative balance. The system flags accounts for closure after 60 days, and I am dangerously close to that deadline through no fault of my own. 

Requested Resolution : - Immediate re-opening and correction of my original dispute for the full {$130.00} - Written acknowledgment that the original claim was mishandled - Amnesty for the current negative balance directly caused by the disputed charge - Courtesy withholding of account closure procedures while this complaint is under review - A written assurance that Chase will not block or manipulate any future dispute submissions Please advise if supporting call recordings or PDF letters need to be submitted to support this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Funds was deducted from my account unauthorized ( fraud ) .Contacted merchants and they were supposed to credit my bank account and Never did. Contacted Wells Fargo and funds were credited and put back in my account. I did not authorize any transactions.

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 2025-07-15 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: IL

Complaint narrative:
Pursuant to 15 U.S. Code 1681i ( a ), I exercised my right to dispute inaccurate information on my consumer report. XXXX XXXX XXXX have investigated and removed the erroneous collection account ( XXXX XXXXXXXX XXXX Account # XXXX ) confirming its invalidity or lack of substantiation. TransUnion has failed to follow suit, despite being notified and obligated under law to conduct a reasonable reinvestigation. 

Under 15 U.S. Code 1681e ( b ), TransUnion is required to assure maximum possible accuracy of any information it reports. Continued reporting of this account, after other bureaus have corrected the record and no verifiable evidence has been provided, constitutes willful noncompliance.

I hereby demand full deletion of the inaccurate account under 15 U.S. Code 1681i ( a ) ( 5 ), and request enforcement of my protected rights under federal 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 2025-07-14 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: FL

Complaint narrative:
On XXXX, TransUnion received a formal dispute under 15 U.S.C. 1681 regarding inaccurate account reporting. The dispute identified specific errors and requested corrections or deletion. However, TransUnion did not meet its obligations to investigate, review relevant information, or correct/delete inaccurate data as required by 15 USC 1681. The continued inaccurate reporting has harmed my credit profile. See attachment for details.

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 2025-07-15 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:
I am writing to formally dispute information currently being reported on my credit file maintained by your agency. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting a reinvestigation of all items listed on my credit report and the deletion of any and all accounts that can not be fully verified as accurate and complete.

Under the FCRA, you are legally required to conduct a reasonable reinvestigation of the items in question and respond within 30 calendar days of receipt of this dispute. If you are unable to verify any of the information with the original creditors or data furnishers, those unverifiable items must be promptly deleted from my credit report.

Please consider this letter a formal notice to investigate and remove any and all unverifiable, outdated, inaccurate, or misleading accounts, as required by law. I am asserting my rights as a consumer under federal law and expect full compliance.

I expect this matter to be resolved in a timely and lawful manner. 


Disputed Accounts : XXXX XXXX XXXX XXXXXXXX Issue : Listed as a charge-off with a {$9100.00} past due balance Requested Action : Verify full charge-off documentation, or remove if unverifiable XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : Reported as charged off with {$5100.00} past due Requested Action : Provide full payment history and authorization of closure/charge-off XXXXXXXX XXXX XXXXXXXX Issue : Reported charge-off with {$11000.00} past due Requested Action : Request verification of balance, charge-off status, and delinquency history XXXX. XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) Issue : Reported as a collection with a balance of {$950.00} Requested Action : Provide validation including original contract, debt assignment, and collection authority XXXX. XXXX XXXX Issue : Late payment status ( 60 days past due ) reported Requested Action : Request verification of delinquency accuracy ; correct or remove if unverifiable These entries are having a substantial negative impact on my credit file and are not consistent with my records or understanding. I request the removal or correction of any information that can not be properly verified. In accordance with the FCRA, please complete your reinvestigation within 30 days and notify me of your findings in writing. 

Thank you for your attention to 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 2025-07-15 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: IL

Complaint narrative:
I am writing to formally dispute information currently being reported on my credit file maintained by your agency. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting a reinvestigation of all items listed on my credit report and the deletion of any and all accounts that can not be fully verified as accurate and complete.

Under the FCRA, you are legally required to conduct a reasonable reinvestigation of the items in question and respond within 30 calendar days of receipt of this dispute. If you are unable to verify any of the information with the original creditors or data furnishers, those unverifiable items must be promptly deleted from my credit report.

Please consider this letter a formal notice to investigate and remove any and all unverifiable, outdated, inaccurate, or misleading accounts, as required by law. I am asserting my rights as a consumer under federal law and expect full compliance.

I expect this matter to be resolved in a timely and lawful manner. 


