vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
RE : XXXX  Block Request- XXXX Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Attached are all of the items and dates that needs to be deleted and/or removed due to XXXX XXXX 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX/XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ 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 2025-07-25 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: CO

Complaint narrative:
My information has been compromised in the breach.

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 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XX/XX/year> the credit card company recieved my {$5000.00} payment. 
my account has not been credited even though they recieved my money. My available balance has not changed. 
I called in and spoke to a supervisor who told me it would be 10 days before the account would be credited and th available credit would reflect the {$5000.00} payment. 
I feel as if I have given them an interset free loan for 10 days, they have converted me into a third party lender for 10 days and i am not a bank or banker. 
This is the 3erd time they have done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recently reviewed my credit report and I have tried to reason with the company ( Experian, Equifax, or Transunion ) about this FCRA error on my credit report. I went to the dealership to get a car and the company DID NOT inform me that my credit would be ran 7 additional times. This is a major FCRA violation and against my consumer rights please remove these UNAUTHORIZED INQUIRIES from my account. I did not authorize, had no knowledge of, and/or the number of inquiries exceeded my expectations. These inquiries are harming my ability to obtain new credit. Thank you for your prompt attention to this matter. I demand these UNAUTHORIZED INQUIRIES TO BE REMOVED ASAP! 


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

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 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/year>, Chase Bank closed my solo practice law firm 's bank and credit card accounts because I am supposedly connected with a " publicly reported ' ( but secret ) investigation. Chase will not disclose any other information. I am unaware of any basis for this allegation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint to address two unresolved issues with Bank of America that have cost me money, caused me to go overdrawn and time, and severely damaged my trust in the bank. 

Issue 1 ATM Stole {$110.00} Cash ( XX/XX/year>2025 XXXX XXXX XXXX XXXX ) : I attempted to deposit {$710.00} cash into a Bank of America ATM located inside the XXXX XXXX XXXX branch in XXXX, CA. The machine made strange noises, then returned only {$600.00}. It then displayed a message saying it could not accept the deposit and stopped functioning. I reported this immediately to a teller inside, who said she couldnt help. I called the ATM number, then the number on the back of my card, and filed a claim. I was told Id receive a provisional credit of {$110.00} by Monday, XX/XX/XXXX. Today is XX/XX/XXXX, and I still have not received anything. I have called three times, the most recent resulting in a dropped call. I deposited the remaining {$600.00} with a working teller machine located outside the branch doors. This situation left me with no money after paying rent, and BofA has given me no resolution. Now the account is overdrawn. 

Issue 2 Reversed Subscription Dispute ( {$79.00} XXXX  ) : Over a year ago, I attempted to cancel a XXXX  trial subscription within 12 days. Their website was unclear, so I used the XXXX XXXX app to cancel. I thought it was canceled until I was recently charged {$79.00}. I filed a dispute and received a credit on XX/XX/year>2025, which was then reversed after XXXX claimed I was in a recurring subscription. I have tried to cancel this multiple times and still can not. Technically, to this day, I still believe the account has not been canceled. This charge is unauthorized and unfair, and Bank of America did not advocate on my behalf. Instead, on XX/XX/year>2025, they will be withdrawing {$79.00} from my bank account. I have been trying to cancel XXXX  for almost 2 years, but I have no way to contact XXXX. 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 monetary relief
Consumer complaint received 2025-07-25 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: CarMax, Inc.
State: PA

Complaint narrative:
XXXX vehicle purchased XXXX vehicle was brought back due to mechanical problems/lemon XXXX filed dispute XXXX filed dispute XXXX called customer relations and was advised to send out goodwill letter XXXX sent out letter via certified mail XXXX @ XXXX letter marked delivered via XXXX tracking number XXXX called to inquire about the status of investigation, no status was provided XXXX tried to follow up with with status and still received no information. Even after providing tracking number which showed letter was sent out and received XXXX CarMax called and said letter was received and a time frame or status can not be provided and they don't have a time frame

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: WI

Complaint narrative:
I am a 100 % " service connected XXXX vet '' living in XXXX. I get a refund of property taxes. My mortgage company used a 3rd party vendor to make escrow disbursement payments. However this year they did not make my payment until XX/XX/year>. This negated me receiving my refund due to not paying taxes in " same year '' as required by law. I have submitted this letter of finding and explanation to my mortgage company and have not gotten any response at all in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: OH

Complaint narrative:
Someone had used my name on XX/XX/year> so apply for a XXXX XXXX XXXX card. They were denied but this hard inquiry is on my credit report and I did not apply for this card.

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 2025-07-25 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: OH

Complaint narrative:
Someone had used my name on XX/XX/year> so apply for a XXXX XXXX XXXX card. They were denied but this hard inquiry is on my credit report and I did not apply for this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: OH

Complaint narrative:
Someone had used my name on XX/XX/year> so apply for a XXXX XXXX XXXX card. They were denied but this hard inquiry is on my credit report and I did not apply for this card.

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 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> I had an autopay scheduled for {$50.00} on my Chase credit card. Before the autopay date, I made several manual payments totaling more than the autopay amount. However, Chases system automatically canceled the autopay because I paid more than the scheduled amount. This cancellation happened without any notification or consent from me.

