vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Hello- I have been a Chase United cardholder since XXXX. In XX/XX/XXXX, I was unexpectedly informed that my credit card account had been permanently closed. I only discovered this after my card was declined during a transaction, and I called customer service. At that time, representatives provided limited information and stated that a letter would follow with more details. However, the letter contained no additional explanationonly confirmation of the account closure. 

At the time of closure, my account had a {$0.00} balance, with all payments fully current. I had several upcoming travel plans booked on the card, including flights and a XXXX trip, which were canceled because Chase flagged them as fraudulent and reversed the charges. This caused my XXXX tickets to be rescinded, requiring me to repurchase them out of pocket. I have not yet been reimbursed for this cost, despite multiple follow-ups. 

Since the week of XX/XX/XXXX, Ive contacted Chase several times, but each representative has been unhelpful, repeatedly stating I would receive a response within XXXX hours, which has not occurred. On XX/XX/XXXX, a supervisor informed me that I could not speak directly to the back-end team and said they would follow up via email, advising it could take up to two weeks. As of today, XX/XX/XXXX, I have received no updates. 

To make matters worse, I was informed that Chase has requested refunds from vendors I had valid transactions with months ago, such as XXXX stays. This undermines my reputation with those businesses. 

I am deeply concerned about how this situation has been handled. My account, which has been open for over a year and has consistently been in good standing, is now being labeled as fraudulent without clear justification. I have not engaged in any illegal activity and deserve transparency and the return of my funds, particularly for my XXXX trip. 

Please escalate this matter. I would appreciate a detailed explanation and timely resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 2025-05-06 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: MN

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX Tuesday, XXXX XXXX XXXX Midland Credit Management Inc. 

Re : Dispute of Alleged Debt Dear Sir or Madam, I am writing to formally dispute the validity of the alleged debt in the amount of {$670.00} as reflected on my credit report as a collection account with your agency. I request that you provide proper validation of this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am requesting that you immediately cease all credit reporting activities regarding this account until you have provided adequate validation. The reporting of unvalidated debt may constitute a violation of federal law. 

As a California resident, I am also invoking my rights under Californias Rosenthal Fair Debt Collection Practices Act ( California Civil Code 1788 et seq. ), which mirrors and expands upon the protections offered by the FDCPA. You are required to treat me with fairness and respect in all communications. Any failure to comply with these regulations will be documented and reported to the California Department of Financial Protection and Innovation ( DFPI ), the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ). 

To comply with both federal and California state law, I am requesting the following documentation : 1. Proof that you are authorized to collect on this alleged debt.

2. A copy of the original contract or agreement bearing my signature.

3. A detailed statement accounting for the alleged balance of {$670.00}.

4. The name and address of the original creditor ( currently missing from my credit report ), and the date the account was allegedly opened and defaulted.

5. Documentation showing the chain of custody or sale of the debt, from the original creditor to your agency. 

Until the requested documentation is provided, I request that all collection efforts and credit reporting be halted, as continued attempts to collect on unverified debt may constitute a willful violation of state and federal law. 

Furthermore, if you are unable to validate the debt, I request that you immediately : - Delete this account from all credit bureaus to which you have reported ( XXXX XXXX XXXX XXXX ). 
- Cease all further communication regarding this matter, except to confirm deletion or provide the validation as requested. 

Please be advised that I am keeping detailed records of all communications regarding this matter and will not hesitate to take legal action if my consumer rights are violated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
despite paying my monthly bill on time, never being offered a clear option to opt in or out of overdraft protection, and not going overlimit on my credit card from capital one, capital one charged my external checking account with a XXXX $ overdraft fee. The charge shows as being from capital one but when I called their customer service they stated that everything was on time, up to date, and that not overdraft fee showed. By charging my external bank account it relieves them of liability and freedom to charge my account with overdraft fee for no obvious reason despite me being on time with payments. Capital one also claims to have eliminated overdraft fees and states that they simply will alert you if you card goes over limit while also never asking if i wanted to opt in for overdraft protection in the first place. I believe they are targeting external bank accounts with low funds to charge these fees to as most consumers would assume it is their bank charging the fee and not a bogus transaction attempt from capital one. This correlates with the customer service representative telling me there is no record of transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: OH

Complaint narrative:
1. Inaccurate Credit Reporting This company has reported to credit bureaus that I have made payments and have an active payment agreement on my student loan account. I have never made any payments nor entered into any payment agreement with Edfinancial Services. Reporting such inaccurate information is a violation of the Fair Credit Reporting Act which mandates that furnishers of information must not report information that is known to be inaccurate. 
2. Improper Disclosure to Third Parties The representatives have contacted my father, stating that he could be liable for my student loan balance due to your inability to reach me. This disclosure of my personal financial information to a third party without my consent is a violation of the Privacy Act of 1974 and the FCRA, which restricts the sharing of consumer information without proper authorization. 
3. Mishandling of Loan Forgiveness Eligibility I qualified for student loan forgiveness under the program implemented by the Biden administration. However, this company failed to adequately process or apply this forgiveness to my account. The Consumer Financial Protection Bureau ( CFPB ) has previously sanctioned Edfinancial Services for making deceptive statements to borrowers about loan cancellation and misrepresenting their forgiveness options. This negligence has resulted in continued reporting of a balance of {$2000.00} on my credit report, causing undue harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
My account was restricted on XXXX XXXX and wont let me withdraw my money. They asked me to submit documents to prove that it was me trying to withdraw, and I did. Robinhood told me that on XX/XX/XXXX it would be in review. On XX/XX/XXXX It didnt give me access to my account again. then the process repeated I resubmitted all the information they asked, and they said they will get back to me on XX/XX/XXXX. XX/XX/XXXX comes around and it does the same thing and I resubmit everything and it tells me to wait till XXXX XXXX at this point, I am fed up and want my {$600.00}. Ive seen this company SCAM so many people and now im scared i wont get my money because i have bills to pay with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
I am disputing inaccurate and fraudulent information that continues to appear on my credit reports with XXXX, Experian, and XXXX. I have submitted multiple written disputes over the past two years regarding an account that does not belong to me. This account was temporarily removed but has reappeared and is now being reported as a closed account, which has caused my credit score to drop by XXXX points. 

Despite my requests, none of the credit bureaus have provided documentation verifying the validity of the accountsuch as a signed contract or any payment history. The account in question is from XXXX XXXX XXXX and dates back to XXXX. Reporting this account again in XXXX, with no activity in over XXXX  years, is a clear violation of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681c ( a ) ( 5 ) Adverse information older than seven years should not be reported.

15 U.S.C. 1681s-2 ( a ) ( 1 ) Furnishers must not report inaccurate information.

15 U.S.C. 1681 602 ( a ) My right to privacy has been violated.

15 U.S.C. 1681 602 ( a ) ( 2 ) No information may be provided without my explicit consent, which I never gave.

Additionally, my personal information was compromised in the Equifax data breach, and I am concerned that this fraudulent account may be linked to identity theft or misuse of my data.

I have requested removal of this account and written confirmation of the correction, but the issue remains unresolved. This ongoing situation is causing financial harm and emotional distress.

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 2025-05-06 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: CA

Complaint narrative:
I am disputing inaccurate and fraudulent information that continues to appear on my credit reports with Equifax, XXXX, and XXXX. I have submitted multiple written disputes over the past two years regarding an account that does not belong to me. This account was temporarily removed but has reappeared and is now being reported as a closed account, which has caused my credit score to drop by XXXX points. 

Despite my requests, none of the credit bureaus have provided documentation verifying the validity of the accountsuch as a signed contract or any payment history. The account in question is from XXXX XXXX XXXX and dates back to XXXX. Reporting this account again in XXXX, with no activity in over 22 years, is a clear violation of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681c ( a ) ( 5 ) Adverse information older than seven years should not be reported.

15 U.S.C. 1681s-2 ( a ) ( 1 ) Furnishers must not report inaccurate information.

15 U.S.C. 1681 602 ( a ) My right to privacy has been violated.

15 U.S.C. 1681 602 ( a ) ( 2 ) No information may be provided without my explicit consent, which I never gave.

Additionally, my personal information was compromised in the Equifax data breach, and I am concerned that this fraudulent account may be linked to identity theft or misuse of my data.

I have requested removal of this account and written confirmation of the correction, but the issue remains unresolved. This ongoing situation is causing financial harm and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
I am disputing inaccurate and fraudulent information that continues to appear on my credit reports with XXXX, XXXX, and TransUnion. I have submitted multiple written disputes over the past two years regarding an account that does not belong to me. This account was temporarily removed but has reappeared and is now being reported as a closed account, which has caused my credit score to drop by XXXX points. 

Despite my requests, none of the credit bureaus have provided documentation verifying the validity of the accountsuch as a signed contract or any payment history. The account in question is from XXXX XXXX XXXX and dates back to XXXX. Reporting this account again in XXXX, with no activity in over 22 years, is a clear violation of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681c ( a ) ( 5 ) Adverse information older than seven years should not be reported. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) Furnishers must not report inaccurate information.

15 U.S.C. 1681 602 ( a ) My right to privacy has been violated.

15 U.S.C. 1681 602 ( a ) ( 2 ) No information may be provided without my explicit consent, which I never gave. 

Additionally, my personal information was compromised in the XXXX  data breach, and I am concerned that this fraudulent account may be linked to identity theft or misuse of my data. 

I have requested removal of this account and written confirmation of the correction, but the issue remains unresolved. This ongoing situation is causing financial harm and emotional distress.

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 2025-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: MN

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Credit Reporting Issue Summary : I am submitting this complaint regarding inaccurate and unfair credit reporting by [ XXXX ]. Despite multiple goodwill adjustment requests and attempts to resolve this matter directly, the company has refused to reconsider my situation, which is unjustly impacting my financial well-being. 

Details of the Complaint : Prior to my financial hardship due to unforeseen job loss, I had a strong payment history, consistently making on-time payments and even utilizing automatic payments to ensure financial responsibility. 

My job loss led to temporary financial instability, causing me to fall behind on paymentsnot due to negligence but due to circumstances beyond my control. 

Since that time, I have regained financial stability and am fully capable of managing my loans going forward. 

Despite this, [ Upgrade ] has refused to provide a goodwill adjustment or acknowledge my previously strong credit history, even though similar companies offer such adjustments under the Fair Credit Reporting Act ( FCRA ) guidelines. 

Their failure to review my request in good faith has resulted in a dramatic and unfair decline in my credit score, despite my efforts to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. 

And according to 15 USC 1681s-2 they are suppose to 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I wanted all closed accounts from my file to be removed.

Company response to consumer: Closed with explanation