vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I started a microbusiness with my savings and opened a business account with Chase. Months later, I linked XXXX domestic personal accounts and did online transfers between my personal accounts and my Chase bus acct. The transactions were for small amounts. When linking the accounts to Chase, I did it with micro deposits AND signing online from Chase 's platform, and consenting for Chase to obtain all my personal information from those banck accounts. Chase verified my ownership of those accounts and completed some transcation and accepted funds from them. Chase without any warning, restricted my business account, froze my funds, and gave little to no information as to why they were doing it. They offered no remedy to mitigate the issue. Chase decided to close my account, which I accept, but declines to return my money until it wants, which will be at least XX/XX/XXXX, when it will mail a check to me. I have a new business, and need to make payments using my hard-earned money that I deposited in my Chase account. During these issues, Chase also provided me with wrong information : I had XXXX incoming transaction for {$1000.00} each, and Chase said it had return those transactions and I had to deal with the other banks about the " returned '' money. On XX/XX/XXXX I learned they did not return the transactions and is also holding those funds. Chase right now is holding {$4900.00} of my money, which I need to honor a contract. Chase is refusing to offer explanations, is giving me contradictory information, and refusing to release my money. I have offered to provide documentation regarding my external personal accounts, to show that those are mine, they money is legit, and there is nothing fraudulent or suspicious about the transactions. But still, Chase declines to do anything to solve the issue and return my money. I've talked to them multiple times : XXXX, XXXX, XXXX, and XXXX ; I've talked to a branch XXXX, the XXXX department, and the fraud department. None had been able to nor willing to help solve the case and return my funds within a reasonable time for me to honor my financial commitments. After talking to these Chase representatives, they have indicated they do not care about any potential financial and reputational har me and my business may suffer as a result of them holding my funds. I need to access my funds as soon as possible, before XX/XX/XXXX.

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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts in Dispute XXXX XXXX Acct # XXXX XX/XX/XXXX {$4900.00} XXXX XXXX XXXX Acct XXXX XXXX XX/XX/XXXX {$660.00} XXXX Acct XXXX XXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXX Acct XXXX XXXX XX/XX/XXXX {$12000.00} XXXX  Acct # XXXX XX/XX/XXXX {$2400.00} Dispute Summary : The reporting on these accounts appears inconsistent and unverifiable. I request Experian to conduct a reinvestigation, confirm the accuracy of balances and dates, and remove any account that can not be verified or that is reported inaccurately. 

Inquiries in Dispute XXXX XXXX XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Dispute Summary : Multiple inquiries appear to have been made by the same lenders on different dates, possibly without my authorization. I am requesting that Experian verify that each inquiry was authorized by me for a legitimate credit application. 
If any can not be verified or are duplicates, they should be removed.

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 card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I submitted a payment to my Bank of America Credit Card on XX/XX/XXXX of {$130.00} but it counted the payment as made on XX/XX/XXXX and I was charged a {$29.00} fee. This is the second or third time this has happened to me with Bank of America but usually they just agree its an improper charge and refund me over the phone. I tried calling customer service this time for Bank of America, and they agreed it shouldve been refunded but they submitted a request and it was denied. I called again and talked to a supervisor and they said theres absolutely nothing to get it refunded anymore unfortunately since it was denied, but they said they would have otherwise just on the call. So I feel scammed. Please help. Im attaching a screenshot of a screenshot that I took of when I made the payment by the due date. On the XXXX XXXX app it confirms the photo was taken on 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
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: VA

Complaint narrative:
I submitted a formal dispute to the credit reporting bureau on XX/XX/XXXX regarding inaccurate late payment remarks on my credit report. 
The account ( XXXX ) I disputed are : XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Late payment ( XXXX ) reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX Late payment ( XXXX ) reported on XX/XX/XXXX XXXX/XXXX  Account # XXXX Late payment ( XXXX ) reported on XX/XX/XXXX In my letter, I requested : A reinvestigation of the late payment remark ( XXXX ) Proper verification and documentation of the derogatory reporting A description of the method of verification used, as required by FCRA 1681i ( Section 611 ) As of today, over XXXX  days have passed and I have not received a response, nor has the inaccurate information been corrected or removed from my report. 
This failure to investigate and respond violates multiple provisions of the Fair Credit Reporting Act, including : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 1681e ( b ) Failure to ensure maximum possible accuracy I am now forced to escalate the matter due to the bureaus noncompliance.

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This is involving Care Credit, which I believe is managed by Synchrony. 

I only just noticed an interest charge of {$4400.00}, posted on XX/XX/XXXX. I know I was enrolled in some program to pay for dental work but over XXXX seems absurd. 

I tried to dispute but I dont have the physical credit card ( wallet was stolen months ago ) and because it is only used for dental/medical purposes, I never got around to getting new card. I tried calling but was put on hold for nearly an hour before I had to hang up and proceed with other responsibilities.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this dispute regarding the following accounts, which I believe to be inaccurately reported. The account details are listed below : CHARGED OFF : XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX INQUIRIES : XXXX, XX/XX/XXXX LATE PAYMENT : 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 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
In XX/XX/XXXX, I faxed a formal hardship request and reinstatement proposal to Bridgecrest, stating I could bring my overdue balance ( 2 months behind ) current by XXXX. I followed up multiple times via email and phone but received no written acknowledgment or response from XXXX ignored my proposal entirely. 

In early XX/XX/XXXX, I called to make a payment on my XXXX XXXX XXXX and was informed, without prior notice, that the vehicle had been repossessed. This was the first time I was made aware of the repossession. I received no written notice by mail or email regarding any repossession, right to cure, or account status, in violation of state and federal repossession laws. 

I made an {$850.00} payment in XXXX, which has not been reflected on my account, and no accounting breakdown has been provided despite requests. 

Following this, I hired legal counsel, and my attorney sent Bridgecrest a certified demand letter. In response, instead of communicating through my attorney or replying directly to me, Bridgecrest began calling my family members who do not live with me, stating they needed to speak to me about the vehicle. This is a clear violation of third-party communication rules under the Fair Debt Collection Practices Act ( FDCPA ). These communications were misleading and invasive. I have call logs and voicemails to support this. 

Despite my attempts to resolve the matter in good faithincluding contacting Bridgecrest directly and through legal counselthey have failed to provide proper notice, refused to respond meaningfully, and engaged in aggressive and unlawful collection practices. Their conduct has caused significant distress and has not complied with fair lending or collection standards.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am submitting this CFPB filing to dispute various issues reported across all three credit bureaus ( XXXX, XXXX, TransUnion ). I respectfully request that the bureaus investigate the following discrepancies : CHARGED OFF XXXX XXXX, Account No : XXXX, Date Open : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX, Account No : XXXX, Date Open : XX/XX/XXXX, Balance : {$74.00} INQUIRIES XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX LATE PAYMENTS XXXX/XXXX, Account No : XXXXXXXX XXXX XXXX Account No : XXXX XXXX XXXX XXXX Account No : XXXX XXXX XXXX, Account No : XXXX XXXX XXXX XXXX Account No : XXXX XXXX Account No : 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 2025-11-07 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts currently appearing on my credit report. I have raised these inaccuracies multiple times and consistently requested thorough investigations. However, despite my continued efforts, I have not received a resolution or seen any meaningful progress. These erroneous accounts are having a serious impact on my credit standing and are creating significant barriers in my everyday life. The consequences of these reporting errors have caused ongoing hardship, and I am left with no alternative but to urgently seek your assistance in resolving this matter. I respectfully request a comprehensive investigation into each disputed account and that immediate corrective action be taken to update my credit report accordingly. Restoring the accuracy of my credit file is essential to regaining control over my financial future. I urge you to treat this matter with the highest priority and take swift, decisive action. Thank you for your prompt attention and support.

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 fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I DID NOT CONSENT TO ANY AGREEMENT WITH THIS CREDITOR

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My Experian credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a frustrating situation with this Bank because they just closed my bank account checking without any explanation or anything else and they just never send my refund check with my available balance at the moment of closure at this time have many time waiting for my refund check to my address on file and they just not send anything and refuse to solve this situation, this is an arbitrary action because my money about XXXX or close to that amount is held at this bank and not received any interest or something so need attention on this situation for solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My XXXX  account has been locked after resetting password XXXX to XXXX  times and talking to agents live, they were unable to determine exactly why my account can not be accessed by me. I have also found out that there's several other people who have this issue and I have a client who sends money. And they have not given me a resolution or an easy way to get my money out of the account. Therefore, in my opinion, they are stealing monthly revenue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Subject : Request for Removal of Incorrectly Reported Late Payments In XXXX, I contacted my mortgage company, PennyMac, to request mortgage assistance. I was approved for a forbearance program that temporarily reduced my monthly payment from {$7500.00} to {$6100.00} for the months of XXXX and XXXX. I successfully paid the XXXX payment of {$6100.00} in full and on time. 

Unbeknownst to me, enrollment in the forbearance program automatically deactivated my autopay settings, which I had maintained since my loan originated with PennyMac in XXXX. Because I was unaware of this change, the XXXX payment of {$6100.00} was not automatically processed, resulting in an unintended late payment. 

Due to this late payment, PennyMac removed me from the forbearance program. Consequently, the XXXX payment of {$6100.00} was retroactively deemed insufficient to cover my original monthly amount of {$7500.00}. When I was finally able to connect with PennyMac in XXXX, I was informed that my account reflected two late paymentsXXXX and XXXXand that both had been reported to the credit bureaus along with the forbearance status. 

I was genuinely unaware that my payments were considered late, as I had acted in good faith and believed all payments were being made under the approved forbearance terms. Upon learning of the issue, I immediately paid all past-due amounts in full. Despite this, PennyMac has declined to remove the two 30-day late payments from my credit report.

These late marks are now preventing me from refinancing my mortgage to reduce my monthly payment and overall debtcreating significant financial hardship. I respectfully request that PennyMac reconsider and remove these late payment reports, as the issue arose from a misunderstanding regarding the autopay suspension associated with the forbearance program, not from any intentional or negligent action on my part.

Thank you for your time and understanding in reviewing this matter.

Company response to consumer: Closed with explanation