vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I walked into a branch to close an additional account ( savings ) over XXXX and change my mailing address. I was told that the bank representative updated the address and that I would receive a check in 10-12 business days. I waited about 20 days before I made contact via calling to check the status of a refund. I was told that this could take additional time and that I would get a check in the next 10 business days. I waited an additional 10 business days, and when I called back to check the status of my refund, I was told the check was sent and should have been in the mail. I waited about a week, called back Chase when I did not receive a check, and was told that I now have to wait an additional 7-10 business days to report the check as being " lost. '' After talking to them, I called Chase again and was told that I should be able to walk into a branch and get a paper check and that they would not be able to reissue a check and mail it to me. I returned to the same branch where I closed my account, explained this situation, and explained everything to a branch representative. The branch representative had me wait over an hour at the branch only to tell me that they " emailed '' a dept and were waiting for a response and would call me back with a solution. The next day, I did get a call back from the representative to tell me that she was told by Chase customer service that I needed to come into the branch again and fill out paperwork to then be reviewed to get my money from the account I closed. I explained my dissatisfaction and the amount that had been taken out of my schedule to receive MY money. The representative got really defensive right away and started talking over me even though I told her that my frustration was not towards her but rather from an inconsistency and inaccurate information. She continued to get loud with me, and I refused to talk to her and asked her to have her manager call me back. The manager called me back the next day with a very nasty deposition about him and accused me of lying and saying that I did not close my account at his branch. I am filing a complaint for defamation of character and directly accusing me of not closing my account personally at his branch and for the lack of information and having to wait 4 months to get my funds from a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CO

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

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 2025-03-20 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: CO

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

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 2025-03-20 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: NJ

Complaint narrative:
I am writing this letter to exercise my rights as a consumer under the relevant laws, including the Fair Debt Collection Practices Act ( 15 USC 1692g ) and the Metro 2 laws, to dispute the alleged debt that you claim I owe. I kindly request that you provide me with verification of this purported debt. In accordance with the laws, I expect you to furnish proof that this debt is indeed mine. To satisfy the verification requirements, I demand a formal declaration, duly notarized, from an individual with first-hand knowledge of the matter, attesting to the accuracy of the statements and facts associated with this debt.

Since this debt is under dispute, I must remind you of your obligation to cease all collection activities, including any reporting to Experian, TransUnion, and Equifax regarding this matter. 
I hereby explicitly withdraw my consent for any form of communication from your agency. Additionally, I never authorized the release of my personal and private information to your organization, which raises concerns about aggravated identity theft. Moreover, I never consented to the reporting of any information in my name to consumer reporting agencies. 
Your non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act, by sharing my nonpublic personal information with nonaffiliated third parties without providing me with a compliant notice and opt-out opportunity pursuant to 15 USC 6802, further compounds the issues surrounding this matter. 
XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$6400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing this letter to exercise my rights as a consumer under the relevant laws, including the Fair Debt Collection Practices Act ( 15 USC 1692g ) and the Metro 2 laws, to dispute the alleged debt that you claim I owe. I kindly request that you provide me with verification of this purported debt. In accordance with the laws, I expect you to furnish proof that this debt is indeed mine. To satisfy the verification requirements, I demand a formal declaration, duly notarized, from an individual with first-hand knowledge of the matter, attesting to the accuracy of the statements and facts associated with this debt.

Since this debt is under dispute, I must remind you of your obligation to cease all collection activities, including any reporting to Experian, TransUnion, and Equifax regarding this matter. 
I hereby explicitly withdraw my consent for any form of communication from your agency. Additionally, I never authorized the release of my personal and private information to your organization, which raises concerns about aggravated identity theft. Moreover, I never consented to the reporting of any information in my name to consumer reporting agencies. 
Your non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act, by sharing my nonpublic personal information with nonaffiliated third parties without providing me with a compliant notice and opt-out opportunity pursuant to 15 USC 6802, further compounds the issues surrounding this matter. 
XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$6400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1700.00}

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 non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Received credit report with unknown entry. Synchrony Pay Pal credit reported a {$4200.00} charge. Called the co. and would not disclose who opened the account or charges made. Said it make take 60 days. I contacted the FTC and sent them an identity theft report. Today I contacted the local XXXX police department for an identity theft report. They are going to supoena Synchrony for account information. I have contacted the three credit reporting agencies and put a freeze on new credit cards.I have a Pay Pal credit card that has not been used in a year. I cancelled the card this week

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 2025-03-20 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX am submitting a formal dispute regarding late payment entries reported within the past XXXX years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a XXXX application on my mobile device. This XXXX, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : Unknown third parties gained access to my financial login credentials. 
My automatic payment settings were altered without my knowledge. 
This interference led to the late payments that are now inaccurately reflected on my credit report. 
FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident. 
Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me.

Requested Resolution : I am requesting the following actions : Immediate removal of all late payments from the past XXXX years that were impacted by this unauthorized interference. 
A written confirmation verifying that these late payments have been removed. 
A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.

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 2025-03-20 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: NJ

Complaint narrative:
I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THESE ACCOUNTS XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current I am disputing the reported late payment for XX/XX/XXXX on my XXXX  account ( ending in XXXX ). This date is in the future, which indicates a reporting error. Please investigate and correct this inaccuracy. 

XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX - XX/XX/XXXX Payment Status : Current I am disputing the reported late payments from XX/XX/XXXX to XX/XX/XXXX on my XXXX account ( ending in XXXX ). I believe these late payments were reported in error. I request verification with supporting documentation. If they can not be validated, please update them from my credit report. 

XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current I am disputing the reported late payment for XX/XX/XXXX on my XXXX account ( ending in XXXX ). Since this date is in the future, it is inaccurate and should be corrected. Please investigate and update my credit report accordingly. 


Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: NJ

Complaint narrative:
I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THESE ACCOUNTS XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current I am disputing the reported late payment for XX/XX/XXXX on my XXXX  account ( ending in XXXX ). This date is in the future, which indicates a reporting error. Please investigate and correct this inaccuracy. 

XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX - XX/XX/XXXX Payment Status : Current I am disputing the reported late payments from XX/XX/XXXX to XX/XX/XXXX on my XXXX account ( ending in XXXX ). I believe these late payments were reported in error. I request verification with supporting documentation. If they can not be validated, please update them from my credit report. 

XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current I am disputing the reported late payment for XX/XX/XXXX on my XXXX account ( ending in XXXX ). Since this date is in the future, it is inaccurate and should be corrected. Please investigate and update my credit report accordingly. 


Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 2025-03-20 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: NM

Complaint narrative:
XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past XXXX years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a XXXX application on my mobile device. This XXXX, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : Unknown third parties gained access to my financial login credentials. 
My automatic payment settings were altered without my knowledge. 
This interference led to the late payments that are now inaccurately reflected on my credit report. 
FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me.

Requested Resolution : I am requesting the following actions : Immediate removal of all late payments from the past XXXX years that were impacted by this unauthorized interference. 
A written confirmation verifying that these late payments have been removed. 
A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Harpeth Financial Services, LLC
State: SC

Complaint narrative:
I believe my ex boyfriend applied for the loan under my name and fraudulently applied for the loan

Company response to consumer: Closed with explanation