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

Complaint narrative:
I did my XXXX  tax year taxes with my accountant she had a glitch in her system and my funds were sent to Chase but to a different bank account. I attempted to track my refund using the state and federal sites and was advised to allow XXXX  days for it to show up. After it didnt show up I reached out again and they advised they would start an investigation that takes XXXX  days it was uncovered that it was sent to another bank account with Chase that does not belong to me or my XXXX, and to reach out to the bank. After reaching out to the bank the bank conducted and investigation stating that the funds could not be retrieved due to the time frame and the fact that it was not a bank account under our name. The check itself said pay to the order of my and my husbands or are least one of our names how is that acceptable for them to cash a check paid in the name of someone else to another persons account. Theres a huge liability there that needs to be explored and now Im out both income taxes XXXX for the state and XXXX for the federal for a grand total of XXXX. The only thing my accountant could do was write them a letter to own up to the mistake but Im still out of my funds and no one not the irs or Chase are willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Received an email stating I opened an account with Capitol One and I would be receiving a card at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I called them, and they said an account was opened on XX/XX/XXXX. My father 's phone number is listed on the account. He said he did not open any account. Capitol One has opened a fraud case on this. I will file a police report on Monday when the police station opens. I have done a credit freeze at all credit unions.

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

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XXXX XXXX, XXXX with a balance of {$4900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally express my deep concern regarding multiple inaccuracies present on my credit report. Upon thorough review, I discovered several errors, including misreported accounts, incorrect account details, inconsistent billing information, and accounts that I do not recognize or own. These inaccuracies are adversely affecting my financial well-being and demand immediate attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally express my deep concern regarding multiple inaccuracies present on my credit report. Upon thorough review, I discovered several errors, including misreported accounts, incorrect account details, inconsistent billing information, and accounts that I do not recognize or own. These inaccuracies are adversely affecting my financial well-being and demand immediate attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to raise serious concerns regarding multiple inaccuracies found on my credit report. Upon review, I identified several errors, including incorrect account listings, inaccurate accounts, inconsistent billing information, unauthorized inquiries, and accounts that do not belong to me. These discrepancies are significantly impacting my financial stability, and I require immediate assistance in resolving them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE

Complaint narrative:
Hello, I bank with USAA, and I recently contacted USAA to have my daughter added to my account.

After speaking with a representative from USAA they locked my account for fraud.

They request identification to gain access to my account. I've submitted the information three times. I still don't have access.

There was no fraud to consider locking my account, I called USAA. If my account was locked for actual suspicious activity that would be one thing but being locked after talking to USAA is crazy and being locked for 3 days is even crazier.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
Had a checking account on US Bank but got closed due to negative credit and no activity on but still got deducted from my savings account on XXXX XXXX XXXXXXXX the amount I owe to the us bank and got a letter saying on the XXXX XX/XX/year> asking for a amount of XXXX went recovery department account # XXXX {$310.00} take out this payment on 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 non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc.
State: GA

Complaint narrative:
CarMax Auto Finance Attn : Recovery & Compliance Department XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Subject : Formal Request for IRS Form 1099-C and Cease & Desist Notification Account Number : XXXX Date Opened : XX/XX/XXXX To Whom It May Concern, This letter is sent pursuant to my rights under 26 U.S. Code 6050P, 15 U.S. Code 1681 ( Fair Credit Reporting Act ), and 15 U.S. Code 1692g ( Fair Debt Collection Practices Act ), regarding the above-referenced auto loan account. 



According to my credit report, this account is reported as charged off, with {$29000.00} written off, and a remaining balance of {$14000.00} still being reported as past due as of XX/XX/XXXX. If this debt has been forgiven, canceled, or otherwise discharged, IRS Form 1099-C ( Cancellation of Debt ) is required under federal law to be issued by your institution and furnished to me. 



Therefore, I am formally requesting a copy of IRS Form 1099-C for this account. If one has not been issued, please provide a written explanation of the current legal status of the debt, including whether it is still being pursued for collection. 



Additionally, if the debt has been charged off or canceled, this letter serves as a cease and desist demand under 15 U.S.C. 1692c ( c ). You are instructed to cease all collection activity and to refrain from furnishing inaccurate, misleading, or outdated information to consumer reporting agencies. Continued reporting or collection on canceled or uncollectible debt may constitute violations of both the FCRA and FDCPA. 



Please provide a written response to this request and send it to both : Mail : XXXX XXXX  XXXX, XXXX, GA XXXX Email : XXXX I expect your full response within 15 business days. If you fail to comply, I will proceed with filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and all other appropriate regulatory authorities. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I recieved a message postmarked for XX/XX/XXXX telling me my account had been transferred to the litigation department of XXXX XXXX XXXX, XXXX. The letter says, " At this time, no attorney within the Litigation Department has personally reviewed the particular circumstances of you account. XXXX XXXX XXXX, XXXX wants to help you resolve this account! '' The letter goes onto say the three options I have to settle the debt. It also says I have until XX/XX/XXXX to make my first payment if i want to take advantage of this offer to settle for less. This is not the first time I received notice from them, but this is the first time that it has had a threatening undertone. I had reached out to them at one point years ago to tell them to stop contacting me, but they still send letters occasionally. At one point, during late XXXX, they tried to call me at least 2 times a day, and from a half dozen different numbers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I recieved a message postmarked for XX/XX/XXXX telling me my account had been transferred to the litigation department of Portfolio Recovery Associates , LLC. The letter says, " At this time, no attorney within the Litigation Department has personally reviewed the particular circumstances of you account. Portfolio Recovery Associates , LLC wants to help you resolve this account! '' The letter goes onto say the three options I have to settle the debt. It also says I have until XX/XX/XXXX to make my first payment if i want to take advantage of this offer to settle for less. This is not the first time I received notice from them, but this is the first time that it has had a threatening undertone. I had reached out to them at one point years ago to tell them to stop contacting me, but they still send letters occasionally. At one point, during late XXXX, they tried to call me at least 2 times a day, and from a half dozen different numbers.

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

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXXXXXX XXXX  on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've filed a complaint with Equifax for reporting different information other than XXXX, and XXXX. this account " Impact receivables management '' is reporting many different inaccuracies Equifax has stated the company has verified the account to be accuracy also verified to belong to me. I would like to ask Equifax who did they speak to? what time did they speak? what methods did they take to verify I owe such a debt? also where is the notice stating this information would be added to my credit report? I don't have such notice Equifax did not abide by the law this is a violation to the FCRA did I give you permission to furnish my report with this alleged debt? I ask Equifax to properly verify and validate this debt belongs to me also send me the information that I requested above. I ask that this me handled properly and effectively. I am aware Equifax is being used by The CFPB for not investigating disputes properly in this case I believe this is what's happening. this account has different closing dates, account types, payment history, also different account status. how is this report accurate? many FCRA Laws are being violated including my consumer rights. 

please handle this dispute effectively Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Monarch Recovery Holdings, Inc.
State: KS

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I noticed on XX/XX/XXXX that i had an ATM transfer that took place on XX/XX/XXXX of {$400.00} from my chase savings account to my checking. That same day there was a payment of {$500.00} to XXXX. The transfer from the savings to checking account was shown to be an in person transaction XXXX an ATM in XXXX, New Jersey. The XXXX transaction was made in the same area. I live in XXXX Tx, and have transactions from the same day in XXXX showing that is where i reside and stay. I didnt not make any of these transactions nor would it be possible for me to do so from New Jersey XXXX I disputed the claims only to be denied because they appeared to use my XXXX XXXX  for both transactions. Firstly I dont believe its possible to transfer from my Chase savings account to my chase checking account, through XXXX XXXX  And again these transactions were shown and told to me that they were in person transactions at an ATM, and then the post office BOTH in XXXX where i am NOT located.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$10000.00} from XXXX XXXX XXXX XXXX  XXXX listed on my XXXX Report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
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 explanation