vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
In XX/XX/year>, I was contacted through XXXX by someone named XXXX, who claimed to be an XXXX with over XXXX followers. She said she wanted to use my picture as a mural and paint me. She instructed me to communicate with her client via text messages from an XXXX number, which made her seem more legitimate. 
The actual checks were sent to me by XXXX XXXX, who claimed they were payment for the project. Believing the offer was legitimate, I deposited the checks into my Chase account. XXXX later demanded that I pay her money or she would file a dispute, and I complied. Despite this, she still filed a deposit dispute, ultimately receiving her money while my account was frozen. 
Because of this situation, my Chase account was frozen. I contacted my local branch and spoke to XXXX XXXX, Vice President at the XXXX XXXX branch, as well as the Chase executive office and other representatives. They informed me that my SSXXXXI check had been returned to Social Security. However, on XX/XX/year>, I was notified that my Social Security check was in fact deposited into my account ending in XXXX, bringing my balance to {$1500.00} instead of {$630.00}, but the account still shows XXXX due to the fraudulent returned checks. 
Chase has told me that I can not access my Social Security funds until they close the account on the XXXX business day, and that they can not prevent my Social Security deposits from going into this frozen account. This means I can not access my XXXX benefits that I rely on to live. 
I am a XXXX individual who just underwent XXXX  XXXX on XX/XX/year>. I am in XXXX XXXX, under immense stress, and I can not pay my bills. I am facing homelessness, repossession of my vehicle, and food insecurity because of Chases refusal to grant me access to my legitimate funds. 
I have already filed a complaint with XXXX XXXX, and I am now filing with the XXXX XXXX XXXX  because I feel I am being mistreated and ignored by my bank. All I am asking is for Chase to immediately restore my access to my Social Security benefits and credit back any remaining pending claims so I can survive. 
I am a human being. I have a XXXX. I depend on these funds to live, and right now I feel like I am XXXX from the XXXX  and stress this has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/XXXX  all of my accounts from Chase and JP Morgan was supposed to be closed and all the proceeds with interest mailed to me via check I have both instruments that are in question and the amount in question I recently found out that one of my accounts remains open from JP Morgan I have the proceeds of {$8.00} that was mailed to me on XX/XX/XXXX this year which I can prove that the account was still open and occurring interest due to the fact I have cusip numbers 2 which the type of account and being a XXXX treasury money market fund also Chase sweep account there were more included in the summary in which I have received from XXXX I called JP Morgan Chase for about a month straight I have recordings of some of the associates hinting that they owe me a lot of money so what I did was sent them certified mail with XXXX forms to fill out correctly and also 1099 that I didn't get to file my taxes with last year which is tax fraud on Chase and JP Morgan when I sent the certified mail I sent it to JPMorgan XXXX XXXX like I stated before I have everything in my possession as far as statements phone recordings to prove my claim is valid against JP Morgan I wanted this not to go public I was willing to work out something with them until they continue to be deceptive like I stated before I have numerous recordings with JP Morgan stating that they owe me money that I didn't receive and also allowing my account to build interest over the time it was supposed to be closed Sec violations would be costly 75 % penalty from the IRS would also be costly as well I actually tried to help remedy this with them so my next steps are to do just that call the people that I need to call and let them figure it out but I've been trying to get this issue handle with them personally

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: VA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am submitting this statement in reference to multiple derogatory accounts that appear on my credit report. I respectfully request a thorough investigation and verification of these accounts under the Fair Credit Reporting Act ( FCRA ). 

I believe that the following accounts are inaccurate, outdated, or reported in error. These derogatory entries are negatively impacting my creditworthiness, and I have reason to believe that some or all may not be reporting in compliance with federal regulations. The details of the accounts in question are as follows : XXXX XXXX ( Original Creditor : XXXX TXXXX XXXX XXXX XXXX ) XXXX {$260.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX {$2100.00} XXXX XXXX {$2400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$3700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
TRANSWORLD SYSTEMS INC is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD SYSTEMS INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
My credit report contains inaccurate, unverified accounts, collection accounts, and unauthorized inquiries. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), the credit reporting agencies are required to conduct a reasonable reinvestigation and delete any item that can not be verified. In addition, FCRA 604 ( 15 U.S.C. 1681b ) restricts inquiries to permissible purposes, and these unauthorized inquiries violate my 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 2025-09-05 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: TX

Complaint narrative:
My credit report contains inaccurate, unverified accounts, collection accounts, and unauthorized inquiries. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), the credit reporting agencies are required to conduct a reasonable reinvestigation and delete any item that can not be verified. In addition, FCRA 604 ( 15 U.S.C. 1681b ) restricts inquiries to permissible purposes, and these unauthorized inquiries violate my 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 2025-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SN SERVICING CORPORATION
State: MI

Complaint narrative:
After the new mortgage company took over my inherited mortgage. ( SN Corporation ) I missed two payments ( due to a set back with work. ) after sucessfully making the first payment. they locked the account and would not let me in to make payments and stated they couldnt talk to me because I was not listed on the mortgage. In my many attempts Ive called and tried to pay online. They failed to let me in. Resulting in payments building, interest, etc. I am not a lawyer nor did I have prior legal experience when trying to resolve the matter. I eventually found out about probate and paid for the probate court in order to be able to speak for my grandmother pertaining to the house, in which I lived in my whole life I explained. After months with probabte and sending in documents time had shorten to what was supposed to be a sale date of the property. I followed up with them in days of to ensure they got my emails which they didnt so i reforwarded them. With probate docs, deed, etc. The guy who transferred me to asset, stated. the guy who usually assisted me isnt here but some one else would. When I talked to this new guy he was the most rudest person I had ever met. He stated that I had to pay the balance in full or there would be no home for me basically. He stated that there was nothing I could do in this matter. He broke me down mentally and physically, as I was hours from Possibly losing the only place Ive ever called home. I stated that he didnt have to be so mean and I kinda hurried off the phone because I was crushed. I then called and talked to the associate whod helped me originally, the next day, because I didnt know what else to do. I as well sent him emails which I didnt get a response, nor did they acknowledge me as the successor. After talking with him, he proposed an offer I had had made in hopes to save my home which we both felt was reasonable and they declined with no offer of their own to assist me with saving my home. They did not refer me to loss mitigation which I felt could have better assisted me. I am hurting as I type this. This is cruelty and unjust. Why push people out their homes? Why not try to work with them? You guys just had bought the mortgage from the other company. You were not hurting that bad for money to go as low as trying to push and put someone out of their home and onto the streets.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX XXXX My correct date of XXXX My correct Social Security XXXX My correct address 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 2025-09-05 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: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
I have been a victim of identify theft. I have some accounts on my credit report that do not belong to me and were open fraudulently. I am one of many consumers impacted by the XXXX  data breach and i have been disputing these accounts on my credit due to them being fraudulently opened. These accounts on my credit are hindering my means of living tremendously, and i believe it to be unfair that i am being held accountable for accounts I DID NOT OPEN. 

XXXX XXXX XXXX XXXX ( DISPUTE DENIED ) XXXX XXXX XXXX XXXX ( DISPUTE DENIED ) XXXX XXXX XXXX XXXXXXXX ( DISPUTE DENIED )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: LA

Complaint narrative:
This is a follow-up update to Complaint ID XXXX against XXXX  XXXXXXXX XXXX XXXX. regarding its failure to comply with my FCRA 605B identity theft block request. 

On XX/XX/XXXX, I submitted a complete 605B package to XXXX, including FTC Identity Theft Report # XXXX, proof of identity and address, a signed statement of non-ownership, and a list of fraudulent tradelines. Under 605B ( 15 U.S.C. 1681c-2 ), XXXX  must block the fraudulent information within four ( 4 ) business days of receipt. The statutory deadline is XX/XX/XXXX. 

As of XXXX XXXX XXXX Day 2 of the 4-day period XXXX  has not acknowledged my submission, confirmed blocking, or issued any 605B ( c ) exception notice. My CFPB complaint status only shows Open Sent to Company, with no evidence of compliance. This silence amounts to noncompliance in progress. 

Every day of delay causes compounding harm, including lowered credit scores, credit denials, and reputational damage. Congress created 605Bs 4-day rule precisely to prevent these harms. It is also unfair XXXX  is a multibillion-dollar company that profits from consumer data, yet leaves victims of identity theft to fight for basic legal protections.

This problem is not new. In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court ruled that CRAs can not rely on superficial or delayed procedures that deny consumers their rights under the FCRA. XXXX  silence here mirrors the same unlawful conduct substituting stall tactics for timely compliance with federal law. 

I respectfully ask the CFPB to enforce 605Bs 4-day blocking requirement now. At a minimum, by XX/XX/XXXX, XXXX  should be required to provide : Written confirmation showing which fraudulent accounts have been blocked or deleted ; and Documentation of the process used, so both I and the CFPB can verify compliance. 

If XXXX  does not comply by the statutory deadline, I will update this complaint to document the violation, escalate to the FTC and the Louisiana Attorney General, and preserve my rights under FCRA 616 ( 15 U.S.C. 1681n ). This matter requires urgent enforcement action, not routine processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - XXXX, XXXXXXXX XXXX Incorrect DOB - XX/XX/year>XXXX   Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, TX, XXXX EMPLOYER - XXXX EMPLOYER - XXXX XXXX XXXX  This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 FTC Report Number : 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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