vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi, I submitted MULTIPLE written disputes to Experian, Equifax, and TransUnion regarding inaccurate, unverifiable, and unauthorized accounts, including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and MANY others. Despite providing full documentation, none of the bureaus corrected or verified these items within the time required by law. Isn't that ILLEGAL??

Their failure to investigate an provide proof of verification violates my rights under the FCRA including FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), and 605B and the FDCAP Act 807 ( 2 ) ( A ) and 809 ( b ). These bureaus also reported false personal information and continued to list charge-offs without proper validation or IRS Form 1099-C ( which bsed on my understanding im entitled to ) These actions have caused emotional distress, credit denials, and financial hardship. Im requesting CFPB intervention to require all inaccurate and unauthorized items to be permanently deleted, my personal information corrected, and written proof of compliance provided. Im also looking into seeking compensation for the repeated violations of my consumer rights.

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 2025-11-03 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:
Hi, I submitted MULTIPLE written disputes to Experian, Equifax, and TransUnion regarding inaccurate, unverifiable, and unauthorized accounts, including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and MANY others. Despite providing full documentation, none of the bureaus corrected or verified these items within the time required by law. Isn't that ILLEGAL??

Their failure to investigate an provide proof of verification violates my rights under the FCRA including FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), and 605B and the FDCAP Act 807 ( 2 ) ( A ) and 809 ( b ). These bureaus also reported false personal information and continued to list charge-offs without proper validation or IRS Form 1099-C ( which bsed on my understanding im entitled to ) These actions have caused emotional distress, credit denials, and financial hardship. Im requesting CFPB intervention to require all inaccurate and unauthorized items to be permanently deleted, my personal information corrected, and written proof of compliance provided. Im also looking into seeking compensation for the repeated violations of my consumer rights.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Today, I recieved a telephone call from a Chase Bank representative stating that all accounts with the bank will be closed and that we will be receiving an official letter. The accounts impacted are : checking, savings, investments ans credit cards. When asked for reason ofor closing accounts, the representative responded that he did not have to disclose it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
I tried to make a purchase through XXXX that required a XXXX dollar down payment. It wouldnt go through and I got a text about a fraud alert and replied letting them know it was me. They said to try again in XXXX minutes. I waited until the next day, it still didnt work. I called customer service and was informed that there are some transactions that may be flagged as high risk and that I wont be able to use the card for those transactions but that I could still use my card for purchases. They wouldnt say anything else and said that they dont release internal practices. I only asked if I could not use my card with XXXX After I got off the phone, I tried to use the card to buy a game on the XXXX network and of course, it wont go through there either. Only my very first charge was successful. Its as if I am now being limited and not able to use my card even though I have over XXXX in credit available. I asked them if they could cancel the first transaction and also cancel the card because Im not ok with being dictated as to where I can shop and they told me that since I made a purchase that I cant cancel the card and that I will be stuck with the annual fee being assessed and will have to pay it before I can cancel a card. The only fraud going on is this company fraudulently representing itself as a reputable credit establishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My XXXX XXXX XXXX account ending XXXXXXXX XXXX XXXX shows a XXXX balance, closed/paid status, yet some bureaus still reflect Late 6090 Days with conflicting dates, including 2023 timelines. A closed, XXXX-balance account should not carry current delinquency status. This reporting is misleading and not aligned with Metro-2 standards.

Whats inaccurate/incomplete : Status mismatch : Closed/paid with {$0.00} balance conflicts with continuing late flags.

Date inconsistencies : The last reported, date last active, and late sequences differ by bureau and must be synchronized. 
Impact : Erroneous severe-delinquency coding on a closed/paid account over-penalizes my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
Could you confirm this entry? It seems overdue and questionable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Formal Complaint Unlawful Prolonged Hold of Deposited Funds XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Bank : JPMorgan Chase Bank , N.A . 
Account Services Department Date of Original Deposit : XX/XX/year> Amount : {$1100.00} Check Number : XXXX Chase Letter Reference : Unable to Verify Cheque dated XX/XX/year> Complaint Summary I am filing this formal complaint against JPMorgan Chase Bank for unlawfully and unreasonably holding funds from a deposited check since XX/XX/XXXX, XXXX XXXX months as of XX/XX/year>. 
On XX/XX/year>, Chase issued a written notice stating they were unable to verify cheque details and advised me to contact the issuer. Despite multiple follow-ups, the bank provided no updates, no documentation, and no legal justification for continuing to withhold my deposit. 
This excessive delay violates Federal Regulation CC ( 12 CFR Part 229 ) and the Expedited Funds Availability Act.

Additional Harms Suffered Because of the prolonged and unjustified hold : I was denied access to my own funds for more than eight months.

