vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 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: CO

Complaint narrative:
I am filing a complaint against Chase Bank for improper handling of my credit accounts, misleading guidance from branch staff, and subsequent damage to my credit. 
In XX/XX/XXXX, after Chase increased my credit card interest rate and monthly payment due to a single late payment, I visited the Chase branch located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. A bank employee advised me to open a new Chase credit card to pay off the balance of my existing Chase credit card. I agreed to open the new card under the understanding that Chase allowed balance transfers. However, immediately after the application was completed, the employee informed me that Chase does not perform credit transfers making the new account unnecessary. 
To address this issue, I scheduled a meeting with the branch manager on XX/XX/XXXX. During our approximately XXXX meeting, the manager stated he would file a complaint on my behalf and would try to see if they can get rid of the new credit card account as if it never happened. I never authorized the manager to close the new credit card account unless it could be done without negatively affecting my credit score. 
A week later, I received a letter from Chase stating that my new credit card account had been closed per my request. I never requested the account be closed, and I have since been unable to obtain proof of any such authorization. I have sent multiple secure messages through the Chase Message Center requesting documentation showing that I asked for the account to be closed. Chase representatives have ignored these requests. 
Since that time, I have received at least XXXX separate messages from XXXX different Chase representatives, none of whom have taken responsibility or addressed my original concern. Instead, the closed account has already been reported to the credit bureaus, harming my credit. Every time I contact Chase to correct the issue, the situation worsens, and no one takes accountability. 

Steps Taken to Resolve the Issue Visited branch and opened new credit card on advice from Chase employee.

Met with Chase branch manager on XX/XX/XXXX ; manager said he would file a complaint and try to make the account go away. 
Received notice from Chase stating account was closed per my request, which is false. 
Sent multiple secure messages through Chase Message Center requesting documentation; received no resolution. 
Contacted Chase customer service multiple times by phone and in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite numerous dispute attempts, the incorrect personal information on my credit report remains uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/XXXX ( bank transactions will show it posted on the XXXX ), I withdrew {$500.00} from my checking account at keybank located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I also cashed a {$200.00} check. The {$500.00} was reflected in my account and the balance was updated to show the withdrawal. 
The bank teller accidentally put a {$500.00} hold on my account instead of {$200.00} for the check I cashed. I called customer service and they called my bank to speak with the teller. She recognized her mistake and put in an order to have the mistake fixed through the system. Today, I checked my account and I have a {$300.00} debit adjustment that keybank took out although I never received an additional {$300.00}. I only had the {$500.00} hold adjusted to correctly reflect what should have only been a {$200.00} hold for the check. 

My bank statements and withdrawals are consistent and do not reflect the {$300.00} overcorrection they are claiming. I have pointed that out to XXXX different customer service reps. Neither of which understand what I am saying and I can not for the life of me reach an American over the phone to explain.

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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
Unauthorized transactions where money was taken out of the Ccount without my pernission- was unable to reach anyone in customer service because they didn't have a customer service line.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Tried to access my credit report wasnt able to retrieve it

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 2025-10-10 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: TN

Complaint narrative:
This is a follow-up complaint regarding XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in Sessa v. TransUnion ( XXXX ), Kirtz ( XXXX ), and Norman v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF - 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 non-monetary relief
Consumer complaint received 2025-10-10 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: PA

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. 
These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit 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

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 2025-10-10 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: PA

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. 
These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit 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

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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I filed a dispute with Equifax and transuion and experian regarding a closed account that I believe was being inaccurately reported on my credit file. I also submitted a complaint through the CFPB portal, which was forwarded to Equifax for review. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to complete an investigation and provide results within 30 days of receiving a consumer dispute. As of XX/XX/year>, I have not received any response or update from Equifax or XXXX regarding this investigation. 

This same account was removed from my Experian credit report following my initial CFPB complaint, confirming that the information didn't go through proper reinvestigation. Despite this, Equifax and XXXX  continue to report the account and has failed to respond or provide documentation showing that an investigation was properly conducted.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I filed a dispute with XXXX  and transuion and experian regarding a closed account that I believe was being inaccurately reported on my credit file. I also submitted a complaint through the CFPB portal, which was forwarded to XXXX  for review. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to complete an investigation and provide results within 30 days of receiving a consumer dispute. As of XX/XX/year>, I have not received any response or update from XXXX or TransUnion regarding this investigation. 

