vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am writing to formally document the ongoing and extremely distressing issues Ive experienced with my Chase Business Account, and to notify you that I am prepared to pursue legal action if this matter is not fully resolved by XX/XX/XXXX, as promised by your representative. 

When I originally opened my account with Chase, I submitted all required documentation, and the account was opened without issue. However, on XX/XX/XXXX, I received an unexpected email stating that my account had been restrictedwithout any clear reason or prior warning. Upon contacting Chase, I was informed that I needed to update my business records with the Pennsylvania Secretary of State. This cost me {$170.00}, which I paid immediately in good faith to resolve the matter. 

Despite this, I was then told my account remained restricted because my name was allegedly not attached to the business. This was surprising and frustrating, considering my business was originally registered in Delaware and I also maintain a Pennsylvania location. I then went to the Delaware Department of Corporations and paid an additional {$150.00} to update my companys information, despite Chase already having the necessary documents on file. That brought my out-of-pocket cost to $ XXXXjust to regain access to my own funds. 

A helpful representative eventually managed to lift the restriction. But on XX/XX/XXXX, while trying to purchase food for my family, my card was once again declined. After verifying the transaction with a Chase representative, I was shocked to learn that the account had been restricted againthis time over an address verification issue. I have repeatedly submitted every document requested by Chase. At this point, the repeated restrictions are not only unjustified but are causing severe and immediate hardship.

Because of these unwarranted account actions, my family and I have been left strandedwithout food, shelter, or access to our own money. Weve been forced to sleep in our car and go without meals, all because of Chases mishandling of my account and failure to communicate in a timely and professional manner. 

A representative named XXXX from the Fraud Department Escalations team has assured me that she will call back by XXXX XXXX  on XX/XX/XXXX to resolve this issue. If my account is not fully restored by that time, I will have no choice but to explore all legal options, including filing a formal complaint with the Office of the Comptroller of the Currency ( OCC ), Consumer Financial Protection Bureau ( CFPB ), and potentially pursuing damages for the undue hardship this has caused me and my family. 

This matter is urgent, and I expect a full and permanent resolution without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I deposited a U.S. Treasury tax refund check for {$21000.00} in person at a Capital One branch into my personal checking account. My account has been open for over 90 days, and I am the named payee on the check. I receive my direct deposit from work on this account. I also went inside and deposited in person with an ID.

Despite this, Capital One placed a hold on the funds and has refused to provide a written notice of the hold, which is required under Regulation CC ( 12 CFR 229.13 and 229.16 ). I was verbally told over the phone that the check was being held due to collectability and risk of return. However, this check is issued by the U.S. Department of the Treasury, which is one of the most reliable and secure issuers in the country.

Regulation CC clearly states : Under 229.10 ( c ) ( 1 ), Treasury checks deposited in person to the payees account must be made available no later than the next business day.

Under 229.13 ( e ), a hold may only be placed if there is reasonable cause to doubt collectability, and that cause must be fact-specific and disclosed in writing.

Under 229.16 ( c ) and 229.13 ( g ), the bank must provide a written notice stating the reason for the hold, the amount being held, and the date of availability. 

To date, I have only received an ambiguous email citing confidential internal reasons for the hold. No compliant written notice has been provided.

This delay has caused financial hardship and limited my access to urgently needed funds. Capital Ones actions appear to be a direct violation of Regulation CC, and I am requesting regulatory review and enforcement action if appropriate.

What resolution are you seeking?

Immediate release of held funds A written, legally
compliant notice explaining the reason for the hold Assurance that Capital One is adhering to Regulation CC moving forward Let me know the date of your deposit, and I can plug that in for you. If youd like to attach a screenshot of the ambiguous email response or social media messages, you can do that during the CFPB submission too. Want me to prep a version for Capital Ones executive complaint team as well?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CT

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am writing to formally express my deep concern and frustration regarding the ongoing fraudulent activity on my account, and the inadequate response I have received from Chime customer service. 

I have made multiple calls to report fraud on my account, including a detailed report on Sunday, XX/XX/year>, when I noticed that both my password and phone number had been changed without my authorization. Despite verifying my personal information, I was informed by a Chime representative that they could not restore my original phone number. 

Following my initial report, I discovered that on XX/XX/year>, additional unauthorized transactions, totaling thousands of dollars, were transferred in and out of my account. I have email confirmations of these transactions, which clearly indicate suspicious activity. I contacted customer services again and informed them every transaction through this account is fraud and that Ive never used this account. 

Despite informing your support team of these developments, the fraudulent activity has continued. I have attempted to escalate the matter several times, only to be met with unhelpful representatives and supervisors who either disconnect the call or fail to follow through on promised actions. Furthermore, I was denied access to corporate contact information for further escalation. 

This ongoing situation is causing me significant stress and financial concern, as my account is still active and being used for unauthorized transactions. I am formally requesting the immediate closure of my account to prevent any further fraud, and demand that this issue be escalated to a higher department or corporate-level representative. 

Please consider this my official documentation of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/closed XXXXXXXX XXXX {$12000.00} XX/XX/XXXX XXXX Debt {$2500.00} XX/XX/XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX 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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The continued publication of inaccurate information on my credit report has caused significant financial harm and emotional XXXX  Misrepresentation of my personal and financial details constitutes a serious violation and an act of fraud. This has misled creditors, leading to higher interest rates, denial of credit, and an overall detrimental impact on my financial health. Rectifying these issues has been an ongoing and stressful process, further eroding my trust in the credit reporting system. Moreover, the persistence of these inaccuracies despite repeated disputes suggests willful neglect and financial coercion. This refusal to correct false information not only exacerbates my financial challenges but also inflicts undue emotional strain. These actions represent a disregard for my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which are designed to protect consumers. The harm caused extends beyond financial losses, significantly impacting my daily life and 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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company 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 2025-04-24 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:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX 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 2025-04-24 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: AL

Complaint narrative:
To Whom It May Concern, I am writing in response to a recent communication from credit bureau regarding a request to block information from my credit file due to alleged identity theft. I would like to formally clarify that I am not asserting identity theft under 15 U.S. Code 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

My original intent was to dispute the presence and handling of certain financial and student loan data in my credit report, which I believe may have been accessed or shared without my full authorization or consent. My concern was not based on identity theft, but on potential violations of data privacy or inaccurate third-party involvement.

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 2025-04-24 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 asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

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 2025-04-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, I ran a credit report and it shows an account with XXXX XXXX XXXX  I never had a XXXX XXXX XXXX this is either a mistake or fraud. I have filled a police report as requested by Experian and to date it is still showing on my credit. It is not right and not fair I will attach my credit report

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 2025-04-24 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: NY

Complaint narrative:
I am writing to request the immediate removal and blocking of these unauthorized accounts from my credit report. I did not open or approve them, and I have no connection to them. Under the guidelines of USC 1681g, I am requesting their deletion within the next 15 days. Please review the enclosed documentation. I also noticed that the reported information varies between bureaus, making it inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My plea for your agency to rectify the inaccurate status of my items has been consistently overlooked. Despite submitting numerous written requests, I have yet to receive any response. Additionally, my items report persistently displays erroneous information, specifically regarding the late payment status, which remains unresolved despite my earnest attempts to address the issue directly with the creditor. Consequently, your agency continues to report unverified information, a clear violation of the Fair Credit Reporting Act, 15 USC Sections 1681, without adhering to the legal deadlines. This constitutes willful negligence and a breach of federal statutes. The specified items below are still reflectings a late payment on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-24 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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 2025-04-24 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: CT

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have a regularly scheduled bill payment through my Ally Checking account to pay my XXXX XXXX XXXX XXXX. My payment is configured to pay the statement balance in full on the due date, and Ally and XXXX have some eBill integration so that Ally automatically schedules both the date and amount of the monthly payment directly from my XXXX bill. The scheduled payment has been sent and received by both parties successfully for years now with no changes made by me. 

My XXXX statement from XXXX for this account was due on XX/XX/year> and the statement amount was {$5700.00}. Ally received the eBill from XXXX and scheduled the payment as normal, but for some reason sent the payment as a physical paper check this month. Normally this payment is sent to XXXX as an ACH payment. The paper check images from Ally are dated XX/XX/year>. However, XXXX credited the payment on XX/XX/year> and counted it late, charging me a {$29.00} late fee and {$91.00} in interest on my XXXX statement. For some unknown reason, XXXX also charged me a further {$88.00} in interest on my XXXX statement, even though my XXXX statement was paid in full on time including all interest and fees charged. I should not be responsible for any of this {$200.00} in fees and interest as the late payment was totally outside of my control and is otherwise regularly delivered on time. 

Ally claims that the check was sent to XXXX on XX/XX/year> and that XXXX should have had plenty of time to receive it, but can not or will not provide me any documentation of this date and the only date that I see associated with this payment on Ally 's website is XX/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 monetary relief