vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I made a XXXX payment of {$120.00} for tickets to a dinner event on XX/XX/XXXX. Due to a scheduling mix-up, I notified the merchant that I could not attend on XX/XX/XXXX ( Within XXXX hours of making the payment, XXXX hours in advance, ample time to cancel my seat and notify the chef to not prepare the meal ) and requested a refund. The merchant was highly unresponsive, refused a refund, citing a strict non-refundable policy, but confirmed the ticket was transferable. 

I filed a dispute with JPMorgan Chase for non-delivery of service/fraud due to the merchant refusing a refund for a service that was not received. 

Chase 's dispute resolution process has been inadequate : I was repeatedly given inconsistent information and told to 'contact XXXX XXXX ' by low-level staff that was very rude and unprofessional. 

I filed a formal claim ( Claim Number XXXX ). 

Chase then sent a letter on XX/XX/XXXX requesting documentation but has prevented me from submitting it via the online portal, which remains non-functional ( Claim Tracker is empty ). Chase also sent me a message saying to resolve the issue with the merchant. 

The bank is creating unnecessary roadblocks and failing to investigate my claim promptly and properly, forcing me to resolve the issue entirely through the Executive Office channel and now the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AXOS FINANCIAL, INC.
State: UT

Complaint narrative:
My account was closed for no reason, I havent done anything to compromise my account I was waiting on a direct deposit and I called to check the status, then next thing you know I get an email saying my account is closed for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I am submitting a follow-up complaint against Credence Resource Management ( CRM ) for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 


Violations and Demands for Proof 1. Illegal Re-Aging FCRA 605 ( c ) & 1681e ( b ) CRM is reporting the account with an opened date of XX/XX/year>, even though the debt originated much earlier. This constitutes illegal re-aging and misrepresentation of the debts age and status. The date of first delinquency ( DOFD ) must remain consistent and can not be reset when a new collection agency takes over.

2. Failure to Provide Proper Notice FDCPA 1692g ( a ) & FCRA 1681s-2 ( a ) CRM claims it sent an initial collection notice on XX/XX/year>, but has provided no evidence that I ever received it. 
I am formally requesting that CRM provide : Proof that such notice was actually sent ( including the method of delivery and mailing records ). 
Evidence of when and how they claim I was notified of my validation rights. 
Without verifiable proof of notice, reporting this account to credit bureaus constitutes a violation of both FDCPA 1692g ( a ) and FCRA 1681s-2 ( a ).

3. Failure to Properly Verify the Debt FCRA 1681i ( a ) & FDCPA 1692g ( b ) The account was previously removed after XXXX XXXX XXXX failed to verify it. Once removed, any new furnisher must independently verify the debt before furnishing information. 
CRMs validation consisted only of a billing statement, which does not meet the legal standard for verification. 
I am demanding that CRM provide : A detailed explanation of the method of verification used prior to reporting this debt to XXXX XXXX XXXX 
Documentation showing proof of assignment from XXXX XXXX XXXX to CRM, including the full chain of custody, the original date of first delinquency, and the legal right to collect. 
4. Failure to Notify of Account Reassignment FCRA 1681s-2 ( a ) ( 7 ) I was never notified by XXXX XXXX XXXX or CRM that this account was recalled from XXXX and reassigned to CRM. Furnishers are required to notify consumers when a debt is reassigned. The absence of this notice is another violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: LA

Complaint narrative:
It was in a XXXX  and still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently applied for a loan from XXXX XXXX. While going the process they needed reports from the XXXX reporting agencies. Experian is showing my account as being locked XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX File frozen Due to federal legislation.

Hower upon logging into Experian I found an old file with a name that has not been used in XXXX  years, XXXX XXXX with the address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

I have attempted to contact Experian using XXXX different numbers found on the internet. The main number XXXX tells you they can only transfer to a live person for specific reasons without telling you the reasons. 

Now I am at a loss as I am working with a lender, XXXX XXXX to refinance my property ; and they uncovered my credit file thru Experian is frozen. However, when I created a new account today, I logged into my credit file and it showed a previous name, XXXX XXXX, which has not been used in over XXXX  years as I was divorced XXXX  and went back to my maiden name, XXXX XXXX. 

When attempting to unlock this file it showed I was unable to as it is not frozen. 

I can not move forward as I can not contact a live representative nor provide copies of my driver 's license and utility bill as I repeatedly receive messages saying, server error. 

I thought you may be able to provide assistance as I saw there was a current lawsuit against Experian with the FCRA which is currently in litigation. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi I am a Chase customer for a long time And they keep charging me for fees maintenance every times my balance was low. 
I used to called them to see if they can waived it for me. Which they did for a few time. 
They also raise the fees without telling me. It went from {$12.00} to {$15.00}. 
Now I would like to know if this is legit what chase is doing? 
Many others banks doesnt even do that charging customers for maintenance fees. 
As a customer I just want to know my rights. 
Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to let you know my concerns regarding Zelles handling of disputes, particularly in the light of the CFPB lawsuit highlighting significant issues with the platform. Ive used zelle numerous times and everytime I let them know to investigate my claim its like they dont care. They told me recovering lost funds was impossible and that tracking these transactions was unfeasible. You guys said Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users like myself vulnerable to scams. The lack of accountability and transparency is unacceptable. I lost more than {$2000.00} from zelle and no help at all no refunds nothing!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: WI

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

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 2025-10-09 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: DE

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: IL

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : 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 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 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 2025-10-09 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau XXXX CFPB ) * * From : * * NAVY FEDERAL CR UNION * * Regarding : * * NAVY FEDERAL CR UNION , Account no : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Complaint : * * I am disputing the way NAVY FEDERAL CR UNION is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ). 

Both notices are mandatory, and the furnisher must provide them to me in writing. 

* * Details of the Issue : * * - The account in question is a credit card issued by NAVY FEDERAL CR UNION- The account reported positively for a period of time.

- After I became delinquent, NAVY FEDERAL CR UNION charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. 

- I never received an Adverse Action Notice. 

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. 

- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. 

* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies. 

2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing.

* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.

- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB.

- Written confirmation that proof is provided or deletion of the charge-off occurs

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, Equifax continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-10-09 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: NJ

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/year>XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: OR

Complaint narrative:
My mortgage was sold to another company ... and ever since I have nothing but horrible communication and responding to events. Failed call backs for months ... cancelled homeowners insurance because they fail to communicate with Insurance company and don't pay ... customer service that will not talk with you .. just at you ... like you are not the customer. Something need done about selene finance and the lack of respect to it's customers

Company response to consumer: Closed with explanation