vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I payed off my prepaid credit card about a year ago and it showed i payed it on the credit card card statement aswell as the money got taken out of my XX/XX/XXXX checking account. But then the credit card balance went back up as if i didnt pay it but my wells fargo checking account still reflected that money credit card company charged my account. This has negatively effected my credit score over XXXX points i should at least be at a XXXX if it wasnt for this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered multiple accounts that were opened or used without my authorization. Beginning in early 2025, an unknown individual used my personal information to open several credit card accounts with various companies. These accounts accumulated fraudulent charges totaling several XXXX dollars. 

I became aware of the issue in XX/XX/year> after noticing irregular activity and receiving unexpected notifications. Upon reviewing my credit reports, I identified multiple fraudulent accounts and inquiries, including accounts from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and unauthorized auto-related inquiries from XX/XX/XXXX and XXXX XXXX. 

As soon as I became aware of the activity, I contacted each company to report the fraud, dispute the charges, and request that the accounts be closed and removed from my credit report. I also filed reports and began taking steps to secure my information, including placing alerts and disputing each unauthorized item with the appropriate credit bureaus. 

These actions were taken promptly after discovery, and none of the accounts or charges were created, approved, or used by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XX/XX/XXXX ] Account Number : [ 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 explanation
Consumer complaint received 2025-11-28 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: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The company keeps sending me emails everyday and I don't know why that's harassment and my I was a victim of identity theft and fraud do to data breach and dark web they need to stop and leave me alone like I say I don't sign up for credit cards or loans until I have written signed and takin a picture of my I.D and selfie this is so a scammer can't just use my info and get a credit card in my name so any company in with should have these if they don't then it's fraudulent and identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I opened a new checking account with Chase Bank. A few days later, Chase placed a restriction on the account without explanation. I visited a Chase branch in person and fully verified my identity and every transaction. The branch employee confirmed that everything on the account was valid. 

Despite this, my account remains restricted. Chase continues accepting deposits into the account but refuses to allow me access to my own funds. I am unable to withdraw money, make payments, or pay bills. This has caused financial hardship and late payments. 

Chase has not provided a written explanation or justification for continuing the restriction after full identity verification. The bank is withholding my funds indefinitely with no timeline or valid reason. 

I am requesting : XXXX. Immediate removal of the account restriction XXXX. Release of all funds XXXX. A written explanation of the reason for the hold Chases actions appear to be unfair and harmful, and I need assistance resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: IL

Complaint narrative:
These credit inquiries are not connected to any activity on my part and may be fraudulent. I ask for immediate action to resolve this issue. Enclosed are supporting records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within XXXX ( XXXX ) business days. 
The following items on my report are a direct result of identity theft and must be blocked : XXXX XX/XX/XXXX XXXX - XXXX In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than XXXX year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported. 
I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over XX/XX/XXXX days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I am submitting this statement in regards to several items on my credit report that are disputed with the XXXX major credit bureaus : Equifax ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ). The details of the disputed accounts are as follows : Charged Off Accounts Equifax ( XXXX ) : XXXX XXXX ( Account No : XXXXXX/XX/XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX ( Account No : XXXXXX/XX/XXXX) Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX ( Account No : XXXXXX/XX/XXXX) Date Opened : XX/XX/XXXX Balance : {$210.00}XX/XX/XXXX XXXX XXXX Account No : XXXXXX/XX/XXXX ) Date Opened : XX/XX/XXXX Balance : {$4500.00} Inquiries Equifax ( XXXX ) XXXX XX/XX/XXXX Date : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Lendmark Financial Services
State: KY

Complaint narrative:
On XX/XX/year> I called lendmark about the balance on my loan. They did not have the updated information and I was given a number to the attorney that is handling the wage garnishment. I was never called back and there was no message left. I have requested to be given an updated amount and I have disputed this account so many times with the company. I have been overcharged for years. I thought I had it paid off by my records. The wage garnishment stopped and now has started over again. This company refuses to work with me on getting this taken care of. The account has showed up on my credit report as closed and now reopened. It is creating a hardship on me again and I am seeking reprieve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-11-28 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:
Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit reports. These accounts are being reported incorrectly, and I believe there are errors that need to be corrected as per the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in dispute for each bureau : Charge Off Accounts : Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$51.00} Dispute Reason : This account is inaccurately reported as a charged-off account. Please verify the information with the creditor and ensure that the account status is correctly updated or removed if inaccurate. 

Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} Dispute Reason : This account is inaccurately reported as a charged-off account. Please verify the information with the creditor and ensure that the account status is correctly updated or removed if inaccurate. 

Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$5000.00} Dispute Reason : This account is inaccurately reported as a charged-off account. Please verify the information with the creditor and ensure that the account status is correctly updated or removed if inaccurate. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$820.00} Dispute Reason : This account is inaccurately reported as a charged-off account. Please verify the information with the creditor and ensure that the account status is correctly updated or removed if 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 explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: United Shore Financial Services, LLC
State: MD

Complaint narrative:
On XXXX the Borrower contacted the Lenders lossmitigation department to request a twoweek extension of the first payment under an alreadyapproved loan modification. During that call, the loan officer informed the Borrower that, because of the Federal Government shutdown beginning XXXX XXXX, the Borrower qualified for a special forbearance and that the forbearance was assured and guaranteed because the Borrower was supposed to receive a settlement from the government based on her XXXX and work injury and was unable because the shutdown closed the XXXX XXXX. 

The officer further instructed the Borrower to cancel the acceptance of the loanmodification and rely on the promised forbearance. Please note that the Borrower had no direct knowledge of the special forbearance and it was the lender who informed the Borrower of her qualification and that the Borrower should cancel the loan modification for these reasons. 

On XXXX the Lender formally canceled the loanmodification based on the Borrowers cancellation following the instructions of the Lender. On XXXX the Borrower was notified that the forbearance request had been denied, despite the officers earlier guarantee. As a result, the Borrower is now at imminent risk of foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: WA

Complaint narrative:
USBank wealth management Subject Fraud CaseXX/XX/XXXX on account ending in XXXX. I was told I had two types of fraud debit and cash withdrawals. My receipts reflect cashbox 3 or 5. Bank statements show teller savings withdrawals - auto pen signature used I suspect Nordstroms. US Bank XXXXXX/XX/XXXX.Evry time I call the reception treats me as a fraud telling me they don't even have to give me their name. A community 'ACT ' I wonder if related to 'Sunshine Act '. I recently read about in XX/XX/XXXX Item # 1 requested by XXXX XXXX AccountXX/XX/XXXXXX/XX/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 explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Issue : Chase is repeatedly blocking a lawful, documented high-value wire transfer and preventing access to my own funds while I am abroad, despite full identity verification and compliance.

I am a non-resident Chase client and I opened my checking account in person at a Chase branch in XXXX, Texas. I have always used the account appropriately, and I currently have a sufficient available balance to make a lawful gift to my son, who is a XXXX XXXX  and is purchasing a home in XXXX. 

I received USD XXXX in my Chase checking account through an international transfer from my bank in XXXX. My intention is to transfer these funds to my son as a documented gift toward the purchase of his home. I have full documentation supporting the legitimacy of the funds, including : the gift agreement in XXXX and XXXX, proof of payment of XXXX gift tax ( XXXX  ), evidence of the incoming international transfer to Chase, and proof of the lawful source of the funds.

Chase has repeatedly canceled my wire transfer attempts of USD XXXX ( the maximum limit temporarily authorized by my branch ). On multiple attempts, the transaction is immediately flagged as fraud and reversed. After each cancellation, I have completed the identity verification process, answered all security questions, and confirmed the purpose of the transfer. Despite this, every wire continues to be blocked. 

My branch manager and the branch general manager have attempted to assist, but they stated that they do not have the authority to override or escalate the fraud hold. They advised me to appear in person at a XXXX branch, which is impossible because I am presently outside the United States and will not return before the end of the year. I urgently need to complete this transfer because the closing on my sons home is approaching, and he can not complete the purchase without these funds. 

Chase is effectively preventing me from accessing and transferring my own lawfully obtained money, despite full documentation and repeated identity verification. This has placed me at significant financial risk and is causing substantial harm.

I respectfully request the CFPBs intervention so that Chase : Conducts a prompt and fair review of the repeated wire cancellations ; Removes the improper fraud hold ; Allows me to complete the transfer while abroad, through any identity verification method Chase deems appropriate ( video call, secure digital form, or phone confirmation ) ; Ensures that my lawful access to my own funds is restored.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: WA

Complaint narrative:
Cash App is a financial service platform, a subsidiary of " Block Inc. '' company. 

My Cash App account was blocked on XX/XX/XXXX, and I can not do withdraw or transfer from my account. There was no notifications or explanations why my account was blocked. 

I filed a support case with Cash App on XX/XX/XXXX, but after 4 weeks there is still no updates and my account remain blocked. 

This is a criminal action performed by Cash App, which blocks customer using their balance without any notice or explanations. 

Cash App of " Block Inc. '' company is literally stealing customer 's money on my account.

Please help investigate & prevent Cash App 's illegal business conduct in Washington State.

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Email : XXXX Phone : XXXX Company : JPMCB CARD ( JP Morgan Chase Bank ) Account Last 4 : XXXX Credit Bureaus Affected : XXXX, XXXX XXXX XXXX- - Description of the Problem The JPMCB CARD account ending in XXXX was included in my XXXX XXXX bankruptcy and is reported as Discharged through Bankruptcy. 

However, Chase continues to report : Repeated charge-off notations throughout XXXX Serious delinquency after the bankruptcy Ongoing negative updates post discharge date A {$0.00} balance marked as collectible or defaulted Once a debt is discharged, there can be no past-due balance and no new derogatory activity reported.

This is false, misleading, and illegal.

-- - Laws Being Violated JPMCB is violating : FCRA 1681e ( b ) not ensuring maximum possible accuracy FCRA 1681i failure to correct after disputes FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known to be inaccurate Bankruptcy Code 524 ( a ) ( 2 ) discharge injunction UDAP violations unfair/deceptive practices harming consumer credit Continuing to report charge-off delinquency after discharge is a direct violation.

-- - What I Have Already Done I disputed this with the credit bureaus.

They verified the account without JPMCB providing : Proof a balance remained collectible Post-discharge account statements Any lawful basis to continue derogatory reporting This verification is improper.

-- - How This Harms Me Lowers my credit score Blocks me from securing fair credit Creates false impression of non-payment Ongoing reputation and financial harm This is damaging my ability to financially recover after bankruptcy.

-- - Requested Resolution I request that the CFPB require JPMCB to take one of the following actions : 1 Delete the JPMCB tradeline entirely from all credit bureaus OR 2 Correct reporting to reflect only : Included in XXXXXXXX  XXXX bankruptcy {$0.00} balance No charge-off or delinquency history No negative payment reporting after discharge No further derogatory updates JPMCB must comply with the FCRA and bankruptcy protections. 


-- - Certification I certify that the statements above are accurate to the best of my knowledge and request immediate corrective action. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation