vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 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: AL

Complaint narrative:
I disputed six accounts with Experian from a company called ability recovery services for a debt from a XXXX medical Center on multiple occasions as Ive never received services from XXXX XXXX. I have reached out to both the debt collector and to experience every month since XX/XX/year> and still have yet to receive any information back on the debt nor has Experian removed it from my credit report and there are six accounts from this debt collecting agency that I still have yet to receive any information on, but yet its still on my credit report and they close it out and reopen it every month so it continues to bring my credit score down even more experience will not even allow me to dispute it on my credit report anymore

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 2025-10-18 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: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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 2025-10-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MO

Complaint narrative:
Jefferson Capital Systems, I am writing to follow up on my prior dispute and identity theft claim regarding the above-referenced account. On XX/XX/XXXX I mailed your office a full dispute packet that included : A copy of my government-issued ID A copy of my police report My FTC Identity Theft Report and a written dispute letter stating that I am not responsible for this debt. 
I recently received a letter from your office requesting the same documents I have already provided. 
Under the Fair Credit Reporting Act ( FCRA ) 605B and the Fair Debt Collection Practices Act ( FDCPA ), you are required to cease collection activity and block reporting of this account once you have received valid proof of identity theft. I have provided this proof multiple times.

Jefferson Capital is prolonging the dispute process by requesting information I already provided. This is causing a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: DISCOVER BANK
State: AZ

Complaint narrative:
On or about XX/XX/2024, Discover Bank placed a hard credit inquiry on my XXXX  credit report without my authorization or consent. I filed a prior CFPB complaint ( Case # XXXX ) regarding this inquiry. Discover responded, confirming the inquiry was fraudulent and stated they would update it to a soft inquiry. Despite this, Discovers unauthorized reporting caused harm to my credit and emotional distress. I am now formally pursuing statutory damages under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and have served a Notice of Intent to Sue demanding {$1000.00}. I am requesting CFPB review this unresolved matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: AR

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account does not belong to me and should be deleted promptly. I never approved it. Proof is included.

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 2025-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
I owed money to XXXX XXXX and they sold my debt to a debt collector and now the debt collector is charging me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Hello, I am submitting this complaint because I was a borrower with Navient and believe I was eligible for relief under the Navient multistate lawsuit settlement ( announced XX/XX/XXXX ), but I never received any notice of inclusion or exclusion in the settlement, nor did I receive any restitution payment or debt cancellation. 

I believe I meet the criteria outlined in the settlement for borrowers affected by Navients deceptive practices, including misleading repayment options and predatory subprime private loans. Despite this, I was not informed of any status update, letter, or email regarding my eligibility. 

Borrower details : XXXX XXXX XXXX of Birth : XX/XX/XXXX Address at the time of XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Last 4 digits of SSN : XXXX Loan Type ( s ) : [ Federal / Private / FFEL / Direct XXXX if known ) ] Approximate years loans were serviced by Navient : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: Chime Financial Inc
State: MA

Complaint narrative:
XXXX charged me fraudulently on XX/XX/year> {$670.00}. Chime took over the allotted time period to investigate and did not offer me a credit while pending and didnt show any response from XXXX as XXXX has completely ignored my dispute for a bait and switch. They did not give me that XXXX or anything comparable :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-10-18 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX  XXXX BANK XXXX  XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-18 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: VA

Complaint narrative:
I am writing to formally address a serious issue that came to my attention while attempting to rent an apartment. During the application process, I was informed that there are reported damages listed on my consumer report. These reports are inaccurate, misleading, and have resulted in harm to my reputation and rental prospects. 
According to the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S. Code 1681, I have the right to a fair, accurate, and fully verified consumer report. To my knowledge, there should be no such damages associated with my name. The inclusion of this false information constitutes not only a violation of my rights under federal law but also a defamation of my character. 
Additionally, I was previously alerted to potential Social Security risks and possible fraudulent inquiries on my report. Despite making formal requests to have those suspicious activities blocked or flagged, no such action was taken. The failure to act on these alerts is a breach of the duty to protect consumer information and prevent identity-related fraud under the same statute. 
This mishandling of my personal data and the dissemination of inaccurate information has caused both financial and emotional distress. I am formally requesting an immediate investigation into these matters, removal of all false or unverifiable information, and confirmation that my concerns regarding identity theft and fraud are being properly addressed. 
I reserve the right to pursue all legal remedies available under federal and state law for the harm caused by these violations.

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 2025-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally address a serious issue that came to my attention while attempting to rent an apartment. During the application process, I was informed that there are reported damages listed on my consumer report. These reports are inaccurate, misleading, and have resulted in harm to my reputation and rental prospects. 
According to the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S. Code 1681, I have the right to a fair, accurate, and fully verified consumer report. To my knowledge, there should be no such damages associated with my name. The inclusion of this false information constitutes not only a violation of my rights under federal law but also a defamation of my character. 
Additionally, I was previously alerted to potential Social Security risks and possible fraudulent inquiries on my report. Despite making formal requests to have those suspicious activities blocked or flagged, no such action was taken. The failure to act on these alerts is a breach of the duty to protect consumer information and prevent identity-related fraud under the same statute. 
This mishandling of my personal data and the dissemination of inaccurate information has caused both financial and emotional distress. I am formally requesting an immediate investigation into these matters, removal of all false or unverifiable information, and confirmation that my concerns regarding identity theft and fraud are being properly addressed. 
I reserve the right to pursue all legal remedies available under federal and state law for the harm caused by these violations.

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 2025-10-18 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: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
Complaint : I am filing this complaint because Chase wrongfully denied my Regulation E claim for two unauthorized debit card transactions and failed to issue the required provisional credit. Chase also gave me misleading and inconsistent information, closed my claim twice without a reasonable investigation, and violated 12 CFR 1005.11 multiple times. 

Unauthorized Transactions : XX/XX/year> {$320.00} ( XXXX XXXX ) XX/XX/year> {$320.00} ( XXXX XXXX ) Total disputed : {$650.00} I did not authorize these transactions. I have never used the XXXX XXXX app. My debit card was lost without my knowledge. I discovered the fraud on XX/XX/year> and reported it to Chase immediately. 



FIRST CLAIM ( Early XXXX ) : I filed a claim in early XXXX. Chase closed and denied it within ~48 hours without contacting me or XXXX XXXX XXXX 

Chases only reason for denial was that I accidentally selected XX/XX/XXXX as the lost card date in the app. I told them this was a mistake I meant XX/XX/XXXX. A simple date input error is not a valid legal reason to deny a Regulation E claim. 



SECOND CLAIM ( XX/XX/XXXX ) : On XX/XX/XXXX at XXXX XXXX, I reopened the dispute and corrected the date to XX/XX/XXXX. 
The first representative hung up on me when I tried to explain. 

I called back and spoke with a supervisor, who said the claim was being escalated to a higher team. She did not request any additional information from me. Chase never contacted me again. 

Chases own app stated I would receive a provisional credit within 4 days ( by XX/XX/XXXX ). Regulation E also requires provisional credit within 10 business days. Chase provided no credit at all. 



MISLEADING / CONFLICTING INFORMATION : On XX/XX/XXXX, the app showed the claim as Closed. 
I called Chase the same day. The representative told me the claim was NOT closed and was escalated. 
This was false. 
On XX/XX/XXXX, a denial letter dated XX/XX/XXXX suddenly appeared in the app. 
This proves Chase closed and denied the claim behind my back while telling me it was escalated. 



NO REASONABLE INVESTIGATION ( Regulation E violation ) : Chase : Never contacted XXXX XXXX Never contacted me Never requested documentation Closed both claims in ~48 hours Denied solely based on an input mistake Gave me false information about the status Failed to issue provisional credit within 4 days ( their policy ) or 10 business days ( Reg E law ) This is a clear violation of 12 CFR 1005.11 ( c ) and ( d ).

Chase denied my claim twice without a reasonable investigation, misled me about the status of the second claim, failed to issue provisional credit, and violated Regulation E. I am asking for CFPB assistance to enforce my rights and require Chase to issue the {$650.00} refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Back in XXXX I had gotten a Capital One credit card. Used the money for XXXX and for the first couple months when I paid my minimum of {$25.00} it would take. Then around XXXX  months later when I tried to pay my minimum it would say it would take it and then completely refund it back to my bank account. I tried it for weeks, called the Credit company and also my bank to see if we could get it resolved. Both pointed fingers at each other and I was told to just keep trying meanwhile my late fees were piling up until it got to be too much and I couldnt afford it anymore. The credit card was for {$300.00} but with the late fees it stacked it up to over {$1000.00} and went into collections after not being able to get a straight answer from anyone and no longer being able to afford it. The aggravation of trying to continually trying to make a payment and not getting refunded. It has tanked my credit as well to the point its taken me well over a year and a half to try and get it back up to just fair. I also dont have access to any transactions on the account to show where it was refunding the payments and my bank has it where I cant screenshot. I have no idea what to do until someone had told me I could dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: Possible Financial Inc
State: FL

Complaint narrative:
I am filing a complaint because my financial institution failed to properly investigate a disputed transaction and came to an inaccurate conclusion that it was not fraud. 

I disputed a {$230.00} charge from XXXX XXXX dated XX/XX/XXXX under Case No. XXXX. I discovered this fraudulent charge only after receiving a XXXX late notice, which was confusing because I was under the clear impression that the account had been closed in XX/XX/XXXX. 

I reported the issue immediately after receiving the late notice, yet the institutions employee delayed submitting the dispute for nearly a monthrepeatedly instructing me to call in and stalling the process. Despite these delays being entirely the institutions fault, they later denied the dispute, falsely claiming it was outside the XXXX window. 

The financial institution also concluded that the transaction was not fraud but provided no evidence whatsoever that I authorized it. No proof such as a signed agreement, verified IP address or device ID, matching CVV/AVS results, or delivery confirmation was ever shown to me. 

This demonstrates a failure to conduct a reasonable and good-faith investigation as required under Regulation E ( 12 CFR 1005.11 ) for electronic fund transfers, and possibly a violation of the Fair Credit Billing Act ( FCBA ) if processed through a credit account. Their handling of this matter appears arbitrary, negligent, and designed to frustrate the consumer dispute process. 

I am requesting that the CFPB : XXXX. Require the financial institution to reopen and properly investigate the dispute. 
XXXX. Compel them to provide all documentation used in their determination, including the merchants alleged proof of authorization. 
XXXX Review and investigate the institutions delay tactics and misleading dispute-handling practices, which may constitute deceptive or unfair business behavior under federal and Florida law. 

I am also reporting this issue to the Florida Attorney Generals Office for further investigation of these deceptive business practices.

Company response to consumer: Closed with monetary relief