vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
MASTER CREDIT FREEZE REQUEST LETTER For All Credit Bureaus & Secondary Reporting Agencies Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX Subject : REQUEST FOR IMMEDIATE SECURITY FREEZE ON ALL CONSUMER FILES To Whom It May Concern : I am submitting this formal request for a full security freeze ( also known as a credit freeze or file freeze ) to protect my consumer information from unauthorized use, fraud, or identity theft. 

Under the Fair Credit Reporting Act ( FCRA ) and all applicable state laws, you are required to place a security freeze on my consumer file upon request. 

Please ensure that : No third party may access my consumer file No new accounts may be opened in my name No soft or hard inquiries may be performed No credit extensions may be viewed without my express written authorization Please provide written confirmation of the freeze and my PIN/password needed to temporarily lift or remove the freeze. 

Below is my identifying information for verification : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX CERTIFICATION I certify that this request is made by me, the owner of the consumer identity listed above. Please process this freeze promptly in compliance with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-11-16 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: WA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that she will investigate these items for me to ensure accuracy. Heres the item I asked you to verify accurate. 

XXXX XXXX  Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: IL

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft and to request the removal of fraudulent accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B.

Unauthorized accounts have been opened in my name without my knowledge, permission, or consent. These accounts do not belong to me, and I am not responsible for any balances, charges, late payments, or negative impacts associated with them. 
The fraudulent accounts include : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Bank

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 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OK

Complaint narrative:
I have talked to XXXX different customer service agents on the phone. All XXXX of them found discrepancies in my account. They all filed disputes for me. My balance is not right!!! They all say I should have {$70.00} and XXXX overdraft owed!!!! But then when I think they are investigating it, I get an email saying that I need to tell them transaction details. I dont have them. I didnt make them. I didnt even know about them. So I requested my transaction list. I tried to compare that to my statement and can not!!! It doesnt match it at all. There are a bunch of other stuff and a bunch of repeated transactions that dont make sense!!!!! So I asked to speak to a XXXX so they could go through my transactions with me. They wont listen and just keep asking me for information XXXX dont have!!!!! Now they said since I wont submit any info on the transaction details they are closing the case!!!! Cash app is the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: IA

Complaint narrative:
My Chime account was hacked on Saturday XX/XX/year> @ XXXX. I didnt realize until Monday XX/XX/year>. 
I immediately filed claims for the fraud on my account. My claim totaling {$620.00} has been denied. I filed a police report on Wednesday XX/XX/year>. After I filed the report i resubmitted my claim with the case number for it to be denied XXXX hours later. Then I received a phone call from XXXX XXXX at XXXX on Friday XX/XX/year> informing me of his findings of fraud. I have requested the report be sent to me so I can resubmit my claim to Chime. I also have three other claims filed on XX/XX/year> totaling in {$170.00}, that are still pending. I have requested supporting documentation for Chimes findings when my claim for {$620.00} was denied. Still havent received that, they say it can take up to 10 business days but they denied this claim twice and both times only 24 hours after. Why cant I get the documents used, in a just as timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have never authorized XXXX for any bank account. This has been confirmed by both Chase Bank and XXXX. In XXXX, Chase authorized a withdrawal from my account through XXXX. I called Chase regarding the pending withdrawal on XXXX XX/XX/year> and the money was released on XXXX XX/XX/year>. A Vice-President Branch Manager told me my money would be returned on by XXXX XX/XX/year>. I have been in contact with Chase for months trying to be indemnified for my loss to no avail. My letter to Chase, my police report, and the statement from Chase Bank are uploaded for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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:
Experian, TransUnion, and Equifax have failed to correct false identifiersincluding a phone number not associated with meand continue reporting the canceled XXXX XXXXXXXX and Avant accounts despite IRS XXXX filings. These acts violate FCRA XXXX681e ( b ), 1681i, 1681s-2 ( b ) and FDCPA 1692e ( 8 ). I filed identity-theft reports, yet the CRAs did not block the data within four days ( 1681c-2 ( c ) ). This is a pattern of willful non-compliance and UDAAP violations ( 12 U.S.C. 5531 ). Under 12 U.S.C. 5563 ( b ) the CFPB has a continuing duty to investigate and enforce. I request immediate supervisory escalation and enforcement review for systemic FCRA violations.

Under the Freedom of Information Act ( 5 U.S.C. 552 ) and 12 C.F.R. 1070.40 et seq., I request disclosure of all records, communications, internal memoranda, complaint notes, and correspondence exchanged between the CFPB and any credit bureau or furnisher related to my prior disputes and complaints over the past 24 months, including documentation of any supervisory instructions or closure rationales. 

All materials are labeled Exhibits as header.

