vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: OR

Complaint narrative:
On XX/XX/year>, I initiated a complaint with Chase Bank regarding a {$500.00} withdrawal from my Checking account. Upon filing a previous claim on XX/XX/year> regarding an initial deposit to a merchant by the name of XXXX XXXX XXXX. When I described my issue to Chase Bank, I informed them I contacted the company ( XXXX XXXX  ) on XX/XX/year>, to inform them know I wanted my deposit back as the apartment we were interested in was not only in very bad shape, the garbage in the basement had not been removed for XXXX months. On top of that, a tenant confided to my wife and I homeless people take residency in the basement on a regular basis, and XXXX XXXX fails to address the issue ( XXXX ). These were XXXX major red flags we deemed deal breakers for moving into the apartment. When I mentioned this to Chase Bank, they rewarded me my deposit back only to take the side of the said merchant and withdrew my {$500.00} in XX/XX/year>. I would like to receive my {$500.00} deposit back since Chase Bank initially rewarded it to me. I feel Chase Claims Department did not perform their due diligence by assessing all the facts related to my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A fraudulent and unauthorized account has been reported under my name. I have never opened such an account, and I strongly believe my identity was misused without my consent. This false information does not reflect any legitimate financial behavior and is having a negative effect on my credit and overall financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This morning, I was extremely frustrated to find an unauthorized inquiry on my credit report, and I have no idea how it got there. I checked my report just like I always do, and out of nowhere, this issue popped up. I even refreshed my browser hoping it was a glitch, but nothing changed. I urgently need the documents I submitted to be thoroughly reviewed to ensure I never have to stress over this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
I am filing this complaint to report inaccurate late payment reporting associated with my XXXX  student loan accounts serviced by XXXX XXXX. These accounts are open and currently in active XXXX status, yet are being reported with XXXX, XXXX, and XXXX late payments on my credit reports with Experian, Equifax, and TransUnion XXXX 

These late payments are being reported during periods where no payments were required under federally mandated XXXX relief programs, including the XXXX XXXX ( XXXX XXXX XXXX, Section XXXX ), or while my loans were in an official administrative XXXX  status. XXXX XXXX XXXX XXXXXXXX guidance explicitly prohibits furnishers from reporting late payments during these suspension periods. 

Additionally, my loan servicer failed to provide proper notification or opportunity to cure any alleged delinquency, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ) ( A ) and servicer guidelines enforced by XXXX XXXX XXXX XXXX . 

These inaccuracies are materially harming my credit profile and misrepresenting my financial obligations. Under FCRA XXXX ( b ), consumer reporting agencies are required to follow procedures to ensure maximum possible accuracy. XXXX XXXX XXXX XXXX XXXX, student loans in XXXX  or XXXX must be reported with a Current status code ( XXXX ), not as XXXX  or past due. The current reporting is in violation of these requirements. 

I have formally disputed these inaccuracies with the credit bureaus and the servicer, requesting : Deletion of the inaccurate late payment notations. 

An update reflecting a XXXX, XXXX as XXXX XXXX payment history. 
However, no corrective action has been taken.

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 2025-08-06 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-06 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: TX

Complaint narrative:
b'Dear CFPBXXXXI hope this message finds you well. XXXXI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.XXXXAs per the provisions outlined in the Fair Credit Reporting Act, particularly under XXXX  U.S.C.  XXXX, it is established that individuals possess a fundamental right to privacy. Furthermore, XXXX  U.S.C.  XXXX, Section XXXX(a)(XXXX) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.XXXXIn light of these regulations, I must highlight that XXXX XXXX (Account XXXX XXXX), XXXX (Account XXXX XXXX), XXXX  XXXX (Account XXXX XXXX) has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer informationXXXXI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forwardXXXXThank you for your attention to this matter. I look forward to your prompt response.XXXXXXXXSincerely,  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-06 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: NY

Complaint narrative:
I am writing to formally dispute the reporting of the following account on my credit report : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> This account is inaccurate and therefore it must be removed from my credit file in compliance with the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681i ( Section 611 of the FCRA ), I am requesting that your bureau conduct a thorough reinvestigation of this account. If the furnisher of this information can not verify its accuracy with proper documentation, you are required by law to delete this account from my credit 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 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: WA

Complaint narrative:
My XXXX  XXXX account with PNC Bank was suddenly closed without any prior notice, written communication, or explanation. At the time, the account had a negative balance, but I immediately deposited a money order to fully cover the overdraft. 

