vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting

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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am writing to file a formal complaint against JPMorgan Chase Bank , N.A . regarding the sudden and unexplained closure of all my bank accounts and the immediate termination of my over XXXX financial relationship with the institution. 

On XX/XX/year>, at approximately XXXX XXXX., I received a text message and an email from Chase instructing me to call the bank. Upon doing so, I was informedwithout prior notice or adequate explanationthat Chase had decided to close all of my accounts and end its financial relationship with me. I was told that no further details could be provided. I spoke with XXXX representatives by phone, neither of whom offered any clarity or assistance. 

On XX/XX/XXXX, I visited a local Chase branch to speak with a representative in person, hoping to resolve the issue or at least understand it. Despite the branch representatives effort, he too was unable to reverse the closure or explain the banks reasoning. 

This action by Chase has caused serious and immediate harm. I recently received my paycheck, deposited a XXXX ( k ) rollover check, and cashed out another XXXX ( k ) to cover significant expenses related to an ongoing eviction proceeding involving a tenant, as well as recent unexpected health issues. Accessing these funds required paying early withdrawal penalties and taxes. The account closures have left these critical funds in limbo and me unable to meet urgent financial obligations. 

Even more distressing is that my child support payments are deposited into these accounts, and my mortgagealso held with Chaseis paid through them. I am now unable to make my mortgage payment, and because of the closure I have been unable to open a new account at another financial institution. This has left me completely locked out of the banking system, despite having done nothing wrong to warrant such action. 

Given the XXXX  and unexplained nature of Chases decision, I respectfully request that the Office of the Comptroller of the Currency investigate this matter to determine whether JPMorgan Chase has complied with all applicable banking regulations, including those governing account closures, consumer protection, and fair lending/servicing practices. 

I am prepared to provide any supporting documentation or further details upon request. Your attention and intervention in this matter is urgently needed and greatly appreciated.

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

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 2025-07-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXXDear Office of Consumer Financial Protection BureauXXXX am submitting a formal complaint regarding the sudden and unexplained closure of my accounts with Citi Bank The closure happened last week and still I have not feedback received form the bank. XXXXDespite repeated attempts to obtain clarification, I have received no explanation or formal communication from the bank. I visited a local branch in person and called customer service multiple times, but I was only told that my account is blocked. I now have no access to my funds and have also been locked out of online banking, making the situation even more distressingXXXXAlthough funds from one of the accounts were eventually released, my primary account remains frozen without any justification. This has XXXX impacted my financial obligations, including delayed payments to suppliers and employees, and the inability to make mortgage payments on time.XXXX respectfully request that your office investigate this matter and ensure that the bank provides a formal explanation and releases my remaining funds without further delay.XXXXPlease let me know if you require any additional documentatioXXXX 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 monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
o Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries listed on my TransUnion credit report. I did not authorize or initiate these inquiries, nor did I apply for credit with the listed companies. These inquiries are negatively affecting my credit score and should be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that only authorized inquiries appear on a consumers report. 
The following inquiries are disputed as unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate these inquiries and remove them from my credit file. I have included a copy of my government-issued ID and a utility bill to verify my identity. 
Thank you for your prompt attention to this matter. I look forward to your written response confirming the removal of these unauthorized inquiries.

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

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
Hello, im having an issue with my indigo credit card, on XXXX XXXX i received an Email, that my email and password had been changed, causing me too loose complete control of my account. i called the number on my credit card that same day and was told i needed to upload my Driver license for verification and i did. since then i called at least 3 times trying to resolve the issue and all they tell me is, that they cant change it back to my original email address, so they pretty much let someone else hack my account and will not help me. Even after i uploaded my drivers license to their website. i am at a complete loss, all i want to do now is, get access to my account back and close it down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-07 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:
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 2025-07-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: FL

Complaint narrative:
XXXX  XXXX victim and I can't access my id or anything please can you please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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 explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Subject : Formal Dispute of Capital One Charge-Off Request for Deletion under FCRA, 15 U.S. Code 1635 & 1692 To Whom It May Concern : I am writing to dispute and request the immediate deletion of an account from Capital One Bank , which appears on my credit report as a charge-off and is inaccurate, incomplete, and unverifiable. 

Disputed Account : Creditor : Capital One Bank Account Type : Credit Card Status : Charge-Off Account Number : CAP ONE Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$400.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number xxxxxxxx Start a dispute CAP ONE Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$520.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX  Legal Basis for Deletion : Violation of 15 U.S. Code 1635 Right of Rescission Under this law, I have the right to rescind a credit agreement if I was not properly informed of the terms and disclosures at the time of signing. Capital One has failed to provide the original signed contract or any disclosures that verify the debt. Therefore, the reporting of this account is invalid under federal law.

Violation of 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) This code requires that a creditor or collector verify and validate any debt upon request. Capital One has not provided full account details, including the complete account number or proof that this debt belongs to me. Without validation, continued reporting of this charge-off constitutes a violation of my consumer rights. 


Failure to Notify Me of Class Action Lawsuit Capital One has faced class action lawsuits for questionable and unsound lending practices. I was never notified regarding any such legal proceedings, which raises further concern over the legitimacy of this account. 



What I Am Requesting : Pursuant to the Fair Credit Reporting Act ( FCRA ) and in accordance with the violations of 15 U.S. Code 1635 and 1692, I respectfully request the permanent deletion of this inaccurate and unverified Capital One charge-off account from my credit report.

Under the FCRA, you are required to complete an investigation and respond within 30 days of this request. If the account is not removed, I will be forced to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for the negligent and willful reporting of unverifiable information. 
Thank you for your prompt attention to this matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had a check of over {$530.00} deposited into my account on XX/XX/year> and the bank put a hold on my account and sent me a notice that they were closing my account effective immediately. They then said its not fraud related but its risk related now I have been without a paycheck for going on 5 days since it should have been available to me. I cant pay my bills. I called in on the XXXX of XXXX and XXXX of XXXX and finally went into a branch and scheduled an appointment on the XXXX of XXXX and they finally told me to just withdrawal my savings and take it elsewhere. No reason given, only that I cant bank with them. Now Ive been shorted on my bills, look like a poor debtor on my car payment and house payment because they gave me zero notice and closed my account. Then they said there is no case number because its not directly related to fraud, were just closing your account. So theres zero reference numbers. Poor customer service.

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 2025-07-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
This is my second filing. Shellpoint Mortgage Servicing is a fraud. I can not log into their website and get specific information on my loan. They keep saying that they are going to send me a multi-factor code, but fail to do so. They insist on sending the code via XXXX or XXXX, yet have not sent it. 
Why can not they just text me a code like every other financial service company?

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

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation