vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: MD

Complaint narrative:
In XXXX, I opened a Chase Secure Checking account online. Before I ever had access, my personal email and mailing address were fraudulently changed to a Florida address, and my debit card was sent there without my authorization. Someone in Florida deposited checks in my name and withdrew funds from the account. 

Believing that a {$1000.00} deposit might relate to an old Chase student loan or previous Chase accounts, I withdrew that amount after contacting Chase representatives, who told me the funds were available. After withdrawing the {$1000.00}, I saw the check images from the deposits and it became clear that my signature had been forged on a check issued to someone in Maryland. I also have the email and address of the scammers from the intercepted account profile.

I reported the fraud to Chase immediately. Chase initially reversed the fraudulent transactions. Despite this, Chase later contacted me claiming my account was overdrawn by {$6400.00} and holding me responsible for transactions I did not authorize. Chase failed to deliver justice from my fraud claim and caused emotional distress, financial hardship, and damage to my financial reputation, including potential negative impacts on my credit.

I request a full investigation into how this Secure Checking account was fraudulently accessed and altered before I had control, reversal of the negative balance, correction of any credit reporting, and compensation for the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Re : Identity Theft Dispute Request for Removal of Fraudulent Accounts Under 15 U.S.C. 1681c-2 Dear Consumer Reporting Agency, I am writing to formally dispute the presence of multiple fraudulent accounts listed on my credit report. I am a confirmed victim of identity theft, and as a result, several accounts were opened in my name without my knowledge or authorization. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am requesting the immediate and permanent removal of all information related to the fraudulent accounts listed below. The FCRA requires that such information be blocked within four ( 4 ) business days after receiving proper documentation.

The accounts I am disputing are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX These accounts were not authorized by me and are the result of identity theft. I have enclosed all necessary documentation to support my claim and verify my identity.

Enclosed Documents : 1. A copy of my government-issued photo identification 2. A copy of the Identity Theft Report filed with the FTC ( Report No. XXXX ) 3. Documentation related to the XXXX XXXX data breach 4. A list of other fraudulent inquiries, if applicable Requested Actions : 1. Permanently block and remove the above-referenced fraudulent accounts from my credit report.

2. Confirm in writing that the accounts have been removed and will not be reinserted unless verified as accurate.

3. Cease reporting these accounts to any other credit reporting agencies.

If you fail to comply with this request, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek all remedies available to me under federal law.

Please send all future communications to the contact information listed above.

Thank you for your prompt attention to this matter. 

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 2025-08-21 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I made a payment for my credit card for {$330.00} on XX/XX/year> I tried using my credit card at a restaurant and it was denied. I called the credit company concora credit and they told me I have to wait for the funds to be verified and I will be able to use the credit on XX/XX/year>. I asked why the funds are being verified if they already took the money out of my bank and the employee didn't know how to answer and I asked for a supervisor and when I got a supervisor on the line he also didn't know how to answer. Before I paid off the credit the employee told me I could use the credit immediately.it was over 48 hours before I tried using it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: PA

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Disputed Account Information Account Name : XXXX XXXX Account Number : XXXX Account Balance : {$2300.00} Open Date : XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$260.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$600.00} XXXX late payment 30 day XXXX XXXX XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$6700.00} XXXX 30 day late payment

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 2025-08-21 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'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Disputed Account Information Account Name : XXXX XXXX Account Number : XXXX Account Balance : {$2300.00} Open Date : XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$260.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$600.00} XXXX late payment 30 day XXXX XXXX XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$6700.00} XXXX 30 day late payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Disputing {$4700.00} worth of charges sent to a XXXX XXXX. The man clearly engaged in fraud. Took out multiple loans he never paid back. Went through my phone and black mailed me. {$400.00} on XX/XX/2025. {$800.00} on XX/XX/2025. Then {$1500.00} on XX/XX/2025. Then {$2000.00} on XX/XX/2025. He has a history of having multiple XXXX, XXXX, and XXXX accounts, and because he was a friend, I never knew. 

However, Chase bank is refusing to investigate or even attempt recovery. I was refused an appeal process. After requesting an accommodation for auditory processing and other disabilities I have as an XXXX  person, hours later, I was given a denial letter hours later. I repeatedly asked they cite statute, caselaw, something from the code of federal regulations, or the deposit contract with the verbiage that they claim gives them this right. Under general tort, if nothing else, the bank has a duty to at least ATTEMPT recovery and perform an investigation. 

