vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unle
ss ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I had direct deposit for XXXX and my account was hacked causing a hold be placed on it back in XX/XX/2024. As advised I kept the account open. Then I received a letter from CHASE stating that they closed the account anyway and refunded minus the account overdrawn amount in enclosed check. I went to the XXXX branch and asked why? And explained that this was going to delay bills being paid because they closed the account. They replied with there was nothing they could do. By now it's been XXXX  months and no check of {$1400.00} has made it to me. I call the social security department on XX/XX/XXXX and explain situation. They said visit a main office in XXXX. I go to them and explain the missing check, they say they can't investigate the funds without a letter from CHASE stating how they did an investigation and can show they returned the money to the US treasury. I make a fifth visit to chase branch in XXXX in XX/XX/XXXX and they refused to give me a print out of the check being scanned into their system and who returned it. Now this is my last hope because no one can tell me where my money went or help repair/replace my credit score back to XXXX as it was of XXXX because I was showing payments on time until this occurred, through no fault of mine. Chase also refused to refund my account for all the fraudulent transactions that happened in this same account starting last XXXX of XXXX  with a housing scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Somebody hacked and locked me out of my account I cant gain access experian isnt helping me resolve the situation

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
I made a payment over the phone with a representative from XXXX on XX/XX/XXXX for the payment due XX/XX/XXXX. In XXXX I received a letter stating that the loan was being transferred to XXXX and that all payments after XX/XX/XXXX would need to be made to AQUA. I made the XXXX payment to XXXX on XX/XX/XXXX and the XXXX XXXX on XX/XX/XXXX. The XXXX and XXXX payments were made to AQUA. I did not find out that there was a late payment reporting to the XXXX bureaus until I applied for another loan in XX/XX/XXXX. I immediatly called and asked for a payment history from both companies. AQUA sent me a history and I noticed that they did not show a payment made in XXXX to XXXX. I called XXXX and they told me the loan wasnt theirs anymore and they couldnt help me. I have since discovered that for some reason, XXXX  never processed the payment through my bank in XXXX, I have no idea why this happened but I have never had a 30 day late on any qccount with this company over the XXXX years that I have been with them. Both XXXX  and AQUA are reporting this loan to the credit bureaus as an active loan with a balance which is false. XXXX  should be reporting closed, transferred with a XXXX balance as of XXXX. AQUA is reporting the account as active and open with a XXXX  day late in XXXX which is also not correct. ALL of this violates the FCRA and I would like the companies to correct all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was paid {$2000.00} by a company I worked for in XXXX. It was my first job in the XXXX. I deposited the check through Chase mobile app, and it showed pending for weeks. 

During that time, I contacted Chase multiple times and was told different things each time that the money would be available in XXXX weeks, that they needed confirmation from the issuer, etc. I followed every instruction they gave. My former employer even went to his own bank multiple times to help me, and eventually came with me to Chase in person. But the staff kept changing their demands first an ID, then a phone number registered to the XXXX, which no longer exists. 

Because of this situation, I lost that job and was left without money. I tried everything I could, and I just want whats fair. Chase closed my account and never gave me back the {$2000.00}. I dont understand why this happened. 

This issue caused me a lot of stress and financial hardship during a difficult time. I just want to be treated fairly. 

Attachments : 1. Scan of the original {$2000.00} check the payroll check I deposited via Chase mobile app in XX/XX/year>. 
XXXX. XXXX from Chase app shows pending deposit and expected availability date ( XX/XX/year> ). 
XXXX. Email from Chase notification about unexpected account closure. 
XXXX. Previous XXXX-issued checks to show payment history and legitimacy of the sender. 
XXXX. Screenshot from employer confirms that {$2000.00} was withdrawn from their account. 
6. Photo ID ( if needed ) optional, to verify identity if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I served XXXX XXXX XXXX with a cease-and-desist under the FDCPA, which prohibits all collection communications, including reporting to credit reporting agencies. Yet this account still appears on my consumer report. I demand its immediate deletion. Failure to do so after proof of the cease-and-desist will constitute violations of : 15 U.S.C. 1681e ( b ) requiring maximum possible accuracy through reasonable procedures ; 15 U.S.C. 1681i ( a ) obligating a reinvestigation within 30 days or removal of any unverified information 15 U.S.C. 1681e ( b ) Duty to Assure Maximum Possible Accuracy This section of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to : " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' If I inform the credit reporting agencies that collection activity should have ceased due to a valid cease and desist letter sent under the Fair Debt Collection Practices Act ( FDCPA ), and they fail to investigate or remove the information accordingly, you may be violating this section by reporting unverified, misleading, or inaccurate data. 

and 15 U.S.C. 1681i ( a ) Duty to Reinvestigate Disputed Information Once you've disputed the accuracy or legality of the account 's reporting, the credit reporting agency is required to conduct a reasonable reinvestigation within 30 days, or delete the information if it can not be verified. 

Failure to investigate whether the account is still lawfully collectable especially after a cease and desist could be seen as negligent or willful noncompliance. 

I have attached a copy of the Cease and Desist Letter as proof.

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 2025-06-24 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: FL

Complaint narrative:
On XX/XX/year>, I served XXXX XXXX XXXX with a cease-and-desist under the FDCPA, which prohibits all collection communications, including reporting to credit reporting agencies. Yet this account still appears on my consumer report. I demand its immediate deletion. Failure to do so after proof of the cease-and-desist will constitute violations of : 15 U.S.C. 1681e ( b ) requiring maximum possible accuracy through reasonable procedures ; 15 U.S.C. 1681i ( a ) obligating a reinvestigation within 30 days or removal of any unverified information 15 U.S.C. 1681e ( b ) Duty to Assure Maximum Possible Accuracy This section of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to : " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' If I inform the credit reporting agencies that collection activity should have ceased due to a valid cease and desist letter sent under the Fair Debt Collection Practices Act ( FDCPA ), and they fail to investigate or remove the information accordingly, you may be violating this section by reporting unverified, misleading, or inaccurate data. 

and 15 U.S.C. 1681i ( a ) Duty to Reinvestigate Disputed Information Once you've disputed the accuracy or legality of the account 's reporting, the credit reporting agency is required to conduct a reasonable reinvestigation within 30 days, or delete the information if it can not be verified. 

Failure to investigate whether the account is still lawfully collectable especially after a cease and desist could be seen as negligent or willful noncompliance. 

I have attached a copy of the Cease and Desist Letter as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: WA

Complaint narrative:
I made the transaction on dated XXXX XX/XX/year> on XXXX transaction for the amount of {$1500.00}, XXXX XXXX XXXXXXXX for the Reference Number XXXX. It's been more than 3 days still I haven't received my money in my XXXXXXXX XXXX XXXX XXXXXXXX. 
This transaction made with XXXXXXXX XXXX XXXX XXXXXXXX debit card. Amount has been deducted in my account in the same day ie XXXX XX/XX/year> but money not yet transferred to my XXXX XXXX  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: IL

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 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 2025-06-24 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: VA

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes 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. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-06-24 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: FL

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes 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. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
A lien was placed on my home for a debt my son owes who is a XXXX My son is not on the deed but a lien still was placed on my home. I didn't know a lien was on my home until I tried to get a home equity loan. velocity failed to one communicate with the owner. just because my son and I have the same name they decided to handcuff me. Now giving me a hard time to correct their mistake.

Company response to consumer: Closed with explanation