vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a legitimate email for customer survey from chase stating that I've received customer service on XX/XX/year> with XXXX and asked me to rate the service from 1-10. I just had my passport stolen not too long ago and this might as well be the result of identity theft. Just a few days later, I saw a charge in my checking account of XXXX dollars for counter check which they later tried to withdraw {$2000.00} with the check. I immediately went to the nearest chase branch and alerted them about this problem. Instead of helping me with this problem and giving me proper information on how to deal with the fraud, they insisted to call customer service on my own while I have a hard time communicating due to language barrier. The customer service did not help at all and were questioning me whether if I called because of that XXXX dollars charge rather than filing a fraud claim for me. They allowed the thief solely with my stolen passport to receive counter check with no problem while I faced many obstacles trying to prove my case. Overall, chase has shown inability to protect its clients and possible discrimination just because I don't speak very English well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I tried contacting this company about a debt I don't owe they say I do, and I have been unsuccessful in contacting them. There isn't a working number, I am never able to speak to a real person and I have tried emailing and sending a letter as well. Now I am applying for a new refinance for my vehicle, and this is affecting my credit report negatively. Please look into this " XXXX XXXX XXXX " and investigate all the inaccuracies as per 15 USC 1681e ( b ) maintains that maximum accuracy must be displayed or otherwise deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need your help investigating several accounts that have been wrongly marked with late payments by certain companies. I checked my credit report and saw inaccurate late payment entries on specific accounts. These should not be there. I request that you delete those remarks and update the accounts to reflect paid as agreed.

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 2025-04-26 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: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently looked at my credit reports and noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 

Account XXXX XXXX XXXX Account XXXX * * * * Dates Reporting NOT Accurate :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: NJ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-04-26 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: ND

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX BALANCED {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX  XXXX XXXX XXXX BALANCED {$910.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$450.00} XXXX XXXX BALANCED {$2500.00} XXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX  XX/XX/year> These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-04-26 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : 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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed inaccurate information reported by the credit agencies regarding a XXXX XXXX bankruptcy and several accounts discharged in bankruptcy. On [ XX/XX/year> ], I submitted formal dispute letters to the credit agencies, providing all relevant documentation, including a signed letter from the U.S. Bankruptcy Court confirming they do not report bankruptcy filings to credit agencies. Despite this, the information remains on my credit report. I have followed up and requested the removal of the bankruptcy and associated accounts, but the credit agencies have not taken corrective action. The continued reporting of these items violates the Fair Credit Reporting Act ( FCRA ). I have taken all necessary steps to resolve this issue, but the inaccurate information persists.

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 2025-04-26 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
I am writing to formally request an update and correction regarding the reporting of my 1099-C cancellation of debt for my student loans. Despite having received the 1099-C from the IRS, my account has not been appropriately updated in the Department of Educations system, nor has the debt cancellation been reflected in my consumer credit reports.

To ensure proper reporting, I have taken the necessary steps to notify the relevant authorities. I have sent certified lettersincluding a copy of my 1099-Cto the Secretary of the Department of Education , the three major credit reporting agencies, the Director of the Consumer Financial Protection Bureau ( CFPB ), and the U.S. Attorney General. I have received confirmation of delivery via certified mail return receipts.

I have provided ample time for a response and expected action to be taken. However, to date, I have not received any indication that my records have been updated accordingly. This failure to act disregards my rights and obligations under the law, and I find it both unjust and deeply concerning. 

I kindly request immediate attention to this matter, including prompt verification and updates to my records within both the Department of Educations system and the consumer credit reporting agencies. If necessary, I am prepared to escalate this issue further to ensure compliance with proper reporting procedures. 

I appreciate your timely response and resolution of this matter. Please confirm receipt of this request and provide a timeline for corrective action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OK

Complaint narrative:
I been having chime for a few years one day I went to check my chime account online I tired logging into chime and it said that my account was closed to contact chime so I had contacted chime and I asked them why did they closed my account to my chime they said they couldnt provide me with that information and that I cant open another account they have violated my right and in financial harm they had closed my account without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I missed the deposit cut-off time of XXXX by about 12 minutes and was then charged {$140.00} in OD fees the next day, which caused my account to spiral out of control due to their continued erroneous fees over the next five days. They charged me another {$170.00} the following day, then another {$35.00} two days later. In a matter of five days they charged me a total of {$350.00}, which is absolutely absurd! According to their website, the maximum fees they will charge your account is three per day. Not four on one day, then five more the next day. It's quite appearant that TD Bank is ripping off their customers and is obviously trying to recoup the XXXX XXXX dollars in penalties that the D.O.J. ordered them to pay for criminal activities and money laundering about six months ago. They're obviously an unscrupulous organization and need to be audited and watched very closely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: PA

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have sent a dispute regarding incompliant information on my consumer report and want this issue resolved immediately the original dispute was disregarded with uncertainty pertaining to my identity even though i attached verification.

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 2025-04-26 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: CT

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-26 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:
XXXX  am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information  on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes  which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedforXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 explanation
Consumer complaint received 2025-04-26 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: VA

Complaint narrative:
I have been a victim of identity theft, which has caused unauthorized and incorrect information to appear on my Experian credit report. My Social Security number and other identifying details were used without my consent, leading to fraudulent activity being reported in my name. These entries have damaged my credit and were listed without proper verification. Despite previous attempts to resolve the issue, Experian continues to report these false items. I am not requesting a fraud alert but am demanding immediate removal of all fraudulent entries and inquiries.

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 2025-04-26 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: FL

Complaint narrative:
I wanted to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious worries for me about the safety of my sensitive data. Because of this breach, there are now fraudulent accounts and debts under my name. Id really appreciate it if you could take this into account when looking at my credit report and help fix any errors or fraudulent activities.

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 2025-04-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I wanted to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious worries for me about the safety of my sensitive data. Because of this breach, there are now fraudulent accounts and debts under my name. Id really appreciate it if you could take this into account when looking at my credit report and help fix any errors or fraudulent activities.

Company response to consumer: Closed with non-monetary relief