vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: FL

Complaint narrative:
Beginning in XX/XX/year>2025, JP Morgan Chase has repeatedly allowed an unknown individual to call the bank ( on a phone number that does not belong to me, ) and change all of the demographic details on my personal checking and savings accounts. These changes included ( but are not limited to, ) the e-mail address, phone number, mailing address, and verbal passcode on the account. 

These changes resulted in recurrent account take-over situations which have caused severe XXXX XXXX and financial hardship onto myself by having to incur financial losses and spend copious amounts of time on the phone and in my local Chase branch . 

On the last of many occurrences of Chase 's negligence, the bank again allowed the individual to change the mailing address, email and phone number on the account and additionally re-issued a debit card for the account and mailed it to the same fraudulent address that I had reported as fraudulent previously. The bank was kind enough to also expedite the card via XXXX to the fraudster. The most bewildering action was that the bank also appears to have mailed the fraudster a new debit PIN as well. Not once did a Chase representative ever verify this individuals identity. This individual then spent ~ {$4000.00} in purchases and ATM withdrawals. 

I worked with two Chase bankers in my local branch on 3 ( three ) occasions in which they helped me to regain access to my online banking each time and also helped me to create the claims to be reimbursed by the Bank as they noted a very clear paper trail of all of the banks mistakes. 

Despite a Chase banker creating the claims, and myself having provided the bank with every document and piece of information that was requested ( and within their own pre-specified deadlines, ) the bank has declined to return the funds that they allowed to be stolen from me. I have also provided them with a police investigation number and they have ignored that as well. 

I have been amazed at the unprofessional and disrespectful attitudes of the representatives that have called me. I have been very patient and understanding that mistakes happen, however the last representative also told me that I need to " settle this outside of Chase '' and then she proceeded to pretend that the call was dropping/being disconnected and that she could no longer hear me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-25 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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 reviewed my credit report and discovered several inaccurate personal identifiers and unauthorized inquiries that do not belong to me. These include multiple incorrect name variations, outdated or unfamiliar addresses, and inquiries from lenders I have never engaged with. 
The names reported in error include : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX The incorrect addresses include : 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 The following inquiries also appear on my report without my authorization or consent : XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inaccuracies are a clear violation of my rights under FCRA 611, which grants me the right to a thorough and timely reinvestigation, and FCRA 607 ( b ), which requires credit bureaus to maintain maximum possible accuracy. The continued presence of these unverifiable and inaccurate entries despite my dispute demonstrates a failure to meet these legal obligations.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-08-25 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: AR

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$870.00XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-25 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:
I am a XX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX. 
XXXX XXXXXX/XX/XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2025-08-25 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 complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The following accounts in question are : 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 XXXXXXXX XXXX These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-08-25 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: IL

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account name : XXXX Account number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was depositing/withdrawing money at CitiBank and the teller from years ago told me my account is too old and its discontinued and had to upgrade my account without my consent causing me to stop accumulating " Thank You points ''. I have lost a lot of points since that upgrade and I tried calling about it and the bank, they stated there's nothing they can do when the account is discontinued.

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 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am an XXXX  and the owner of XXXX XXXX XXXX XXXX in XXXX. In XX/XX/year> I was retained by a new client. Following the guidance of the XXXX XXXX, I accepted a certified cashiers check. Out of caution, I deposited one check electronically and brought the larger one into a Bank of America branch in person, fully disclosing the situation to the teller. The teller reviewed and accepted the check for deposit. 

In early XX/XX/year>, I discovered my business account had been closed without written notice or explanation. When I contacted Bank of America, I was told my funds would be returned within 1014 days in the form of a cashiers check. Despite my correct address being confirmed in the system, Bank of America mailed the check to an outdated apartment number. 

I was later told that Bank of America refuses to stop payment on its own cashiers check and that I must wait 121 days for the check to expire before funds can be reissued. During this time, my business is deprived of access to its funds. 

I have been treated poorly by Compliance/Risk staff ( berated, told I was personally responsible for putting the bank at risk, and even told to sue if I want my money back.

Bank of America failed to provide written notice of account closure, contrary to 12 C.F.R. 1005.9 ( Regulation E ) and 12 U.S.C. 4303 ( Truth in Savings Act ).

Bank of America failed to provide prompt notice of nonpayment of a cashiers check, contrary to the Expedited Funds Availability Act ( 12 U.S.C. 4001 et seq. ) and Regulation CC ( 12 C.F.R. Part 229 ).

