vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NJ

Complaint narrative:
Multiple accounts are showing on my credit report under my name that I never opened, authorized, or managed. I did not consent to these accounts being created or reported, and their presence is producing an inaccurate and misleading record of my financial history. This is unacceptable and has caused me significant concern about the integrity of my credit file.

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 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a complaint against Chase Bank for over {$900.00} in overdraft fees that accumulated between XX/XX/year> and XX/XX/year>. 

I contacted XXXX multiple times by phone and in person to resolve the issue. A XXXX representative specifically told me that if we brought the account current, the bank would reverse the overdraft fees. We followed those instructions in good faith and paid the balance, but XXXX failed to honor their promise. 

After months of being given inconsistent information and no help, we closed our accounts out of frustration. Now XXXX claims they can not reverse the fees because the account is closed, even though we tried to resolve this while it was active and were misled by their representative. 

This feels deceptive and financially exploitative. I am requesting that XXXX review the situation and issue a refund of the overdraft fees as originally promised. We can provide approximate dates and branch location information where these conversations occurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Subject : Formal Re-Dispute and Demand for Removal of Unverified and Reinserted Information under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally re-dispute information on my credit report and to request that your agency comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) regarding the accuracy, verification, and reinsertion of disputed items.

Over the past several months, I have submitted multiple disputes regarding inaccurate or unverifiable information appearing on my credit report. While I have received Closed with explanation responses, I have not received any actual proof of verification or clear explanation addressing my concerns. Furthermore : My credit score has continued to decline even though all of my payment history is positive or neutral. 

A XXXX inquiry that was previously deleted has been reinserted without notice or documentation of permissible purpose. 

Your bureau has claimed to have mailed results that I never received, and no supporting evidence or verification documents were provided. 

Some explanations referenced potential identity theft, which is inaccurate I have confirmed that no fraudulent activity has occurred. 

Under the FCRA : If an item can not be verified, it must be deleted or corrected ( FCRA 611 ( a ) ( 5 ) ).

If deleted information is reinserted, you must provide written notice within XXXX business days identifying the source ( FCRA 611 ( a ) ( 5 ) ( B ) ). 

I also have the right to request the method of verification used to confirm disputed information ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ).

Accordingly, I am demanding the following actions : Immediate deletion of any unverifiable or reinserted items, including the previously deleted XXXX  inquiry. 

A complete reinvestigation of all disputed items with documentation from the original source confirming accuracy and permissible purpose. 

Written confirmation once the reinvestigation is complete, including copies of verification materials used in the process. 

Removal of any unverifiable personal information ( addresses, names, or accounts ) still being reported inaccurately. 

If your bureau can not verify the accuracy of these items through documentation within the time required by law ( generally XXXX  days ), they must be deleted immediately as required by federal law. 

Thank you for your attention and prompt compliance. Please send a written response to my mailing address listed above. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Subject : Formal Re-Dispute and Demand for Removal of Unverified and Reinserted Information under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally re-dispute information on my credit report and to request that your agency comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) regarding the accuracy, verification, and reinsertion of disputed items.

Over the past several months, I have submitted multiple disputes regarding inaccurate or unverifiable information appearing on my credit report. While I have received Closed with explanation responses, I have not received any actual proof of verification or clear explanation addressing my concerns. Furthermore : My credit score has continued to decline even though all of my payment history is positive or neutral. 

A XXXX inquiry that was previously deleted has been reinserted without notice or documentation of permissible purpose. 

Your bureau has claimed to have mailed results that I never received, and no supporting evidence or verification documents were provided. 

Some explanations referenced potential identity theft, which is inaccurate I have confirmed that no fraudulent activity has occurred. 

Under the FCRA : If an item can not be verified, it must be deleted or corrected ( FCRA 611 ( a ) ( 5 ) ).

If deleted information is reinserted, you must provide written notice within XXXX business days identifying the source ( FCRA 611 ( a ) ( 5 ) ( B ) ). 

I also have the right to request the method of verification used to confirm disputed information ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ).

Accordingly, I am demanding the following actions : Immediate deletion of any unverifiable or reinserted items, including the previously deleted XXXX  inquiry. 

A complete reinvestigation of all disputed items with documentation from the original source confirming accuracy and permissible purpose. 

Written confirmation once the reinvestigation is complete, including copies of verification materials used in the process. 

Removal of any unverifiable personal information ( addresses, names, or accounts ) still being reported inaccurately. 

If your bureau can not verify the accuracy of these items through documentation within the time required by law ( generally XXXX  days ), they must be deleted immediately as required by federal law. 

