vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing this complaint regarding an unjust chargeback deduction on my closed Chase Merchant Services account. 

A customer disputed a transaction in the amount of {$3800.00}. However, that transaction was never settled to my account the funds were never paid out to me by Chase. Despite this, Chase has deducted the amount from my balance and informed me that the funds will be held for up to 6 months. 

This is entirely unfair and possibly unlawful. I can not be held liable for a transaction I never received payment for. Chase is penalizing me for a transaction that was never finalized on my end. 

I contacted their support and explained that the funds were never credited to my bank account. Nevertheless, they refused to release the hold or acknowledge the issue. 

This situation is severely impacting my business cash flow and may constitute unauthorized withholding of funds. I am requesting the immediate release of the held amount or an investigation into this wrongful chargeback. 

Attached is documentation proving that I never received the funds in question. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX AL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX 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 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 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 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 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 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 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 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 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 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 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 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 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 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 2025-07-03 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who l am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-07-03 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, {$13000.00} was withdrawn from my personal checking account without my permission and with XXXX warning. I was told by Customer Service on XX/XX/XXXX that XXXX XXXX XXXX had deducted this money to pay off a balance on my business credit card. 

This action blindsided me and directly endangered my family. I urgently need these funds to pay my rent of {$140000.00} due on XX/XX/XXXX. My landlord has an eviction order in place, and failing to pay will force our family of XXXX onto the street. 

At no point was I informed that Wells Fargo could deduct my personal funds to cover a business debt. I strongly suspect this was hidden in the fine print when Wells Fargo switched my XXXX business card to a XXXX change I did not request. 

My business has struggled over the past year, and we have been unable to make payments or use the card, but we have been actively fundraising based on a new AI-driven strategy and planned to pay off the balance once we secured funding. 

We have been loyal Wells Fargo customers since 2003, with XXXX family accounts in good standing. 

Their mishandling of this situation is unacceptable and has already caused me and my family severe financial and emotional distress. 

I request that Wells Fargo immediately refund the full amount of {$13000.00} to my personal checking account.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year>

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Several companies have accessed my credit report without my authorization, adversely affecting my credit and score. Despite assurances from a credit bureau representative that these unauthorized inquiries would be removed, they continue to appear. These potentially fraudulent entries raise serious concerns about identity theft and have caused undue stress and harm to my financial standing.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My phone was stolen out of my hand while I was out of town for work on XX/XX/year>. 

I locked my phone by using XXXX from a coworkers device immediately after it happened. The next morning I woke up to several XXXX  transactions that had been made using my accounts. The thieves were somehow able to bypass the locked and stolen mode commands sent by XXXX  to my device, and were able to log into several of my password protected apps. They bought and transferred XXXX  XXXX  of dollars of XXXX  to their own accounts. The total amount is {$9900.00}. XXXX charge was {$5000.00} on XXXX, and the other was a few charges totaling {$4900.00} on XXXX. I have tried reaching out to these businesses directly without any help or luck. Truist has done the same but denied my claim.

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 2025-07-03 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Subject : Hardship Support Denied by Chase Auto Loan Despite Proactive Communication & Verified Job Offer Im reaching out to file a complaint regarding the way JPMorgan Chase has handled my auto loan during a time of financial hardship. 

I was laid off in XX/XX/XXXX due to a workforce reduction and have been actively looking for employment ever since. Over the past year, Ive applied to more than 400 jobs. Despite the mental, emotional, and financial strain, Ive stayed in communication with Chase, trying to do the right thing. 

In XX/XX/XXXX, before I ever missed a payment, I called to inquire about my options. I wanted to know if it was possible to move my payments to the back of the loan or get any kind of hardship support. I was told that because my account was only 19 months old, I didnt qualify. I was also told to call back once I had a job offer. 

My first late payment wasnt until XX/XX/XXXX. Still, I stayed hopeful. In XX/XX/XXXX, I finally received a job offer, the first one in over a year, and Im set to begin work on XX/XX/XXXX. While this new position doesnt pay what I was earning before my layoff, its a start. It provides me with a clear path forward and would enable me to bring my account up to date and stay on track moving ahead. 

I immediately contacted Chase to share the good news and to see if they could work with me during my transition back into employment. I was hopeful. But again, I was told I wasnt eligible for assistance, even with a documented start date and the ability to resume payments. 

To my disappointment, I was told once again that I wasnt eligible for any assistance. 

