vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year>, Chase XXXX XXXX ( WePay ) unexpectedly closed my Chase XXXX merchant account after I received a legitimate {$2500.00} payment from a client via credit card. 

The payment was for services I provided through my small business, XXXX XXXX. I issued an invoice, and the client paid using their own credit card, without any issue or dispute on their end. 

After the payment cleared, Chase flagged the account, placed an immediate hold on all funds, and notified me that they would hold the money for XXXX days to ensure pending transactions are settled. They also permanently closed my account without giving me an opportunity to explain or provide supporting documentation. 

I contacted Chase to clarify the situation and offered to provide all relevant records ( invoice, client communications, contract, etc. ), but I was only told to file an appeal through their merchant appeals email. This process lacks transparency and has caused financial hardship for my small business, as the funds represent legitimate income. 

I am requesting that Chase release the funds as they were obtained through a lawful and undisputed transaction, or provide a clear explanation for the hold and closure. I believe this action is unfair and inconsistent with fair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX XXXX XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear TransUnion, \n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as followsXXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that TransUnion promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activityXXXX 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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have tried through the telephone request process to obtain copies of my credit reports from Experian, Equifax and Trans Union respectfully. I had no luck getting an approval, but at this time make my request through the Consumer Financial Protection Bureau. I hereby respectfully request my free annual copy from Experian, Equifax and Trans Union. My drivers license is also attached. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-07-14 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-14 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I work XXXX XXXX XXXX XXXX and my company pays for me a XXXX XXXX, I lost phone my and wallet at the hotel and I didnt get it back until a week later. When I recently checked my XXXX XXXX, I have a new hard inquiry for what looks like someone tried getting a loan in my name, ( One Main Financial ) This inquiry I have no knowledge of and should be removed from my credit report due to fraudulent activity. XXXX alerted me informing my email is on the XXXX XXXX and my name, address, & passwords are exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: MI

Complaint narrative:
A company been on my credit report over XXXX years I tried disputing and also contacting this company regarding

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
Subject : XXXX XXXX Reporting Incorrect Date of XXXX XXXX I am filing this complaint regarding inaccurate credit reporting by XXXX XXXX. 

XXXX XXXX has reported an incorrect Date of XXXX XXXX ( XXXX ) on my XXXX credit file. According to the data currently furnished to the credit reporting agencies, the XXXX is listed as XX/XX/XXXX. This date is factually inaccurate. I filed for bankruptcy XX/XX/XXXX. This account was delinquent long before XX/XX/XXXX. 

Based on my records and payment history, the actual date of first delinquency occurred on XX/XX/XXXX. I have documentation to support the true date, and I have attempted to contact XXXX XXXX, Experian and XXXX directly to request a correction, but the inaccurate reporting remains. 

This misinformation affects the accuracy of my credit report and improperly extends the duration of negative information being reported, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), Section 623. Creditors are legally obligated to report the correct XXXX to ensure outdated derogatory information is not kept on file beyond the allowable XXXX limit.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
I am a XXXX patient with documented XXXX hardship, including XXXX XXXX, XXXX XXXX, and partial XXXX XXXX Despite submitting documentation of my condition, ED Financial denied my request for forbearance or XXXX deferment and continued to report my account as delinquent. 

I was actively undergoing treatment during the late payment reporting period ( XXXX ), and I have lab results and diagnosis documentation to support this. The failure to offer any assistance and the continued negative reporting violate consumer protection and XXXX hardship guidelines for federal student loans. 

Additionally, their denial of relief directly contradicts the XXXX XXXX intent and protections for XXXX at-risk borrowers. I have experienced severe stress, which has worsened my health condition and resulted in credit damage that affects my access to stable housing and financing. 

I am seeking immediate deletion of the negative tradelines from all consumer reporting agencies and a formal apology. I am also exploring legal remedies under the FCRA and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: HI

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint regarding multiple inaccurate and harmful entries being reported by Equifax on my credit file. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and have already had a significant negative impact on my creditworthiness. 

