vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Company : JPMorgan Chase Bank , N.A . 
Product : Checking account Issue : Funds access/holds and account freezing I am filing this complaint because Chase Bank has placed an unreasonable and unacceptable hold on my federal funds, which have been withheld for over XXXX  months, since approximately XX/XX/XXXX, XXXX. The check is an IRS Federal Tax Refund Check for {$9800.00}. 
Initial Hold & Account Freeze : The funds were initially set for a one-week hold. When that time expired, Chase Bank froze my friend 's entire checking account XXXX so that nothing could come in or out, claiming a need for further verification. 
Shifting Excuses : Over the following months, the bank introduced a chaotic series of excuses for the continued hold : Caller ID Failure : Demanding my name match the phone number/Caller ID. I went to the extreme measure of obtaining a brand new phone number/account to comply, and they still refused to release the funds. 
Address Verification Issue : Introducing another technical hurdle after the phone number was updated. 
Final Roadblock and Communication Blackout : When verification with me was finally completed months later, Chase stated the funds are now frozen, the account may be closed, and they need to check with XXXX XXXX XXXX  ( the originating bank ) to release the funds. Immediately after this discussion, every subsequent call has gone straight to voicemail, indicating a complete refusal to resolve the issue. 
Chase Bank 's actions have not only willfully withheld my {$9800.00} in legitimate federal funds for over XXXX  months but have also frozen and severely disrupted the financial life of an innocent third-party account holder. 
I have exhausted all internal channels and I am now seeking the CFPB 's intervention to force Chase to resolve this unacceptable, long-standing issue and restore my funds. I have spent significant time and effort trying to resolve this with Chase, their representatives have consistently given me shifting and vague reasons for the hold and then said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
I just checked my credit report again and I am really upset to see that these inaccurate accounts are still appearing. They were supposed to be removed, but they are still there. I am pleading that the documents I sent be carefully reviewed so I can finally stop worrying about this issue.

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 2025-11-13 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: PA

Complaint narrative:
I just checked my credit report again and I am really upset to see that these inaccurate accounts are still appearing. They were supposed to be removed, but they are still there. I am pleading that the documents I sent be carefully reviewed so I can finally stop worrying about this issue.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still appearing on my credit reports today. They were not removed even after I refreshed my browser. I urgently request that the documents I submitted be carefully reviewed so I never have to deal with this worry again.

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 2025-11-13 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: SC

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still appearing on my credit reports today. They were not removed even after I refreshed my browser. I urgently request that the documents I submitted be carefully reviewed so I never have to deal with this worry again.

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 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stephen L. Bruce, P.C.
State: OK

Complaint narrative:
I was notified being sued for credit card debt, I was served papers I sent respopnse for debt validation they failed to send proper validation, then filed in court for default judgement, I went to court to respond had no chance to defend myself judge didn't ask for any validation, I need help on how to proceed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Carter-Young, Inc.
State: LA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Submitted online at consumerfinance.gov/complaint Subject : Failure of Credit Bureaus and Debt Collectors to Respond to Dispute & Validation Requests Request for Investigation and XXXX Deletions To Whom It May Concern : I am filing this complaint because multiple credit reporting agencies, creditors, and debt collectors have failed to properly investigate, validate, or respond to my mailed dispute and validation letters, in violation of the FCRA 611 and FDCPA 1692g. 
I sent formal dispute letters to XXXX, and debt validation letters to Carter-Young Inc. and XXXX, along with XXXX  adjustment requests to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To date, none of these companies have provided a proper response, verification, or documentation. 
XXXX. XXXX Failed to verify or correct : XXXX XXXX XXXX late ( XX/XX/year> ) inaccurate XXXX XXXXXXXX late inaccurate ; account paid/closed CarterYoung XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unverified XXXX XXXX CarterYoung Inc. Did not provide required validation under FDCPA. 
XXXX. XXXX Did not provide required validation under FDCPA. 
XXXX. XXXX XXXX XXXX response to goodwill removal request for late payment. 
XXXX. XXXX XXXX XXXX No response to goodwill removal request for late mark. 
I am requesting that the CFPB require these companies to : Provide full validation and documentation for all disputed accounts Delete any item that can not be verified Correct inaccurate reporting Review XXXX  requests Provide written responses to all letters