This same account was removed from my XXXX credit report following my initial CFPB complaint, confirming that the information didn't go through proper reinvestigation. Despite this, XXXX and TransUnion continue to report the account and has failed to respond or provide documentation showing that an investigation was properly conducted.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX XXXX Explorer financed through Ford Motor Credit Company XXXX in connection with my new employment at XXXX XXXX XXXX XXXX, which began in XX/XX/XXXX. At the time, I had recently received a Chapter XXXX bankruptcy discharge ( XX/XX/XXXX ). I was surprised that XXXX XXXX approved me for a {$62000.00} vehicle loan only a few months after discharge, but I accepted because my position included an {$800.00} per month vehicle allowance through my employer. My discounted XXXX XXXX XXXX XXXX the monthly payment at {$1000.00}. 
On XX/XX/XXXX, about XXXX days after making my scheduled payment, I began receiving calls from XXXX XXXX claiming that I had missed the XXXX payment. Even if there had been a brief delay, I promptly made up all payments and brought the account current, leaving only a small balance of {$320.00}. Despite this, XXXX XXXX reclassified the account as delinquent on XX/XX/XXXX, severely damaging my post-bankruptcy credit record. 
Because my Chapter XXXX discharge was final, XXXX XXXX actions violated the Bankruptcy Codes discharge protections ( 11 U.S.C. 524 and 1328 ), which prohibit attempts to collect or treat a discharged debt as delinquent. In addition, reporting false or outdated information to credit bureaus conflicts with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), and repeated calls or threats of repossession after notice of dispute constitute harassment under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692d1692f ). The combination of these actions also falls within the Consumer Financial Protection Acts ban on unfair, deceptive, or abusive acts or practices ( 12 U.S.C. 5531 ). 
These events occurred just days after my termination from XXXX XXXX XXXX and during a dispute with its HR department over my lawful tax status and the filing of IRS XXXX XXXX and XXXX. The close timing raises legitimate concerns about information sharing or coordinated retaliation between actors of XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
I contacted CREDIT COLLECTION SERVIC and they told me the debt was from XXXX but would provide no proof they just told me to pay or risk going to jail or having a lien placed on my social security payments

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am a female minority business owner. I do not feel that I am being treated fairly. The Amex website for my business platinum card shows that they attempted to debit my business bank account for a payment that was returned on XX/XX/year>. After checking with my bank, XXXX, that is not true. Which, I am told, is the reason that most of the card limits were decreased to minuscule amounts, as well as the Line of Credit. The first attempt was made on XX/XX/year>. Payment made on XX/XX/year> as soon as I return home. Due to my relocation out of state and my use of a local bank for new business banking, I was unaware that it did not permit any external transfers. While I was out of town on business, there were no banks in the state where I was located. which caused this payment to be delayed. I've been banking with Amex for nearly four years and have never missed a payment on any of my many accounts. And to have the majority of my cards lowered to minuscule limits of XXXX XXXX to XXXX XXXX dollars, I feel, is not fair to me as a customer at all. My line of credit, which I had just paid off in full for {$63000.00} on XX/XX/year>, was settled just a few days before the delayed payment. Which had also never been late. The line of credit was lowered from {$75000.00} to {$2000.00}. Along with rate increases and terms. The original reason stated for the suspension of the line of credit was due to a returned payment on XX/XX/year> ; on XX/XX/year>, the line of credit was restored. Then, on XX/XX/year>, the line was reduced to {$2000.00} due to decreases in credit card balances. 
Additionally, when the Line of Credit was initially accepted on XX/XX/year>, a rate discount offer was available through XX/XX/year>, but I was informed that the offer was not granted due to its expiration on XX/XX/year>. Which was not honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I assert that the incorrect late payment notations on my accounts violate 15 USC 1666. I have consistently made timely payments, and any inaccuracies in this reporting are both improper and unlawful.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
I contacted NCA and advised them that I didn't even know who they were and that I never opened an account with them, they advised me that they got information from a bank called Finwise when I advised them that I knew nothing about it they said I either pay or they would swear out a warrant. I paid what I could but its not right this is not my account. Please help me

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: EQUIFAX, INC.
State: NV

Complaint narrative:
I contacted XXXX  and advised them that I didnt even know who they were and that I never opened an account with them, they advised me that I either pay or they would sware out a warrant. I paid what i could but its not right this is not my account. Please help me

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

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle 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