vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: MO

Complaint narrative:
Reference Numbers : XXXX XXXX XXXX : XXXX XXXX Account Ending in XXXX Southwest Account Ending in XXXX XXXX Account Ending in XXXX I am writing to formally dispute and rebut the findings and decisions made regarding the recent closure of my Chase credit card accounts, as well as the denial of my new credit application. Your letters dated XX/XX/year>, allege that I, or an authorized user, was linked to merchant information related to alleged fraudulent activity and that I failed to protect my card from unauthorized use. These assertions are inaccurate, unsupported, and damaging to my financial standing. 

I dispute these allegations for the following reasons : XXXX. No Evidence Provided : To date, I have not been provided with specific merchant details, transaction dates, or any factual basis substantiating the alleged fraudulent activity. The lack of supporting documentation constitutes an incomplete investigation into the matter of fraud. It violates my right to a fair dispute resolution process under the Fair Credit Billing Act ( XXXX ) and the Consumer Financial Protection Act. 
XXXX. Good Faith Use and Prompt Disputes : Any disputed transactions were promptly reported in good faith upon discovery, and appropriate steps were taken to safeguard my accounts. I acted with diligence and responsibility to prevent unauthorized use. 
XXXX. Retaliatory Account Closures : The closure of additional accounts, particularly the XXXX card ending in XXXX, appears retaliatory and based solely on the closure of another account, not on independent fraudulent activity. This decision is unjustified and harmful. 
XXXX. Impact on Creditworthiness : The account closures and the subsequent denial of a new application, based on inaccurate information, negatively impact my credit profile and future access to financial products. 
XXXX. My XXXX and XXXX account both had fraudulent activity that remain unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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:
Equifax has an extended fraud alert on my account and I have had issues getting a rental property because of it into have reached out to them on teo different occasions and was told that it was removed however it still remains

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am unable to get a live person on the phone to help me with bill pay.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally demand the immediate removal of an account from my credit report that does not belong to me. This account is clearly a result of a credit file mix-up, and it is inaccurately being associated with my personal credit history. 

To be crystal clear : this account is not mine. I have no financial connection to it, I have never opened it, and I am not in any way responsible for its activity. Yet, it is showing up on my report and directly impacting my credit standing something I take very seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
On XX/XX/year>, I spoke to a Bridgecrest agent about making a payment on my auto loan account. I informed the agent that I was waiting on a reimbursement check, and asked what I could pay to prevent repossession. I was advised that if I made a {$310.00} payment that day, my account would remain under XXXX  days past due and repossession would not occur. Based on this, I made the {$310.00} payment while on the phone. The agent confirmed everything was set in stone and gave me peace of mind that my vehicle was safe. 

At no point did this agent inform me that my earlier {$100.00} payment had reversed or that this affected the due date count. I was led to believe that I was in good standing. I relied on this guidance and planned my financial responsibilities accordingly. 

On XX/XX/year>, my vehicle was repossessed. I received no warning beyond a general text about late payments. When I called, I was told my account had triggered repossession because of the reversed {$100.00} payment information I was never given. A supervisor later told me the agent didnt know about the pending repossession when I made the {$310.00} payment. 

I am now being told I must pay {$1200.00} to reinstate the account and recover my vehicle despite acting in good faith and relying on their employees instructions. This has left me without transportation, at risk of losing my job, and unable to meet other critical obligations like rent and food. 

Im requesting that Bridgecrest honor the agreement communicated on XX/XX/XXXX, waive the repossession fees, and reinstate my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally lodge a complaint against Bank of America regarding an issue of fraudulent credit activity associated with my business.An ex-employee of my company applied for a business credit card using my Tax ID without my knowledge or consent. I discovered the existence of this card several months after the employee 's departure, only to find that it had accumulated a substantial balance of approximately {$6000.00} due to charges made in Maui, XXXX.Upon realizing this, I promptly contacted Bank of America 's XXXX  Department and have been attempting to resolve the matter for several months. Eventually, I was informed by corporate representatives that I would not be held liable for the charges, as my name does not appear on the card. The card was solely linked to my business name through the unauthorized use of my Tax ID. Subsequently, the card was removed from my online banking account.However, in XX/XX/2025, I noticed a SET OFF charge of {$3000.00} withdrawn from my business account by Bank of America. I have since reached out to the XXXX  Department, XXXX Banking, and a local banker in an effort to resolve this issue, but to no avail. Despite my efforts, Bank of America has failed to provide any documentation justifying the SET OFF payment taken from my account for a credit card that was obtained fraudulently.I am seeking your assistance in resolving this matter and ensuring that Bank of America adheres to proper procedures in handling fraudulent activities associated with my business.Thank you for your attention to this urgent issue.

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 2025-06-27 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: TX

Complaint narrative:
I am disputing the presence of fraudulent accounts currently listed on my credit report. I have never interacted with the companies reporting them and did not approve their creation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX USC XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 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 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 2025-06-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: FL

Complaint narrative:
I disputed a charge with XXXX through Chime on XX/XX/XXXX. The order was delayed indefinitely, never shipped, and XXXX confirmed that the item would not be delivered. I contacted XXXX support multiple times and was told the order was canceled, but no refund was issued. 

Despite clear proof ( order status, chat transcripts, no shipment or tracking ), Chime refuses to issue a provisional credit and continues to investigate without providing any timeline or access to my funds. 

I am asking that Chime follow proper protocol and either issue a refund or temporary credit while they investigate. I have provided documentation and XXXX has not resolved the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
his debt is still reported on my credit report this was closed but still reporting as closed

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX USC XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : Under XXXX U.S.C. XXXX ( XXXX ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of XXXX USC XXXX ( a ) ( XXXX ) Pursuant to XXXX U.S.C. XXXX ( a ) ( XXXX ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX. Right to Privacy Section XXXX ( A ) of the FCRA The FCRA, under Section XXXX ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information XXXX USC XXXX ( a ) ( XXXX ) Furthermore, under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to XXXX ( a ) ( XXXX ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), only authorize party XXXX furnish or access consumer information. XXXX is a third-party XXXX XXXX and does not have the legal authority to share my personal bankruptcy or credit related information with Experian or any other credit reporting agency without my consent the United States Bankruptcy XXXX XXXX not have XXXX jurisdiction over how credit reporting agency handle consumer data, and therefore can not authorize or compel LEXIS-NEXIS or any XXXX  XXXX to act on behalf of a debtor by transmitting personal financial information to a credit bureau such action constitute a violation of Fair Credit Reporting Act ( FCRA ).

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 2025-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lendmark Financial Services
State: PA

Complaint narrative:
While attempting to make payment to Lendmark via their website, I have received numerous calls, and texts. XXXX of the most recent texts was a very misleading and XXXX  text that said what is your attorneys name and number implying that a XXXX month delinquent account was preparing to go legal. I find this XXXX  to be XXXX  and misleading. A violation of UDAAP at the very minimal, and probably also an FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AR Resources, Inc.
State: SC

Complaint narrative:
They state that my debt has been transferred to their office. A debt I do not owe, they are asking under the pretenses of an old debt from XXXX. I have an official statement from XXXX that they are not trying to collect and that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Ive repeatedly tried to access my Experian account online over the past few years, and its been an absolute nightmare. Every time I try, the site tells me to call a toll-free number. When I call, the automated system tells me to go online. Its a vicious, endless loop with no way to speak to a real person. Ive mailed letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and even emailed XXXX on XXXX multiple forms of ID trying to prove I am who I say I am. 

Most recently, on XX/XX/XXXX I filed a complaint with the CFPB ( XXXX  XXXX ). 

The only response I received until filing my initial complaint with CFPB was a form letter claiming the information I sent doesnt appear to have been sent directly by me. Absolutely unacceptable. 

After filing my initial complaint, I did receive a copy of my credit report from Experian. That was nice of them but that's not why I filed a complaint. I want to be able to set up an online account on their website ( https : //www.experian.com/ ) so I can easily place/lift a credit freeze or thaw. 

As of now, I still can not access, on-line via the Experian website, my credit report, request a copy, or unfreeze  my report, which has led to credit denials in the past. Ive had XXXX issues with XXXX  or XXXXthis is 100 % an Experian problem. Im beyond frustrated. Someone needs to take responsibility and FIX THIS. 

The outcome I'm hoping for is that I will be able to create an account on the Experian website so I can have easy access to my credit information and be able to EASILY place/lift a credit freeze or thaw.

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