vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: CA

Complaint narrative:
In XXXX, I made an honest mistake by mobile-depositing a check through the Chase app that had already been cashed. It was a simple human error not fraud or misuse but the checking account was flagged and eventually closed. 

Since that time, I have only had credit cards with Chase and have maintained a good payment history with no delinquencies. In XXXX, I was approved for a Chase United credit card with an annual fee and used it responsibly. 

On XX/XX/XXXX, I visited a newly opened Chase branch in XXXX  to open a joint checking account with my partner. I was told there was a flag on my profile, but the banker said they could override it, and they did. The account was successfully opened and connected to my credit card profile.

A few days later, I was locked out of my Chase online account. When I called Chase, I was informed that my new checking and savings accounts were being suspended and would be closed. I requested at least to regain access to my credit cards. 

On XX/XX/XXXX, after a nearly two-hour call with multiple departments including Fraud, Customer Service , Account Specialists, and an Escalation Team, I was told that my credit card accounts would also be closed due to an internal policy. I was not given a specific reason, only that it was tied to a prior relationship with the bank. 

I asked for a fair review of the decision, an explanation of how this would be reported to credit bureaus, and assurance that my credit cards which were in good standing would be reported as closed in good standing and would not negatively affect my credit. I was told the decision was final and that no further action could be taken. 

This feels like a severe consequence for a one-time deposit error made over a year ago especially since I was later approved for a credit card and used it responsibly. I believe Chase should provide transparency, review the decision fairly, and ensure the credit closure does not harm my financial standing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of XXXX XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
My name is XXXX XXXX. My date of birth is XX/XX/XXXX. My social security number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX  AND XXXX XXXX, also XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX, and a phone account from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, the following inquiries were unauthorized. please delete XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX. My date of birth is XX/XX/XXXX. My social security number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX  AND XXXX XXXX, also XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX, and a phone account from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, the following inquiries were unauthorized. please delete XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
I RECENTLY DISCOVERED UNAUTHORIZED USE OF MY CONSUMER REPORT AND I JUST SO HAPPENED TO SEE IM A VICTIM OF IDENTITY THEFT. PLEASE INVESTIGATE THESE FRADULENT ACTIVITIES WHICH IS HURTING MY ABILITY TO OBTAIN CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I RECENTLY DISCOVERED UNAUTHORIZED USE OF MY CONSUMER REPORT AND I JUST SO HAPPENED TO SEE IM A VICTIM OF IDENTITY THEFT. PLEASE INVESTIGATE THESE FRADULENT ACTIVITIES WHICH IS HURTING MY ABILITY TO OBTAIN CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of XXXX XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
I am filing a formal complaint against Robinhood Credit for reporting inconsistent and inaccurate late payments on my credit report. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), and I am prepared to contact XXXX XXXXXXXX XXXX which assists consumers in suing creditors and credit bureaus for violations of their rights under federal law. 

Key Issues : Inconsistent and Inaccurate Reporting of Late Payments Robinhood Credit has reported late payment activity inconsistently across the XXXX major credit bureausXXXX XXXX XXXX XXXX violates the XXXX requirement to report accurate and uniform data. 

Here are the inconsistencies on the same account : XXXX : XXXX a XXXX late payment in XX/XX/year>. 

XXXX XXXX XXXXXXXX a XXXX late payment in XX/XX/year>. 

XXXX XXXX XXXXXXXX a XXXX late payment in XX/XX/year>. 

These inconsistencies show that Robinhood Credit is not ensuring the accuracy of the data they report, and that not all credit bureaus reflect the same payment history, which is misleading and harmful to me as a consumer. 

Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Possible Accuracy : Robinhood Credit has failed to report accurate and consistent data across all credit bureaus, violating this core principle of the FCRA. 

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to Investigate Disputes : I previously disputed the late payment, but Robinhood Credit did not conduct a reasonable investigation, nor did they provide verification of the alleged delinquency. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to Provide Accurate Information : Robinhood Credit has reported inconsistent late payment data across bureaus, which they knowor should reasonably knowis inaccurate. 

15 U.S.C. 1681s-2 ( b ) ( 1 ) Furnisher Duties After Receiving a Dispute : Upon receiving my dispute, Robinhood Credit was required to : Investigate the dispute thoroughly Review all supporting documents Report accurate and consistent findings to all bureaus Correct or delete any unverifiable or inaccurate information To date, they have not met these obligations. 

Failure to Rectify the Inconsistencies After Dispute Despite my formal dispute, Robinhood Credit has failed to explain or correct the inconsistent reporting. I have not received any verified documentation proving the reported late payments are accurate. Their failure to take action has caused unjustified damage to my XXXX XXXX and continues to affect my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I am a verified victim of identity theft. I provided Navy Federal Credit Union with full documentation including : FTC Identity Theft Affidavit Police Report ( XXXX XXXX Case # XXXX ) Clearance Letter from XXXX  ( XX/XX/XXXX ) Clearance Letter from XXXX XXXX XXXX ( XX/XX/XXXX ) Copy of my ID ( Drivers License, Passport, SSN card ) Utility bill and tax documents NFCU confirmed an account application made in XXXX was fraudulent ( and was done so using a Mis-Matched SSN ) and formally marked the application as fraud. Despite this, I remain blocked from opening a basic deposit account.

I was told by NFCUs own representatives that my documentation looks great but that the decision may take w
eeks or months to resolve. The burden of their delay now falls on me.