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this follow-up regarding inaccuracies on my credit report related to the XXXX XXXX XXXXXXXX account XXXX Account # XXXX ), which is reported with a balance of {$5000.00}. The account shows a Date of Last Activity of XX/XX/XXXX, and includes reported late payments for XX/XX/XXXX ( XXXX  days late ), XX/XX/XXXX ( XXXX  days late ), and XX/XX/XXXX ( XXXX  days late ) .Based on my personal records and payment history, these reported late payments are inaccurate and do not reflect the actual status of my account. Therefore, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute and correct these billing errors. 
I refer specifically to the following provisions of the FCRA : FCRA 1666 15 U.S. Code 1666 ( Correction of Billing Errors ) : This section requires creditors and credit reporting agencies to investigate and correct any inaccuracies in the reported account details, particularly regarding billing errors. 
FCRA 623 ( a ) ( 2 ) Duty to Correct and Update Information : This statute mandates that furnishers of information ( in this case, XXXX  XXXX XXXX XXXX promptly notify credit reporting agencies of any inaccuracies and update or correct the information once it has been verified.FCRA 611 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) : Under this provision, credit reporting agencies are obligated to conduct a reasonable and thorough reinvestigation of any disputed items to ensure the accuracy of the information being reported. 
I have consistently maintained timely payments on this account, and the multiple late payments reported during XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are unfounded and misleading. The inaccurate reporting of these late payments is negatively impacting my creditworthiness, making it more difficult for me to obtain necessary financial products and services.

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 2025-11-13 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:
Take a look at the materials ; the questions arrived without prior notice and could be unapproved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

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 2025-11-13 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: IN

Complaint narrative:
I am submitting my XXXX follow-up regarding inaccurate reporting on my credit file. Two accounts are currently reflecting late payments that I dispute as inaccurate. I request a full reinvestigation and correction. This request is submitted under the Fair Credit Reporting Act, specifically FCRA 611 ( 15 U.S.C. 1681i ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information, FCRA 623 ( a ) ( 2 ), which requires furnishers to promptly correct information that has been found to be inaccurate, and FCRA 1666, which grants consumers the right to have billing errors corrected. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Late Days Reported : XXXX XXXX  ( 30 ), XXXX XXXX ( 60 ), and XXXX XXXX ( 90 ) -The reported late payments for XXXX XXXX and XXXX XXXX  are inaccurate. According to FCRA 611, the credit reporting agency is required to conduct a reasonable reinvestigation and verify this information with the furnisher. If the reported late payments can not be verified, they must be corrected. Reporting unverified late payments violates federal law and misrepresents my actual payment history, adversely affecting my creditworthiness. 
XXXX XXXX XXXX XXXXXXXX XXXX Late Days Reported : XXXX XXXX ( 30 ), XXXX XXXX ( 30 ), and XXXX XXXX ( 30 ) - The reported late payments for XXXX XXXX and XXXX XXXX are inaccurate. Under FCRA 611, a proper reinvestigation must be conducted to verify this information. FCRA 623 ( a ) ( 2 ) requires the furnisher to update any information found to be inaccurate, and FCRA 1666 gives consumers the right to dispute billing errors, including misreported late payments. The continued reporting of these late payments without proper verification violates 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 explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: U.S. BANCORP
State: UT

Complaint narrative:
I bought a XX/XX/XXXXXXXX from a dealership in XXXX, UT. XXXX set of the car keys was stolen in my local area of XXXX, UT. 

While traveling, the other set of keys were stolen. It was dark, I had no idea where I was, so I called XXXX from XXXX. The cops never came so I walked to the local police station where they couldn't help me. 

No one know seems to know where this vehicle is. The insurance agent, XX/XX/XXXX; the local cops have been unable to help ; est. 

The vehicle was paid off in XX/XX/year>. Someone generated new loan documents on this vehicle and US Bank has automatically withdrawals coming out of my account, for the vehicle that was already been paid off ... and still missing.

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 2025-11-13 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XXXX XXXX XXXX XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: NY

Complaint narrative:
This letter serves as my formal dispute regarding inaccurate late payment information being reported by AESXXXX on my credit reports. These late payments are incorrect and are not reporting consistently across XXXX XXXX XXXX XXXX, which is causing significant harm to my credit profile and preventing me from obtaining a home loan. 

Because the late payments are inaccurate and inconsistent among the three bureaus, they are considered unverifiable and must be deleted. 