I suffered financial embarrassment, including being unable to celebrate my sons birthday last year.

Chase did not release the funds until last Friday, issuing a cashiers check after nearly a year of delay.

Compensation for Extreme Delay The eight-month unlawful hold caused severe hardship, emotional stress, and financial strain. Because of this, I am requesting : {$10000.00} in compensation.

This reflects : The extraordinary length of the unlawful hold Loss of use of my funds for nearly a year Personal embarrassment and hardship Chases failure to comply with federal law Preventable emotional and financial harm I am also open to a reasonable settlement offer from the bank to resolve this matter fully and respectfully.

Requested Resolution I respectfully request that JPMorgan Chase Bank be directed to : 1. Provide a written explanation citing the authority for withholding my funds for eight months.

2. Provide {$10000.00} in compensation or a reasonable settlement offer for the hardships caused.

3. Acknowledge the stress, humiliation, and financial disruption caused by this improper hold.

4. Implement corrective actions to ensure no other customer experiences this misconduct.

Declaration I affirm that the information in this complaint is true and accurate. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: FIRST UNITED BANK AND TRUST COMPANY
State: OK

Complaint narrative:
First United Bank Payoff and Wrongful Foreclosure Summary of Issue : I am submitting this complaint regarding First United Banks handling of my mortgage payoff and the subsequent wrongful foreclosure and title transfer of my property, despite a valid payoff being tendered within the quoted payoff period. 



Timeline of Events XX/XX/year> : First United Bank issued a written payoff letter showing a total balance of {$190000.00}, valid through XX/XX/year>. 
September 115, 2025 : I remained in active communication with First Uniteds Loss Mitigation department regarding payoff and sale of the property. I was never informed that the loan had been referred to foreclosure or that new fees would be added. 
XX/XX/year> : Without notice, the loan was referred to an attorneys office for foreclosure. At that point, additional legal fees were added to my balance. I received no written notice or updated payoff statement reflecting these new charges. 
. XX/XX/year> : Through Cactus Title, I tendered full payment of {$190000.00} per the valid payoff letter. A First United representative named XXXX later informed me the payment was rejected because it was insufficient due to added legal fees. These fees had been added after the payoff letter was issued and without any notice to me or the title company.

I never received any written notice from First United explaining the rejection or giving me an opportunity to cure. 
XX/XX/year> : According to the XXXX XXXX XXXX XXXX, title to the property was transferred to the XXXX XXXX on this date one day before the payoff letter expired. The transfer occurred while my full payoff funds were sitting in escrow and after First United had refused to apply them. 
Current Status : The payoff funds remain held in escrow by XXXX XXXX at my direction, pending correction of the foreclosure error. I have contacted Attorney XXXX XXXX ( counsel for First United ), who is reviewing the matter. 
No written explanation, refund, or correction has yet been provided. 



Nature of the Complaint First United Bank : 1. Added undisclosed fees after issuing a valid payoff letter ; 2. Rejected a full and timely payoff without providing written notice ; 3. Proceeded with foreclosure and title transfer during the active payoff validity window ; and 4. Failed to provide any documentation explaining the rejection or opportunity to cure. 

These actions caused the wrongful loss of title, damaged my credit standing, and violated standard mortgage servicing requirements under Regulation X ( 12 C.F.R. 1024 ) and Regulation Z ( 12 C.F.R. 1026 ) requiring accurate payoff statements and written error notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NY

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 explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
An ATM charge was made on my account for {$180.00} at XXXX XXXX using my Paypal debit card. 

XXXX XXXX is my main bank so I was unsure if it was a transfer or something that I didn't recognize, but the Paypal app said ATM charge, without giving a location or any other details. 

I was in possession of my card, at home, and sleeping when the charge was made at XXXXXXXX XXXX XX/XX/year> so this would be impossible. The ATM charge was made for {$180.00} when I had {$190.00} in my account so I am assuming my account information was compromised since whoever made the withdrawal knew exactly how much to take out, or had tried other amounts until it worked. I still do not know how they would have my PIN and a duplicated card, though. 

I just wanted more information on the charge but could not get ahold of any human through paypal 's systems to review it and the only option on the app was to dispute it. 

