vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I tried to zelle a payment and it was restricted. On XX/XX/XXXX, I tried to get money from ATM and it stated the card was inactive. I called XXXX and they stated my account was closing and they could not give me a reason why. I was LIVID. I do everything legit so why is my account closing. I asked to speak to a Supervisor and a XXXX who was offshore got on the phone and was extremely unprofessional and nasty told me she don't know why I asked to speak to her, she was going to tell me the same as the rep. I asked her if I can get my funds and she said no. This is crazy. I was not notified, and I have deposits coming in. I want my money. I have bills to pay. This is beyond unfair to any consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: NY

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX  XXXX # XXXX Opened : XX/XX/XXXX XXXX XXXX  # XXXX Opened : XX/XX/XXXX XXXX  XXXX XXXX # XXXX Opened : XX/XX/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 2025-10-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX  XXXX # XXXX Opened : XX/XX/XXXX XXXX XXXX  # XXXX Opened : XX/XX/XXXX XXXX  XXXX XXXX # XXXX Opened : XX/XX/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 2025-10-10 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX Late Date Reported XXXX XXXX XXXX XXXX XXXXXXXX XXXX Late Date Reported XX/XX/XXXX XXXX XXXX XXXXXXXX Late Date Reported XXXX XXXX XXXX XXXX XXXXXXXX Late Date Reported XX/XX/XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Thank you for reviewing my complaint regarding Credit Acceptance Corporation and the disputed {$470.00} post-loss interest charge on my auto loan ( Account # XXXX ). 

I want to clarify that I fully understand my Credit Acceptance contract allows interest to accrue until the account is paid in full. However, the issue here is that I made all payments on time and the loan was satisfied through insurance and XXXX payouts. The interest charged in this case was not legitimate daily finance interest, but rather automated system accruals that should have been reversed once the insurer and XXXX made payment. 

Heres the timeline and evidence : XX/XX/XXXX : My vehicle was declared a total loss. 
XX/XX/XXXX : I made my regular monthly payment. 
XX/XX/XXXX : XXXX Insurance paid {$16000.00} to Credit Acceptance. 
XX/XX/XXXX : The lenders payment history shows a reversal of {$230.00} in interest, which proves that at least part of the accrued interest was recognized as an error. 
XX/XX/XXXX : XXXX Insurance paid {$4000.00}, satisfying the remaining balance. 
XX/XX/XXXX : Credit Acceptance still added {$23.00} of interest, leaving a remaining balance of {$470.00}. 

I have never missed or been late on a payment. The entire balance results from system-generated post-loss interest during the claim process not from any contractual breach on my part. 

When I contacted Credit Acceptance, the representative ( Bane ) refused to explain how the interest was calculated, hung up on me, and created an unauthorized payment arrangement for {$470.00} due XX/XX/XXXX, without my permission. I have screenshots of this unauthorized arrangement in my account portal. 

I am not disputing that interest can accrue under the contract ; I am disputing that this particular interest was validly or fairly applied. The companys own actions ( reversing XXXX charge but not the rest ) show inconsistency in their accounting. 

I respectfully ask that the CFPB review this matter and require Credit Acceptance to : XXXX. Provide a complete itemized ledger showing each day interest was accrued and the basis for those calculations. 
XXXX. Remove any unauthorized payment arrangement. 
XXXX. Waive or reverse the remaining {$470.00} as a goodwill correction for improper post-loss interest accrual. 
XXXX. Confirm that no negative credit reporting will result from this dispute. 

Thank you for your time and assistance in reviewing this matter. I appreciate your help ensuring that my account is corrected and closed accurately. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
RE : Request for Removal of Alleged Collection Account XXXX XXXX XXXX XXXX XXXX, XXXX Phone : ( XXXX ) XXXX Account # : XXXX Date Opened : N/A Placed in collections on XX/XX/year> This letter is a formal request under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 regarding an alleged collection account reported under my name, XXXXXXXX XXXX . Under 15 U.S. Code 1681i ( a ), I am exercising my right to dispute information that I believe to be inaccurate, incomplete, unverifiable, or misleading. You are required by law to conduct a reasonable investigation and remove or correct any item that is found to be inaccurate or can not be verified within XXXX  days of receipt of this letter.