Original Creditor : AES / XXXX Under the Fair Credit Reporting Act : FCRA 602 ( A ) requires that all information on a consumer report be accurate, fair, and reliable. 

FCRA 607 ( b ) requires the credit bureaus to assure maximum possible accuracy of the information they report.

FCRA 611 ( a ) requires a full reinvestigation of any item disputed by a consumer.

FCRA 1681a ( d ) ( 2 ) ( A ) ( i ) excludes from consumer reporting any information solely regarding transactions or experiences between a creditor and a consumer unless it is accurate and verifiable. 

The late payment entries in question DO NOT meet these requirements. If AES/XXXX can not provide complete, documented, and verifiable proof that these late payments actually occurred AND that they are being reported consistently to all three bureaus they must be removed. 

Because the late payments are inconsistent across the bureaus, they are by definition not accurate and can not legally remain on my credit file. 

I am requesting the following : Delete the inaccurately reported late payments associated with the AES/XXXX accounts from all three credit bureaus. 

Provide me with written confirmation of the deletions after your investigation is completed. 

The FCRA allows 30 days to complete this investigation. If AESXXXX can not fully verify the accuracy of each late payment, they must be removed immediately. 

It is evident that the late payment information being reported is inaccurate, inconsistent, and unverifiable. I am respectfully asking that you delete these late payments from my consumer credit reports and update my file accordingly. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: SC

Complaint narrative:
XX/XX/XXXX this was Fraudulently Posted on my credit. & I filed a complaint with you all then, they even agreed with your company b to remove it. I have the letter. & as of today XX/XX/XXXX its still posted on my Credit! I think they are trying to lie & wait til the 2 year Period is up. Please have it removed off my Equifax Account. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
An unidentified person opened an on line account in my husband 's name. 
Using an email address etc that was not on file in bank. 
They proceeded to make a wire transfer depleting our account of XXXX dollars We filed a complaint with bank which for unknown reason they have denied. 
This transaction occurred on 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 monetary relief
Consumer complaint received 2025-11-13 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Subject : Request for Investigation or Verification of Closed Account Information Dear XXXX XXXX XXXX am writing regarding an account that appears on my credit report under your companys name. The details are as follows : Account Name XXXX XXXX XXXX Account Number ( partial ) : XXXX Account Type : Charge Card Date Opened : XX/XX/year> Status : Paid, Closed ( as of XX/XX/year> ) Credit Limit : {$4200.00} On Record Until : XX/XX/year> I am requesting verification of the accuracy of this accounts reporting under the Fair Credit Reporting Act ( FCRA ). Please confirm the following information : The date the account was closed and whether it was closed by the consumer or by the creditor. 

That the Paid, Closed status and XXXX balance are correctly reported. 

That no delinquent or negative payment history is associated with this account after closure. 

If any of the information is inaccurate or unverifiable, I request that it be corrected or removed from all of my credit reports ( Equifax, Experian, and TransUnion ) and that I receive written confirmation once the update has been completed. 

Enclosed are copies of my government-issued ID and proof of address to verify my identity. 

Thank you for your attention to this matter. I look forward to your written response within 30 days, as required by the FCRA. 
Sincerely, Signature : 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 non-monetary relief
Consumer complaint received 2025-11-13 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Subject : Request for Investigation or Verification of Closed Account Information Dear XXXX XXXX XXXX am writing regarding an account that appears on my credit report under your companys name. The details are as follows : Account Name XXXX XXXX XXXX Account Number ( partial ) : XXXX Account Type : Charge Card Date Opened : XX/XX/year> Status : Paid, Closed ( as of XX/XX/year> ) Credit Limit : {$4200.00} On Record Until : XX/XX/year> I am requesting verification of the accuracy of this accounts reporting under the Fair Credit Reporting Act ( FCRA ). Please confirm the following information : The date the account was closed and whether it was closed by the consumer or by the creditor. 

That the Paid, Closed status and XXXX balance are correctly reported. 

That no delinquent or negative payment history is associated with this account after closure. 

If any of the information is inaccurate or unverifiable, I request that it be corrected or removed from all of my credit reports ( Equifax, Experian, and TransUnion ) and that I receive written confirmation once the update has been completed. 

Enclosed are copies of my government-issued ID and proof of address to verify my identity. 

Thank you for your attention to this matter. I look forward to your written response within 30 days, as required by the FCRA. 
Sincerely, Signature : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief