vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, a XXXX XXXX  and XXXX  who has been actively investing in XXXX real estate, particularly in XXXX Florida and XXXX. I am currently in the process of obtaining my XXXXXXXX XXXX XXXX having invested {$800000.00} in a XXXX real estate project. I am a XXXX tax-paying resident and recently filed my first full-year XXXX tax return for 2024. My familys net worth exceeds {>= $1,000,000}, entirely in XXXX real estate assets with no debt, built over two decades of business activity.

I have maintained banking relationships in the United States for several years, both personally and through my businesses, without incident. However, my account with Chase ( XXXX XXXX, XXXX Acct. No. XXXX ) was recently closed without clear explanation. This disruption has caused significant delays and financial harm to my business operations. 

Clarifications regarding account activity : All incoming funds are royalty payments documented under a contract drafted and executed by a top XXXX XXXX law firm. 
All outgoing payments are ordinary and necessary business expenses ( travel, meals, professional services, etc. ). 
I can provide comprehensive documentation proving the lawful origin and purpose of all transactions. 

Potential Cause Mistaken Identity I have been advised that individuals with similar names to mine may appear in the Politically Exposed Persons ( PEP ) database, which could have led to an erroneous flag. I strongly believe this is a case of mistaken identity or inaccurate association.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX  XXXX Date XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX  XXXX XXXX  XXXX  Date : XXXX ACCOUNTS : XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$2400.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$740.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX - Account Number XXXX XXXX, Date Opened : XXXX, Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$320.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I was sent an email by Genesis collection agency stating that I owe money for an apartment from two years ago. When I moved out, I left at the end of my lease as well as I never received any move out email or any charges that I owed I was told by a property manager XXXX to turn in the keys and I would be good to go. When I received the email from Genesis today thats when When I called them, and they told me that anything I did was just an opinion and that nothing I do will stop them from reporting to my credit and damaging it and proceeded to hang up the phone when I called back XXXX told me the same thing and that there was nothing I can do and that I can dispute it, but nothing will happen. I sent in copies of my lease the amount theyre saying I owe doesnt even match the amount of rent that I paid there. He threatened me that if I didnt make the payment they will be damaging my credit no matter what. Also, when trying to talk about the amount I owed, he tried to tell me that utilities wasnt in my lease. I have attached a copy of my lease that includes utilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-29 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Fraud accounts not mine- XXXX, XXXX XXXX {$29000.00} acct # XXXX XXXX, XXXX- {$4900.00} Acct # XXXX XXXX, XXXX- Acct # XXXX {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
I am filing a complaint against Experian and Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ). I disputed the reporting of accounts from XXXX and XXXX XXXX XXXX XXXX which contain unverifiable and false information. When I requested validation, the furnishers themselves could not validate ownership, the original default date, or any supporting documentation. 

Despite this, Experian and Equifax verified the accounts and continued reporting inaccurate information. This is a direct violation of FCRA 611 ( 15 U.S.C. 1681i ), which requires a reasonable reinvestigation, and FCRA 623 ( a ) ( 1 ) ( A ), which prohibits reporting information known to be inaccurate. Additionally, the accounts have been unlawfully re-aged in violation of FCRA 605 ( c ). 

I previously filed CFPB Complaint # XXXX against the furnishers, and I have provided Experian with evidence that XXXX  has already closed and deleted these accounts following its own investigation. Experians refusal to correct or delete these unverifiable accounts demonstrates willful noncompliance. 

I am demanding that Experian and Equifax immediately delete the XXXX  and XXXX XXXX XXXX XXXX XXXX provide written confirmation, and that appropriate enforcement action and penalties be pursued for their repeated violations.

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 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I applied for a XXXX XXXX XXXX card on XX/XX/year>. I applied through the XXXX XXXXXXXX XXXX on my phone. The promotion at the time was XXXX bonus miles and XXXX XXXX  after {$4000.00} qualifying purchases within the first 3 months. 

Chase denied my application twice without notifying me, and for reasons they would not disclose. I sent in the documentation requested for identity verification ( even though I had XXXX other chase accounts open at the time ), and the application was still denied. I went into a branch in XXXX and it was finally approved. The approval packet mailed to me said nothing about the promotions I was to receive. 

The XXXX bonus miles were credited to my account, but after 3 months only XXXX XXXX  were credited to my account. I contacted Chase and they denied there was any promotions at the time my card was opened in XXXX. I pushed that I did not open the card and agree to terms in XXXX, I did so in XXXX. They eventually stopped responding to me. 

I escalated to the XXXX office, and they opened a case. They just called me to reiterate that there was no promotion in XXXX. I reminded them I agreed to terms in XXXX. They said there were no promotions in XXXX ( even though the " marketing investigation results '' was for XXXX ). He then stated there were no promotions until XX/XX/year>. 

Once I realized I had no documentation of the promotion in my welcome packet, I looked online to see what XXXX to expect. I took a screenshot of the current promotion in XXXX, to see if it had gotten better or worse since I applied ( the miles had gone up to XXXX in XXXX ). 

They stated I need to provide a screenshot shot or other documentation that a promotion was offered to me or available in XXXX ( or maybe XXXX? ). That is ridiculous. I should not need to take a screenshot to prove that they pushed marketing to me. I received a mailer from them monthly for almost a year before I decided to open the account. The promotion steadily increased. 

I also had to request they send me evidence they were denying my case. They would not have put it in writing otherwise. 

The XXXX XXXX  would give me XXXX status next year, and I believe they are trying to avoid that. If there was no promotions active in XXXX as they said, then why did they give me XXXX bonus miles and XXXX XXXX? 

There are a lot of situations like this when I searched on the Internet. Chase should not be able to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
This company bought and took over the store chain back late winter. They took over and imposed their fibance rules on me and I did not have a choice at all about XXXX They would do business. So my balance kept going up and up and I had purchased anything in XXXX year. So they have imp9sed their way of business and I have had no choice. They add double interest on top of my balance every month. My balance has not dropped and it has gone up o er XXXX dollars and it is just the Interest. I had called them to get answers and was told pay off the account. If I didn't the balance would just keep on getting higher. So all I am paying for is the Interest. Like I said their rules were imposed on me and I had no choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX I initiated a wire transfer from XXXXXXXX XXXX XXXX XXXX, branch to a bank in XXXX, intended for my nephew, for {$50000.00}. He was able to withdraw {$3400.00}. The bank manager decided it was fraud, contacted me by phone and I insisted it wasn't fraud. He continued to insist it was and froze the account for XXXX  days. After XXXX  days, recipient was told the money was being returned to me. I have attempted to speak with the bank manger, but he tells me he needs more time and never contacts me. Today, XX/XX/year>, I attempted to call his supervisor, but the bank was not answering phone calls. I have been told the balance of the transfer is in an unclaimed deposit account. The bank in XXXX  keeps asking XXXX XXXX  for a " hold harmless letter ''. However, XXXX will not issue this letter since I have told them this was not fraud ; nor have I reported it as fraud. 

Fifth Third Bank is holding my {$46000.00} and to date has not returned it to me. 

Please advise what I can do to have my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
am filing this complaint against * * American Express * * regarding an improper credit application denial, discriminatory practices, and failure to disclose accurate reasons for adverse action.

Despite denying my application, American Expresss own * * SEC Form 8-K filings * * confirm the Company engages in * * pooling and securitization of receivables * *. This means that my financial and application data, along was are monetized, securitized, and reported for financial gain while I am simultaneously denied a lawful extension of credit. This raises issues under federal law. Even after complaint was made to CFPB 3 days after denial. Proof attached. despite the violations and denials * * Violations Identified : * * 1. * * Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 ( c ) & 1691 ( k ) * * Discriminatory credit denial without lawful justification ; creditors assume civil liability for violations.

2. * * Truth in Lending Act ( TILA ), 15 U.S.C. 1642 & 1640 * * Unlawful denial without proper disclosure of terms and failure to account accurately for obligations.

3. * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681m * * Adverse action taken without providing proper disclosure of the consumer reporting agency, credit factors, or detailed reasons.

4. * * Regulation B, 12 CFR 1002.9 * * Requires creditors to provide a * * clear, specific statement of reasons * * for credit denial within 30 days ; vague or generic denial codes are insufficient. 
5. * * GAAP / IRS Reporting Standards * * If American Express pools receivables and takes tax/financial benefits from charge-offs or securitizations, continued denial of credit while securitizing assets tied to applicants is misleading and deceptive.

Company response to consumer: Closed with explanation