vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My previous Chase checking and savings accounts were closed after I submitted several claims related to unauthorized or disputed transactions. All of these claims were valid and approved, and none involved fraud or abuse on my part. Despite the legitimacy of these claims, Chase chose to close my accounts. I believe this was an unfair and excessive response, especially considering that I followed proper procedures and my claims were found to be valid.

I am now concerned that Chase may have reported these closures to third-party agencies such as XXXX  or XXXXXXXX XXXX XXXX  which could negatively affect my ability to open new accounts with other financial institutions. Additionally, I am currently unable to open a new account with Chase, which I would like to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: OH

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I Had opened a XXXX personal account With huntington bank in XXXX Ohio. They closed my account 5 Days after opening my account during during Those XXXX days I made payments to my self from my bank XXXX to my new account Huntington. XXXX of those XXXX Payments were an amount of {$200.00} which Was on monday XX/XX/year>. The bank closed my account tuesday XX/XX/year> and they claim that the {$200.00} Was never cleared in my Account but they did get the alert that i received a XXXX payment of {$200.00}. My Other bank of XXXX claims that since the Money was successfully sent they can not crdit me Back the {$200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MO

Complaint narrative:
MY card has unauthorized charges on it it happened after I went a gas station and used my card to pay for gas and other items and it keeps happening. I have locked my card and some how it keeps happening. I just want the money that was charged back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
Hello, I hope this message finds you well. I am writing to formally address a debt associated with an account from SPRING OAKS CAPITAL LLC, ACCOUNT NUMBER XXXX XXXX that I do not recognize. I would like to clarify that I was not given a fair opportunity to dispute this account prior to its reporting. 

If you are confident that proper notification was issued regarding this matter, I kindly request that you provide me with a copy of the 'Certified Mail ' receipt, which should include my signature as proof of delivery. This documentation is essential for me to verify the legitimacy of the notification. 

If you are unable to furnish this evidence, I ask that you promptly delete this account from my records. Please understand that failure to resolve this issue may compel me to explore legal remedies to protect my rights. 



Thank you for your attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute several Signature Student Loans associated with my name, reportedly connected to my enrollment at XXXX XXXX  in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
At the time these loans were initiated, I had XXXXXXXX XXXX XXXX XXXX XXXX on my record, including a XXXX XXXX XXXX XXXX XXXX which occurred in XXXX. These XXXX, as well as others from nearly XXXX  years ago, XXXX XXXX XXXX  disqualified me from obtaining licensure or security clearance for the type of work I was XXXX  for. 
This means I was ineligible for employment in the field tied to the education financed by these loans particularly employment with agencies such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX position requiring a clean record and clearance Misrepresentation and Failure to Screen Despite this, the school and loan originators certified my eligibility and signed off on loans without regard to the fact that : I could not legally work in the field my degree would prepare me for I would be unable to obtain security clearance or licensure in XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never informed by the institution or lender that my record would make me ineligible to benefit from the education I was receiving This failure to screen or disclose critical disqualifying facts amounts to false certification, misrepresentation, and possibly predatory lending especially since my XXXX XXXX was easily discoverable and I was actively seeking XXXX  at the time.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I am writing to formally dispute several Signature Student Loans associated with my name, reportedly connected to my enrollment at XXXX XXXX  in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
At the time these loans were initiated, I had XXXXXXXX XXXX XXXX XXXX XXXX on my record, including a XXXX  related to XXXX XXXX  which occurred in XXXX. These XXXX, as well as others from nearly XXXX  years ago, legally and practically disqualified me from obtaining licensure or security clearance for the type of work I was XXXX  for. 
This means I was ineligible for employment in the field tied to the education financed by these loans particularly employment with agencies such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requiring a clean record and clearance Misrepresentation and Failure to Screen Despite this, the school and loan originators certified my eligibility and signed off on loans without regard to the fact that : I could not legally work in the field my degree would prepare me for I would be unable to obtain security clearance or licensure in XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never informed by the institution or lender that my record would make me ineligible to benefit from the education I was receiving This failure to screen or disclose critical disqualifying facts amounts to false certification, misrepresentation, and possibly predatory lending especially since my XXXX XXXX  was easily discoverable and I was actively seeking XXXX  at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My information may have been impacted by the Equifax, TransUnion and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Respectfully XXXX XXXX XXXX without prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: OH

Complaint narrative:
My information may have been impacted by the Equifax, TransUnion and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Respectfully XXXX XXXX XXXX without prejudice

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 2025-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cash-App I had XXXX accounts and I only use one so I transferred my funds and went into the chat and asked asked that XXXX XXXX be closed. I also asked to be sure that my reg account XXXX XXXXXXXX will not be closed, Rep said NO she verified few things and closed my account, soon as she did a I was led to screen to create new account, I was on my cashapp app and tried to look up my XXXX XXXXXXXX account it was closed! I quickly made an account thinking I could request my funds from it NO! Talked to chat XXXX and was told I had to call there was nothing she could do. I called 20times phone is not even ringing! I only had {$70.00} in my account and its for my prescriptions tomorrow!!!! Im devastated and very unhappy with this! Please Help ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
The listed accounts were opened without my consent and do not belong to me. I am requesting their immediate removal from my credit report under 15 U.S. Code 1681g. Please complete this process within 15 days. Supporting documents are attached.

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 2025-06-19 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: CO

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-18 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Is unable and/or unwilling to transfer over XXXX point that have been earned through their reward program to XXXX XXXX XXXX They have used every excuse imaginable such as its XXXX XXXX problem. We have had both parties talking with each other and to no avail. Weve spent XXXX hours with XXXX supposed customer service people only to get I dont know. Every one at Capital One acts XXXX.The simplest thing is unattainable for the representatives of Capital One. 
We enrolled in Capital One XXXX program that rewards purchases with points. 
Today we have talked to XXXX representatives who keep on transferring us to someone else. 
Unsure what to do next?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Date : XX/XX/XXXX To : [ XXXX  / XXXX  / TransUnion Subject : Unauthorized Access and Reporting of My Credit Information under FCRA ( 15 U.S. Code 1681b ) To Whom It May Concern, I am writing to formally dispute the collection, retention, or distribution of any information pertaining to my personal credit file. According to 15 U.S. Code 1681b, you are not permitted to access or report any information in a consumer 's credit file without a permissible purpose, and I have not given you, or any party, permission to obtain or report any such information regarding me.

I hereby demand the following : 1. Immediate deletion of any and all consumer files, credit data, or personal information you may have on record related to me.

2. Written confirmation that these files have been permanently deleted or blocked from distribution.

3. The name ( s ) of any entity that has accessed my credit file in the past 24 months, including the date and purpose of each inquiry.

Failure to comply with this request may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially civil action.

Please consider this letter a formal dispute and demand under the FCRA. I expect a written response from your office within 30 days as required by law.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX [ Date of Birth : XX/XX/XXXX [ Social Security Number last XXXX digits only : 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 non-monetary relief
Consumer complaint received 2025-06-18 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:
Accounts are being reported under my name without my authorization or knowledge. I have never opened or managed these accounts, and their presence is false, misleading, and unacceptable. This misreporting damages my financial credibility and raises serious concerns.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Formal Request to Remove Inaccurate Late Payment Reporting - Failure to Provide Notice Dear Transunion Dispute Department, Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard. 
FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty.

FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted.

What Im Requesting : I respectfully request that you initiate a reinvestigation of this late payment and contact the furnisher. If the creditor can not prove that they sent proper notice before reporting the delinquency - including payment reminders or default warnings- the late mark is incomplete and inaccurate, and must be permanently removed under the law. 
Please provide written confirmation that the dispute was investigated and state whether the item was corrected or deleted. I expect a resolution within the 30-day window outlined in FCRA 1681i ( a ) ( 1 ) ( A ).

Thank you for your attention and time in helping to ensure that my credit report reflects only fair, verified, and accurate information. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
I have encountered difficulties accessing my Experian Credit Bureau and Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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