The bank has instead opted to simply no do its job or provide the most basic elements of its job. Having worked for the Federal Reserve, we have known about Chase 's systemic illegal conduct here. As a regulator, I saw it all the time. And now as a consumer, they are doing it YET AGAIN.

I ask that the CFPB please do its job, remind big banks that they are not above the law.

AMERICANS WITH DISABILITIES ACT NOTICE : I only respond to emails. You may email me, I do not accept phone calls or voicemails, given my XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX SSN XXXX DOB : XX/XX/XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Complaint Against Equifax for Failure to Properly Investigate Disputed Items ( FCRA 611 Violation ) To Whom It May Concern, I am submitting this complaint regarding Equifax and their failure to properly investigate and correct inaccurate, incomplete, and unverifiable information on my credit report. 
On XX/XX/XXXX, I mailed a formal dispute letter to Equifax ( see attached ) regarding multiple inaccurate accounts, unauthorized inquiries, and personal information errors. Despite providing sufficient information to initiate an investigation, Equifax failed to : 1. Provide proof of proper reinvestigation within the 30-day timeframe, 2. Provide the required " method of verification '' under FCRA 611, and 3. Remove or correct information that can not be verified.

The disputed items include but are not limited to : - Inaccurate accounts ( XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) . 
- Unauthorized hard inquiries ( XXXX XXXX, XXXX XXXX XXXX ). 
- Incorrect personal information ( wrong names and outdated addresses ). 
By law, Equifax is required to delete or correct unverifiable data. Their failure to do so has caused harm to my creditworthiness and access to fair lending. 
I request that the CFPB compel Equifax to fully comply with the Fair Credit Reporting Act by : - Deleting unverifiable accounts and inquiries, - Correcting inaccurate personal information, and - Providing a complete written explanation of the verification process used.

Attached : - Original dispute letter to Equifax - Proof of mailing and/or response from Equifax - Copy of credit report showing inaccurate items Thank you for your assistance in resolving this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: OH

Complaint narrative:
Took out a loan for {$1500.00} on XX/XX/XXXX. Tried to schedule payoff on the loan on XX/XX/XXXX. No access was allowed online, no way to reset or change password, no disclosures provided, nobody answers the customer service line or email line. Ive accrued interest daily and the disclosures dont seem legit as well

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 2025-08-21 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:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have noticed that an incorrect public record/bankruptcy is still being reported on my credit file and has not yet been removed. Given this situation, I kindly ask that the attached supporting documents be carefully reviewed so that the matter can be fully resolved and I can have peace of mind going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo denied my application for a APS loan with 0 present interest for 21 months. But I have 2 Wells Fargo credit cards 1 with a {$11000.00} limit and the other with a {$22000.00} limit I owe Nothing on because I pay in Full each month.Never paid 1 cent in interest ever.

All I want is APS credit card that Doesnt charge interest very month so I can pay for my Catoracts over time.

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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/year> around XXXX at the ATM for Capitol One at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX around XXXX dollars was put into the atm to deposit an error has flashed and the ATM ate the money without depositing. A claim was filed yet the time they said it could take up to 45 days to fix. This was all the cash I had and will possibly cause default on bills and groceries. This is financially and emotionally devastating

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
On XX/XX/XXXX, I attempted a transaction for {$600.00} using my Charles Schwab checking debit card. The transaction was flagged as suspicious. I approved the transaction via text message, then again by calling their automated system. Subsequent transactions were denied. I called customer service and they asked a series of " public information '' questions to verify my identity. These questions contained inaccurate data from a third party, and as a result, I did not give the answers they were looking for. 

Afterwards, the bank locked my account and will not give me access to my funds. They are telling me I need to physically go in person to a local branch ( impossible because I am out of the US ) or pay to have an authorization letter notarized and mailed to the bank at my expense in order to unlock my account. Until it's unlocked, they are holding my funds captive and will not allow me access to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
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 2025-08-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
I contacted square and requested my account be closed and my {$130.00} be issued to my linked bank account on the square app on XX/XX/XXXX they submitted the transfer however I received a email from square stating that I won't receive the {$130.00} until XX/XX/XXXX and further closed my account square is violating they should not hold on to my {$130.00} for 90 days it's very wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-22 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:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: NY

Complaint narrative:
I am submitting this formal complaint against TransUnion for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing TransUnion with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX  XXXX and XXXX XXXX XXXX, which the banks confirmed would be removed but remains on my report ; All of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. TransUnions refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm.

For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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