Disputed Accounts : XXXX XXXX XXXX XXXXXXXX Issue : Listed as a charge-off with a {$9100.00} past due balance Requested Action : Verify full charge-off documentation, or remove if unverifiable XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : Reported as charged off with {$5100.00} past due Requested Action : Provide full payment history and authorization of closure/charge-off XXXXXXXX XXXX XXXXXXXX Issue : Reported charge-off with {$11000.00} past due Requested Action : Request verification of balance, charge-off status, and delinquency history XXXX. XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) Issue : Reported as a collection with a balance of {$950.00} Requested Action : Provide validation including original contract, debt assignment, and collection authority XXXX. XXXX XXXX Issue : Late payment status ( 60 days past due ) reported Requested Action : Request verification of delinquency accuracy ; correct or remove if unverifiable These entries are having a substantial negative impact on my credit file and are not consistent with my records or understanding. I request the removal or correction of any information that can not be properly verified. In accordance with the FCRA, please complete your reinvestigation within 30 days and notify me of your findings in writing. 

Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
My Experian credit report is dangerously inaccurate. It lists 18 variations of my name and 4 different addresses, three of which are obsolete and pose a significant security risk for identity theft. I have already disputed this directly with Experian, providing them with my correct legal name and current, verified address. 

Experian has refused to remove this outdated and inaccurate information, claiming it is " tied to accounts. '' This is unacceptable. Continuing to report information that is no longer accurate or verifiable is a violation of the FCRA 's " maximum possible accuracy '' requirement ( 15 U.S.C. 1681e ( b ) ). The other two bureaus do not report this excessive and risky data, proving it is not necessary.

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 2025-07-15 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: FL

Complaint narrative:
Earlier today, during my routine credit report review, I noticed several discrepancies that werent there before. I even refreshed my browser hoping it was a temporary error, but the incorrect accounts remained. Due to this, I kindly ask that the documents I provided be thoroughly examined to prevent this problem from recurring.

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 2025-07-15 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: NC

Complaint narrative:
I am writing to formally dispute fraudulent accounts on my credit report due to identity theft. I am also a confirmed victim of the XXXX XXXX XXXX, which has exposed my personal information to unauthorized individuals. As a result, my identity has been compromised, and fraudulent accounts have been opened in my name without my consent.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm tp my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-15 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have repeatedly informed the credit bureau that the information on my report is inaccurate, and despite my efforts, they have failed to correct the errors. I requested documentation from the furnisher to verify the accounts, but they have not complied. I am filing a complaint under Section 609 of the FCRA due to their failure to investigate and correct the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
I am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX  XXXX XXXX and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. XXXX has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 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 2025-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Negative hitting my credit but payments were stopped from covid and dont restart till XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, my phone and wallet were stolen while I was at a bar in XXXX XXXX XXXX. I immediately filed a police report with the XXXX XXXX XXXX XXXX ( Case Number : XXXX ) and reported the theft to both Bank of America and my mobile provider. 

Shortly after the theft, a total of {$23000.00} was fraudulently withdrawn from my business account for XXXX XXXX, XXXX, through transactions made on the stolen phone : {$18000.00} via XXXX Pay Claim XXXX XXXXXXXX {$4200.00} via XXXX XXXX XXXX XXXX I went to a Bank of America branch that same day XX/XX/year> and reported all fraudulent activity in person. At that time, the bank only opened a claim for the XXXX XXXX transactions. Although I provided details of all the fraud ( including XXXX ), Bank of America failed to open a claim for the XXXX transactions even though they were part of the same incident involving the same stolen device and account. 

I left the country shortly after the incident for nearly two months and assumed everything was being investigated. Upon my return and follow-up, I learned that no XXXX claim had been filed. I had to request that the XXXX claim be opened, and when it finally was, Bank of America denied it, stating I was outside their 90-day reporting window. 

This reasoning is unacceptable. I reported all fraud on XX/XX/XXXX the same day it occurred and the XXXX claim should have been filed at that time. The delay was caused solely by Bank of Americas failure to properly document and process my full report. Their procedural error should not be used to deny my claim. 

Eventually, both claims were denied. BofAs rationale was that the transactions were verified because they were made from my phone which had been stolen and was in the possession of criminals. I did not authorize these transactions and received no benefit from them. 

XXXX XXXX XXXX actions appear to violate Regulation E under the Electronic Fund Transfer Act ( EFTA ), which protects consumers from liability for unauthorized electronic fund transfers, including those made via mobile payment apps like XXXX XXXX and XXXX. Their denial and failure to act on my initial report reflects a serious breakdown in consumer protections.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: VI

Complaint narrative:
Synchrony Bank is reporting a closed account as late on XXXX They updated experience to reflect that my account indeed was closed but never late. However, it is still being reported that way. I would like that updated to reflect it is not late. 30 day payments and a balance of {$0.00} are not late as per payments. It needs to be updated to reflect on time payments.

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