vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I visited my local Chase branch in XXXX XXXX, NY ( XXXX ) and deposited {$2100.00} into my savings account using the ATM. The machine accepted the full amount, and I received a confirmation screen verifying the deposit. 

Shortly after, I transferred the {$2100.00} from my savings account to my checking account using the Chase mobile app. I then used XXXX to send the funds to my wife, who confirmed receipt of the full amount in her account. 

However, on XX/XX/XXXX, I discovered that Chase had closed my savings account and withdrew {$2100.00} from my checking account, resulting in a negative balance and an overdraft fee.

I immediately contacted Chase and have since made multiple phone calls and in-person visits to resolve this matter. I have repeatedly been told that the original deposit was not processed due to the closure of my savings account. However, my transaction history clearly shows : The ATM deposit of {$2100.00} into my savings account The transfer of those funds to my checking account The XXXX payment to my wife, who confirmed receiving the full amount This situation has created significant financial hardship, as I have been unable to deposit or access my work checks due to the resulting account issues. 

I am requesting a full investigation and prompt resolution of this matter, including the reversal of the {$2100.00} withdrawal from my checking account and the removal of the overdraft fee. I would appreciate a written response detailing the steps being taken to correct this error. 

Thank you for your urgent attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
I received an email stating that on or about XX/XX/year> chime will close my account. Ive called chime multiple times to ask why, as I havent done anything to go against chimes banking policies. Each time I was told that they dont know the reason and only that the banking system decided to close the account. Even though Ive been a customer for years. Have direct deposit through my job and also have a chime credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NM

Complaint narrative:
I just recently paid off any past due balance on my student loans in XXXX after this whole mess with the government coming after borrowers. I couldnt even register for an account before the deadline because the website never works and because if you try and call, youre on hold for hours every time. I just got a new notification about some of my loans being reported for late payments. It says I am late for a payment from XXXX and/or XXXX of this year on these accounts. I just paid anything late off and the only balance now showing in my loans is not due until the XXXX of XXXX  XXXX. So, nothing should be late. I went and paid this balance now just in case, but this is illegal. They reported late payments that I have already paid and reported payments that are not even due yet, so not late. This is ridiculous. They have already devastated my credit report and made it harder for me to pay other bills because they keep reporting more and demanding more money.

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 2025-06-02 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: NM

Complaint narrative:
I just recently paid off any past due balance on my student loans in XXXX after this whole mess with the government coming after borrowers. I couldnt even register for an account before the deadline because the website never works and because if you try and call, youre on hold for hours every time. I just got a new notification about some of my loans being reported for late payments. It says I am late for a payment from XXXX and/or XXXX of this year on these accounts. I just paid anything late off and the only balance now showing in my loans is not due until the XXXX of XXXX XXXX So, nothing should be late. I went and paid this balance now just in case, but this is illegal. They reported late payments that I have already paid and reported payments that are not even due yet, so not late. This is ridiculous. They have already devastated my credit report and made it harder for me to pay other bills because they keep reporting more and demanding more money.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I just recently paid off any past due balance on my student loans in XXXX after this whole mess with the government coming after borrowers. I couldnt even register for an account before the deadline because the website never works and because if you try and call, youre on hold for hours every time. I just got a new notification about some of my loans being reported for late payments. It says I am late for a payment from XXXX and/or XXXX of this year on these accounts. I just paid anything late off and the only balance now showing in my loans is not due until the XXXX of XXXX XXXX. So, nothing should be late. I went and paid this balance now just in case, but this is illegal. They reported late payments that I have already paid and reported payments that are not even due yet, so not late. This is ridiculous. They have already devastated my credit report and made it harder for me to pay other bills because they keep reporting more and demanding more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My Apple Card, issued by Goldman Sachs, was closed without warning or a specific explanation. I contacted both XXXX XXXX and Goldman Sachs support multiple times between late XXXX and early XX/XX/2025. I was told only that there was a failure to comply with the terms of the Customer Agreement. 

