vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for a Chase Sapphire XXXX credit card sometime in XXXX XXXX, which was approved. However, I was mailed a letter from Chase dated XX/XX/XXXX stating my credit card was being closed. The letter did not provide details for the account closure. 
My prior checking and savings account shut down I believed was due to me using a XXXX XXXX XXXX, like a XXXX XXXX  during my home build as we were staying in an XXXX and not wanting to miss any important mail. I could be wrong on that guess though. I never found out the actual reasoning. 

I did call Chase XXXX but after speaking with 4 reps I still didnt get a reason. I called and tried a day later in hopes that I would get some answers for this closure. I got a bunch of not sure and finally on the last rep call Rep was able to submit and Escalation Case directly with corporate and told me they would review and advise after review was completed. I followed up on the escalation case, and was advised to file another request for manual review for a new escalation review as there was no update on my current one, which I did request this in writing. I then received a response stating there was already an escalation so they closed the second request. A few days later I received a call from a Chase rep that stated there was nothing that could be done to avoid the account closure and that she had reviewed it and didnt find further info or any details. This rep stated corporate did not make the decision to close the account and she proceeded to tell me that there was a different Chase dept that submitted my account for closure however that she did not find any reason for it as usually account closures were due to fraud- which she clarified my account had XXXX mention of fraud or XXXX reasoning for the closure. Rep stated she was unable to provide me with info as she did not have any info nor could she reverse the account closure. When I asked if I needed to reapply, she stated that I had the option to reapply for the credit card but that there was no way to know if the closure would happen again. She mentioned that I could apply again. As of today I have not found any resolution nor any answers for my account closure. As a military wife and mother, this has been truly disappointing to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
This correspondence serves as my formal objection to the accounts listed. They were not created with my authorization and appear fraudulent. I request their deletion and a thorough investigation. Documentation is included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They, in fact, did not come from a 3rd party. I even called them to verify it was me and they still refused to process my disputes. I wasted time and money on mailing my disputes out. I sent personal information to verify my identity through mail just for them not to thoroughly investigate.

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 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They, in fact, did not come from a 3rd party. I even called them to verify it was me and they still refused to process my disputes. I wasted time and money on mailing my disputes out. I sent personal information to verify my identity through mail just for them not to thoroughly investigate.

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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I had American Express XXXXXXXX and Gold personal cards, which I NEVER missed any payments on. My salary increased from XXXX to XXXX ( XXXX base up to XXXX bonus ) after completing my XXXX XXXX XXXX XXXX When I entered my increased income, AmEx asked for my tax returns. My XXXX tax returns were delayed as our filing company was hacked, and I sent my XXXX tax returns instead. My XXXX tax returns showed a far lower income of XXXX ( I was XXXX XXXX XXXX  ). As a result, they closed my accounts on XX/XX/XXXX, and encouraged me to re-apply for the cards after I explained the situation about my XXXX XXXX XXXX XXXX XXXX 

I filed my XXXX tax returns, received my refund, and re-applied for new American Express XXXX and Gold personal cards as instructed. They were immediately approved ; however, they closed these cards again ANYWAY on XX/XX/XXXX. When I called to ask why, they EXPLAINED THE DECISION WAS MADE ON MY XXXX TAX RETURNS. 

I explained that my XXXX returns were filed showing a XXXX XXXX  of XXXX, and my new salary as of XX/XX/XXXX had increased to a base salary of XXXX -- and I could provide all of this information. THEY REFUSED TO ACCEPT OR CONSIDER THIS NEW INFORMATION AND CLOSED MY ACCOUNTS -- AGAIN. I sent a letter to the AmEx corporate office with my XXXX tax return, recent pay stub from XXXX XXXX, and an offer letter from XXXX XXXX. Despite this, they refused to reconsider. 

I have a great credit score, high salary, and have NEVER have missed a credit card payment in my life. Because of American Express, my record shows I've opened 4 total credit cards XXXX XXXX XXXX  and 2 golds ) in the last few months -- all of which were closed due to outdated information. 

