vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, owner and sole proprietor of XXXX XXXX XXXX and XXXX, originally established in XX/XX/XXXX in XXXX XXXX, XXXX. I obtained my XXXX XXXX XXXX and XXXX XXXX at the time of formation and reopened the business in XX/XX/XXXX. 

Since reopening, Ive conducted business as usualincluding depositing service payments and receiving direct deposits from XXXX  and appliance manufacturers. However, I am now facing an unacceptable and unresolved issue with Chase Bank, which has withheld {$330.00} of my funds despite my full compliance with all verification requirements. 

XXXX of Events XX/XX/XXXX Deposited three business checks and received a XXXX  deposit. 
Shortly after my third job, I noticed the account had been frozen without notice. 

XX/XX/XXXX XXXX Chase and was told funds would be released by XX/XX/XXXX. 

XX/XX/XXXX Called again and was informed that the account was under pending closure. 
I notified Chase that I would visit a branch the following Monday to verify my business. 

XX/XX/XXXX Attempted to log into my account but access was revoked. 
Called and was told my account was closed on XX/XX/XXXX without prior notification. 

XX/XX/XXXX Called to ask how to retrieve my balance. 
Was told a refund check had been issued to an outdated address, and I should wait two weeks and update my address. 

XX/XX/XXXX XXXX PM Reported the check had not arrived. 
Directed to go to a local branch for a check to be printed on-site. 

XX/XX/XXXX XXXX PM At the branch, an Account XXXX contacted Chase customer service with me. 
We were told the check had never been issued and that I would need to present a court document. 

Later that afternoon Called the fraud department again, and was told two forms of documentation proving the legitimacy of my business would suffice. 
I returned to the branch with the Certified Assumed Name Certificate ( XXXX XXXX, sealed ) and IRS XXXX confirmation letterthe same documentation I used to open accounts in XXXX and XXXX. 
The Account XXXX again assisted me, but the fraud department then claimed that original paper documents were not sufficient proof. 
The branch XXXX attempted to intervene but was also unsuccessful. 

This entire experience has been confusing, inconsistent, and damaging to my business. I have provided legitimate and certified business documents on multiple occasions, complied with all procedures, and still have not received my own funds. The behavior exhibited by Chase Bank raises serious concerns of unlawful withholding and a lack of clear internal communication, particularly between customer service and the fraud department. 

I am requesting the immediate release of the {$330.00} owed to me, along with a formal written explanation for the denial and mismanagement of my account. 

Sincerely, XXXX XXXX XXXX XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This is a separate and new dispute, not a duplicate, and is being filed based on newly discovered information as of XX/XX/year>. I am formally disputing the continued reporting of a closed collection account from Portfolio Recovery Associates ( account number ending in * XXXX ), listed on my Equifax credit report with a balance of {$1000.00}. This is a case of identity theft or fraud. I did not open this account, authorize its creation, or have any knowledge of this debt prior to its appearance on my credit file. Despite multiple requests, Portfolio Recovery Associates has failed to provide any original documentation verifying that I am responsible for this debt. No signed agreement, no original application, and no proof of consumer authorization have been presented. The only materials Ive received are generic cardholder or debt buyer documents that do not legally establish a valid consumer relationship. Under the Fair Credit Reporting Act ( FCRA ) 602A ( 4 ), 609 ( a ) ( 1 ), 609 ( e ), and 611 ( f ), I am exercising my right to dispute this account as the result of identity theft without submitting a police report, which is permitted under federal law. Additionally, the tradeline is inaccurately reported as both Closed and carrying a balance a clear contradiction that violates XXXX XXXX reporting standards and FCRA 607 ( b ), which mandates that all reported information be accurate and complete. Narrative codes 167 and 057 are vague and do not clarify the nature of this account or establish any legitimate ownership. Because this account remains unverifiable and no legal validation has been provided, FCRA 611 ( a ) ( 5 ) ( A ) requires its immediate and permanent deletion from my credit report. I request that XXXX  and Portfolio Recovery Associates confirm the deletion of this tradeline and provide a complete copy of any documentation used to verify this debt, including the method of verification and the original signed contract, if such exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime decided to lock everyones accounts with a message that says " no internet. '' We cant log in to access the chat feature and chime wont answer the phone. They say to hold for XXXX minutes everytime XXXX minutes passes. I cant access my card unlock feature to buy food or pay for anything. My XXXX check gets disposited into that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
on XX/XX/year> a mobile deposit check was deposited in my bank account with Regions financial Bank ( not by me ) for the amount of {$1300.00}. This was at no fault of mine. because of this Regions financial is now reporting to XXXX XXXX XXXX for checking account fraud.

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 2025-06-21 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: FL

Complaint narrative:
I obtained my personal credit report to purchase a car and I was denied due to me having accounts on my personal credit report that doesnt belong to me. I have reached out to the credit bureaus and advised them of the accounts I didnt authorize and they are still being reported to my credit report. I am out of options and I need to obtain a car and I should not be liable for accounts I did not authorize on my credit report. Can you please help me? I have attached the accounts and account numbers of the items that do not belong to me. Please help.

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 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I didn't authorize this account to be open in my name. 
Fcra 605b-1681c-2 Please remove this account off my name

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 2025-06-21 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: AL

Complaint narrative:
I am writing to formally dispute several unauthorized credit inquiries that appear on my consumer report. These inquiries were not initiated or authorized by me and therefore constitute a violation of federal law under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b.

LEGAL BASIS : Under 15 U.S. Code 1681b ( a ) ( 2 ), a consumer reporting agency XXXX furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have never provided written consent or authorization to the following entities to access or pull my credit report, and their inquiries constitute a breach of federal law and my consumer rights. 

Furthermore, 15 U.S. Code 1681c2 requires that a consumer reporting agency must block and remove any information resulting from identity theft or unauthorized access within XXXX business days of receiving proper documentation. 

UNAUTHORIZED INQUIRIES TO BE REMOVED : Please immediately investigate and delete the following inquiries from all versions of my consumer report ( Experian, Equifax, and TransUnion ) : DEMAND FOR ACTION : I demand that you : XXXX. Immediately delete all unauthorized inquiries listed above. 


XXXX. Cease and desist from allowing any further access to my consumer report without my express written consent. 


XXXX. Provide written confirmation that these inquiries have been deleted from my file. 



Failure to comply with this request XXXX result in legal action, including the pursuit of statutory damages under FCRA Section 616 ( 15 U.S. Code 1681n ) and actual damages under Section 617 ( 15 U.S. Code 1681o ). 

This letter serves as formal notice under the FCRA and any continued reporting of these unauthorized inquiries will be viewed as willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally dispute several unauthorized credit inquiries that appear on my consumer report. These inquiries were not initiated or authorized by me and therefore constitute a violation of federal law under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b.

LEGAL BASIS : Under 15 U.S. Code 1681b ( a ) ( 2 ), a consumer reporting agency XXXX furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have never provided written consent or authorization to the following entities to access or pull my credit report, and their inquiries constitute a breach of federal law and my consumer rights. 

Furthermore, 15 U.S. Code 1681c2 requires that a consumer reporting agency must block and remove any information resulting from identity theft or unauthorized access within XXXX business days of receiving proper documentation. 

UNAUTHORIZED INQUIRIES TO BE REMOVED : Please immediately investigate and delete the following inquiries from all versions of my consumer report ( Experian, Equifax, and TransUnion ) : DEMAND FOR ACTION : I demand that you : XXXX. Immediately delete all unauthorized inquiries listed above. 


XXXX. Cease and desist from allowing any further access to my consumer report without my express written consent. 


XXXX. Provide written confirmation that these inquiries have been deleted from my file. 



Failure to comply with this request XXXX result in legal action, including the pursuit of statutory damages under FCRA Section 616 ( 15 U.S. Code 1681n ) and actual damages under Section 617 ( 15 U.S. Code 1681o ). 

