vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
Guarantee the removal of all disputed accounts within lawful timeframes.

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 2025-11-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc

Complaint narrative:
Subject : XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX Dear XXXX Compliance and Legal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX writing to formally request a comprehensive legal and compliance review of the permanent limitation placed on my XXXX account associated with XXXX. 

I respectfully contest the decision and believe it was made in error or based on incomplete information. I am requesting a detailed explanation and an opportunity to address any concerns. 


-- - XXXX. Lack of Specificity in the Limitation Notice The notice I received states that the activity on my account is inconsistent with the User Agreement, but no specific transaction or policy violation was identified. 
For due process and transparency, I formally request : The precise clause ( XXXX ) of the User Agreement allegedly violated The specific activity or transaction that triggered the limitation Any supporting evidence or internal findings related to the decision This information is necessary for me to understand the basis of the action and to provide an appropriate response. 


-- - XXXX. Full Compliance With XXXX Policies To the best of my knowledge, all transactions conducted on my account were legitimate, lawful, and compliant with XXXX policies. If any activity appeared unusual, it was unintentional and without malicious intent. 

I am prepared to provide : Identity verification Proof of address Transaction documentation Any additional compliance-related information I respectfully request guidance on what documents or explanations are required to resolve this matter. 


-- - XXXX. Request for XXXX XXXX XXXX I understand that certain account limitations XXXX be triggered by automated systems. 
Due to the severity of this action, I am formally requesting a manual review by a senior compliance XXXX or legal XXXX. 
XXXX assessments can sometimes misinterpret legitimate activity, and I believe a human evaluation will clarify the situation. 


-- - XXXX. Impact of Permanent Limitation This limitation significantly affects my ability to use XXXX for lawful personal and business-related transactions. As a long-standing user of financial services, I take compliance obligations seriously and would never knowingly violate XXXX policies. 


-- - XXXX. Formal Request for Reconsideration Based on the above, I respectfully request : Reconsideration and reversal of the permanent limitation or A detailed written explanation outlining the exact reason the limitation can not be lifted I am willing to fully cooperate with any additional verification steps or compliance requirements. 


-- - Thank you for your attention to this matter. I look forward to a timely and fair resolution. 

Sincerely, XXXX XXXX XXXX XXXX Reference

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: PA

Complaint narrative:
It is extremely upsetting to see that inaccurate late payments continue to show on my credit report today. I refreshed my browser and they were still there, and I am asking immediately that the documents I provided be examined properly so I can stop worrying about this issue once and for all.

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 2025-11-17 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: ND

Complaint narrative:
I am requesting the immediate removal of the unauthorized transactions and incorrect information on my credit report. These errors stem from a data breach that compromised my personal and financial details, a situation that was beyond my control. Despite my efforts to resolve these issues, I am still dealing with the consequences of reporting failures that should have been corrected long ago. 
The fact that these incorrect and unauthorized entries remain on my report, even with clear evidence of a data breach, is completely unacceptable. This mishandling of my information is damaging my credit score, threatening my financial security, and preventing me from accessing important opportunities. I will no longer tolerate this negligence. 
I insist that you conduct an immediate investigation and remove these errors permanently. Any further delays, inaction, or refusal to comply will be seen as a direct violation of my consumer rights. I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other relevant laws to hold your company accountable.

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 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I have been a victim of ID Theft since XXXX XXXX. 
It started by a job like scam thru XXXX. 
They had my XXXX  and every single other governmental platforms. 
All of my accounts were emptied, including XXXX, XXXX. 
Loans and credit cards were taken under my name. Including a mortgage which I believe I was able to cancel. 

They opened a couple of investment accounts including at XXXX XXXX, XXXX and others. 

To this date, I still have no access to those. I was the IT at my job of 5 years where I got laid off because the company data were compromised under my credentials. 

Lastly after recovering some of the accounts ( in XXXX, where I went to hide from the persecution ). I was located at the airport and my backpack was stolen with my whole life in it and everything I had recovered.

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 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: AR

Complaint narrative:
I was sent a letter from Xact loan stating that I was approved for a loan of {$2500.00} so I accepted the loan however they then turned around and said you owe us {$7800.00} and I noticed the credit score on the paper was wrong so I started looking further into this company this company is running a scam it has a class action lawsuit against them for using illegal interest rates and using a robotic bank system

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP

Complaint narrative:
Issue : Unauthorized / Unfair Monthly Maintenance Fees by U.S. Bank XXXX XXXX Over Two Years I am filing this complaint regarding U.S. Bank and its subsidiary XXXX, which provides merchant credit-card processing services. For approximately 2.5 years, U.S. BankXXXX charged my business bank account a monthly average maintenance fee of {$170.00}, even though I was medically incapacitated and unable to operate my business. 

In XXXX, I contracted severe XXXX while abroad and was XXXX  in XXXX for XXXX months. I then spent more than two years in XXXX, and subsequent XXXX XXXX  in XXXX  in XXXX since to the present. I have medical documentation proving that I was XXXX  and unable to manage or operate any aspect of my business or financial accounts during this time. 

During this period, U.S. BankXXXX continued to debit my account every month. These charges total approximately {$4500.00}. I had no ability to use their services, generate merchant activity, or manage the account. I was never notified of alternatives, suspension options, or hardship accommodations. 

Once I recovered and discovered the charges, I contacted XXXX, and cancelled my account in XX/XX/XXXX to stop the recurring draws. A representative acknowledged the issue and processed a partial reimbursement of {$420.00}, but this represents only a very small fraction of the total fees taken. 

I believe these charges constitute : Unfair billing practices Failure to provide reasonable accommodations during medical hardship Failure to communicate or disclose options for account suspension or closure Retention of fees for services not received or used Given the circumstances, I am requesting that U.S. Bank/XXXX  provide : 1. A full refund of all maintenance fees charged during my medical incapacity ( {$4500.00} ). 

2. A formal written explanation of why continued fees were charged despite long-term account inactivity.

3. A review of their policies regarding medically incapacitated customers and fee waivers. 

Further, I can provide medical records, bank statements, and copies of correspondence with XXXX, including documentation of the partial refund. 

I am requesting CFPB assistance because the company has not addressed the full scope of the problem and is withholding the majority of the improperly charged fees.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am filing a complaint against JPMCB Auto/Chase for incorrect credit reporting , failure to conduct a reasonable investigation of my dispute, and violations of the FTC Holder Rule relating to an auto loan for a vehicle affected by dealer fraud.

I notified Chase in writing of significant seller fraud, including misrepresentation and contract issues by the dealership. I invoked my Holder Rule rights and provided documentation. Chase acknowledged my dispute but performed an incomplete investigation and failed to respond to new evidence I submitted in writing. They never provided the required written response addressing the dealers claims.

Despite the open and unresolved dispute, Chase continued : charging late fees sending collection notices and threats of repossession, even though I was not in possession of the vehicle because it was located at a service facility related to the fraud dispute After the investigation concluded ( although I provided NEW EVIDENCE ), Chase furnished negative and inaccurate credit information to XXXX. 

On XX/XX/year>, Chase reported my account as 30 days delinquent ( Payment Status : GRID CODE 1 ), and on XX/XX/year> this appeared on my credit monitoring. I have attached the screenshot showing Chase ( JPMCB Auto ) reporting me as delinquent in the middle of an unresolved dispute. 

This reporting is inaccurate and misleading, because : 1 The delinquency was directly tied to the sellers misconduct and the unresolved dispute.

2 Chase did not conduct a reasonable investigation as required under the FCRA.

3 Chase ignored new evidence and did not provide the required written response.

4 I was unable to access or retrieve the vehicle due to the fraud and service location.

5 Chase had a duty under the Holder Rule to pause collection and address the seller misconduct.

Reporting me as delinquent under these circumstances is false, harmful, and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Business Revenue Systems, Inc.
State: DE

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a billing issue involving Delaware XXXX XXXX and XXXX separate collection notices for the same medical service. 

The original bill from Delaware XXXX XXXX was for {$570.00}, which I attempted to pay directly in XX/XX/year>, but was unable to do so through their system. 

Subsequently, I received a collection notice from Business Revenue Systems located in XXXX, MA ( Account # XXXX ). I made a partial payment of {$120.00} using my HSA card, and I have attached documentation of this transaction. 

Shortly after, I received another collection notice for the same account and service from a different branch of Business Revenue Systems, this time located in XXXX XXXX, IN, stating a balance of $ XXXX is incorrect and inconsistent with the original bill. 
I do not owe {$730.00}. After my {$120.00} payment, the correct remaining balance should be {$450.00}. 

I am requesting that XXXX  XXXX XXXX : Remove this account from collections, and Provide an accurate and updated balance reflecting the payment already made. 
Allow me to pay the correct balance using my HSA card. 

This situation has caused unnecessary confusion and stress, and I believe the duplicate collection notices and inflated balance are invalid. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
My account with EQUIFAX 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. EQUIFAX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: KS

Complaint narrative:
AMER CR ACPT is furnishing false data to the credit bureaus in violation of FCRA 607 ( b ). The account is paid in full, yet it continues to report a balance of {$1400.00}, an open status, and negative payment history. This is factually inaccurate and materially damaging to my credit standing.

I previously disputed this directly with the bureaus and the furnisher, and the information has not been corrected as required by FCRA 611 and 623.

I am requesting immediate correction and verification, or full removal of the tradeline if accuracy can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was deceived by individuals who impersonated Chase Bank employee 's, specifically claiming to be from chase bank XXXX department. They contacted me by phone, text and email using urgent and convincing language, and instructed me to transfer money in order to " secure " my bank account. Believing they were legitimate Chase representative 's, I completed the transfer. After discovered they were scammers. I contacted Chase immediately after realizing the incident was fraudulent. I Reported everything, including the phone number used and the account that received the funds. Chase 's XXXX department has refused to assist me in recovering the funds or conduct what I believe would be reasonable investigation. I feel the bank failed to protect me, especially given the sophistication of the impersonation scam and their advertised fraud-prevention systems. I am requesting the CFPB 'S assistance in ensuring Chase properly investigate the fraudulent transfer and makes efforts to recover or reimburse the funds. This situation has caused significant financial hardship and emotional stress.

Company response to consumer: Closed with explanation