vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2025, I deposited a check in the amount of {$130000.00} into my business account ending in XXXX. Chase placed a hold on that deposit until XX/XX/2025. Despite confirming the legitimacy of the check, Chase subsequently extended the hold without warning until XX/XX/2025. 

I immediately contacted Chase to understand the reason for the extended hold. I was told that Chase had concerns the check may not be paid, as noted in the formal notice dated XX/XX/2025. However, I independently confirmed with the check issuer that the funds had already cleared their account. The issuer also confirmed that there were no restrictions or reversals pending, and that Chase had already received the funds.

In fact, Chases own deposit hold department spoke directly with the check issuer and their issuing bank. After confirming the check had cleared and the funds were valid, Chases hold department internally requested that the hold be lifted. That request was later denied by another internal Chase department, without any written explanation or further communication.

During my discussions with Chase, I made it clear that I have a long-standing, ongoing business relationship with the issuer of the check. There is absolutely no history of returned checks, insufficient funds, fraud, or payment disputes. Chase acknowledged this relationship in our communications. Despite this, the bank continued to hold the funds and refused to provide any justification supported by fact or law.

Chase issued a written notice stating that the reason for the hold was that the check may not be paid, yet refused to provide any documentation supporting that claimeven after I submitted a formal written request for the information pursuant to Regulation CC. As of today, no documentation, internal codes, or compliance explanation has been provided. This unexplained and unjustified hold has caused significant harm to my business. My account
has been left in an overdrawn state, even though the deposited funds are in Chases possession and fully cleared. Chase has also blocked scheduled payments, including business credit obligations and operational transfers, resulting in disruption of business activity, reputational harm, and the risk of credit damage. 

This behavior appears to violate both the intent and provisions of Regulation CC, which governs check holds and requires that the bank have a reas

onable basis for extending a holdparticularly when the funds have cleared and there is no objective evidence of risk. Chase has failed to meet its obligations to ( 1 ) release funds that are available, and ( 2 ) provide the required written documentation upon request.

I am filing this complaint to request regulatory intervention and to formally document Chases failure to follow federal deposit hold guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I made a over payment after my regular, and it wasnt not appear on my principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of US DEPARTMENT OF EDU XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX ) Inquiries XXXX Inquiries occur when you apply for new lines of credit. Checking your own credit does not affect your Credit Score. Multiple inquiries of the same type and made within a short period of time may only be counted once. 
Inquiry Type : Bank XXXX XXXX XXXX XXXX  Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Bank Credit XXXX XXXX XXXX ) XXXX Shouldnt be on here and ; XXXX XXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Original Balance Terms Responsibility Your Statement : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Paid, Closed. 
XX/XX/XXXX XX/XX/XXXX {$2900.00} XXXX Month XXXX Shouldnt be on here as it was paid in full in 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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reaching out to formally dispute inaccuracies in my credit report that are significantly impacting my financial stability. My report currently lists XXXX accounts in collections ; however, XXXX of these have been deleted and should no longer be appearing. 

Specifically, XXXX XXXX XXXX and XXXX are erroneously reported as collections items. These inaccuracies need to be corrected immediately to ensure my credit report reflects accurate information. 

Please review and update my records as soon as possible. If you require any additional information to expedite this correction, please let me know. 

I appreciate your prompt attention to this matter and look forward to your response.

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 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. BANCORP
State: KS

Complaint narrative:
I have been red flagged to open a real bank that is not XXXX  or XXXX XXXX  because I have to pay XXXX to us bank which in my case wont help if we can waive that fee I will bank with us bank and he smarter

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion ; Al these hard inquiries shouldnt be on here as my credit is blocked.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
I filed XXXX XXXX XXXX  on XX/XX/XXXX and received a discharge on XX/XX/XXXX. XXXX was properly notified of my bankruptcy through the XXXX XXXX XXXX, as confirmed by my bankruptcy documents. I have proof of this notification. 

Despite this legal discharge, a collection for a XXXX debt has recently appeared on my Experian and other credit reports from XXXX XXXX XXXX. This account shows as a current collection despite being legally XXXX in bankruptcy. This improper reporting has caused my XXXX XXXX to drop by XXXX points, moving me from fair to poor credit. 

I find it deeply concerning that despite XXXX being properly notified of my bankruptcy, this debt is now appearing on my credit report as a collection. Whether this error is XXXX 's fault for selling or assigning a XXXX debt, or the collection agency 's fault for reporting it incorrectly, it represents a serious violation of the bankruptcy discharge injunction. 

I have already disputed this with XXXX  on XX/XX/XXXX, and XXXX  on XX/XX/XXXX, and plan to do so with Transunion once I am alerted that it has appeared on that credit report. I attached my bankruptcy documentation to said disputes, but the collection remains. This collection account violates the bankruptcy discharge injunction and is causing significant harm to my credit standing that I've worked hard to rebuild since my bankruptcy. 

The collection is for approximately {$1000.00} and first appeared on my credit report on XX/XX/XXXX. This information is inaccurate and should be completely removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC
State: MO

Complaint narrative:
I was told late fees would be capped at {$50.00}. I missed one full payment and made a partial one once, but now Im being charged nearly {$300.00}. This seems to violate the stated terms, and I want a breakdown of these charges. 


I have consistently made all of my payments on time as agreed, with the payments being directly deducted from my account. However, despite fulfilling my obligations, I am facing excessive and unclear fees, which I believe are being improperly charged to my account. The fees seem to have been applied without clear communication or justification, and I was not informed about potential penalties or caps on my payments. 

I request that these fees be removed, my account be adjusted to reflect the actual amount I owe, and any overpayments due to incorrect charges be refunded. I also ask for an investigation into Credit Ninjas practices to ensure they are not violating any consumer protection laws related to payment handling and fee application.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Information that is incomplete or inaccurate or can not be verified by the original source is being shown on my credit report. My 3 Bureau credit report is not showing 100 % accuracy. The information is not the same across all three credit reporting companies. 

The bankruptcy courts are the original source yet they don't report or verify to the credit reporting companies therefore, unverified information is being reported on my credit report when it should not report at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice that XXXX  has violated the Fair Credit Reporting Act ( FCRA ), specifically FCRA 611 ( a ) ( 5 ) ( B ). 
Following a dispute in which inaccurate account information was deleted, XXXX later reinserted the previously deleted negative information back onto my credit file without providing the mandatory five-day written notification. This is a direct and serious violation of my rights under federal law.These are the following accounts listed below : Name : XXXX XXXX Account : {$530.00} This account was removed due to fraud and reinserted Remove off my account NAME : XXXX Account : {$540.00} This account was removed due to fraud and reinserted Remove off my account NAME : DEPT EDXXXX  Account : {$1300.00} The late payment was removed and reinserted Remove late payment off my credit report ACCOUNT : DEPT OF ED/XXXX  AMOUNT : {$1100.00} The late payment was removed and reinserted Remove late payment off my credit report ACCOUNT : DEPT OF ED/ XXXX AMOUNT : {$1900.00} The late payment was removed and reinserted Remove late payment off my credit report Your failure to follow proper reinvestigation and notification procedures shows noncompliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-05-10 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I was checking XXXX XXXX for my XXXX XXXX when I saw my credit score of XXXX had dropped to XXXX overnight. I went searching and found that my school loans for both my XXXX education and XXXX  education came out of forbearance and had been listed as 90 days late, leading to a delinquency ; this is something I had no idea was happening. After my loan had been bought out by Nelnet and after XXXX, it was unclear when payments were to begin again. The total bill for the missed payments was upward of {$2500.00} which I can not afford by any means. I paid {$650.00} and called Nelnet and told them I can not afford this at this point in time as I had moved my mother in with me from Florida to take care of her which put a financial constraint on me. They kindly informed me that some of my loans were eligible for forgiveness as I have been working in the medical field since XXXX and sent me information regarding the process for that upon request. They told me that they would place my loans into forbearance and I requested until XXXX so I had time to re-evaluate my finances. I was actively attempting to purchase a house for me, my mother and my partner with his kids so we could consolidate all the funds and pay everything off. I emailed Nelnet via the link they have regarding their " credit dispute '' and this was entirely ineffective stating in a response email a few days later that there were no errors on my credit report. I had no idea and was not adequately notified that my loans were past due otherwise I would've addressed this sooner so it did not ruin my chances of buying a house and moving forward in life in a financially responsible way. I understand that my loans were past due but this very same thing has been happening across the nation. Please wipe this paradoxical late payment from my credit score so I can continue moving forward in life instead of renting an apartment for my mother and I or advise me what I can do to recover in a timely fashion that doesn't leave me at the age of XXXX before my credit score improves. I am begging and at your mercy at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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:
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 Equifax 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 accounts XXXX XXXX {$710.00} XXXXXXXX XXXX {$1200.00} XXXX XXXXXXXX {$470.00}

Company response to consumer: Closed with non-monetary relief