vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing this complaint because Synchrony Bank ( SYNCB/CARE CREDIT ) and Equifax are reporting inaccurate, incomplete, and unverified information regarding the account * SYNCB/CARE CREDIT Account XXXX, reported as a Charge Off with a balance of {$4900.00} on my XXXX  credit report dated XX/XX/year> 2025

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I own a small business and recently opened a business checking account with Chase Bank. I deposited a legitimate check from a local government client ( the XXXX ) for approximately {$21000.00} to fund the account. After the check cleared and the funds showed as available in my account, Chase immediately closed my account without advance notice, citing suspected fraud. No explanation was provided despite repeated requests. 

When I contacted Chase to resolve this issue, I asked if I could visit a branch in person to collect my funds or discuss the matter. I was told I could not and that my funds would be mailed to me by check after a waiting period of several months. The representative would not provide a specific timeframe or any reason for the suspected fraud determination. 

This was the first significant payment my business has ever received. The delay of months in accessing these legitimate funds is causing severe harm to my business operations, threatening my ability to pay vendors and contractors, and damaging relationships with clients. The check from the city was valid, authorized, and for legitimate business services. 

I believe Chase is holding my funds without sufficient justification or transparency. Their refusal to allow in-branch resolution or provide any explanation leaves me without recourse. I am requesting assistance to expedite the return of my funds and require Chase to provide a clear reason for their actions. If a resolution takes longer than 30 days, I would like interest for my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts due to the national data breach and it is hindering 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 non-monetary relief
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-18 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: MD

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following account information as reported by TransUnion. The accounts listed below are inaccurate and do not reflect the true status of my credit report. Please investigate the following items and correct them as necessary. 

XXXX CHARGED OFF DEPTEDXXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1100.00} DEPTEDXXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX INQUIRIES XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX LATE PAYMENT XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : 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 2025-11-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Checking Account Fraud Claim XXXX XXXXXXXX & Checking Account Fraud Claim XXXX XXXX filed twice or there was a mistake on Bank of Americas behalf. I find it hard to believe that I could make that mistake but it is possible. So credit adjustment of {$45.00} posted back to my account, twice, should have been only once. Also I tried to close the checking account two months ago at the following Branch XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX phone ( XXXX ) XXXX XXXX but failed because of this missed up world I live in where everywhere I go people seem to know me and know that I am up to something, So, what is so, hard about just closing this account, I tried to close it by other means as well, but my wishes were deprived. As we know who it is written in The U, S. Constitution 14 Amendment. Section 1 All persons born or naturalized in the United States, and subject to the jurisdiction thereof, are citizens of the United States and of the State wherein they reside. No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States ; nor shall any State deprive any person of life, liberty, or property, without due process of law ; nor deny to any person within its jurisdiction the equal protection of the laws. Also there are two monthly maintenance fees of {$12.00}, one on XX/XX/XXXX and one on XX/XX/XXXX that I ask to be taken back, because this account should be closed. I am not asking for any monies just asking that a negative marked not be left, after it is closed. Also suspiciously. just a few days ago I am being told that a new debit card is on the way I do not know if that was a new debit request from delayed from months ago from when I reported my debit card and credit card stolen, but if not a delayed order, I did not make this most recent request for a new debit 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 monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX I wired funds to a business in the XXXX. Wellsfargo flagged my 2 wires and is holding my money. I requested to have them reversed they refused to do so. They are demanding me to turn in non regulated information and documents in order to reverse the wire transactions.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am contacting you regarding information on my credit report that I have previously disputed but continues to be reported inaccurately. This ongoing reporting of unverifiable or incorrect information is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation and correct or remove any information that can not be verified.

I request that you immediately reinvestigate all disputed items and ensure that any information that can not be verified is permanently deleted or corrected. Continued reporting of inaccurate information can significantly harm my creditworthiness and financial opportunities.

Please provide written confirmation of your investigation results and the actions taken to correct my credit report. I am providing all available supporting documentation to assist with your review. Prompt attention to this matter is required. 

Thank you for ensuring my credit report accurately reflects my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for incorrectly reporting my auto loan as 30 days late. This information is false. I have never been 30 days past due, and my payment records confirm this. 

