vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
Complaint Against JPMorgan Chase Credit Card Closure and Fraud Issues On XX/XX/XXXX, I received an email from Chase notifying me that my account ( XXXX ) were being closed. This is the XXXX  time Chase has threatened to close my account ( XXXX ). 

During the first XXXX incidents in XXXXXXXX XXXX XXXXXXXX office investigated and later confirmed in writing that the closures were caused by system errors, for which they apologized. I request that you please refer to the prior CFPB reports from XXXX regarding this same issue. Despite those assurances, Chase is again repeating the same error, causing unnecessary disruption to my accounts and finances. 

Separately, on XX/XX/XXXX, I received a fraud alert text from Chase regarding suspicious purchases. I immediately reported to Chase that the activity was unauthorized. Despite this, Chase allowed the fraudulent charges to continue for several days until I discovered them and contacted XXXX XXXX XXXX. As a result, I was forced to : -Replace all of my credit cards, -Reset my entire online account, and -Lose eligibility to use XXXX XXXX because my account had been compromised. 

XXXX  repeated system failures and poor fraud safeguards have put my financial security at serious risk. The banks inability to properly resolve these ongoing issuesdespite acknowledging them in XXXX caused me significant mental distress and inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NC

Complaint narrative:
My credit report contains inaccurate personal information, including incorrect names and addresses. Specifically, the report lists names such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, none of which are entirely correct. The report also shows incorrect addresses, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX . Additionally, there are credit inquiries listed from XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX ), which I believe are either inaccurate or not valid. Despite my previous disputes pointing out these errors, they have not been corrected, and this inaccurate information continues to appear on my credit report. This has negatively impacted my creditworthiness and my ability to obtain credit.

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 2025-09-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I finally was able to review my credit report and found many errors, fraudulent accounts i did not open, address that i have not lived at, jobs i was not and-or previously been employed at, inquiries, and credit cards that i never applied to. I am currently working diligently to contact credit bureaus and creditors to have these fraudulent accounts removed from my credit report. I have listed a few of the discrepancies 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting these things be investigated and removed from my credit report expeditiously

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 2025-09-24 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: IN

Complaint narrative:
Date : XX/XX/XXXX Equifax Inc. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Agency, I am writing to formally request the removal of an account from my credit report as reported by Equifax. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a collection for {$200.00} from XXXX XXXX XXXX, listed on my XXXX  credit report, and following a thorough investigation, XXXX  has completely removed this unverifiable debt from my report as of XX/XX/XXXX. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX  has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX  has deemed this account unverifiable and removed it, you must take similar action.

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX  having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as a formal dispute regarding fraudulent accounts listed under my name. I have no connection to these accounts, did not authorize them, and did not open them. Their presence misrepresents my financial history and unjustly harms my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My VA benefits and SSDI is being stolen which is a federal crime. The bank refuses to protect my funds or separate my account. Even though they know federal benefits are protected the allowed money for my daughter to be stolen and used for other things without my authorization.

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 2025-09-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I finally was able to review my credit report and found many errors, fraudulent accounts i did not open, address that i have not lived at, jobs i was not and-or previously been employed at, inquiries, and credit cards that i never applied to. I am currently working diligently to contact credit bureaus and creditors to have these fraudulent accounts removed from my credit report. I have listed a few of the discrepancies 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting these things be investigated and removed from my credit report expeditiously

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
On XX/XX/XXXX, I paid off my auto loan in full with XXXX XXXX XXXX ( Hyundai Capital America ) for my XXXX XXXX XXXX. Shortly afterward, I received a XXXX  satisfaction letter from Hyundai Motor Finance. However, as of XX/XX/XXXX, nearly XXXX months later, the XXXX  XXXX of XXXX still shows an active XXXX  on my vehicle, and I have not received a paper title. 

On XX/XX/XXXX, I went to a XXXX  XXXX branch and was told that the XXXX was still active in their system and that no release had been filed. On XX/XX/XXXX, I contacted Hyundai Motor Finance to resolve this issue. The representative told me that the dealership has my title and that I should take my XXXX satisfaction letter to the dealer. This explanation is inaccurate because in Michigan, titles are electronic under the XXXX system, and the lienholder not the dealership is responsible for filing the electronic XXXX  release. 

Despite my efforts, the XXXX has not been released, and I still can not obtain a clear title to my vehicle. Michigan law requires lienholders to release liens within XXXX  days of payoff. Hyundai Motor Finance has been holding my title for more than XXXX  days, preventing me from selling, refinancing, or having full ownership rights to my car.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Late payment entries listed on my credit report appear to be inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must only include information that is accurate, complete, and verifiable. I am requesting that these entries be investigated, and if they can not be confirmed as accurate, they should be corrected or deleted.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have identified late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must only include accurate, complete, and verifiable information. I request that these late payment entries be verified, and if they can not be confirmed, they should be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
I am once again submitting a formal dispute regarding the continued presence of inaccurate billing information on my credit report. Despite my prior requests, I have identified accounts that are still reporting details that do not properly reflect my true payment history. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides me the right to dispute billing inaccuracies and requires a thorough reinvestigation by the reporting furnisher. Please reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$19000.00} 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  Balance Owed : {$19000.00} 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 XXXXalance Owed : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4400.00}

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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint Summary : On XX/XX/year>, at approximately XXXXXXXX XXXX, I attempted to open a business checking account at the Bank of America branch on XXXX XXXX. in XXXXXXXX XXXX. My business, XXXX XXXX XXXX XXXX, is a XXXX that has been legally adjudicated and operating for over XXXX  years. I presented a {$14000.00} check issued by the XXXX XXXX XXXXXXXX, drawn on Bank of America. The teller initially stated I needed business documents ( incorporation papers, etc. ), which I confirmed I could provide. However, I was then denied account opening because the check was dated prior to XX/XX/year>. When I asked for the policy in writing, I was told none could be provided. The supervisor claimed this policy has been in effect since XX/XX/year> and could not be overridden. 

Concerns : No written disclosure of this alleged policy was provided, despite my requests. 
This creates the appearance of arbitrary enforcement and lack of transparency. 
As a XXXX business owner in XXXX, I am concerned that such practices may disproportionately harm XXXX businesses and conflict with the Community Reinvestment Act ( CRA ).

Requested Action : Provide me a written copy of the policy used to deny my application. 
Explain why this policy exists, when it was adopted, and why it was not disclosed. 
Review and reconsider my account application. 
Ensure this policy is not applied discriminatorily and is made transparent to all customers. 

Branch Involved : Bank of America XXXXXXXX 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 2025-09-24 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I am filing this complaint regarding inaccurate late payment reporting by Home Depot Credit Card. 

In XX/XX/year>, my payment source was compromised due to fraud. I was assured by representatives of the company that my automatic payments would continue without interruption. Relying on that information, I later discovered that two payments had not processed and late payment marks had been reported.

I contacted the Home Depot Credit Card by phone on three separate occasions and by email multiple times. Sent in circles. On my most recent call, a representative confirmed that my account was marked with the fraud notation, that supporting details had been added, and that I should file a dispute so the late marks would be removed. Despite this, the company has not removed the negative marks. 

I respectfully request that the CFPB review this matter and Home Depot Credit Card remove the late payment notations from my credit 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 non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have identified late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must only include accurate, complete, and verifiable information. I request that these late payment entries be verified, and if they can not be confirmed, they should be corrected or removed.

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 2025-09-24 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: FL

Complaint narrative:
I am filing a complaint regarding inaccurate reporting on my credit report by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is negatively impacting my credit profile.The account shows a XXXX balance but reports multiple late payments : XX/XX/year> ( XXXX  days late ), XX/XX/year> ( XXXX  days late ), XX/XX/year> ( XXXX  days late ), and XX/XX/year> ( XXXX  days late ). This reporting does not accurately reflect my payment history.The same account is also reported as a late-opened account with XXXX balance, showing XX/XX/year> ( XXXX  days late ), XX/XX/year> ( XXXX  days late ), and XX/XX/year> ( XXXX  days late ). This is inconsistent with the accounts actual activity and creates confusion regarding my payment history. 

Impact :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
I am filing a complaint regarding inaccurate reporting on my credit report by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is negatively impacting my credit profile.The account shows a XXXX balance but reports multiple late payments : XX/XX/year> ( XXXX  days late ), XX/XX/year> ( XXXX  days late ), XX/XX/year> ( XXXX  days late ), and XX/XX/year> ( XXXX  days late ). This reporting does not accurately reflect my payment history.The same account is also reported as a late-opened account with XXXX balance, showing XX/XX/year> ( XXXX  days late ), XX/XX/year> ( XXXX  days late ), and XX/XX/year> ( XXXX  days late ). This is inconsistent with the accounts actual activity and creates confusion regarding my payment history. 

Impact :

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc.
State: TX

Complaint narrative:
XXXX XXXX. XXXX SSTs response to my CFPB complaint does not resolve the issues with this account. 

Duplicate Reporting This single XXXX XXXX XXXX  XXXX XXXX being reported twice once under XXXX XXXX XXXX as XXXX and XXXX XXXX XXXX as Charge-Off/Collection. This double reporting creates the misleading impression of XXXX separate negative accounts for the same debt. SST did not address this duplication.

Inconsistent and Inaccurate Reporting SST claims they only reported the account as charge-off, but my credit reports show conflicting information across the three credit bureaus : Balance : {$1500.00} XXXX XXXX XXXX XXXXs. {$1500.00} XXXX XXXX XXXX XXXX 

Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Status : Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Seriously Past Due/Transferred ( XXXX  ). 
Under the FCRA, furnishers must ensure accuracy and consistency. It is not acceptable to shift responsibility to the credit bureaus. 

Debt Validation Incomplete I previously requested validation. XXXX sent a copy of the loan agreement and partial payment history, but they failed to provide proof of assignment/transfer authorizing them to collect or report after XXXX XXXXXXXX XXXX XXXX 

XXXX XXXX XXXX SSTs letter claims secured savings were applied in XX/XX/XXXX, leaving a balance of {$760.00}. However, my credit reports still show balances of {$1500.00} {$1500.00} in late XXXX. This proves the reporting is not being updated accurately. 

Requested Resolution : I am requesting deletion of both the XXXXXXXX XXXX XXXX tradeline and the SST/tradeline. The information is duplicative, inconsistent, and misleading, which violates FCRA 602 ( a ), 607 ( b ), and 623.

Company response to consumer: Closed with explanation