Thank you for your attention and prompt compliance. Please send a written response to my mailing address listed above. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this written rebuttal to Toyota Motor Credit Corporations response to my original CFPB complaint regarding inaccurate and misleading credit reporting. Toyota Motor Credit Corporations statement is incomplete, inaccurate, and non-compliant with the Fair Credit Reporting Act ( FCRA ). Their own narrative confirms multiple inconsistencies and failures to properly validate the alleged debt. After reviewing both the creditors response and my current credit report, I previously reported that my personal data was exposed in the XXXX XXXX data breach, which makes this account subject to further review for identity compromise. Toyotas response completely dismissed this without any substantiating documentation or law-enforcement verification request. I have found several clear inconsistencies that make the information inaccurate and misleading in violation of the Fair Credit Reporting Act ( FCRA 623 ). 1. Status Conflict The account is reported as both Collection and Charge-Off. It can not be both. Reporting these two statuses together is misleading. 2. Incorrect Monthly Payment The monthly payment is listed as {$0.00}. According to the contract, the agreed payment was {$590.00} per month. Reporting {$0.00} is inaccurate. 3. Inconsistent Last Payment Date The credit report shows a last payment date of XX/XX/XXXX, while Toyotas own records state the account was delinquent and charged off back in XXXX. This conflict calls the accuracy of the reporting into question. 4. Charge-Off and Deficiency Balance Double Reporting The account was charged off in XX/XX/XXXX, but later repossessed and sold in XX/XX/XXXX, resulting in a deficiency balance. Reporting both the charge-off and the deficiency balance inflates derogatory impact and is misleading to future creditors. Under the FCRA, consumer reporting agencies are required to ensure information is accurate, complete, and not misleading. Because this account contains multiple inaccuracies, I am demanding that this account be * * immediately deleted * * from my credit profile. If you can not verify with complete documentation that every detail is 100 % accurate, then by law the account must be removed. Please reinvestigate this matter and provide me with the results of your investigation, including the method of verification you used, within 30 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: MIDFIRST BANK
State: AL

Complaint narrative:
The representative was rude and no helpful. I need proof of payment for my lawyer office and unable to rain the information. The company told my lawyer that my payments have not been received and I have proof from the bank.

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 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TX

Complaint narrative:
Saturday, XX/XX/XXXX XXXX - I was sent {$470.00} to purchase XXXX hotel rooms for myself and another judge Saturday, XX/XX/XXXX XXXX - I tried to transfer the funds and my account was locked for no reason. 

Saturday, XX/XX/XXXX XXXX - I tried to withdraw the funds again and it kept failing. I called and was told that due to increased security measures, they locked my account but once the investigation is complete within XXXX, the funds will be available to transfer. 

Sunday, XX/XX/XXXX XXXX - XXXX tried to withdraw after XXXX and it failed. 

MONDAY, XX/XX/XXXX XXXX - I called again because its past XXXX to transfer my money. They said to wait until XXXX the next day!!! So not only was it past XXXX but they want me wait XXXX hours!!! That is ridiculous! I asked who do I talk to if I cant get my money today and they said there is no one I can talk to because the managers dont have phones. Its email only! Im canceling my account because this is so XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TN

Complaint narrative:
I am submitting this complaint regarding two accounts on my credit report that are inaccurately showing late payments. According to Experian 's records, both accounts have multiple late payments reported, which is completely false. All of these payments were made on time, yet the inaccurate information continues to appear on my report, unfairly damaging my credit standing and reputation.

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 2025-10-27 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to formally dispute a hard inquiry listed on my credit report from your organization. I did not authorize a credit application or XXXX permission for your company JP Morgan to access my credit report on XX/XX/year> & XX/XX/year>. I request that you provide documentation of my authorization for this inquiry. If no such documentation exists, I respectfully request that this inquiry be removed from my credit file immediately in accordance with the Fair Credit Reporting Act ( FCRA ). Please send your response and any supporting documents to my address listed below. If this inquiry was made in error or fraudulently, I expect it to be deleted promptly. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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:
These accounts are fraudulent and not associated with me in any form. I request their prompt removal and ask that a thorough investigation be conducted. Enclosed are supporting materials.

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 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: FL

Complaint narrative:
Kraken is not allowing me to withdraw my funds. I have waited an unreasonable amount of time and they just keep telling me to be patient. It has now been XXXX XXXX. I have screenshots of the chats.

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 2025-10-28 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: WA

Complaint narrative:
I discovered that several unauthorized credit accounts were reported under my name without my knowledge or written consent. These accounts include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not open, authorize, or give written consent for any of these accounts to be established or reported. After discovering these accounts on my credit reports, I sent written dispute letters to all three credit bureaus TransUnion, Experian, and Equifax pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Today XX/XX/XXXX, I tried to access my Barclay XXXX Mastercard account. I received an error message saying to call a phone number. Calling the number, I was informed that my card was cancelled. I had significant point value on this card and was unaware of the cancellation or the elimination of my points. The company indicated that they closed my account in XX/XX/XXXX. I don't have access to the amount of points that were eliminated, but they were significant. The Barclay team did not provide any resolution.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally address the ongoing issue regarding the inaccurate late payment reported on my account, which began in XX/XX/XXXX, reflecting a 60-day delinquency. This erroneous entry has adversely affected my credit history, and despite four prior disputes, the matter remains unresolved. You have failed to provide details I requested on XX/XX/XXXX ; violating my rights under section 611 of the FCRA. I have attached this communication. Your receipt of this letter is clear as I have also provided your most recent " verification '' ; which wasn't thorough. This inaccuracy misrepresents my creditworthiness and constitutes a violation of my rights under fair credit reporting laws.

Furthermore, I recently had a job offer rescinded due to the presence of this misinformation on my credit report, resulting in significant financial repercussions. It is unacceptable that, despite my repeated attempts to rectify this situation, you have failed to conduct a thorough investigation. Your negligence in handling this account has infringed upon my rights. 

I am no longer willing to endure the investigation phase. I hereby demand the immediate deletion of the following account from my records : XXXX XXXX XXXX. 
Account No : XXXX XXXX  I expect prompt action on this matter and a written confirmation of the deletion as well as an updated credit report. Thank you for your immediate attention to this urgent request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MA

Complaint narrative:
XXXX or XXXX of 2020 Chime closed my Bank account and I never received my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are late payment records on my credit report that I believe are incorrect. According to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, credit reports must include only information that is accurate, complete, and verifiable. I am requesting a review of these reported late payments, and if verification can not be provided, they should be updated or deleted accordingly.

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