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 2025-10-10 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-10 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: TX

Complaint narrative:
I am deeply concerned that the inaccurate accounts remain on my credit reports and have not been deleted. It has been overwhelming and I am pleading that the attached documents be reviewed completely so I can finally stop living with this constant worry.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: GA

Complaint narrative:
Re : Complaint No Confirmation or Completion of Credit Freeze Request Dear LexisNexis Compliance Department, I am submitting this formal complaint regarding LexisNexis failure to respond to my credit freeze request. I submitted a security freeze due to confirmed exposure of my personal information on the dark web. Despite this serious privacy concern, I have not received any confirmation, PIN, or written acknowledgment verifying that the freeze was completed or processed. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-1 ), LexisNexis is legally required to implement a security freeze upon a valid consumer request and to provide written confirmation within XXXX business days. Failure to do so constitutes a violation of my rights under federal law. 

Given that my personal data has already been compromised, this lack of response represents a serious breach of consumer protection obligations. I am demanding immediate confirmation that my credit file has been frozen and that no unauthorized parties are able to access my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Good evening, XXXX Overdraft Protectiom/ Debit Card Coverage was supposed to be turned off. I personally turned off the use through application on XXXX and contacted supervisor at Chase to turn off protection of charges {$34.00} each. They tole me takes XXXX hours for option to take into affect. I was charged XXXX total overdraft charges in month of XX/XX/year> and XX/XX/year>. I requested courtesy credit but was refused multiple times They charges me {$100.00} per day and {$34.00} per instance. I do not want overdraft debit card coverage on my chase account ending in XXXX. Im on limited monthly budget and in bank fees charges {$470.00} in overdraft fees in XX/XX/year> and XX/XX/year> Would you kindly assist in getting these fees reversed by Chase account services. Its a significant amount if money charged by my banking institution and not my responsibility when I keep refusing to half this service. 

Thank you Best Regards XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am filing a new complaint regarding my previous case against the bank concerning my disputed transactions totaling {$3300.00}. While the company marked the case as closed with explanation, the issue has not been resolved, and their recent response contains false and misleading statements about complying with federal disclosure requirements. 

The company claimed that on XX/XX/year>, they mailed the investigation documentation used to reach their decision. However, as of today, I have never received those documents, despite their claim. I will be uploading photos and evidence of all mail I have received from the bank to show that no such documentation was ever sent.

This is not a request to reopen the previous case. My request is specific and clear : I am demanding the complete investigation documentation that the bank relied upon to deny my claim. Under federal regulations ( 12 CFR 1005.11 ), the bank is required to provide these materials upon request within the legally mandated timeline. They have failed to do so and continue to provide conflicting and inaccurate information to the CFPB and to me directly.

This matter needs immediate review and escalation due to : 1. False reporting to the CFPB about mailing investigation materials that were never sent. 
XXXX. Failure to comply with the federal requirement to provide supporting documentation upon consumer request. 
XXXX. Lack of transparency and accountability in their handling of this dispute. 

I respectfully request that the CFPB require the bank to provide : Proof of mailing or tracking of the alleged documents sent on XX/XX/year>. 
A full copy of all investigation records used in their determination. 
A formal explanation for why my initial request for documentation was ignored and why the bank continues to misrepresent its compliance. 

Attached are images and mail records showing all correspondence I have received from the bank, from XX/XX/year> through XX/XX/year>, which clearly demonstrate that their claim of mailing these documents is false. 

Thank you for your time and attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: LA

Complaint narrative:
I am writing to formally file a complaint regarding multiple inaccurate entries on my credit report that have negatively impacted my creditworthiness. Despite my attempts to resolve these issues directly with the reporting agencies and creditors, the inaccuracies persist. 

The following entries are incorrect and require immediate investigation and correction : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Reporting Inaccurately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} Issue : Reported Late Payment incorrectly XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2000.00} Issue : Reported Late Payment incorrectly XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Issue : Reported as Charge Off inaccurately These errors are severely affecting my financial standing and credit score. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information. 

I respectfully request the CFPB to investigate these matters thoroughly and ensure that all incorrect information is removed or corrected immediately. I also request written confirmation of the investigation results and the corrective actions taken.

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 2025-10-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered unauthorized inquiries on my credit report, and I dont understand why its there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: TX

Complaint narrative:
I NOTICED A FRAUD ACCOUNTED LISTED ON MY REPORTS DUE TO THE CREDIT BUREAUS DATA HACK,

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 2025-10-10 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: TX

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history 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 to be 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 21 days before the payment due date. EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 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! Update the late payments from my consumer reports

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 2025-10-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Received a message from a friend that someone called them looking for my information and told them I have a warrant which was never told to me.

Company response to consumer: Closed with explanation