When I filed a dispute, simply wanting more information on the charge- where it was made, if it was in fact an ATM charge, any details whatsoever- I got an automated AI rejection of my dispute with a template letter telling me to mail in for more information on why it was disputed. There was no explanation of the charge, where it happened, or attempt to get more information from me or anything at all to get to the bottom of this. Again, if this was a transfer to my account or something I was unaware of, it could be a legitimate charge so I wanted to make sure it was indeed an ATM withdrawal and get any more information Any attempts to call paypal have resulted in going on the same loop over and over with the AI chatbot and there is no formal process to get the answers on what this charge is, how it happened, and how money could be withdrawn from my account when I had my card on me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax was contacted multiple times since XX/XX/year> regarding false and inaccurate information on my credit report. As of today, there remains 2 hard inquiries that have been part of my complaints to remove due to fraudulent activity that I noticed and filed Identity theft Affidavits to report, XXXX complaints to reach out to Equifax, direct disputes with Equifax, and CFPB complaints. Equifax failed to remove XXXX XXXX and XXXX 's XXXX XXXX XXXX. Equifax had more than 30 days to adhere to FCRA Laws and Consumer Protection Laws and FTC Laws. Equifax failed to block fraudulent information from being reported against me and advocated for companies to place inaccurate, fraudulent, false information to be placed against my name and my credit. Equifax is in violation of multiple Federal and State Laws. This company is in violation of my consumer rights, the Fair Credit Reporting Act, Sect 611 ; 12 USC-5531 and 5536 ; FCR 607 ( b ), amongst other state and federal violations, for which Equifax needs to be held accountable. There is also a very long list of soft inquiries that I have no knowledge about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Sage LLC
State: IN

Complaint narrative:
Credit sage stated they would pay my XXXX XXXX off entirely if I paid a lump some amount at the beginning of XXXX. They would charge me {$99.00} for XXXX days until the report is removed. They would also charge {$24.00} monthly to update the credit card. This was earlier in XXXX  and still ongoing in XX/XX/year>. Cancelled membership and needing a refund. Difficult to get ahold of anyone regarding this. I have almost paid more money to this company than the entire collection was to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I submitted MULTIPLE written disputes to Experian, Equifax, and TransUnion regarding inaccurate, unverifiable, and unauthorized accounts, including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and MANY others. Despite providing full documentation, none of the bureaus corrected or verified these items within the time required by law. Isn't that ILLEGAL??

Their failure to investigate an provide proof of verification violates my rights under the FCRA including FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), and 605B and the FDCAP Act 807 ( 2 ) ( A ) and 809 ( b ). These bureaus also reported false personal information and continued to list charge-offs without proper validation or IRS Form 1099-C ( which bsed on my understanding im entitled to ) These actions have caused emotional distress, credit denials, and financial hardship. Im requesting CFPB intervention to require all inaccurate and unauthorized items to be permanently deleted, my personal information corrected, and written proof of compliance provided. Im also looking into seeking compensation for the repeated violations of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I have no affiliation with these accounts ; they should be taken off within 15 days as mandated by USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Field Content to Enter into CFPB Portal Account Number : The full account number ending in XXXX XXXXXXXX Product : Debt collection Issue : The debt collector is reporting information about me to a credit reporting company Narrative : PORTFOLIO RECOVERY ASSOC is reporting grossly inaccurate and incomplete information for account { XXXX XXXXXXXX }. This collection account has conflicting and misleading dates that violate the FCRA 's anti-re-aging provisions. The reported Date Major Delinquency 1st Reported ( XXXX : XX/XX/XXXX ) is significantly later than the Original Date of XXXX Delinquency ( XXXX XXXX XXXXXX/XX/XXXX ). This practice is an illegal attempt to extend the permissible reporting period under FCRA 605 ( a ) ( 2 ). Furthermore, the tradeline is incomplete, missing the required Date Closed field, violating FCRA 623 ( a ) ( 1 ) }. I demand a full investigation and the immediate deletion of account { XXXX XXXXXXXX } from my consumer report due to non-compliant reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
These accounts are fraudulent and do not belong to me. I request their deletion from my credit report and a complete investigation. Supporting proof is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I request removal of this late mark, as it does not reflect my established record of timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. My credit report contains multiple hard inquiries that I did not authorize, open, or initiate. These items appeared without my knowledge and are the result of my personal information being compromised. 
I have already submitted disputes to the credit bureaus and provided supporting documentation, including a government-issued ID, Social Security card, proof of address, and an FTC Identity Theft Report. Despite this, the following and inquiries remain on my credit reports : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The credit bureaus have failed to delete these items or provide proper verification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : 1681i Failure to properly reinvestigate disputed information 1681c-2 ( FCRA 605B ) Failure to block identity theft-related information 1681e ( b ) Failure to ensure maximum possible accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am disputing late payments reported by XXXX XXXX XXXX XXXX an open and active account. I have made my payments on time, yet they continue to report me late. I contacted their customer service department to request verification, but they have not provided proof or corrected the error. This inaccurate information is negatively affecting my credit score. I am requesting that XXXX XXXX provide documentation validating these late payments or remove the inaccurate entries immediately.

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