vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Complaint Description : In XXXX, my federal tax refund was delayed due to an audit and was only recently released. I used the XXXX software to file my taxes. As part of that process, my refund was first sent to XXXX XXXX, which was responsible for collecting the filing fees. XXXX XXXX  then sent the remaining refund to Chase Bank on XX/XX/XXXX Chase issued a cashiers check in the amount of XXXX and mailed it to my old address, where I no longer reside, delivered on XXXX never received the check. I contacted Chase, and they confirmed the check had not been cashed. I was instructed to complete and submit a Declaration of Lost, Stolen, or Destroyed Check, which I did on XX/XX/XXXX through a Chase employee named XXXX XXXX XXXX. 

Despite fulfilling all of their requirements, I was told there are no exceptions to the 30-day waiting period before a replacement check can be issued. This policy is causing me serious financial hardship, and I have already spent weeks trying to get the check reissued with no urgency or flexibility from Chase. 

Additionally, I no longer have an open account with Chase, as it was closed in XX/XX/XXXX. This prevents me from accessing any updates or support through their digital platforms. 

I am requesting a full investigation and immediate reissue of my refund check. I have followed all instructions given by Chase, and withholding my legally owed funds under these circumstances is unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NV

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7400.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$29000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-24 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: WI

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 : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: AL

Complaint narrative:
CFPB Complaint - Failure to Provide Debt Validation Notice as Required Under FDCPA Subject : Debt Collector Failed to Provide Required Debt Validation Notice Within 5 Days of Initial Contact To Whom It May Concern : I am submitting this complaint regarding a violation of the Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX XXXX XXXX. I was contacted by this debt collector regarding an alleged debt, but I was never sent a written notice of the debt within five ( 5 ) days of the initial communication, as required by 15 U.S.C. 1692g ( a ). Under the FDCPA, a debt collector must provide the consumer with a written notice containing : - The amount of the debt ; - The name of the creditor to whom the debt is owed ; - A statement that unless the consumer disputes the debt within 30 days, it will be assumed valid ; - A statement that if the consumer notifies the debt collector in writing within 30 days that the debt is disputed, the debt collector will obtain verification of the debt and mail it to the consumer ; - A statement that upon written request within the 30-day period, the debt collector will provide the name and address of the original creditor, if different from the current creditor. I have not received any such written notice. This is a clear violation of federal law, and I am requesting that this matter be investigated by the Consumer Financial Protection Bureau ( CFPB ). Request for Relief : - That the debt be removed from all credit reporting agencies due to the violation of FDCPA ; - That the debt collector be held accountable for failing to follow the proper notification procedures ; - That any collection efforts be ceased immediately unless and until a proper validation notice is sent. Attached is any relevant evidence of the communication I received and proof that no validation notice was sent to me. Please confirm receipt of this complaint and advise me of any further steps. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, AL, 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 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX Steel Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Debt Validation Request Under the FDCPA To Whom It May Concern, I am writing in response to a communication I received regarding a debt allegedly owed to XXXX. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting a validation and verification of the debt you claim I owe.

Please provide the following documentation : 1. The exact amount of the debt ; 2. The name of the original creditor ; 3. A copy of the original signed agreement or contract ; 4. Evidence that yo
u are authorized to collect this debt ; 5. A detailed account of the debt 's history, including any transfers of ownership. 
Until this information is provided, I am requesting that you cease all collection activity and refrain reporting this account to any credit reporting agencies. Any attempt to collect on this debt without from proper validation is a violation of federal law. 
If you are unable to validate this debt, please remove any negative or inaccurate entries related to it from my credit reports with all major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NJ

Complaint narrative:
XX/XX/XXXX I used my debit card at atm, I withdrew {$500.00} but only {$60.00} came out.. I reported it to my bank Chime so they issued a credit to my account then reversed the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: SC

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 XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing a complaint against Bank of Americas mortgage division for how they handled my mortgage prequalification inquiry. I contacted them to find out what I needed to qualify for a home loan. A representative told me I had a derogatory account reporting on my credit file, which I disputed and explained had already been removed. I was told I would not qualify due to this information. However, the account in question is not listed on any of my credit reports ( XXXX XXXX XXXX  ) or in XXXX, which they referred me to for verification. The representative also stated they lump all of my credit scores into one score, which I was not provided. Additionally, they claimed they could not access my XXXX  report, despite there being no freeze or restriction on my file. 

This interaction resulted in a hard inquiry being placed on my credit report, even though the information used to deny me was inaccurate and unverifiable. This has caused an unnecessary drop in my credit score and created confusion in my mortgage application process. I request that the hard inquiry be removed, the source of the derogatory information be disclosed, and Bank of America provide full documentation of how this decision was made.

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 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: WA

Complaint narrative:
I requested an international wire transfer for the purpose of buying a condo in XXXX. In the course of providing information, the bank, Etrade bank, a subsidiary of XXXX Morgan XXXX, restricted my account to the extent that I was unable to access ATMs, paying by check, making auto payments, ACH transfers, just about all functions. I believe this restriction was initiated XX/XX/XXXX. Promises were made by bank personnel that assured me that they were working on it. They refused to tell me what was the concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-24 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: KY

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 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-24 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 disputing a tradeline from " XXXX '' on my credit report. The account lists a closed date of XX/XX/year>, which is impossible and clearly a system error. Additionally, the past due amount, payment history, and monthly payment fields are shown as XXXX XXXX '' making the account unverifiable and inaccurate. 
Despite a prior dispute, the account still appears with a remark saying " meets FCRA requirements '' - even though it violates FCRA standards under 15 U.S. Code 1681i and 1681e ( b ).

I submitted a formal dispute to the credit bureaus and am attaching that letter. I request that the CFPB ensure this account is removed from my reports immediately due to its unverifiable and erroneous nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing a tradeline from " XXXX '' on my credit report. The account lists a closed date of XX/XX/year>, which is impossible and clearly a system error. Additionally, the past due amount, payment history, and monthly payment fields are shown as XXXX XXXX '' making the account unverifiable and inaccurate. 
Despite a prior dispute, the account still appears with a remark saying " meets FCRA requirements '' - even though it violates FCRA standards under 15 U.S. Code 1681i and 1681e ( b ).

I submitted a formal dispute to the credit bureaus and am attaching that letter. I request that the CFPB ensure this account is removed from my reports immediately due to its unverifiable and erroneous nature.

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 2025-07-24 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: FL

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 XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently applied for a vehicle on XX/XX/XXXX and I was told I had too many inquires on my report. I have attached a dispute that my local police department instructed me to fill out. This is affecting my credit tremendously. Please let me know if there is any other information that is needing so that I am able to get it sent over promptly. 
thank you in advance inquires that were not done with my knowledge or consent listed as follows XXXX XXXX XX/XX/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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-24 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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Previous Address I live at they will not delete also unknown names and all old phone numbers XXXX. XXXX XXXX XXXX, XXXX Illinois XXXX No such Address in Illinois  XXXX. XXXX XXXX XXXX have never used this name fraud XXXX. XXXX XXXX XXXX XXXX XXXX phone # 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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Previous Address I live at they will not delete also unknown names and all old phone numbers XXXX. XXXX XXXX XXXX, XXXX Illinois XXXX No such Address in Illinois  XXXX. XXXX XXXX XXXX have never used this name fraud XXXX. XXXX XXXX XXXX XXXX XXXX phone # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: PA

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 non-monetary relief