vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
b'Consumer: XXXX XXXX XXXX XXXXnFinancial Institution: JPMorgan Chase Bank, N.A.\nProduct: Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX  4965\nIssue: Improper Account Closure, Failure to Conduct Reasonable Investigation, Adverse Action\nWithout Due ProcessXXXX XXXX XXXX  Violation\nSummary of Complaint\nJPMorgan Chase Bank, N.A. improperly closed my newly issued Chase Sapphire credit card citing\npotential fraud, despite the transactions being authorized, legitimate, and business-related. Chase\nfailed to conduct a reasonable investigation, failed to allow verification, and took adverse action without\nproper notice, in violation of federal law.\nTimeline of Events\n Card was received and properly activated.\n A legitimate subscription purchase for credit repair software was successfully processed.\n My cell phone number was updated to reflect current contact information.\nI called chase to inform them of the purchase prior to attempting the transaction\n A XXXX business marketing transaction was attempted.\n Chase immediately closed the account without contacting me for verification or authentication.\nLegal Violations\nFailure to Conduct Reasonable Investigation  FCRA\nPursuant to XXXX XXXX XXXX XXXX XXXX Chase was required to conduct a reasonable\ninvestigation before taking adverse action. No verification attempt or investigation was performed prior\nto closure.\nImproper Adverse Action  FCRA\nUnder 1XXXX XXXX XXXX, Chase was required to provide meaningful adverse action notice. No\nadequate notice or explanation was providedXXXX XXXX / ECOA Violation\XXXX XXXX XXXX XXXX XXXX XXXX creditors must provide timely, specific written notice of\nadverse action. Chase failed to provide a compliant adverse action notice identifying the principal\nreasons for account closure, constituting a violation of the Equal Credit Opportunity Act XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, Chase engaged in unfair and abusive acts by closing my account\nwithout investigation, verification, or opportunity to cure.\nHarm to Credit Profile\nThe sudden closure of a newly issued revolving account negatively impacts utilization ratios, account\nage, and overall creditworthiness, in violation of accuracy and fairness standards under XXXX XXXX.\nRequested Resolution\nI request that JPMorgan Chase Bank, N.A.XXXX. Provide written documentation of the alleged fraud determination\XXXX. Reopen the account or issue a replacement with identical termsXXXX. Confirm no negative credit reporting has occurred\n4. Correct any inaccurate reporting immediately\n5. Certify compliance with FCRA, Regulation B, and UDAAP requirements\nCertification\nI certify under penalty of perjury that all transactions referenced were authorized and legitimate\nbusiness expenses.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: IL

Complaint narrative:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Company : Caine & Weiner Account Number : XXXX XXXX XXXX  Original Creditor : XXXX  Amount Reported : {$190.00} I am filing this complaint because Caine & Weiner is reporting inaccurate and inconsistent information to the credit bureaus and has failed to provide proper validation of the alleged debt after my dispute. 

XXXX XXXX Caine & Weiner is reporting this account inconsistently across XXXX XXXX XXXX XXXX, which violates the Fair Credit Reporting Acts accuracy requirements. 

Examples of inaccurate reporting include : XXXX XXXX XXXX XXXX XXXX show the account as not disputed XXXX shows the account as disputed Account Status XXXX reports the account as open XXXX XXXX XXXX report it as closed Conflicting Creditor Remarks Different and contradictory remarks appear on each bureau regarding dispute status and payment status Conflicting Dates Different dates of last activity, date reported, and date opened are listed across all three bureaus Original Creditor Name Is Inconsistent Reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These discrepancies show the information being reported is not accurate or reliable. 

Failure to Provide Validation After disputing this account, Caine & Weiner did not provide proper debt validation, including : No copy of a contract or agreement with Progressive No proof that I am responsible for the debt No itemized explanation of the {$190.00} balance No proof of legal authority or assignment to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this letter as a formal complaint and demand for removal of inaccurate and unverified information currently being reported on my consumer credit reports. This correspondence is being submitted to the Consumer Financial Protection Bureau ( CFPB ) and to the XXXX XXXX XXXX due to continued violations of federal consumer protection laws. 

Account in Dispute ( SelfIncLead ) XXXX $ Consumer Rights That Protect Me I am protected under the following federal consumer protection laws : Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( b ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
FCRA, XXXX XXXX. XXXX ( a ) Requires a reasonable reinvestigation of disputed information and mandates deletion of any item that can not be verified. 
FCRA, XXXX XXXX. XXXX ( a ) ( XXXX ) Requires removal of information that is inaccurate, incomplete, or unverifiable. 
Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX and XXXX Prohibits the communication of false, misleading, or unfair information related to alleged debts. 

Despite these protections, the account listed above continues to be reported without proper verification and remains inaccurate and misleading, resulting in ongoing consumer harm. 

Demand for Immediate Relief I hereby formally demand the following : XXXX. Immediate deletion of the XXXX XXXX / XXXX account from all consumer credit reports XXXX. Written confirmation that the account has been removed XXXX. An updated copy of my credit report reflecting the deletion Failure to comply may result in additional CFPB action, regulatory escalation, and civil liability, including claims for statutory and actual damages under the FCRA. 

This letter serves as official notice of dispute and enforcement of my consumer rights. 

I expect full compliance within the timeframe required by federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
They charged overdraft fees on dates after the fact when I had already deposited funds into the account. Causing compounding fees. I would not be negative RIGHT NOW if not for their fees and shady date changing in the system. I deposited funds but they hold them until convenient to say I didn't have enough then hit me with fees they can not refund. Predatory and causing material harm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: OK

Complaint narrative:
I am submitting this complaint regarding inaccurate and harmful credit reporting by my federal student loan servicer, MOHELA. 
MOHELA reported my account as 90 days past due, which caused my XXXX credit score to drop by XXXX points. This reporting is inaccurate and has caused significant financial harm. 
I have applied for forbearance, and at no point was I clearly notified that my account would be reported as severely delinquent while my account status and repayment options were being addressed. I made good-faith efforts to manage my loan and resolve my account status. XXXX am requesting that MOHELA investigate and correct any inaccurate late-payment reporting and remove the XXXX delinquency marks from my credit report. If the reporting was made in error or while my account was under review or pending forbearance, it should be corrected immediately. XXXX am also requesting written confirmation of the investigation results and any corrections made with XXXX  and all other credit reporting agencies.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-16 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: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-16 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 disputing the following accounts on my TransUnion credit report. These accounts are incorrect and I request that they be thoroughly investigated. 

CHARGED OFF XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$3500.00} MID FL FINCE Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$860.00} XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$690.00} INQUIRIES XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX CPS Inquiry Date : XX/XX/XXXX CPS Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX OXXXX XXXXnquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry 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 non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: IA

Complaint narrative:
The Debt Collector Is stating that I owe a medical bill from XXXX. In my medical billing records I do not or did not ever have a outstanding balance. 


This is the message that was sent to me over a text message. 

Hi XXXX, please review the document in the above image regarding your XXXX XXXX XXXX account containing important information regarding your rights. For a full PDF of the document, visit XXXX XXXX XXXXXXXX. XXXX is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX. We will use any information you give us to help collect the debt. 
To Optout Text STOP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
Please see the attached file. PLease remove dispute remarks.

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 2025-12-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I co-signed for my mother to get a car from dealership in XXXX  through XXXX XXXX and everything was going good, we moved back to mainland from XXXX due to military move and once we got back motor started to have issues so we took it in and they found issue and sent into XXXX XXXX  as under warranty but the company kept trying to delay by having dealership repeatedly send over updated numbers until warranty time frame ran out and left us with a vehicle that would not run, I tried to dispute with company that we should be be held liable when we did all steps properly to keep vehicle going and they denied us the opportunity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MD

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 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am disputing a {$450.00} on XX/XX/XXXX from XXXX  XXXX where insurance was misrepresented as mandatory at the airport rental counter. I, the renter, was told insurance was mandatory in order to rent the vehicle, which is false. This is a misrepresentation of material fact and a deceptive sales practice. All attempts to resolve through the merchant were ignored. I made several calls during the rental, and even returned to the counter, which was over an hour away, but nobody would help me, even though it was confirmed on the initial phone call with customer support that the insurance could be removed. 

I filed a dispute with Chase, but it was incorrectly treated as a coverage disagreement rather than merchant misrepresentation I am requesting reconsideration and correction of this billing error under the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I requested an assumption os next of kin/successor in interest for my father 's home after he passed. I was advised by Shellpoint / NewRez mortgage, who serviced the loan, that the only way to assume the loan was to withhold payment to trigger a loss mitigation and forebearance, after which I could begin the assumption process. I had submitted the will, and all required documents to the servicing company within XXXX  Days of my father 's passing in XXXX. I attempted the assumption process XXXX  times, each time going through every process they requested and submitting every document they requested. XXXX  times they failed to process the assumption. So, I decided to just pay the mortgage off completely. I submitted a formal payoff request XX/XX/XXXX and received it, and wired the funds quoted on that notice XX/XX/XXXX. Funds processed without issue. However, there seems to have been a miscommunication or error on their part where only $ XXXX of the quoted {$60.00} was properly applied, and their claim is that I still owe over {$8800.00} to finally pay off the loan as they just paid property Taxes, which were known to them at time of payoff. This appears to be a misallocation of the funds, as they pulled extra money designated for principal and payoff and applied it to escrow and other misc fees and interest. I would like an investigation into what is going on at NewRez/Shellpoint as there are numerous complaints from other homeowners regarding continued misallocation of funds. Further, based on my conversations with other financial advisors and institutions, the information that a loss mitigation and forebearance are necessities to assume the loan as sucessor in interest appears to be factually incorrect and solely based to keep me from being able to refinance the loan with another institution.

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 2025-12-16 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: GA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Called Transunion on XX/XX/XXXX after trying to access my online account. When using correct username and password I got the error message that the account is temporarily suspended. I also tried logging in other ways ( SSN, phone # ), which did not work. 

Same day called customer service. They were able to unfreeze my credit as requested in the background. But they were not able to fix the issue in the front end preventing my access. They were not able to explain the isssue either. Instead, they said they did a " reset '' and asked for me to try again in 30 minutes. 

I tried for two weeks. It is still not working with the same error message. On XX/XX/XXXX I called their customer service again. They were not able to fix the issue. I needed the unfreeze to be extended, which they were able to do in the background. But no fix for the access issue. Instead, customer service claimed to deactivate my online account so I can setup my access again from scratch. I tried that as well and it still not working. The same error message appears even when I try to setup a new account, upon giving the last four digits of social to setup the account. 

At this point, with no fix from customer service on multiple tries I do not have lawful access to credit, credit monitorin, and freezing/unfreezing as needed via online access.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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