vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On Monday the XXXX i drove out to XXXX XXXX ( I live in XXXX ) about XXXX hour into the drive i stopped at a gas station and out about XXXX  dollars i think of gas and my card worked fine and got some snacks in the gas station, about XXXX hours later I stopped at a family dollars to buy some things and the card declined. I called the bank because the app said my account had been restricted and they only told me that my account had been closed and they couldn't give me a reason why, I called twice that day and the same thing was said. Today I tried logging into the app and it says my account is restricted so I called again to gain access and they tried to verify me and it failed. Im not sure what triggered the close but I'd like to know why and what will happen to the money in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately 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 XXXXXX/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 2025-11-22 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: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
I am filing this complaint regarding Chimes handling of a fraud dispute involving payments totaling {$1100.00} sent via Chime Pay Anyone. 

I was a victim of a rental scam in which an individual falsely claimed to be renting an apartment. They induced me to send money under false pretenses. 

After realizing it was a scam, I immediately contacted Chime to report the fraudulent activity and requested that my transactions be reversed. Chime refused to issue a reversal or provide a case number, stating that the payments were authorized. 

While I technically authorized the payments, they were made under deliberate misrepresentation and deception by the scammer, which constitutes fraud. I have filed a police report and an FTC complaint regarding this incident and have documentation including screenshots and payment confirmations. 

I am requesting that Chime reopen this case, escalate it to their fraud investigations department, provide a written explanation for the denial, and reverse the transactions if possible. I believe the claim was unfairly denied without proper consideration of the documented scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: AZ

Complaint narrative:
I requested written confirmation that my account was paid in full and that the account was closed. The company has refused to provide this confirmation after I fully paid the balance. 
They have added again a balance that owe. This is incorrect. I have a screenshot of the balance paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I pulled my TransUnion credit report and noticed that my former mortgage account with XXXX XXXX XXXX XXXX / XXXX XX/XX/XXXX), loan ending in XXXX, is being reported in a contradictory and inaccurate way. TransUnion shows the account as Transferred with a {$0.00} balance and the comment Transferred to another lender, but at the same time reports the Payment Status as XXXX days late with a last reported date of XX/XX/year>. 

A loan that has been transferred to another lender and has a XXXX balance can not logically be currently XXXX  days past due. If there was any delinquency before the transfer, it should be reflected only in the historical payment information, not as an ongoing XXXX late status on a transferred, zero-balance account. This false derogatory status is misleading and is harming my credit score and creditworthiness with lenders. 

I previously contacted TransUnion and requested a reinvestigation and correction or deletion of this XXXX tradeline . TransUnion responded that the information was verified but did not correct the obvious inconsistency or provide a meaningful explanation or method of verification. I am filing this complaint because TransUnion is failing to follow reasonable procedures to assure maximum possible accuracy and continues to report an incorrect XXXX late status on this 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 non-monetary relief
Consumer complaint received 2025-11-22 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Kikoff Inc.
State: CA

Complaint narrative:
The KIKOFF Charged XXXX $ XXXX never had any relation whit this company its fraudulent charges.The company didn't resolve my complain and didn't send any proof within 30 days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I reached out to the bank to provide me with proof of my original signature and all account transactions leading up to an overdraft in the amounts of {$670.00} on XX/XX/year> and overdraft amount of {$1400.00} on 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 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I transferred money into my XXXX  account and immediately it gets drained. I contacted XXXX  and they froze the account and canceled my card and will dispute the transactions. 1 day later they denied my claim saying they did a thorough investigation and I made the transactions. I told them I dont know this company and never had dealings with them ever and asked if I could get them to check my past transactions to see if I've ever done business with this merchant.i dont use my card I only use the account to send my family money. They reopen the investigation and return a day later saying my claim was denied. They say they done another thorough investigation and being im the card holder i made the transactions. These transactions are to a company named XXXX and the took money 7 times in a row from my XXXX account all in 1 hours time. XXXX  refuse to give me my money. I have emails from XXXX  saying they did a thorough investigation and found i made the transactions then they email me back changing it saying being that I was the card holder I made the transactions, they are scammers and will not help you recover your funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: FL

Complaint narrative:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX  XX/XX/XXXX EQUIFAX Legal Basis for Removal : Under the FCRA, specifically Section XXXX04 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report. 
I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ), the Ninth Circuit ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was a victim of a loan company .it was a scam .. I havent had access to any of my money since last month .im behind on credit card payments. Cash advances .and loans Im suppose to be paying back I did nothing wrong and I also even called and reported it trying to get account number changed a week prior I ordered a new card and was waiting like a week and a few days .my work money was tied to account and also my casino games I play for money .. One day I called and ask how long will it take for me to get my card in the mail they told me ur account is being closed in two weeks .. and this was on XX/XX/year> .. they told me it would be closed on XX/XX/year> now its XX/XX/year> .. I called them and ask again have yall already sent my check out XXXXthey told me were closing it on XXXXand its gon na take 5-10 or 10-15 days for me to get the check .i got fired from my job .my credit score down even more and I dont have any money.. I called them 3-5 times asking them since yall closing my account may I have some of my money or all of it .. by the time I get that money I will be in further debt from what I start with

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Ohio XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request for Deletion of Outdated, Closed, and Reinserted Accounts Pursuant to FCRA 605 ( 15 U.S.C. 1681c ) Dear Equifax Compliance Department, I am writing to formally request the immediate removal of specific outdated, closed, and improperly reinserted accounts that are currently appearing on my Equifax credit file. These accounts are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, which limits the reporting of adverse credit information to a maximum of seven ( 7 ) years from the date of delinquency, except for a few defined exceptions that do not apply in this case. 
The following accounts have exceeded the lawful reporting period and therefore must be deleted immediately to ensure compliance with federal law and to maintain the accuracy and integrity of my consumer credit report. 
Accounts in Violation of FCRA 605 ( 15 U.S.C. 1681c ) : Account Name : XXXX XXXX ( Closed Account previously deleted, now reinserted without proper notice ) Account Number : XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Date Closed On : XX/XX/XXXX. This debt is 11 years old and it is still visible on my credit report, this debt should have been removed and this is the second attempt of me requesting it to be removed. This is a re-entry response of CFPB Case # XXXX on XX/XX/XXXX & XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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