This letter serves as formal notice under the FCRA and any continued reporting of these unauthorized inquiries will be viewed as willful noncompliance.

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 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Scam calls from someone purporting to be Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: TN

Complaint narrative:
b"I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax's actions may also contravene the Consumer Financial Protection Act (CFPA), 12 U.S.C.  5536(a)(1)(A)-(B), as highlighted in the CFPB's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax's actions may also contravene the Consumer Financial Protection Act (CFPA), 12 U.S.C.  5536(a)(1)(A)-(B), as highlighted in the CFPB's recent administrative proceeding (File No. 2025-CFPB-0002) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate.  -ROYAL FURNITURE COMP 103069 -BANKRUPTCY DISMMISED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On each of my credit reports there is a XXXX balance. XXXX paid off. YET they are reporting monthly to each bureau. Past do amounts.

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 2025-06-22 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: GA

Complaint narrative:
I XXXX XXXX have been trying to dispute to Transunion to remove an account that was reported on my transunion report in XXXX XXXX in XXXX. Finally, the creditor-In relations to a " joint '' account for rental agreement had deleted me from that joint account and sent a letter for removal to Experian. Experian immediately removed the reported closed account in XX/XX/XXXX. Currently, I am trying to TELL THE incompetent Transunion people to removed that account and sent in the removal letter as well it has been removed from Experian. Aren't ALL three credit bureaus suppose to show the same data on each reports? 

REGARDING their completion of investigation!! 
Report Created On : XX/XX/XXXX Transunion File Identification Number : XXXX Report Created On : XX/XX/XXXX Transunion Reports : You currently have a dispute in review. 
Submitted XX/XX/XXXX Dispute : 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 2025-06-21 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 if 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 2025-06-21 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: GA

Complaint narrative:
This is a new and separate dispute, submitted based on newly discovered information as of XX/XX/year>. I am disputing the charge-off account reported by XXXX XXXX XXXX BANK XXXX account ending in * XXXX ), which appears on my Equifax credit report with a balance of {$1200.00}. I assert that I did not open or authorize this account. This is a case of identity theft or fraud, and I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) 605B, which allows consumers to dispute accounts resulting from identity theft or fraud without the need to submit a police report. To date, neither XXXX XXXX nor Equifax has provided any signed contractual agreement bearing my signature, any full transaction history, nor any legally sufficient proof that I authorized this account. The only materials Ive received consist of generic cardholder agreements and billing statements that I do not recognize neither of which meet the burden of proof under FCRA 609 ( a ) ( 1 ). A signed agreement and documented authorization are required to legally validate and continue reporting this account. In addition, no IRS XXXX XXXX has been issued for the charged-off balance over {$600.00}, which is required by 26 U.S. Code 6050P if the debt was canceled or forgiven. This raises further doubt about the legitimacy and legal compliance of this reporting. Furthermore, I never authorized any credit inquiry by this company, and no permissible purpose under FCRA 604 ( a ) has been demonstrated. The account is also non-compliant with Metro 2 reporting standards. It is marked as a charge-off and closed but continues to report with a balance and vague narrative codes ( 067, 002 ), creating conflicting and misleading reporting. This violates FCRA 607 ( b ), which requires furnishers to report with maximum possible accuracy. Because this account is unverifiable, unauthorized, and non-compliant with federal law, I request its immediate and permanent deletion from my credit file under FCRA 611 ( a ) ( 5 ) ( A ). Please confirm this deletion in writing or provide all legally required validation materials.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX XXXX and fraudulent accounts and hard inquiries have been added to my credit reports. Under FCRA 15 U.S.C. 1681c2, I am requesting these accounts and inquiries be permanently blocked from my credit report. Ive included a list of the accounts and inquiries in question, as well as documentation supporting my claim ( FTC identity theft report, etc. ). Ive already attempted to dispute these items with the bureaus directly.

Company response to consumer: Closed with non-monetary relief