vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
No communication of any debt collection and served with lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-04 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: CA

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 explanation
Consumer complaint received 2025-12-04 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: UT

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-12-04 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: IL

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I have made two separate attempts to request validation of the alleged debt from I.C. System, Inc. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive full and proper validation of this debt. My first request received no response, and I am therefore renewing my demand for complete validation in compliance with 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 2025-12-04 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: MD

Complaint narrative:
b'Experian\n\n1.Account # XXXX XXXXDates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2.Account # XXXX XXXX XXXX XXXX XXXXDates XXXX XXXX XXXX XXXX XXXX XXXXI am formally disputing the late payment entries reported on my credit file for the above-referenced account. These reported late payments are inaccurate, unlawful, and must be removed immediately.\nUnder 15 U.S. Code  1666(b), creditors are legally required to provide consumers proper billing statements mailed in a timely manner, allowing the consumer a fair opportunity to make payment before any late fees or delinquencies are assessed. This includes ensuring the billing statement is actually delivered and provided in a manner that allows the consumer reasonable time to pay.\nI am assertingclearly and unequivocallythat I did not receive any billing statement or notice at least 21 days before the alleged late payment occurred. Because no proper statement was ever received, the creditor had no legal basis to report a late payment, as I was never given the required opportunity to make payment on time.\nThe reported late payment(s) violate:\n\n\n15 U.S.C.  1666(b)  Failure to send a proper billing statement prior to charging or reporting a delinquency.\n\n\nFair Credit Reporting Act (FCRA) obligations requiring maximum possible accuracy (15 U.S.C.  1681e(b)).\n\n\nTherefore, the late payment entries are materially inaccurate and must be removed from my credit report without delay.\nI demand the following:\n\n\nImmediate reinvestigation of the disputed late payment entries.\n\n\nDeletion of all late payments associated with this account because the creditor violated federal billing requirements.\n\n\nWritten confirmation from your bureau once the corrections have been completed.'

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 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This is the response I received from Chase today : PLEASE BE ADVISED THAT WE HAVE TRIED TO CONTACT CREDIT PARTY ON SEVERAL OCCASSIONS REQUESTING RETURN OF FUNDS. AS OF TODAY WE HAVE NOT RECEIVED ANY RESPONSE. WE REQUEST YOU TO PLEASE ATTEMPT RECOVERING FUNDS THROUGH LEGAL MEANS. IN THE EVENT THEY SUBSEQUENTLY CONTACT US, WE WILL ADVISE YOU ACCORDINGLY This is not in alignment with the recipient bank 's response ( attached to this complaint ) that they had already received the request and responded, asking for a hold harmless agreement. I called Chase multiple times to confirm, and they kept claiming that they never received a response from the recipient bank. So one of these two banks is lying about their communication, and I have been going back and forth between the two banks that both argue they are waiting on the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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 just checked my credit report again and these inaccurate accounts are still showing up. They were not removed at all and I am honestly exhausted from dealing with this. I am begging that the documents I attached be reviewed carefully so I can finally stop stressing over this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
I am submitting this complaint regarding multiple unauthorized transactions on my Chime account. My account was compromised, and I immediately disputed the fraudulent charges with Chime. While some of the disputed transactions were approved and refunded, several others from the same merchant and the same incident were wrongfully denied.

Under the Electronic Funds Transfer Act ( Regulation E ), Chime is legally obligated to investigate all unauthorized electronic transactions and refund any transaction they can not prove I authorized. Approving some transactions but denying others from the same compromised source is inconsistent and violates federal law.

I have requested the full investigation report and supporting evidence for the denied transactions, but Chime has failed to provide sufficient documentation. This inconsistent handling of my claim has caused financial harm and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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 am extremely upset to see that these inaccurate accounts are still appearing on my credit report, and they were not taken out at all. This ongoing issue is overwhelming me and I am begging that the documents I attached be examined carefully so I can finally stop stressing over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, at XXXX XXXX, I used a drive-through ATM at Bank of America in XXXX XXXX XXXX XXXX, Florida, to deposit {$1200.00}. Twelve XXXX bills. After eating up all the bills, the ATM displayed an error and showed me a receipt with a phone number to discuss the transaction. ( This is not the first time it happened at this location, but it was a small amount of money last time, and I wasn't keeping track ). I called the number that night and they said there should be a temporary credit issued to me in two days. I called on XX/XX/XXXX, no money. Again, on the XXXX, they said it may take 41 days and whatnot. On XX/XX/XXXX, I went to the bank in person, got redirected to call and ask for a manager to escalate the issue. The manager on that call was extremely apathetic and tried to cut the call before I even opened my mouth. I had to fight for a chance to speak. Finally, on XX/XX/XXXX, they issued a temporary credit. On XX/XX/year>, they issued me a letter saying they couldn't find that money and are going to take back the temporary credit. Do they think I just have {$1200.00} to waste in this economy? Do they think I just decided to drive to the bank with psychic ability that theres gon na be an error that day so I can press the button that I need {$1200.00}? Where are the security cameras? The bank front desk person told me they check the ATM every day. They should know. How is that my liability when it's their ATM that has a problem? They ate them all. {$1200.00}. I didnt even have 1 bill processed.

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 2025-12-04 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-04 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: PA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: NV

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 USC 1666b, a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX XXXX XXXX-NEVER BEEN LATE You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and 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 2025-12-04 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: NV

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 USC 1666b, a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX XXXX XXXX-NEVER BEEN LATE You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and 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 explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WAFD BANK
State: TX

Complaint narrative:
WaFd Bank placed a fraud-related hold on my entire personal checking account on XX/XX/year>. The bank has refused to provide any explanation, required written notice, or timeline for resolution. I was not given a Regulation CC notice, any documentation describing the reason for the hold, or any communication from the XXXX  or XXXX  department. 

I have repeatedly contacted WaFd customer service and my branch, and attempted to reach the fraud/risk review team, but no one will provide information. My entire account remains frozen, preventing me from accessing my own funds and creating financial hardship. 

Before the hold was placed, I provided every document the bank requested, including EIN documentation, LLC formation paperwork, bank statements from my other institution XXXX XXXX XXXX XXXX Bank ), and the XXXX & XXXX branch managers contact information. I also provided the BOI ( Beneficial Ownership Information ) of the company issuing the checks as well as documentation proving the issuing company is legitimate and in good standing with the IRS. Despite all of this, WaFd still refuses to give me any explanation or required written notice. 

I am requesting the CFPB require WaFd Bank to ( 1 ) provide the legally required written hold notice, ( 2 ) explain the specific reason for the hold, ( 3 ) provide a timeline for the release of funds, and ( 4 ) confirm whether WaFd is complying with federal rules regarding account holds, freezes, and consumer disclosure requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am filing this complaint regarding multiple accounts reported by TransUnion that appear to contain inaccurate or outdated information, and I am requesting that the information be corrected under my rights provided by the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of all consumer-reporting data. The accounts in question include XXXX XXXX XXXX ( account ending XXXX, balance {$1300.00}, opened XX/XX/XXXX, last payment XX/XX/XXXX ) and multiple XXXXDepartment of Education accounts XXXX XXXX ( balance {$2100.00}, opened XX/XX/XXXX, last payment XX/XX/XXXX ), XXXX ( balance {$4700.00}, opened XX/XX/XXXX, last payment XX/XX/XXXX ), XXXX ( balance {$2200.00}, opened XX/XX/XXXX, last payment XX/XX/XXXX ), XXXX ( balance {$4900.00}, opened XX/XX/XXXX, last payment XX/XX/XXXX ), XXXX ( balance {$3800.00}, opened XX/XX/XXXX, last payment XX/XX/XXXX ), XXXX ( balance {$2300.00}, opened XX/XX/XXXX, last payment XX/XX/XXXX ), XXXX ( balance {$2100.00}, opened XX/XX/XXXX, last payment XX/XX/XXXX ), and XXXX ( balance {$5900.00}, opened XX/XX/XXXX, last payment XX/XX/XXXX ). Based on the information available to me, the dates, balances, or payment histories reported appear inconsistent or may not reflect the most current or accurate information, and under FCRA 1681i ( a ), TransUnion is required to conduct a reasonable reinvestigation to verify and correct any inaccuracies.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

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