I want American Express to re-open my accounts based on concrete evidence of my salary increase and my perfect record of paying my cards on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: CA

Complaint narrative:
I am a California resident who received two high-interest loans from Arrowhead Advance , which identifies as a tribal lender. 
First loan : {$1200.00} at approximately XXXX XXXX  XXXX Second loan : {$620.00} at approximately XXXX XXXX XXXX Total paid : {$9700.00} Total borrowed : {$1800.00} I have therefore paid approximately {$7800.00} more than the principal I borrowed. 

I was not aware that such high APRs were unlawful in California, and I recently learned that Arrowhead Advance does not have a valid California license to lend to state residents.

I believe these loans may violate the California Financing Law and request that the CFPB review XXXX XXXX practices, help stop any further collection activity, and assist me in obtaining a refund of the overpaid amount. 

i will be attaching payment records and loan agreements

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I dispute all XXXX Bank accounts reporting inaccurately across all three credit bureaus. This represents a severe mixed file situation with inconsistent, unverifiable data that clearly belongs to another consumer with a similar name. 

Experian reports account XXXX as closed with XXXX late payments and charge-off status. Equifax reports account XXXX with a {$26000.00} balance and only XXXX late payments but no charge-off notation. TransUnion reports account XXXX as charged off as bad debt but shows no payment history whatsoever. The different account numbers and completely inconsistent reporting across bureaus proves this data is fatally inaccurate and unreliable. 

This violates FCRA XXXX ( b ) requiring maximum possible accuracy as the data conflicts across all three bureaus. It violates FCRA XXXX as previous disputes have not resolved these glaring inconsistencies. The furnisher violates FCRA XXXX ( b ) by failing to conduct reasonable investigations and reporting contradictory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I dispute all XXXX Bank accounts reporting inaccurately across all three credit bureaus. This represents a severe mixed file situation with inconsistent, unverifiable data that clearly belongs to another consumer with a similar name. 

Experian reports account XXXX as closed with XXXX late payments and charge-off status. Equifax reports account XXXX with a {$26000.00} balance and only XXXX late payments but no charge-off notation. TransUnion reports account XXXX as charged off as bad debt but shows no payment history whatsoever. The different account numbers and completely inconsistent reporting across bureaus proves this data is fatally inaccurate and unreliable. 

This violates FCRA XXXX ( b ) requiring maximum possible accuracy as the data conflicts across all three bureaus. It violates FCRA XXXX as previous disputes have not resolved these glaring inconsistencies. The furnisher violates FCRA XXXX ( b ) by failing to conduct reasonable investigations and reporting contradictory information.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I dispute all XXXX Bank accounts reporting inaccurately across all three credit bureaus. This represents a severe mixed file situation with inconsistent, unverifiable data that clearly belongs to another consumer with a similar name. 

Experian reports account XXXX as closed with XXXX late payments and charge-off status. Equifax reports account XXXX with a {$26000.00} balance and only XXXX late payments but no charge-off notation. TransUnion reports account XXXX as charged off as bad debt but shows no payment history whatsoever. The different account numbers and completely inconsistent reporting across bureaus proves this data is fatally inaccurate and unreliable. 

This violates FCRA XXXX ( b ) requiring maximum possible accuracy as the data conflicts across all three bureaus. It violates FCRA XXXX as previous disputes have not resolved these glaring inconsistencies. The furnisher violates FCRA XXXX ( b ) by failing to conduct reasonable investigations and reporting contradictory information.

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 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
XX/XX/year> the day before XXXX, I called and told them that I surrender the car mp them ( voluntary repo ) because I was on XXXX and I could no longer afford the broke down car. The car was costing me at least XXXX a month to get something fixed on it for the last 6 months and I could not afford the payment and fixing it. So, they stated that they would pick it up on the following Monday. 
That monday the tow people called to get the location and they picked it up. I thought it was already, good but then a month later they called for another car payment. I explained the above and they stated t b at they refused the voluntary repo that they didnt want it because it would cost them to much money to pay for towing, storage fee then have it sent to the auction. So, I owed for the car payments. I told them that I called them snd they had it picked up and they stated that I had to pay the loan off or it was going to remain on my credit as a open auto loan. 
I am on XXXX and no one will give me another loan since that was was open so, I have been missing doctor appointments since then and this isnt right. Please help Their number is XXXX Btw : The credit bureaus will not remove it because they say it is nothing wrong with it..

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 2025-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Caine and Weiner Company INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX This company claims I owe a debt of XXXX to XXXX I never in my life had business with XXXX. I debt was added to my credit report on XX/XX/year>. This fraudulent account decreased my score by XXXX points. I believe an investigation should be performed on this company for fraudulent activities and/or identity theft. Thank you in advance for your timely response in taking action against this fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
I am filing this report because it is formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the fraudulent material are reporting in my credit file. There are several fraudulent inquiries are opened under my name without my knowledge and I am asking to block and delete these fraudulent inquiries because I have no knowledge about them. And also, TransUnion permenantly blocked accessing my online account without letting me know. I have sent all documentation they requested asking to remove any block or internal lock from my service.transunion.com online account but they stated that they never remove the block online account.

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 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: LA

Complaint narrative:
Global lending services has damaged all three of my credit reports with the information shared on my report. They are also reporting a {$7700.00} balance on all three of my reports. This has caused me to be denied for financial resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
A hacker was successfully able to create and has a passkey on my XXXX in which compromised my accounts they sent {$2000.00} to a person I know on cash app that person sent the money back to my cash app account the hacker intercepts those funds makes a bitcoin purchase and withdrawal Cash app Has denied my claim 2 times and their reason saying that I authorized the transaction or I gave someone my credentials and hasnt done nothing to track the real criminals and thief Cash app also just had Within the last few months had a XXXX XXXX dollar settlement for the same thing that I am experiencing right now Unauthorized Charges They also took the 2020 dollors back out of my friends bank account when it clearly shows that they sent it back to my cash app account I feel like cash app should look closer and maybe they can stop this from happening to someone else they also are very unprofessional like they are reading some kind of script I was explaining what happened in detail so they could get a accurate report and I was hung up on I will let the Police and the FBI Document And Help me Get the Justice that I am seeking I have been Violated and I am Victim Of Fraud All i wanted was for whoever is behind this to be prosecuted And that they Approve this claim instead of denying it I have Never been a Fan of Cash App and after this is all resolved I will be deleting Cash app and dont want anything else to do with Cash App like then police said in a few years Cash app will have another lawsuit against them in a few more years cash app seems like a company could actually use Robots or XXXX the staff shows no Concern at all you just can not get what you need and When I am dealing with A Violation I need to be able to actually speak to someone That actually will take the necessary steps to resolve the issue you tell or reply to anyone on cash app site It feels like It was never read received and that it has been threw in the trash that is awful

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: NV

Complaint narrative:
So I deposited my paycheck on XX/XX/XXXX through the mobile checking app because when I go to the branches, they treat me like garbage so I deposited my paycheck in there. They put a XXXX day hold on my check for no reason whatsoever and every time I called to ask about why there was a hold they had several different reasons why it was put on hold then they told me that the branch XXXX could take the hold off my check so I called the branch XXXX. She said no customer service could take the hold off the check so I called back customer service same thing so I three-way called him now all the sudden there's there's all this problems in and now everybody changes their storyso the risk department flagged my check. They refused to release the hold. I've been fighting with them the last couple of days. XXXX XXXX real reason just it's XXXX XXXX lied about check hold XXXX refused to release my paycheck XXXX refused to release hold hold XXXX XXXX refused to release my money holding for no reason XXXX XXXX XXXX XXXX Punishment for non direct deposit I called XXXX XXXX funds reviewed So punished because check is XXXX XXXX I spoke to them

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 2025-11-06 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: NV

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 2025-11-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I discovered that an account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX / XXXX XXXX appeared on my credit report without my authorization or consent. I have never applied for, opened, or signed any agreement related to this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After noticing this entry, I contacted the company requesting verification and a copy of any signed documentation proving that I authorized or consented to this account. However, the company failed to provide any valid proof or contract. This reporting is inaccurate and misleading, constituting a violation of my rights under the Fair Credit Reporting Act ( FCRA ) specifically sections 602 ( A ) ( requirement of accuracy and fairness in credit reporting ), 623 ( A ) ( 1 ) ( A ) ( furnishers duty to report accurate information ), and 611 ( a ) ( 1 ) ( A ) ( consumers right to dispute unverifiable information ). Because I never authorized this account and no evidence of my consent exists, I consider it a fraudulent or unauthorized account that is harming my creditworthiness and violating my consumer rights.

Company response to consumer: Closed with non-monetary relief