Mailing a cashiers check to an incorrect address after confirming the correct one constitutes mishandling of funds and unsafe or unsound banking practices, contrary to 12 C.F.R. Part 21 ( OCC regulations ) and Florida Stat. 655.032, 655.50.

Refusing to stop payment on its own cashiers check wrongfully deprives me of access to funds and creates significant harm to my business.

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 2025-08-25 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: GA

Complaint narrative:
Upon reviewing my credit report, I discovered multiple late payment notations that do not reflect my actual payment history. Specifically : XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$270.00} Date Opened : XX/XX/XXXX Late Payment Reported : XXXX  days late in XX/XX/XXXX Discrepancy : Not reported on Experian XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2500.00} Date Opened : XX/XX/XXXX Late Payments Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX days late in XX/XX/XXXX Discrepancy : Not reported on TransUnion XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7000.00} Date Opened : XX/XX/XXXX Late Payments Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late in XX/XX/XXXX Discrepancy : Not reported on TransUnion XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3900.00} Date Opened : XX/XX/XXXX Late Payments Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late in XX/XX/XXXX Discrepancy : Not reported on TransUnion XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} Date Opened : XX/XX/XXXX Late Payments Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late in XX/XX/XXXX Discrepancy : Not reported on TransUnion I dispute these late payment notations, as they do not reflect my true payment history. I have made timely payments on these accounts, and any late payments indicated are not accurate or substantiated. The discrepancies between the credit bureaus create confusion, and the failure to report consistently undermines the integrity of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$48000.00} XXXX XXXX  # XXXX XX/XX/year> -- {$5700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-08-25 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 submitting this letter as a formal written dispute regarding inaccurate personal information and inquiries reported on my Equifax, Experian, TransUnion credit report. These inaccuracies include my name, address, and certain credit inquiries. Under federal law, Equifax, Experian, TransUnion is obligated to ensure the accuracy of all information in my credit file and to block unverifiable or inaccurate information.The following inquiries do not belong to me and appear to be the result of mixed file or mistaken identity : 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Additionally, the following addresses are not mine : XXXX XXXXXXXX XXXX  XXXX GA XXXX. These inquiries and addresses do not belong to me and must be removed or blocked immediately to restore accuracy to my credit report. Under FCRA 623 ( a ) ( 2 ), furnishers must ensure the accuracy of their 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 non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUSTMARK CORPORATION
State: AL

Complaint narrative:
I have been receiving NSF fees from Trustmark bank since they said they stopped charging those fees in XXXX. I have asked multiple times for them to stop letting payments go through after opting out of overdraft protection. The most recent dates of the non sufficient funds fees are XX/XX/XXXX for {$140.00} AFTER I made sure to put funds in my account to cover the charges and XX/XX/XXXX for {$36.00} this among another almost {$300.00} in fees just this year I can provide whatever information needed. They say its for automatic transfers but I dont understand how that can happen. I am struggling financially already and every time they charge me a fee im losing more money which is causing me to have to get another fee later.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: SC

Complaint narrative:
EdFinancial claims I owe money that was forgiven in 2007 under the Public Service Loan Forgiveness Act! I have evidence ALL my loans were forgiven in 2007. I have evidence that I OWE NOTHING! EdFinancial also claims I made a mysterious payment of {$110.00}? Which I NEVER DID! What part of this isn't falling under the UNFAIR LENDING PRACTICES ACT? Your company gained a XXXX dollar civil penalty lawsuit against these folks FOR THIS VERY REASON! 
I called a representative of EdFinancial and they were supposed to send me a fraud kit to file a fraud case against them. Well surprise surprise I never received the kit. I filled a police report, I spoke to local judges and police they AGREED this fraudulent, they informed me NOT TO PAY A CENT! Yet! I can't get support from government agencies like YOURS to help me? Why? So if you are unable to assist on a CLEAR CUT CASE OF FRAUD then please direct me to someone that will help me! 
THEY ARE ATTACKING MY CREDIT!! I am a XXXX XXXX that is on a set income, innocent of these mysterious loans, and NEED HELP NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to formally dispute several unauthorized or inaccurate hard inquiries that appear on my credit report. Under 15 U.S. Code 1681b of the Fair Credit Reporting Act ( FCRA ), consumer credit reports may only be accessed with a permissible purpose and my explicit consent.

After reviewing my credit file, I found multiple inquiries that I did not initiate, authorize, or consent to. If these inquiries lack proper authorization or documentation proving a permissible purpose, they represent a violation of my rights under federal law. 
Therefore, I am requesting an immediate investigation and removal of the following disputed inquiries from my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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