Whats most upsetting is that I followed all the instructions I was given. I reached out early. I kept the lines of communication open. I called back when I had an offer letter, just like they told me to. And yet, I was met with the same answer, no flexibility, and no willingness to help me bridge the gap until I start my new role.

This process has been incredibly disheartening. It feels like Ive done everything right, yet I'm still being punished for circumstances beyond my control. Now Im facing the risk of repossession and further damage to my credit, just as Im finally getting back on my feet. 

XXXX asking the CFPB to : Review how Chase communicates hardship policies and whether they are applied fairly.

Help me secure a reinstatement, deferral, or short-term payment relief while I transition back to work. 

Investigate whether XXXX practices align with consumer protection standards, particularly for borrowers who strive to be responsible and transparent. 

I can provide a copy of my job offer letter and can provide call notes or documentation if needed. Im not asking to skip out on what I owe, Im asking for a little support during a moment when Ive already been doing my part.

Thank you for taking the time to review my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have recently checked my credit report and noticed some inaccurate accounts reporting as well as unauthorized inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report pursuant to section 605B of the FCRA.

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 2025-07-03 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 filing this complaint because TransUnion, Equifax, and Experian have reinserted a XXXX account into my credit reports without providing the legally required notice and certification, in direct violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). 

Timeline : XX/XX/year> : My TransUnion, Equifax, and Experian report showed the XXXX account ( ending # XXXX ) had been removed. 

XX/XX/year> : The same XXXX account reappeared on my TransUnion, Equifax, and Experian report as a charge-off with a {$2200.00} balance, harming my credit. 

I did not receive any written notice of reinsertion from TransUnion, Equifax, or Experian, nor was I provided certification of accuracy from XXXX before reinsertion. 

Legal Basis : Under FCRA 611 ( a ) ( 5 ) ( B ) : If any information that has been deleted from a consumer 's file is reinserted, the consumer reporting agency shall promptly notify the consumer in writing of the reinsertion. 
This law also requires certification from the furnisher verifying the accuracy before reinsertion. These requirements were not met. 

This illegal reinsertion lowered my credit scores, damaging my ability to secure vehicle financing and an apartment lease, causing emotional distress, wasted application fees, and loss of financial 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 non-monetary relief
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
I am filing this complaint because TransUnion, Equifax, and Experian have reinserted a XXXX account into my credit reports without providing the legally required notice and certification, in direct violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). 

Timeline : XX/XX/year> : My TransUnion, Equifax, and Experian report showed the XXXX account ( ending # XXXX ) had been removed. 

XX/XX/year> : The same XXXX account reappeared on my TransUnion, Equifax, and Experian report as a charge-off with a {$2200.00} balance, harming my credit. 

I did not receive any written notice of reinsertion from TransUnion, Equifax, or Experian, nor was I provided certification of accuracy from XXXX before reinsertion. 

Legal Basis : Under FCRA 611 ( a ) ( 5 ) ( B ) : If any information that has been deleted from a consumer 's file is reinserted, the consumer reporting agency shall promptly notify the consumer in writing of the reinsertion. 
This law also requires certification from the furnisher verifying the accuracy before reinsertion. These requirements were not met. 

This illegal reinsertion lowered my credit scores, damaging my ability to secure vehicle financing and an apartment lease, causing emotional distress, wasted application fees, and loss of financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
Certainly here is a slightly more concise version with a European-style tone and syntax : -- - * * To : * * Customer Advocacy Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX RE : CFPB Complaint XXXX XXXX XXXX XXXX Dear Sir or Madam, 1. The income information I provided at the time of application appears to have been accurate. Your response does not indicate any specific discrepancy, nor does it explain in what manner I failed to meet the eligibility criteria. As per the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ( d ) ), I would expect a clear and specific reason if income or any other factor led to the denial or modification of the offer.

2. With respect to the " Reprise Financial Terms and Conditions '' you reference : these were not visible or readily accessible on the webpage where unsecured loan offers were displayed. Under California law ( including the CCPA, Cal. Civ. Code 1798.100 et seq. ), material terms must be presented clearly prior to any action involving personal data or credit access. If such terms were not visible at the point of interaction, consent may not be considered valid. Please see the screenshots provided for reference.

I kindly ask that this reply be added to the record of my complaint, and that you reconsider the legitimacy of the hard inquiry under the circumstances. 

Yours faithfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, CA 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