As a result, my account closed the billing cycle with a balance of {$330.00}, which is higher than I expected and above 30 % utilization of my credit limit. This has negatively affected my credit score.

I contacted Chase customer service and was told that if I pay more than the autopay amount manually, the autopay will not be processed. I was never informed of this policy, and I believe it is unfair that Chase makes this decision on my behalf without my approval.

I request that Chase revise this policy, allow autopay to process as scheduled unless I cancel it, and correct any negative impact on my credit report caused by this automated cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
I am writing to formally dispute inaccurate and/or outdated information that appears on my credit report. These inaccuracies are negatively impacting my credit profile and do not reflect my true financial responsibility. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is incorrect or can not be verified. Upon careful review of my credit report, I have found several discrepancies that require immediate attention. These may include ( but are not limited to ) : Incorrect account statuses Accounts that are not mine Items reported as late or delinquent in error Inaccurate balances or credit limits Accounts falsely listed as included in bankruptcy Duplicate entries Unauthorized hard inquiries I am requesting that your agency conduct a full investigation into these matters. If the disputed information can not be verified with proper documentation, it must be promptly removed from my credit report. In support of my dispute, I am including the following documents : A copy of my government-issued ID Proof of current address ( e.g., utility bill or lease agreement ) A copy of the credit report with the disputed items highlighted Any relevant documents supporting my claims I expect the results of your investigation within the 30-day window allowed under the FCRA. Please provide written confirmation when the inaccurate information has been updated or removed. If the investigation does not resolve my dispute, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. Thank you in advance for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunnova Energy Corporation
State: FL

Complaint narrative:
I have previously raised concerns with Sunnova, but my issues remain unresolved. Instead of addressing these matters, Sunnova reported the account to credit bureaus, which has negatively impacted my credit rating.

To obtain necessary documentation regarding this account, I am uploading a letter sent to Sunnova via both XXXX XXXX Mail and Certified Mail. This letter formally requests all documentation related to the account, as Sunnova has not provided the required information in the past. 

Additionally, I have filed a complaint with my local XXXXXXXX XXXX XXXX XXXX. Unfortunately, Sunnova failed to respond to that inquiry as well.

I am taking these steps to formally document my attempts to resolve this matter and ensure all relevant agencies are aware of Sunnova 's lack of response and cooperation.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: OH

Complaint narrative:
I just noticed over the last year there have been thousands of attempts to charge my card by XXXX play. Many times a day, and always different amounts. In the last XXXX  months about XXXX charges went through from XXXX. But it also made me look over the last year where I found many charges to be fraudulent. The whole dispute process was via chat. Anyone else is able to dispute through a normal process, but not my cash app account. They asked if I had supporting evidence and wanted the screen shot of the transactions. " Via email '' which they claimed to not receive. And the chat options, you aren't able to send them through there, but it's the only way I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Subject : Delayed Funds Availability on Check Deposit Chase Bank To Whom It May Concern, I am submitting this complaint regarding JPMorgan Chase Bank ( Chase ) and their failure to make deposited funds available in a timely manner, consistent with their stated policies and federal guidelines under Regulation CC ( 12 CFR 229 ). 

Issue Description : On XX/XX/year> at approximately XXXX est. Well before the XXXX deadline to be processed same day. I deposited a check in the amount of {$1200.00} into my Chase checking account ending in XXXX. The deposit was made via ATM, and per Chases advertised policy and my prior experience, I reasonably expected the funds to be available on the next business day. 

However, the funds were not made available as expected. Instead, Chase placed a hold on the check until XX/XX/XXXX, which resulted in an unnecessary delay of 7 days. I was not provided with a clear or sufficient explanation for the extended hold, nor was I made aware of any specific reason the check was considered high-risk or problematic. The check was from a reputable financial institution and there were no prior issues with similar deposits. 

Concerns : Chase did not notify me promptly or adequately explain the reason for the delayed funds availability. 

The extended hold appears to violate or fall outside the next business day availability requirement outlined in Regulation CC unless specific exceptions apply. 

This delay negatively impacted my ability to access funds needed for time-sensitive obligations, potentially causing financial hardship and unnecessary stress. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last XXXX of Acct : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2025, I attempted to book a flight through XXXX using my Citibank debit card in the amount of {$700.00}. The booking failed I never received a confirmation number, and XXXX confirmed there is no completed booking and no transaction to reverse. 

Despite this, Citibank placed a pending authorization hold on my checking account for the full amount. I contacted XXXX, and they confirmed that the charge was not successful and no funds were captured on their end. 

I then contacted Citibank and spoke to multiple representatives, including a supervisor with XXXX : XXXX, and was given Case XXXX XXXXXXXX. I explained that this was a failed transaction and that the merchant confirmed they would not be completing the charge. I requested that the funds be manually released. 

Despite this, Citibank refused to release the hold and insisted I wait out the full authorization period, even though there is no active transaction from the merchant. 

This situation is creating financial strain because I need the funds as soon as possible and can not wait, and I believe its inappropriate for Citibank to continue holding funds tied to a failed debit card transaction that the merchant can not and will not process. I am requesting that Citibank release the funds immediately and stop wrongfully retaining customer money without a valid transaction. Thank you!

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 2025-07-25 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: Fig Tech Inc.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief