vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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:
I was looking to make a big purchase ( over {$7000.00} ) for my business. I looked for the best sign up bonus. Chase offered {$750.00} back if you spend {$6000.00} in the first 3 months. I picked their card because of it. I have over an XXXX credit score, with a home, cars, student loans, multiple credit cards, XXXX late/missed payments, it's perfect. When I got approved they gave me a credit limit of {$3000.00}. Seemed odd but went ahead and bought {$3000.00} worth of gift cards so that I could pay it off and then continue with my large purchase while hitting the {$6000.00} spending needed for the sign up bonus. 

After I paid the card balance I went to make the final purchase only to be {$2000.00} away from hitting the sign up bonus requirements. I was on hold for over XXXX minutes while an account review came back and said that my account was closed. 

They claimed it was because of my lack of credit and because the charges didn't make sense. I explained to them multiple times on multiple different days what was happening and exactly what I was doing. Never was an issue until I was XXXX final purchase away from hitting the sign up bonus. Suddenly my card declines and my account is now closed. 

This is 100 % a scam Chase is pulling. This is why they gave me the limit of {$3000.00}. They realize that if someone is about to hit the spending limit them will have to pay the sign up bonus, instead the force people to pay off the initial {$3000.00} to then charge it back up to {$3000.00} again. Not many people can do that or have that case, but I did. As soon as I was about to fulfill the requirement they closed my account for no legitimate reason. This is a full on blatant, bait and switch. I now have a ding on my credit report, a closed account ( no points or sign up bonus earned ) and a balance that they had no problem charging, until I was about to hit the sign up bonus requirement. They really need to be investigated. This is disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A dispute was made with capital one for several charges and Im not sure what they did but they took out the charges credited to my account and then put them back on my account several times, causing my account to go negative in on one of my claims, and they denied it. When is the same exact claim with the same company that they accept and credit my account for for the same exact issue. I had to wait for the other pending transaction to post that was unauthorized. They fix the other issues with the same company with XXXX but denied the other claims so my account was left overdrawn more than {$400.00} in capital one has not fixed it causing my credit score to drop tremendously and me not being able to use my credit card for things that I need like renting a vehicle which I need for work causing me to have to use my debit card with capital one which I am now having issues with that as well because I had to go to a non-accredited, rental car company and capital one is denying my claim for that as well so I am seeing that it is capital one that are not handling important customer issues

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NV

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 identity theft. 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 explanation
Consumer complaint received 2025-05-13 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: NV

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
Check N Go XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Loan # XXXX Took a loan for {$1200.00}, on XXXX, with an interest rate of 9.95 %. I pay {$170.00} twice monthly, I have paid a total of {$2400.00}, my balance is {$1100.00}. With an interest rate of 9.95 % I have over paid them. They are stating I have a pay off balance. I have paid the loan back twice. I was told I could pay it off early. 

Paying back {$4500.00}, seems extreme. 

I did not take out a separate loan. I would like a refund of the overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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:
Equifax, Experian and Transunion breach and information shared without my consent. I also was a victim of identity theft and also a victim of harassment as well.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Equifax, Experian and Transunion breach and information shared without my consent. I also was a victim of identity theft and also a victim of harassment as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: VA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  XXXX XXXX {$180.00} Open Date XX/XX/XXXX XXXX Balance : {$690.00} Open Date XX/XX/XXXX XXXX Balance : {$240.00} Open Date XX/XX/XXXX XXXX Balance : {$150.00} Open Date XX/XX/XXXX XXXX XXXX  Balance : {$2700.00} Open Date XX/XX/XXXX XXXX Balance : {$3700.00} Open Date XX/XX/XXXX XXXX XXXX  Balance : {$3000.00} Open Date XX/XX/XXXX XXXX Balance : {$100.00} Open Date XX/XX/XXXX XXXX Balance : {$340.00} Open Date XX/XX/XXXX XXXX Balance : {$570.00} Open Date XX/XX/XXXX XXXX XXXX  Balance : {$10000.00} Open Date XX/XX/XXXX XXXX XXXX  Balance : {$7000.00} Open Date XX/XX/XXXX XXXX  Balance : {$290.00} Open Date XX/XX/XXXX Inquiries : XXXX  Date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-05-13 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX, I deposited around {$800.00} in cash into a Capital One ATM in XXXX XXXX, NJ. The ATM malfunctioned during the deposit it jammed and failed to provide a receipt. I could see the machine was having issues, and another customer next to me was also experiencing a similar problem. 

I immediately contacted Capital One to report the issue and was told a provisional credit would be applied while the ATM investigation was underway. I followed up multiple times by phone and in person at the branch and was repeatedly told the credit would be issued, and the investigation would take up to 45 days.

Instead, a few days later, I was informed that my account was being permanently closed due to activity inconsistent with typical account usage. I was also told I would not be reimbursed for the {$800.00} deposit, despite reporting the malfunction in good faith and providing details about the incident.

On top of that, Capital One restricted my account, and I am now completely locked out of my remaining funds. I was told that a check will be mailed within 710 business days once the account is closed, but I need immediate access to my money due to financial hardship. 

I have reached out to Capital Ones Executive Office but have not yet received a resolution. I am requesting immediate access to my frozen funds and reimbursement for the ATM deposit that was never credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ Account Number ] for my [ credit card, auto loan, and/or mortgage ] to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 
Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
I have identified that the statements for my [ credit card, auto loan, and/or mortgage ] have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 
Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ Company - date ] XX/XX/year> I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 
I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Thank you for your attention to this important 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 2025-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I went in to Bank of America on Friday XX/XX/XXXX at XXXX to deposit a check from my retirement savings account. I was told my check would have a hold until the following Tuesday, XX/XX/XXXX. Even though when I had previously had a check hold ( because my account was less than 30 days old ) I was guaranteed after the 30 days this would not happen again. Now, they extended the hold an additional 3 days without a clear explanation. The funds were needed for rent and other urgent bills due. Bank of America has caused me to be penalized in additional fees for not having MY funds available to me the day promised. I attempted to get information from the branch location but was not given anything. I believe Bank of America is attempting to steal from 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 monetary relief
Consumer complaint received 2025-05-13 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The XXXX XXXX XXXX that was transferred to XXXX needs to be deleted off of my credit report. I have asked Experian numerous times to provide me with the XXXX from this loan, and they can not do it. I will pursue a civil lawsuit against Experian if this does not get deleted. They are currently breaking a 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 2025-05-13 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: Yamaha Motor Finance Corporation USA
State: NY

Complaint narrative:
Account is good standing and current, balance completely cleared all payments made. The late payments on this account doesnt give a accurate representation of current actions made this gives false worthiness to other lenders which isnt allowing me to get approved from any other lenders and also affecting my score to not increase and report to improve .being that all debt is paid lender should and could remove all late payments this is the fair actions in this case if not lender can completely remove account from report as well

Company response to consumer: Closed with explanation