vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I deposited two checks at Chase Bank on XX/XX/XXXX. The checks were written and endorsed by my uncle. Chase has refused to release the funds, stating that it can not verify the check with the issuer. 

The only verification method Chase will accept is a phone call to the number on file for my uncle. That phone number is no longer in service because he has moved to live with a full-time caregiver due to declining health. Because the number is inactive, Chase says they can not verify the check and will not provide any other options. 

The check is valid and properly endorsed. I have repeatedly requested alternative verification methods such as a notarized letter, proof of account closure, or updated contact verification but have been told there are no alternatives available. If needed, I can request from Chase the call log to show how many times I have contacted them about this issue in the 2+ years I have been trying to get this resolved.

As a result, Chase has been holding my funds indefinitely, with no clear resolution or reasonable verification process.

I was also told by multiple Chase representatives that the funds would be released to the state after two years ( XX/XX/XXXX ) and I could claim them at that point. However, I was later told Chase could hold the funds for up to five years, contradicting earlier statements. 

Chases refusal to provide any alternative verification process is preventing me from accessing funds that rightfully belong to me. The banks conflicting information and lack of transparency suggest a process failure, not a fraud concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-10-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: CO

Complaint narrative:
The total money in and total money out don't line up at all, they froze my account and card for days with no explanation, they don't update me about ongoing disputes, they tell me all kinds of things like my account has been closed and I have a check in the mail ( never closed or received check ) was told a new digital card would arrive soon In XXXX hours? Never happened previously told in only XXXX minutes and that's actually how it happened, this company 's employees are telling me All kinds of different things, they've now added that they don't work with XXXX, but haven't returned my payment even returned my payment, I was illegally evicted because XXXX declined possession of sed payment. This dispute proses is too slow and this company has ruined my life and lively hood and has no ancers for me or my moneys location or why its taking so long to determine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-10-29 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: IL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-29 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: IL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-29 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: TX

Complaint narrative:
I am very upset to see that the incorrect late payments are still appearing on my credit report even this morning. I already refreshed my browser, yet nothing changed. Please review the documents I submitted right away so this problem can finally be put to rest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: AZ

Complaint narrative:
The account being reported is not mine and appears to be a reporting mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: IN

Complaint narrative:
Took out a loan that was originally for about {$1800.00}. Realized the interest was extremely high and I can't afford to make the payments as the interests rates are about 515 %.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, i received several credit report inqueries. Fortunately, these were caught and not approved, because the hacker didn't have all required information. I requested to have these applications removed, this was never done. Due to identity theft, an imposter registered for Experian access with my name. The individual registered with a phone number and email address that is not mine. I have called several times and was informed that i needed to send a letter to the Experian office in Texas. I did send XXXX letters but never received any response at all. I managed to get my account frozen via previous phone call but now i can't unfreeze my account and the hacker still has access to my account. Additionally, I have called yesterday and today ( XX/XX/XXXX ) and the call center was down and i received an automated message there is an error.

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 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: MD

Complaint narrative:
The company is sending numerous emails daily and calling daily overloading my voicemail and inbox. Dating back to XXXX and prior months as my most recent email was received XX/XX/XXXX. 

Debt Dispute & Cease and Desist Letter XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Re : Formal Dispute and Cease and Desist Demand Account No. XXXX Dear XXXX Funding, XXXX TrueAccord, I am writing regarding the alleged debt associated with XXXX XXXX XXXX account number XXXX, which you claim I owe. 

1. Formal Debt Dispute : I dispute this alleged debt in its entirety and demand that you provide complete written verification as required under 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ), including : The exact amount claimed, The name of the original creditor, Documentation proving that I am legally obligated to pay this debt.

Until such verification is provided, you are prohibited from any collection activity, including reporting this alleged debt to any credit reporting agencies.

2. Cease and Desist : Under 15 U.S.C. 1692c ( c ), I demand that you immediately cease all communication with me, except to provide verification of the debt or to notify me of legal action. This includes : Telephone calls, emails, texts, or mail, Contact with any third parties regarding this alleged debt.

3. Legal Notice : Be advised that any further communication in violation of my rights under the FDCPA will be considered harassment. I am fully prepared to : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney generals office, Pursue civil action for any damages resulting from violations of the FDCPA, state debt collection laws, or harassment. 

