vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} Date Opened : XX/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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX, Vice President of XXXX XXXX XXXX, XXXX, acting as agent for XXXX XXXXXXXX XXXX XXXX, in its capacity as Indenture Trustee for XXXX Issuance Trust. XXXX XXXX XXXX XXXX XXXX XXXX and Chief Executive Officer XXXX XXXX XXXX XXXX. ( Exact name of registrant as specified in its charter ) Delaware ( State or other jurisdiction of incorporation or organization ) XXXX ( I.R.S. employer identification no. ) XXXX XXXX XXXX XXXX XXXX  New York Iress of principal executive offices ) XXXX ( Zip Code ) Registrant 's telephone number, including area code : ( XXXX ) XXXX Securities registered pursuant to Section 12 ( b ) of the Act :...

I, visited a local Chase Bank branch to withdraw {$6000.00} from my account using my valid ID and debit card. I was denied the withdrawal and was told my account was " flagged, '' even though there was no legitimate explanation provided. I immediately contacted Chase Corporate, and the representative confirmed that there were no holds or issues with my account. He stated I should be able to access my funds.This recorded converstion is my witness to bewilderd me confused as ti why I cant access my funds. A Chase employee on site told me they didnt know me, as to the clarification of why I was being denied funds and I responded politely and sarcastically introducing myself and attempting to defuse the situation. Despite my cooperation, I was not given access to my own funds during a time-sensitive situationI needed to pay a new landlord the deposit after recently losing my mother.I received her death insurance which was a last help for our new place!

The next day, my wife visited another Chase location to resolve the matter free and clear of any issues. There was no manger on site which means they took an employees word for it over there customer! Then I received received a letter that Chase would be closing my accountwithout any opportunity for rebuttal or explanation. I find this retaliatory and discriminatory.

Why Im reporting this : This treatment appears to be racially motivated and discriminatory in violation of the Equal Credit Opportunity Act and Title II of the Civil Rights Act.

I was denied access to my own money under false pretenses, a potential violation of CFPBs UDAAP rules ( 12 U.S.C. 5531 ).

I was given no due process and no contact with the branch manager.

I request a full review of this case and a copy of the phone recording between myself and Chase Corporate, per California Civil Code 1798.100 et seq. and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Affidavit of Identity Theft and Fraudulent Business Activity XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX ( Age XXXX ) SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX Date : XX/XX/XXXX Subject : AFFIDAVIT Identity Theft, Unauthorized Inquiries, and Fraudulent Business Account Closure Request Dear Sir or Madam, I, XXXX XXXX XXXX XXXX am submitting this affidavit to formally dispute and report fraudulent activity discovered on my credit report. This includes unauthorized credit inquiries and the fraudulent establishment of a business account under my identity. 
I am a victim of identity theft and have never applied for any credit cards, opened any business accounts, or authorized any third party to do so on my behalf. Specifically, I affirm that I do not own, nor have I ever owned or operated, any business by the name of XXXX XXXX XXXX XXXX. Any business account or credit activity linked to that entity is fraudulent and should be immediately closed and removed from my credit report. 
Under the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws, I assert the following rights : Applicable Federal Laws : 15 U.S.C. 1681b ( Section 604 ) : No consumer report may be furnished without my written consent or a legally permissible purpose. I provided neither. 
15 U.S.C. 1681c ( a ) ( 5 ) : Credit reports must not contain obsolete or inaccurate information. Fraudulent inquiries and accounts fall under this category.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing false or inaccurate information to consumer reporting agencies is unlawful.

15 U.S.C. 6802 : My personal financial information can not be lawfully disclosed to nonaffiliated third parties without proper notice and opportunity to opt out.

18 U.S.C. 1028 : Identity theft is a federal crime, and any use of my identity without consent is prosecutable under this statute.

I Request the Following Actions : 1. Immediate removal of all unauthorized credit inquiries and business-related information associated with XXXX XXXX XXXX XXXX XXXX 
2. Closure of any business or commercial accounts opened using my name, SSN, or any personal identifying information.

3. Written confirmation that these actions have been completed and a clean credit report reflecting the corrected information.

This affidavit is made in good faith and under penalty of perjury. I respectfully demand your prompt attention and resolution. Should these matters remain unresolved within 30 days of receipt, I will pursue remedies through the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other legal avenues. 
Sincerely, 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 2025-06-03 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: NC

Complaint narrative:
In XX/XX/XXXX, I discovered multiple fraudulent accounts on my credit report that I did not open. These accounts include lines of credit from XXXX XXXX XXXX XXXX ( opened around XX/XX/XXXX for approximately {$5600.00} ), XXXX XXXX ( opened around XX/XX/XXXX for {$240.00} ), and XXXX XXXX XXXX ( opened around XX/XX/XXXX for {$600.00} ). 

Upon discovering this, I immediately filed an official identity theft report with the FTC and gathered supporting documentation. I then contacted the credit bureau ( Experian ) and submitted a written dispute, including a formal request to block the fraudulent information from my credit report in accordance with section 605B of the Fair Credit Reporting Act ( FCRA ). I also included copies of the FTC report and proof of identity. 

Despite these actions, the disputed accounts remain on my credit report, and I have not received confirmation from Experian that theyve been properly removed or blocked. This inaction has continued to negatively impact my creditworthiness. 

I am requesting that the CFPB ensure the credit bureau investigates and permanently removes these fraudulent accounts from my file, as required by law.

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 2025-06-03 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST HORIZON BANK
State: TX

Complaint narrative:
I have First View Checking account with First Horizon bank. Facing few problems : 1. First I should have received my {$450.00} cash back bonus as I have already got my direct deposit of more than {$2000.00} on XXXXXXXX XXXX XXXX. It should be done in next 15 days and not done till now. Already sent the email regarding this. 

2. Neither i can send XXXX of more than {$500.00} per week - restriction for no reasons. 

3. Nor ACH of {$250.00} or more per week - - restriction for no reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: MI

Complaint narrative:
I am filing this complaint to dispute the accuracy and completeness of the payment history being reported for several open accounts on my credit file. Upon reviewing my credit report, I discovered multiple errors that appear to fall under billing errors as outlined in 15 U.S.C. 1666 ( b ) of the Truth in Lending Act. 

I do not recall being late on any of the accounts listed below, and I believe these late payments were either inaccurately reported or are the result of accounting or billing errors. I am requesting a full investigation and correction of these records. 

Applicable Legal Violations The following statutory sections are relevant to this dispute : 15 U.S.C. 1666 ( b ) Billing Error ( 4 ) : Failure to reflect a payment or credit issued to the obligor on a statement ( 5 ) : A computation or accounting error by the creditor In addition, I was not provided with a billing statement at least 21 days prior to the due date, which is a requirement under federal billing practices. Therefore, any reported late payments under these conditions are invalid. 

Accounts in Dispute Late Payment ( Open ) Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Relief Requested I am requesting that each creditor and/or the credit reporting agency : Provide documentary evidence that substantiates the reported late payments. 

If such documentation can not be provided, update the accounts to reflect " Paid on Time '' with no delinquencies. 

Remove any related negative notations from my credit report if they can not be verified with proper documentation. 

Additional Action This complaint will also be submitted to the following entities if the matter is not resolved in a timely or lawful manner : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Michigan State Attorney General Conclusion I am requesting a full, good-faith investigation into this matter in accordance with federal law. If you can not verify the accuracy of the payment history with documentation, you are required to remove or correct the inaccurate information. 

I look forward to your response and appreciate your immediate attention to this issue. 

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 2025-06-03 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed there were fraudulent accounts showing on my credit report. 
Also, in accordance with the Fair Credit Reporting act the accounts listed below have violated my federal protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. I am requesting to please remove these accounts, as they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
this has been ongoing since may of last year. 

The company from what I could tell erroneously made an approx XXXX payment from one of my payment to them which was random and I did not instruct them to do that. This set of a cascade of events. Really to many to list here. 
I had multiple calls into them to fix it, I explained to them how I Was paying them, every 2 weeks and had been doing this since I started the loan in approx XXXX. 
There was a re-assessment of my loan over the last year ( Per my request to them to fix my summary ). Its nearly un-readable but they did it. 
In XXXX I spoke to A XXXX XXXX at their office and was assured I was good through XXXX of XXXX. In the end I Was not ( also due to teh nearly unreadable online summary ). 
I had started paying newrez full payments ( approx XX/XX/XXXX ). 
I was still getting late assessments. After really seeing how they re-assessed, A payment was missed of which I immediately paid it. 
I have been still getting late as XX/XX/XXXX. 

I have also sent them a new request as of XXXX XXXX requesting all late fees be waived. Some have been but all this time New REz kept requesting and the lack of communication to my lawyer ( They have contacted him from time to time ) however demand letters have been send and generic responses stating more time is needed to XXXX the situation have been sent to him as well as I. 

So far the only thing that has helped is filing a claim with your consume finance bureau.

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 2025-06-03 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:
I am filing a compalint to formally request the removal of an item currently associated with my name and/or records. After thoroughly reviewing my files, I have identified the following item as needing correction or deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
I am filing a compalint to formally request the removal of an item currently associated with my name and/or records. After thoroughly reviewing my files, I have identified the following item as needing correction or deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One continues to attempt to collect a debt although I have filed bankruptcy. I am still in the bankruptcy process and they continue to email me and request payment plans advising me that I am running out of time. This is against bankruptcy law and I would like for all collection to cease, as well as any form of credit, reporting to also cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am a victim of identity theft and discovered that multiple collection accounts were fraudulently opened in my name without my knowledge or consent. These accounts are being reported on my credit file by companies that I have never done business with. 

Specifically : LVNV Funding LLC is reporting a {$500.00} collection account originally tied to XXXX XXXX XXXX on XX/XX/XXXX and reported in XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX ( XXXX ) is reporting a {$240.00} balance as of XX/XX/XXXX, which I have no connection to and received no prior notice for.

U.S. Dept. of the Treasury is showing a {$440.00} debt, reported on XX/XX/XXXX, with no verification or explanation of the alleged obligation. 

I never opened these accounts, never received a debt validation notice, and did not authorize the use of my information. I submitted disputes to the credit bureaus and the collectors, requesting full validation of these debts under the FDCPA and FCRA.

To date, I have not received sufficient documentation, proof, or verification from any of the collectors. These accounts are erroneous, damaging my credit, and must be permanently removed.

I am attaching my FTC Identity Theft Report, proof of identity, and a signed statement affirming my dispute. I respectfully request CFPB intervention to ensure these companies cease all collection activities and delete these accounts from any reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: MN

Complaint narrative:
Us bank closed my business account personal checking account and credit card

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 2025-06-03 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: GA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I financed a XXXX. 
The surgeon died before care was completed. 
Im being charged for care you didnt receive. 
XXXX refuses to review or adjust the balance. 
I am requesting that XXXX forgive the remaining {$2900.00} balance on my account, originally used to finance a {$6500.00} XXXX XXXX XXXX with XXXX XXXX XXXX. 

Unfortunately, XXXX XXXX has passed away, and I was unable to complete the medically necessary post-operative care and revision that were discussed and understood as part of the full surgical package. The office has confirmed that no one else on staff is qualified to complete the remaining care. 
As of now, I have already paid approximately {$3500.00}.

Company response to consumer: Closed with monetary relief