Under FCRA 605B, ECOA/Reg B , and CFPB guidance, institutions must not continue to deny banking access once a consumer has cleared a fraud alert and submitted full documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Just paid XXXX on XXXX balance. Had XXXX left on card. 
Next thing I know, thers a balance due of XXXX from a returned attempt to charge my card to put in bank XXXX which deneid their deposit. So put back on my card. Said I now owe this. Never did this. Not mine. Would not even investigate the problem. Just said can't help me and I have to pay it back even though I didn't do it. Second, my card limit XXXX so how they allow to go over to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: NJ

Complaint narrative:
I held an auto loan account with XXXX XXXX XXXX XXXX XXXX under account number XXXX. The account was eventually charged off ; however, I never received any correspondence from XXXX indicating that the account was past due, nor did I receive any notice of their intent to charge off the account. 
Additionally, I have not received IRS Form XXXX as required under Internal Revenue Code XXXX, which is critical for accurate tax filing when a debt is canceled or XXXX. 

XXXX 's failure to notify me of adverse actions, including the charge-off, and the lack of proper reporting and disclosure, may constitute violations of the Fair Credit Reporting Act ( FCRA ), including : - XXXX XXXXXXXX XXXX XXXXXXXX ( a ) ( XXXX ) ( A ) : Furnishing information to consumer reporting agencies that is known or reasonably believed to be inaccurate. 
- XXXX XXXX XXXX XXXX ( a ) ( XXXX ) : Requiring furnishers to identify disputed information when informed by the consumer. 
- XXXX XXXX XXXX XXXX ( a ) : Obligation to provide notice of adverse actions based on information in 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 2025-06-07 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: NJ

Complaint narrative:
I held an auto loan account with XXXX XXXX XXXX XXXX XXXX under account number XXXX. The account was eventually charged off ; however, I never received any correspondence from XXXX indicating that the account was past due, nor did I receive any notice of their intent to charge off the account. 
Additionally, I have not received IRS Form XXXX as required under Internal Revenue Code XXXX, which is critical for accurate tax filing when a debt is canceled or XXXX. 

XXXX 's failure to notify me of adverse actions, including the charge-off, and the lack of proper reporting and disclosure, may constitute violations of the Fair Credit Reporting Act ( FCRA ), including : - XXXX XXXX XXXX XXXXXXXX ( a ) ( XXXX ) ( A ) : Furnishing information to consumer reporting agencies that is known or reasonably believed to be inaccurate. 
- XXXX XXXX XXXX XXXX ( a ) ( XXXX ) : Requiring furnishers to identify disputed information when informed by the consumer. 
- XXXX XXXX XXXX XXXX ( a ) : Obligation to provide notice of adverse actions based on information in 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 explanation
Consumer complaint received 2025-06-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I held an auto loan account with XXXX XXXX XXXX XXXX XXXX under account number XXXX. The account was eventually charged off ; however, I never received any correspondence from XXXX indicating that the account was past due, nor did I receive any notice of their intent to charge off the account. 
Additionally, I have not received IRS Form XXXX as required under Internal Revenue Code XXXX, which is critical for accurate tax filing when a debt is canceled or XXXX. 

XXXX 's failure to notify me of adverse actions, including the charge-off, and the lack of proper reporting and disclosure, may constitute violations of the Fair Credit Reporting Act ( FCRA ), including : - XXXX XXXXXXXX XXXX XXXXXXXX ( a ) ( XXXX ) ( A ) : Furnishing information to consumer reporting agencies that is known or reasonably believed to be inaccurate. 
- XXXX XXXX XXXX XXXX ( a ) ( XXXX ) : Requiring furnishers to identify disputed information when informed by the consumer. 
- XXXX XXXX XXXX XXXX ( a ) : Obligation to provide notice of adverse actions based on information in consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX XXXX account number XXXX and XXXX to your agency. 
( XXXX ) XXXX and I believe that entry is inaccurate. The payment in question is identified as " late '', but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FRCA ) and related laws. 
Legal Basis for Dispute : Round one FRCA Under 15 U.S Code 1682a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and to XXXX XXXX XXXX regarding this account should not be included in my consumer credit 15 U.S. code 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. 
Request for XXXX : If XXXX XXXX XXXX can not provide the necessary proof of mailing or delivery of the required information, I request that this late payment be deleted from my credit report. Failure to do so will be considered a violation of XXXX XXXX XXXX XXXX, which prohibits the reporting of inaccurate or unverifiable information. 
I respectfully request that you take the appropriate action to remove this inaccurate late payment entry from my credit report within XXXX calendar days of receiving this notice. 
( List of Late Payment Accounts ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Thank you for your prompt attention to this matter. I look forward to your response and investigation that the disputed late payment entry has been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: FL

Complaint narrative:
I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX XXXX account number XXXX and XXXX to your agency. 
( XXXX ) XXXX and I believe that entry is inaccurate. The payment in question is identified as " late '', but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FRCA ) and related laws. 
Legal Basis for Dispute : Round one FRCA Under 15 U.S Code 1682a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and to XXXX XXXX XXXX regarding this account should not be included in my consumer credit 15 U.S. code 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. 
Request for XXXX : If XXXX XXXX XXXX can not provide the necessary proof of mailing or delivery of the required information, I request that this late payment be deleted from my credit report. Failure to do so will be considered a violation of XXXX XXXX XXXX XXXX, which prohibits the reporting of inaccurate or unverifiable information. 
I respectfully request that you take the appropriate action to remove this inaccurate late payment entry from my credit report within XXXX calendar days of receiving this notice. 
( List of Late Payment Accounts ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Thank you for your prompt attention to this matter. I look forward to your response and investigation that the disputed late payment entry has been 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 non-monetary relief