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 2025-11-16 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:
Experian, TransUnion, and Equifax have failed to correct false identifiersincluding a phone number not associated with meand continue reporting the canceled XXXX XXXXXXXX and Avant accounts despite IRS XXXX filings. These acts violate FCRA XXXX681e ( b ), 1681i, 1681s-2 ( b ) and FDCPA 1692e ( 8 ). I filed identity-theft reports, yet the CRAs did not block the data within four days ( 1681c-2 ( c ) ). This is a pattern of willful non-compliance and UDAAP violations ( 12 U.S.C. 5531 ). Under 12 U.S.C. 5563 ( b ) the CFPB has a continuing duty to investigate and enforce. I request immediate supervisory escalation and enforcement review for systemic FCRA violations.

Under the Freedom of Information Act ( 5 U.S.C. 552 ) and 12 C.F.R. 1070.40 et seq., I request disclosure of all records, communications, internal memoranda, complaint notes, and correspondence exchanged between the CFPB and any credit bureau or furnisher related to my prior disputes and complaints over the past 24 months, including documentation of any supervisory instructions or closure rationales. 

All materials are labeled Exhibits as header.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: IN

Complaint narrative:
I am filing this complaint because I feel the credit bureaus are not taking my disputes seriously, and I believe they are violating my rights under the Fair Credit Reporting Act. Im not a credit expert, but Ive been studying the credit laws and learning how credit reporting is supposed to work. The more I learn, the more I can clearly see that the information being reported about me is inaccurate and the credit bureaus are not correcting it. 

I have a XXXX XXXX account on my reports that shows different information across the three bureaus. They are reporting different months reviewed, different percentages of on-time payments, and different remarks. One version says Closed, another says Account in good standing, and the payment history does not match the actual timeline of the account. The dates of the account are the same, but the data they show is inconsistent, incomplete, and extremely misleading. 

I disputed this, and instead of fixing these issues, the bureaus verified the same inaccurate information almost instantly. That makes me feel like they are not doing a real investigation at all. Based on what Ive studied, the FCRA requires them to ensure maximum possible accuracy and to conduct a reasonable reinvestigationneither of which seems to be happening here. 

I feel taken advantage of because Im doing my part by learning the laws, gathering my documents, and sending proper disputes, but the bureaus are not doing theirs. Their lack of accuracy is hurting my credit profile and making it harder for me to move forward financially. I am asking the CFPB to step in because the credit bureaus are not listening to me, and I dont know where else to turn.

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 2025-11-16 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: WA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several accuracy on my accounts. This account was still hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item Im asking to verify accurate. 

XXXX account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: HYUNDAI CAPITAL AMERICA
State: MN

Complaint narrative:
I hereby request that this financial institution remove any hard inquiries on my credit reports with XXXX XXXX and XXXX XXXX respectfully. My reason is not based upon any fraudulent activity of any kind. My reason is purely based upon the laws of duplicity from a civil perspective. In each of these hard-hit inquiries I was also reviewed on credit from a soft pull inquiry. In that capacity, what was the legal reasoning on looking over my credit once again where the information is the same. These hard hit inquiries have hindered me from acquiring fair credit offers, thus causing financial hardship. The inquiry or inquiries showing up as a hard-hit must in all fairness be deleted. In addition, whenever I applied for a vehicle loan, several companies filed multiple hard inquiries against my credit report. This is without getting direct authorization from me personally, but from a car dealership. Without direct authorization, the credit hard hit is essentially a pure violation of the Fair Credit Reporting Act and does not pass the Legitimate Business Need smell test. Accordingly, I demand the deletion of all hard inquiries. ALL HARD INQUIRIES MUST BE DELETED ACCORDINGLY!!!

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 2025-11-16 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:
Re : Unauthorized Credit Card Account Fraudulent Reporting & FCRA Violations Account Details : Opened : XX/XX/year> Credit Limit : {$700.00} Reported Balance : {$1000.00} Derogatories : Numerous in XXXX Furnisher : [ Creditor Name as listed ] To Whom It May Concern, I am notifying the CFPB that the above credit card account is fraudulent and was not opened, authorized, or used by me. This is a violation of my rights under the Fair Credit Reporting Act. 

FCRA Rights Invoked FCRA 603 ( d ) Unpermitted use of consumer report FCRA 609 ( e ) Fraud documentation requirements FCRA 611 Mandatory deletion of unverifiable accounts FCRA 623 Furnishers duty to report accurate information 15 U.S.C. 1681b No permissible purpose exists Statement This reported account is false. I did not open it, I did not authorize it, and I did not give permission for any creditor to access my credit file. 

Because no authorization exists, ALL reportingincluding late payments, derogatory marks, and the over-limit balanceis invalid and must be removed. 

Demand for Corrective Action I request that the CFPB : XXXX. Compel the furnisher to supply original, signed verification that I opened this account. 
XXXX. Require the deletion of this account if verification can not be produced. 
XXXX. Investigate potential identity theft and unlawful credit file access. 

Without verifiable documentation, continued reporting constitutes a violation of the FCRA and must cease immediately. 

Sincerely, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> at XXXX XXXX I called Capital One about my Platinum card ending in XXXX. I told the representative directly that I would be able to make my payment on the XXXX, and the representative said that was fine. They accepted my promise to pay on the XXXX. 

Since Capital One confirmed that paying on the XXXX was okay, I relied on that agreement. 

However, on my next statement, Capital One added a {$40.00} late fee even though they had already agreed to my XXXX payment date during my call. This contradicts the instruction I received. 

On XX/XX/year>, I spoke to a supervisor named XXXX. She told me that they had already reversed the {$25.00} fee, but she refused to remove the {$40.00} late fee, even though the {$40.00} fee is the one tied to the date that Capital One approved and accepted as my payment promise. 

If Capital One agreed that I could pay on the XXXX and accepted my promise to pay, why was I charged a late fee for paying on the exact date they approved? 

This fee was not caused by me missing the due date ; it was caused by Capital One accepting a payment arrangement and then charging me a fee anyway. 

I am requesting that Capital One review the call recording from XX/XX/XXXX at XXXX XXXX  where my promise-to-pay date was accepted, and remove the {$40.00} late fee that was added despite their agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-16 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section XXXX, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SEACOAST BANKING CORPORATION OF FLORIDA
State: FL

Complaint narrative:
I opened a new Seacoast Bank checking account in branch on XX/XX/year> with code XXXX which had the following bonus details : {$400.00} bonus when you open a new Seacoast Classic, XXXX XXXX XXXX  or XXXX XXXX Checking Account checking account and : Deposit {$50.00} or more at account opening Have a direct deposit of {$1000.00} or more within 60 days of account opening I opened the account with a {$1000.00} deposit, and then received {$1000.00} in Direct Deposits on XX/XX/year>, completing both bonus qualifications. 

I have yet to receive the {$400.00} sign up bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I had a balance on the card which was on promotion with 0 % until the year after ( I dont use the card after this promotion balance until dates I will list later on here ) That statement balance minimum payment was {$150.00} due on XX/XX/XXXX. I made XXXX payments XXXX XXXX XX/XX/XXXX for {$1800.00} and another one on XX/XX/XXXX for {$550.00}. I made XXXX transaction on that card on XXXX, XXXX, XXXX, XXXX, XXXX and when the next statement balance came out due on XX/XX/XXXX I was charged for interest. I called them and they couldnt give me an answer instead they keep on repeating how interest are charged. I asked them how much I needed to pay to not get charge interest, they told me {$3700.00}. I made the mistake of still using the card for XXXX transactions after that on XX/XX/XXXX & XX/XX/XXXX, made a payment of {$3200.00} on XX/XX/XXXX & another payment on XX/XX/XXXX of {$700.00} which was gon na cover all the transactions I made plus {$200.00} more just in case. When the next statement came out for XXXX I was charged another interest of {$44.00}. I called them again and they couldnt give me an answer, when I attempted to follow along and actual do the math of the numbers in the statement and question them about how it didnt add up, they couldnt give me an answer either and they said that didnt know why it shows that number. So they were going to escalate it to someone and I had to call back within XXXX to follow up, I said I was tired of taking to them and explaining them that this was my XXXX call and calls are longer than XXXX every single time, I told them I wanted the interest credit back and n they said ok. Then I asked them how much more I needed to pay to no have to pay interest they said you must pay the last XXXX charges you made, I said ok. I paid {$70.00} additional to what I used. Now Im getting charge interest again. No I have to call them back again for this. This very unprofessional there is something definitely off with them and their system and if you dont pay attention you will get ripped off. I will be paying off my entire balance and cancel this card, Im not dealing with them no more.

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 2025-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: NJ

Complaint narrative:
Hello, I am filing a formal complaint against LoanCare regarding serious issues with the handling of my mortgage escrow account. 

Today, I discovered on my towns tax website that my property has been placed in tax sale status. I have made all of my mortgage payments on time every month. Recently, XXXX transferred my loan to LoanCare, and based on what I am seeing, my property taxes have not been paid through my escrow account as required. 

This is not the first issue I have experienced. Previously, LoanCare failed to pay my flood insurance on time, even after I notified them more than XXXX months in advance. Because of this, I was forced into a higher premium and suffered unnecessary penalties. 

Now I am facing an even more serious problem : my home is listed for tax sale, which is extremely distressing and completely unacceptable. I am fulfilling my obligation by making timely mortgage payments. The failure to pay my taxes is due to XXXX mismanagement, not mine. 

I am requesting urgent assistance and a full investigation into this matter. I need immediate confirmation that : My property taxes will be paid immediately to remove my home from tax sale status. 

All penalties and fees resulting from XXXX errors will be corrected. 

My escrow account will be audited and properly managed going forward. 

This situation is causing me significant stress, and I need this addressed without delay. 
Thank you for your prompt attention.

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