I have previously disputed these issues with Equifax, yet they continue to remain unresolved. I am requesting the Consumer Financial Protection Bureaus assistance in investigating these violations. 

Below are the details of the disputed entries : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Incorrect and unverified address Law Violated : FCRA 607 ( b ) Failure to ensure maximum possible accuracy Background : I have never lived at or used this address. Its inclusion on my file is completely inaccurate and could lead to the misassociation of accounts or personal identity confusion. I have requested Equifax remove this address, but they have failed to do so. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Wrong address Law Violated : FCRA 607 ( b ) Background : This is not a valid or current address for me. It has never been affiliated with any of my accounts, yet Equifax has continued to report it without verification, posing a risk to the integrity of my credit file. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Incorrect address Law Violated : FCRA 607 ( b ) Background : This address does not belong to me and its presence on my credit report is likely the result of a reporting error or file merge. Equifax is required to delete any unverified or false information. Despite my previous attempts, this address remains. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> High Balance : {$1400.00} Issue : Disputed late payment Law Violated : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must report data accurately Background : This account reflects a late payment that I dispute. During the time of this reported delinquency, I was facing personal financial hardship and had contacted the creditor to make arrangements. I never received proper notice before the negative mark appeared, and Equifax has failed to fully validate this item with supporting documentation from the original furnisher. The ongoing presence of this derogatory item is unjustified and harmful. 

Requested Resolution : I am requesting the CFPB to investigate and require Equifax to : Delete all three incorrect addresses from my credit file Remove or correct the late payment on the XXXX account Ensure that all reported data is fully verified in compliance with the FCRA I have enclosed my identification and proof of address to confirm my identity. I trust the CFPB will help enforce my rights and ensure that Equifax is held accountable for its reporting failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. These errors are causing ongoing harm to my financial well-being during an already challenging time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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:
This complaint is not a mistake. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. These errors are causing ongoing harm to my financial well-being during an already challenging time.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WI

Complaint narrative:
I am filing this complaint due to MOHELAs repeated failure to provide appropriate customer service and timely loan servicing. 

Unacceptable wait times : I have attempted to contact MOHELA numerous times in recent weeks to resolve an urgent matter and have consistently encountered hold times exceeding XXXX hours, leaving me unable to speak with a representative. This is unacceptable. 

Unresponsive secure messaging : When attempting to use MOHELAs secure messaging system as an alternative, I only receive canned replies instructing me to call, effectively forcing me back into excessive wait times. 

XXXX processing delay : I submitted an application for an XXXX XXXX XXXX XXXX XXXX plan on XX/XX/2025. As of today ( XX/XX/2025 ), MOHELA has not processed this application or provided any substantive updates. While this delay is no longer pertinent because I have now reached XXXX qualifying payments, it reflects ongoing mismanagement. 

Failure to act on XXXX forgiveness : On XX/XX/2025, my XXXX status was updated in StudentAid.gov to show I have reached XXXX qualifying payments and that No additional payments are needed. Despite this, MOHELA has yet to process my discharge or remove my balance, and I am still being told a payment is due on XX/XX/2025. I have not received confirmation that MOHELA is processing this discharge. 

Harm to borrower : MOHELAs customer service practices are obstructive and unreasonable. Their failures have placed me at risk of unnecessary payment obligations and potential credit reporting harm while I await loan discharge that has already been confirmed by Federal Student Aid. 

I am requesting that MOHELA : XXXX. Immediately process my XXXX discharge as confirmed by XXXX XXXX Provide written confirmation that no payment is due on XX/XX/XXXX and that I will not be subject to delinquency, late fees, or negative credit reporting XXXX Address the excessive wait times and provide borrowers with a reasonable channel for resolving issues without requiring hours-long phone holds

Company response to consumer: Closed with explanation