I contacted XXXX to dispute the error, but they have not corrected it. This inaccurate reporting has harmed my credit score and violates my rights under the Fair Credit Reporting Act ( FCRA ).

I request that the CFPB investigate and require XXXX to : Review this incorrect delinquency ; Provide proof of any claimed late payment or remove it ; Correct my credit reports with all bureaus. 

I can provide payment records and correspondence upon request. 

Thank you for your assistance.

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 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank sent the wrong pay off loan amount to XXXX XXXX XXXX, for instance the truck pay not pay off and it was missing one payment, Wells Fargo did not notified me that I was missing money into my pay off until 120 day after and after they charge two late fees before that time was not information provide they stated they try to call are not miss calls or emails on my side. Visit them on XX/XX/XXXX to take care of the problem make a check pay off and the confirm they would refund the late fees as it was there mistake, one month later sent another statement indicating another late fee has assets and now we owne them XXXX Dlls more and the issue keeps going reporting Im late on payments and charging late fees.

Im an elder person and Wells Fargo is taking advantage of my person and not respecting my long time relationship with them my loan was active for 5 years and I was never late or miss a payment. 
Why they keep doing wrong to there clients

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 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:
I am writing to dispute the following items on my credit report. I believe there are inaccuracies and incomplete reporting that need to be addressed. Please review the information and assist me in resolving these issues. 

Charged Off Accounts : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$720.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : TransUnion XXXX XXXX Date XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : 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 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I sent a XXXX to my wife, XXXX XXXX XXXX XXXX - XXXX, for {$350.00} on XX/XX/XXXX, and she never received it. Three other people sent XXXX to her, and she didn't receive them, nor did the money appear in her account. Regarding my case, I've called BOFA several times, and each time I receive different information. My wife filed a complaint here on this channel about the three XXXX, and again, she was unsuccessful. She was told that the person who sent the XXXX should file the complaint. BOFA gave us the same information. We don't know who else to turn to about this matter. Please note that she has had this phone number as a XXXX since XXXX  and has never changed it. Please, we are counting on your help to resolve this. Thank you. 

XXXX XXXX If you need to call me, please, I need a XXXX  interpreter.

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 2025-11-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
XXXX stuck with my loan application as I am over charged by XXXX in forbearance. I tried calling but no one have answers. 
They put two lines on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: PA

Complaint narrative:
I tried to open a cash app and they won't let me... they said I already had XXXX and broke their guidelines but I have never had a cash app ... I don't know if someone else is using my info or the kids or what's going on. My daughter is in college and she has cash app. I would like to get XXXX so I can send her money if and when she needs it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to dispute multiple inaccuracies on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in dispute : Equifax : Charged Off Accounts : XXXX  XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} ) XXXX XXXX XXXX ( Account Number : XXXX, Date Opened XXXX XXXX  Balance : {$0.00} ) XXXX XXXX ( Account Number : XXXX, Date Opened : XXXX Balance : {$4600.00} ) XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} ) XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} ) XXXX  XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-11-18 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: NY

Complaint narrative:
I am disputing the following accounts and request immediate review and correction. These accounts contain inaccuracies, and I expect prompt action. 

Charged Off Accounts : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$130.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$100.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Inquiries : XXXX  Date Open : XX/XX/XXXX XXXX XXXX  Date Open : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX  Date Open : XX/XX/XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX  Date Open : XX/XX/XXXXXXXX XXXX Date Open : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Late Payments : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX DPT EDXXXX Account Number : 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 2025-11-18 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: LA

Complaint narrative:
I am writing to dispute certain accounts listed on my credit report. These accounts are inaccurately reported and require immediate attention under the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in question, separated by each bureau : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$940.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year>, {$4900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2700.00} Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: OH

Complaint narrative:
I am requesting that the accounts listed on my Experian credit report be fully investigated. Several accounts have been incorrectly reported, and I am seeking verification or removal based on inaccurate information. I expect proper documentation to be provided to substantiate the claims made by the reporting entities. 

Charged Off Accounts : XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX  XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} Inquiries : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX Late Payments : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Numbers XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation