vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I applied on Chase.XXXX for a business checking account for my new XXXX business ( XXXX XXXX XXXX XXXX XXXX ) to take advantage of a promotion for online sign-ups. As part of the application, I submitted my drivers license and my Utah Certificate of Assumed Name ( entity no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and opened the account under my SSN. I received approval the same day and was instructed to fund the account. 

On XX/XX/XXXX, I transferred {$10000.00} from my XXXX XXXX XXXX Account ( ending in XXXX ) to my new XXXX business account ( ending in XXXX ). The transfer was verified through XXXX, showing both accounts in my name ( XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXs ). Fifteen minutes later, the funds appeared in the Chase account.

The following day, I received an email from Chase stating my account was restricted and may be closed. Despite following up immediately, I was told over the phone that the account would be closed without explanation. On XX/XX/XXXX, when I called again and visited the XXXX XXXX branch, I was told by the fraud department that the {$10000.00} transfer did not list me as an intended recipient, even after XXXX confirmed to Chase directly on a three-way call that I was the sender and recipient. 

I have now been told my {$10000.00} will be held for at least 10 business days pending review, even though it is my own money transferred from my own verified account. This has caused serious disruption to my business operations. 

I have been a loyal Chase customer for nearly 10 years, including as a Chase XXXX XXXX credit card holder, and I am extremely disappointed by the way this has been handled. I am requesting immediate release of my funds and review of Chases handling of this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC
State: TN

Complaint narrative:
XX/XX/XXXX th I cancelled an order with carvana for a 2014 XXXX civic. I paid for insurance with root and shipping of {$1000.00}. On XX/XX/XXXX at XXXX I got a call from carvana underwriter saying they could not give me the loan because I am self employed and do not have a business banking account. The underwriter said I would get my shipping fee back. The advocate at carvana I spoke to said they sent an email XX/XX/XXXX that I needed to cancel by XXXX noon in order to get a refund. But I spoke to no one. No one called my until that evening at XXXX to tell me I was denied. Over XXXX hours later. At noon I was still expecting to get the car so why would I cancel at noon. The guy called me at XXXX we spoke for XXXX minutes and I cancelled the order immediately after at XXXX. I was told I get a refund. Had multiple chats with carvana saying to wait til XX/XX/XXXX I should have it by then. Then today XX/XX/XXXX the advocate says I didnt cancel in time so Im not getting a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-02 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: VA

Complaint narrative:
This letter serves as a * * formal dispute * * under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i * *, regarding the * * inaccurate and misleading reporting of student loan accounts * * listed as late or delinquent on my consumer report. 

It is * * impossible * * for these loans to have been late at any time because * * all of my student loans have consistently been in an approved status of either deferment, forbearance, or an income-driven repayment plan ( IDR ) * * with a * * required monthly payment of {$0.00} * *. Under federal loan servicing guidelines, * * a {$0.00} payment due under an IDR plan can not legally be considered delinquent * *, nor can loans in deferment or forbearance be reported as late. 

Therefore, your reporting of late payments is * * factually incorrect, damaging, and constitutes a willful violation of FCRA 1681s-2 ( a ) * * ( furnishing inaccurate information ) and * * 1681s-2 ( b ) * * ( failure to conduct a reasonable investigation ). You are required by law to ensure the * * maximum possible accuracy * * of the information you report and to * * correct or delete any item that can not be verified * *. 

I am demanding the * * immediate deletion * * of all inaccurate late-payment notations and the full correction of my student loan reporting. I have attached supporting documentation proving the deferment, forbearance, and income-driven repayment statuses for these loans. 

If this matter is not corrected and confirmed in writing within * * 30 days * *, I will escalate this dispute to the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and my * * state Attorney General * *, and I will pursue all available remedies for * * defamation, negligent reporting, and willful FCRA violations * *. 

I expect an * * updated consumer report reflecting deletion of the inaccurate data * * and a * * written confirmation * * of the corrective action taken. Do not respond with stall tactics or unverifiable third-party data such as XXXX or E-Oscar results such actions do not constitute a lawful investigation under federal law. 

This is your notice to act accordingly and in compliance with the 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 non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Request for Removal of Unauthorized Hard Inquiries Dear Equifax Dispute Department, I am writing to dispute several unauthorized hard credit inquiries that appear on my Equifax credit report. I did not authorize these companies to access my credit file, and I request that these inquiries be deleted immediately. 



Below are the inquiries I am disputing : XXXX XXXX Inquiry Date : XX/XX/year> Type : Automobile Dealers, New Phone : ( XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/year> Type : Automobile Dealers, New Phone : ( XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/year> Type : Automobile Dealers, New Phone : ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> Type : Auto Financing Phone : ( XXXX ) XXXX XXXX XXXX Inquiry XXXX : XX/XX/year> Type : Bank / Retail Credit Phone : XXXX XXXX ) XXXX These inquiries were not authorized by me. I have no relationship or open accounts with these companies. Please investigate and remove these inquiries from my Equifax credit report as required under the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ). 



If these companies can not provide written proof of my explicit authorization ( with date and signature ), these inquiries should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WESTERN ALLIANCE BANCORPORATION
State: FL

Complaint narrative:
To Whom It XXXX Concern, This is a formal complaint regarding a compliance failure at Western Alliance Bank and the lack of acknowledgment or response from XXXX XXXX, who is listed as the Compliance XXXX. 

On XX/XX/XXXX, I sent a written notice directly to XXXX XXXX regarding unauthorized access to my personal data. The email included clear documentation, a description of the issue, and a direct request for confirmation that the matter was received and being handled by the compliance department. As of the date of this letter, I have received no acknowledgment, no confirmation, and no response whatsoever from XXXX XXXX or Western Alliance Bank. 

This silence from XXXX XXXX represents a complete failure of Western Alliance Bank 's stated compliance and consumer protection obligations. I thought the role of XXXX XXXX carries a duty to ensure that all consumer data breach inquiries are logged, acknowledged, and processed. 

By failing to even confirm receipt of a documented breach notification, XXXX XXXX has created a situation in which Western Alliance Bank appears to be ignoring or suppressing consumer reports of unauthorized data access. This lack of acknowledgment is unacceptable for a federally regulated financial institution and suggests systemic issues within the compliance program overseen by XXXX XXXX. 

Accordingly, I am requesting : - XXXX written confirmation of receipt of my original breach report addressed to XXXX XXXX. 

- A detailed explanation as to why XXXX XXXX or Western Alliance Bank have not issued any acknowledgment or response to date. 

- A description of the current internal process for handling consumer breach notifications, including whether XXXX XXXX remains responsible for those duties. 

- XXXX information for any alternate compliance or privacy XXXX now managing data integrity matters if XXXX XXXX is unavailable or has delegated these responsibilities. 

I am hoping that by submitting this complaint XXXX XXXX and the greater entity of Western Alliance Bank will be forced to respond to my concerns and not continue to ignore issues. 

If they are ignoring my data breaches, I wonder who else has been ignored due to XXXX XXXX 's poor compliance management. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I have sent an email as well as called this company to get this account removed from my credit report as well as a written letter describing the debt and where it came from. I have received nothing in return. My balance is XXXX and they said they were going to remove it, but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: KS

Complaint narrative:
I had a square up account for my business. I received money from someone. They without warning closed down my account and are holding my funds for 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: NJ

Complaint narrative:
Upon reviwing my recent credit score, I found this charge-off is inaccurately. According to my records, the account was settled/ never delinquent/ incorrectly reported. Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this account and update or remove from my credit report with the accurate information. Please provide written confirmation of the investigation results and any corrections made. Enclosed are copies of supporting documents proving the correct account status, including [ list of documents : payment records, statements, correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-02 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: DISCOVER BANK
State: IL

Complaint narrative:
In XX/XX/year>, a charge for {$1600.00} was attempted on my Discover account, but Discover blocked it multiple times because my account was frozen and the sub-card it was billed to had already been closed. The account was frozen by me to prevent further charges, and Discover issued me a new card, confirming no additional charges could be processed on the old account. 

In XX/XX/year>, the same charge was suddenly allowed to go through, even though the account was still frozen and the sub-card had been closed for more than six months. Discover is now claiming the charge is recurring, even though I never authorized any recurring billing, subscription, or automatic payments with the merchant. There is no recurring agreement, no written authorization, and no ongoing service. This was a one-time claim that was incorrectly processed months later. 

I submitted written disputes and a formal request for explanation, asking Discover to provide proof of any recurring authorization and to explain why a frozen and closed account was charged. Discover did not provide that information and has refused to remove the charge. A supervisor was supposed to respond, but no response was received. 

I am requesting CFPB assistance because this appears to be a Fair Credit Billing Act violation. The charge was not authorized, not recurring, and should not have been processed after being blocked multiple times while the account was frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: EQUIFAX, INC.
State: OH

Complaint narrative:
CFPB Complaint Unverified and Unauthorized Credit Inquiries Complainant : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Email : XXXX Credit Bureau Involved : Experian Information Solutions , Inc . 
Date of Report : XX/XX/XXXX Summary of the Violation Experian is reporting 21 hard inquiries on my consumer report without proof of permissible purpose or written authorization as required by FCRA 604 ( a ) ( 2 ) and CDIA XXXX XXXX Guidelines. 
Despite my repeated disputes, Experian has refused to remove these inquiries or provide validation of authorization. 

This conduct demonstrates reckless non-compliance with : FCRA 607 ( b ) Failure to assure maximum possible accuracy of consumer information.

FCRA 611 ( a ) ( 1 ) ( A ) Failure to reinvestigate and delete unverifiable data within 30 days.

FCRA 616 & 617 Willful and negligent failure to comply, entitling the consumer to statutory damages. 




Entities that Made Unauthorized Inquiries ( All dates from Experian credit file, report 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 XX/XX/XXXX None of these companies have supplied any written authorization or permissible-purpose documentation for accessing my Experian file. 



Supporting Law and Guidance FCRA 604 ( a ) ( 2 ) A consumer reporting agency may furnish a report only with written authorization.

FCRA 607 ( b ) CRA must follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( a ) CRA must delete unverifiable information within 30 days of a consumer dispute.

CDIA XXXX XXXX Furnisher Guide ( Section 6, Permissible Purpose Codes ) requires each inquiry to include a validated PP code ( PP, PRM, EMP ). Missing or unverifiable codes mandate immediate deletion. 



Relief Requested 1. Require Experian to delete all 21 unverified inquiries from my credit report.

2. Order Experian to produce written proof of permissible purpose for each inquiry ( including signed consent ).

3. Direct Experian to cease further publication or redisclosure of unverifiable inquiry data.

4. Award {$1000.00} per violation under FCRA 616 and 617, plus any actual or punitive damages deemed appropriate.

5. Instruct Experian to implement corrective training and XXXX XXXX auditing procedures for inquiry validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
CFPB Complaint Unverified and Unauthorized Credit Inquiries Complainant : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Email : XXXX Credit Bureau Involved : Experian Information Solutions , Inc . 
Date of Report : XX/XX/XXXX Summary of the Violation Experian is reporting 21 hard inquiries on my consumer report without proof of permissible purpose or written authorization as required by FCRA 604 ( a ) ( 2 ) and CDIA XXXX XXXX Guidelines. 
Despite my repeated disputes, Experian has refused to remove these inquiries or provide validation of authorization. 

This conduct demonstrates reckless non-compliance with : FCRA 607 ( b ) Failure to assure maximum possible accuracy of consumer information.

FCRA 611 ( a ) ( 1 ) ( A ) Failure to reinvestigate and delete unverifiable data within 30 days.

FCRA 616 & 617 Willful and negligent failure to comply, entitling the consumer to statutory damages. 




Entities that Made Unauthorized Inquiries ( All dates from Experian credit file, report 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 XX/XX/XXXX None of these companies have supplied any written authorization or permissible-purpose documentation for accessing my Experian file. 



Supporting Law and Guidance FCRA 604 ( a ) ( 2 ) A consumer reporting agency may furnish a report only with written authorization.

FCRA 607 ( b ) CRA must follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( a ) CRA must delete unverifiable information within 30 days of a consumer dispute.

CDIA XXXX XXXX Furnisher Guide ( Section 6, Permissible Purpose Codes ) requires each inquiry to include a validated PP code ( PP, PRM, EMP ). Missing or unverifiable codes mandate immediate deletion. 



Relief Requested 1. Require Experian to delete all 21 unverified inquiries from my credit report.

2. Order Experian to produce written proof of permissible purpose for each inquiry ( including signed consent ).

3. Direct Experian to cease further publication or redisclosure of unverifiable inquiry data.

4. Award {$1000.00} per violation under FCRA 616 and 617, plus any actual or punitive damages deemed appropriate.

5. Instruct Experian to implement corrective training and XXXX XXXX auditing procedures for inquiry validation.

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 2025-11-02 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: FL

Complaint narrative:
To Whom It May Concern I am writing because I am a victim of identity theft. I discovered that unauthorized accounts were opened in my name, my credit report reflects items I did not authorize. I reported the theft to IdentityTheft.gov, filed a police report I contacted the credit reporting bureau Experian TransUnion and Equifax and requested a freeze, fraud alert, block of the fraudulent items. Describe what you asked them to do and what they did or failed to do.

The items in question are : list the fraudulent accounts, account numbers if known, dates, amounts. These are not mine and I did not authorize them.

I request that the Experian, TransUnion and Equifax correct/remove these items, update my credit report appropriately, and ensure no further new credit can be opened in my name without my authorization.

I would like the CFPB to assist in resolving this matter and to review the handling of my case by the credit reporting agency furnisher of information.

Attached are copies of : My identity theft report and police report letter it was sent the to the credit bureaus Thank you for your attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2025-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: Payactiv, Inc.
State: TX

Complaint narrative:
Payactiv claims to allow access to worked wages. However from XX/XX/year> to now, i login to the website and see my hours worked over 24 hours ago are missing from my account. However, the website says my account was updated 2 days ago but in the graph area I can see the hours but the funds aren't available. Then at the end of my pay period I lose access to the funds due to lies from customer service that their team will contact me which they never do

Company response to consumer: Closed with explanation