Despite resolving the negative balance, PNC still closed the account without informing me. I only discovered the closure when I tried to access my account and was locked out. No notice was sent via email, mail, or in-app messaging. 

This unexpected closure has severely impacted my business operations. I was given no opportunity to correct any issue or respond to any concern prior to the closure. 

I am requesting that PNC Bank : XXXX. Provide a detailed explanation for the account closure. 
XXXX. Reopen my account or provide a pathway to resolve the issue and reinstate it. 
XXXX. Ensure the return or availability of any remaining funds without delay. 

It is unacceptable for a bank to close a XXXX account with no communication, especially after I took action to bring the account into good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: WV

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX  XXXX XXXX  XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
This complaint concerns a late payment that I believe was wrongfully reported on my credit report. I have reviewed my payment history thoroughly and found no indication that I missed or delayed any payments during the time in question. I take my credit responsibilities seriously, and it is distressing to see an inaccurate entry that misrepresents my financial behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
These were not scheduled and XXXX be missing proper clearance. Check the attached documentation.

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 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I called XXXX XXXX on XX/XX/year> to close my account since I never use this credit card. I requested my annual fee be refunded to me via check. They refunded me my annual fee and my monthly fee. 

When I called on XX/XX/year> to see why I had a credit on my account for the annual fee on a card I can no longer use, they said that I never requested the refund be sent to me as a check. They also said that the monthly fee was not on my account and could not be refunded like my annual fee. The check will not get to me for XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MN

Complaint narrative:
It is incredibly disheartening to know that my rights as a consumer are being violated. Like anyone else, I value my XXXX XXXX, and the inaccuracies on my credit report have had a damaging impact, not only on my financial opportunities but also on my XXXXXXXX XXXX Despite my repeated efforts to resolve these issues, my requests continue to be ignored or disregarded.

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 2025-08-06 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: NY

Complaint narrative:
XXXX XXXX I am writing to formally dispute the reporting of the following account on my credit report : Creditor Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> This account is inaccurate and therefore it must be removed from my credit file in compliance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 U.S.C. 1681i ( Section 611 of the FCRA ), I am requesting that your bureau conduct a thorough reinvestigation of this account. If the furnisher of this information can not verify its accuracy with proper documentation, you are required by law to delete this account from my credit 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 2025-08-06 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: NC

Complaint narrative:
This account was originally opened in XX/XX/XXXX and should have been closed when I relocated in XX/XX/XXXX. Despite this, multiple collection agencies continue to appear on my credit report in connection with this account. TransUnion is the bureau reporting the information. I have submitted several disputessome were resolved in my favor, while others were denied. However, I have not resided at the associated address since XX/XX/XXXX, and I do not owe any outstanding balance. It has now been over XXXX years, and this account is still inaccurately being reported on 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 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-06 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: OH

Complaint narrative:
Dear XXXX  I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: Army and Air Force Exchange Service
State: NH

Complaint narrative:
I had an old XXXX XXXX card with XXXX that went delinquent in XXXX. It was placed into collections in XXXX and I paid the full balance in XX/XX/XXXX to make the account a {$0.00} balance. My XXXX credit information is not complete and correct on all XXXX credit reporting agencies. I have disputed the information numerous times with the CRAs with no resolution and the results come back within a day with no serious investigation or confirmation of correct information. They are all missing the Date of First Delinquency as well as not showing Accurate and complete historical monthly statuses. When placing my most recent dispute with XXXX  they updated the account information with further incorrect information and now list the account in collections from XX/XX/XXXX to XX/XX/XXXX with a XXXX  designation for all of those months even though the account was paid in full XX/XX/XXXX. I have emailed XXXX multiple times at their credit dispute email and have not received a response. When calling the toll free number they are able to connect me with that department to resolve and offer no ability to resolve this issue. I requested my complete account information from the collections department and they advised that I have to pay for them to send the information and anything older than XXXX  years requires a court order. This stops me from being able to submit evidence to the 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 2025-08-06 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 reviewed my Experian credit report and discovered several fraudulent accounts that I did not authorize or open. These include accounts with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX. XXXX, XXXX, and XXXX. Additionally, my report shows addresses Ive never lived at and employers I never worked for. I have never applied for credit with these companies, and I did not consent to any of these accounts being opened or reported. This is a clear case of identity theft, and I am not responsible for these debts. My personal information was used without permission to obtain credit, and these entries are false, inaccurate, and causing harm to my financial standing. I am requesting that Experian immediately and permanently delete these accounts, addresses, and employer data under the Fair Credit Reporting Act and identity theft 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