I have maintained a strong payment history, never missed a payment, and have never been told I violated any terms. When I asked what specific part of the agreement I violated, no one could give me an answer. I requested escalation, clarification, and whether there was any appeal or reinstatement process, and I was again told only that the account was closed for non-compliance with no further detail. 

This lack of transparency is unfair and has left me with no ability to understand or correct the issue. I am asking for a formal review and a full explanation of the reason for closure, including what clause or term I violated, and whether my account can be reopened or appealed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is my follow-up regarding two inaccurate accounts still being reported by TransUnionXXXX XXXXXXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ) Ive raised serious concerns about these accounts before, yet TransUnion continues to report them without my permission or written consent, which violates 15 U.S.C. 1681b ( 2 ). I submitted identity theft documentation and supporting evidence, but TransUnion has failed to provide any proof of how these accounts were verified, as required under 15 U.S.C. 1681i ( a ) ( 7 ). No signed agreement with my name exists, and these accounts fall under the exclusions listed in 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ). Their continued presence is doing real harm. My credit score has dropped, I was denied a personal loan, and Im being charged high interest rates because of accounts that dont belong to me. This isnt just an errorits willful non-compliance, and under 15 U.S.C. 1681n, TransUnion is responsible for {$1000.00} per violation. This has caused unnecessary stress and financial hardship, and I will not tolerate further delay. I want these accounts gone and answers about how they were allowed on my report in the first place.

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 2025-06-02 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: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I received a marketing mailer in which capital one refuses to believe I received the mail to my address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I no longer have the mail because I threw it away, but it offered me a 0 % introductory rate for 15 months. I did not get honored that rate. I feel like the practice that capital one is using to market is manipulative. 

I have since contacted them to see if they would honor the terms and they would not. I asked them to remove the finance charges so it can give me time to pay for them and they would not. I told them that I was having a financial hardship and they did not offer to help me in any sort of way

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX. 

Consumer XXXX : XXXX Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : FRAUDULENT ACCOUNTS : XXXX XXXXXXXX ; UNDER ACCOUNT NUMBER : XXXX ; OPENED ON XX/XX/XXXX * XXXX XXXX; UNDER ACCOUNT NUMBER : XXXX ; OPENED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ; UNDER ACCOUNT NUMBER : XXXX ; OPENED ON XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ; OPENED ON XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ; OPENED ON XX/XX/XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: PA

Complaint narrative:
subject : Request for Removal of Inaccurate Late Payments Due to Servicing Error To Whom It May Concern, I am writing to formally dispute the appearance of multiple XXXX day late payments recently reported on my student loan account serviced by MOHELA XXXX These derogatory marks showed up on my credit report in the last XXXX months, despite the fact that I have not been enrolled in college since XXXX and have not had any new activity that would justify this reporting. 

I was never notified of any delinquency or late status on my account at the time these alleged missed payments occurred. I discovered these entries only after checking my credit report and seeing a sudden drop in my credit score. This is especially concerning given that I was never sent a proper bill or alert before these payments were marked late a failure that has recently been reported as part of MOHELAs widespread servicing issues currently under investigation. 

It is well documented that in late XXXX, MOHELA failed to send timely billing statements to over XXXX XXXX borrowers, resulting in over XXXX missed payments despite borrowers acting in good faith. I believe I am among those affected. 


The reporting of these erroneous late payments has severely affected my financial standing. I have experienced denials on credit applications, reduced credit limits, and increased interest rates. These consequences are unjust given that the missed payments were a result of systemic servicing issues beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I can open no bank account an if I do open one they close it after because of XXXX 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 2025-06-02 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: GA

Complaint narrative:
Due to unauthorized activity stemming from a data breach, fraudulent accounts now appear on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX UNION XXXX XXXX XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$61000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$62000.00} XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} Inquiries XXXX Date : XX/XX/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