You are hereby instructed to confirm in writing within XXXX business days that you have received this letter, acknowledge my dispute, and will comply with my cease and desist demand. Failure to comply will leave me no choice but to pursue all available legal remedies. 

Sincerely, Account XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-10-29 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: Chime Financial Inc
State: FL

Complaint narrative:
Ive been trying to resolve a fraudulent charge for over a month. XX/XX/XXXX around XXXX while I was working someone make fraudulent use of my debit card for an amount of {$100.00}. Ive reached my bank Chime ( XXXX Bank member FDIC insured ) to solve my issue with no resolution. After the 6th time they denied my claim even after submitting a police report, my work timesheet proving that I was working at the time of the transaction I decided to take an additional route to take this solved. I asked for the supporting documentation they used for my decision and its a receipt from the merchant ( no name, address or product type ) and my own information I provided including the intake form.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, my estranged spouse gained unauthorized access to my PayPal account and initiated three fraudulent transactions totaling {$11000.00}. The transactions occurred at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, immediately following an unauthorized login from a browser I don't use ( Chrome on macOS at XXXX XXXX  ), from an IP address that had not accessed the PayPal account up until that point. 

The perpetrator added a vindictive message to one transaction, stating " 15 years of hard labor + constant lies, '' clearly demonstrating malicious intent rather than any legitimate financial transaction. They attempted to withdraw {$7000.00} and {$2000.00} from my bank account, plus {$2000.00} via cash advance on my linked credit card.

I received a notification when the first transfer was initiated. I immediately logged into PayPal, filed a dispute, and attempted to freeze the account. PayPal rejected the dispute, and there is no option to appeal.

My bank recognized this as fraud and blocked the {$9000.00} in ACH withdrawal attempts on XX/XX/XXXX. XXXX also reversed the {$2000.00} credit card charge immediately upon my report, stating this was obvious fraud. 

However, PayPal denied my fraud dispute and has left my account with a negative {$8700.00} balance from the blocked ACH attempts. PayPal debt collectors are now calling me almost every day.

PayPal 's denial is particularly troubling given that : ( 1 ) the perpetrator left evidence of malicious intent in the transaction notes, ( 2 ) the access came from devices, browsers, and IP addresses that I don't use, ( 3 ) both my bank and credit card company immediately recognized this as fraud, and ( 4 ) there was a clear pattern of revenge-motivated theft during a domestic dispute.

I attempted to file an identity theft report with the FTC but was unable due to the government shutdown that began the same day as the fraud. PayPal has refused to acknowledge what two other financial institutions immediately recognized as obvious unauthorized access and theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, I received four different notices informing me that XXXX XXXX was closing our personal accounts, our rental property business account and the accounts for the XXXX XXXX XXXX XXXX, of which I am treasurer. I have attached one of the notices that shows all accounts involved. I requested the reasoning behind this from the corporate phone number and three different branches. The only response I received was that they can. I have spent {$95.00} in new check purchases for new accounts established at XXXX XXXX. This would not have been necessary had XXXX XXXX not closed our accounts. I have also spent over 45 hours of my time opening new accounts, closing old accounts and contacting third parties with which I have automatic deposits or withdrawals from my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: MI

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: MI

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-29 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: TX

Complaint narrative:
THE INFORMATION SHOWN IS INACCURATE AND UNFOUNDED.

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 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
When I really when I initially open the account was Citibank and in XX/XX/year>. I was notified that my initial interest rate will be XXXX XXXX and they have been charging me XXXX XXXX.. They lowered it on the last XXXX statements and will not give me a straight answer. They have put my holes on my account. Theyve never notified me when they put holes on my account. XXXX of the representatives internally tried to get me to verify my information on an unknown number and lied about it. They wont give me a straight answer why they have adjusted my interest rate. They just said it went down with the balance on the card was higher, which makes no sense. I have paid off the card and they are still charging me interest. There have been XXXX to no communication regarding any disputes. Its impossible to get them on the phone. They put me on hold or either hang up on me then they blame me and tell me Im the problem if I have questions about charges, they dispute them and.

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