vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a phone call on my cell phone on XX/XX/year> and the caller id came up Chase Bank. I answered the call. The person on the phone stated they were calling from the fraud department at chase and that there are pending XXXX withdrawals totaling {$5000.00} ( XXXX transactions ) they asked me if I knew anyone in New York as that is where the charges are being initiated. They stated they tried calling me and I did not answer the phone. I stated that I never had received a call. They stated that I needed to login my account. I explained that I do not do banking on my phone and I only use my home computer. I was at work. They proceeded to walk me through various methods to try and change things in my account, they tried to go through XXXX XXXX wallet, and then they had me download western union on my phone. I was really upset. I eventually left work and drove to a chase bank with them on the phone. I was at the point of being hysterical. I walked into the bank branch and explained everything. These people were still on my phone. The representative at chase bank told me to hang up. He then sat me Down with another representative and by then time we got into my account {$990.00} was withdrawn from my account. The representative called the fraud department at chase and out in a claim. That person told me that most likely the bank will not get the funds back for me as the bank does is unable to recoup funds when using a debit card which what was used. The bank immediately shut down my debit card and a new card was issued. I have made a police report. I have followed up with chase bank and they state there is absolutely nothing that can be done. Also put in a claim with XXXX XXXX and they can not do anything for me either. The whole time I thought I was speaking with a legit person from the fraud department when that call came in. I even googled the phone number and it came up with a chase bank in XXXX XXXX, Illinois. To know that a nationwide number 1 bank will not help at all and try and get me my funds back is so frustrating. I just can not believe that this happened to me. We live in a sick world.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: OR

Complaint narrative:
Timely remove disputed accounts as required by 15 U.S. Code 1681g.

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 2025-10-08 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:
Observe 15 U.S. Code 1681g and ensure the disputed accounts are removed on time.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
I am formally disputing the reporting of late payment ( s ) and any related derogatory remarks associated with my above-referenced account. Upon reviewing my credit reports, I noticed that your company has reported XXXX or more late payments that I believe are inaccurate, unverifiable, or incorrectly documented. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to ensure the accuracy, completeness, and integrity of the data they report to the credit bureaus. Additionally, under Section 611 ( 15 U.S.C. 1681i ), any information that can not be verified must be promptly corrected or deleted. 

I am requesting that you conduct a complete reinvestigation into this account and provide proper validation of any alleged late payment ( s ). Please supply documentationsuch as original billing statements, payment records, or account ledgersthat substantiates your claim that my payment ( XXXX ) were late. 

LOANDEPOT.COM LLC, XXXX late payment Account number XXXX Date of Late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-08 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: PA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX I am writing to formally dispute the validity of the account referenced on my credit report. Pursuant to my rights under the Fair Credit reporting act and the Fair Collection Practices ( 15 USC 1692g, I am requesting the following documentation to verify the legitimacy of this account.

1-Purchase agreement-signed by myself which explains this agreement.

2-Contractual Evidence-include documentation that provides the terms of this alleged debt.

3-Chain of custody/title. If debt was purchased or transferred showing the transfer ownership, including the purchase agreement.

4-An itemized account statement-include a breakdown of payments, interest, and fees associated with this account.

Under 15 USC 1692g ( b ), all inaccurate or false information reported to the credit bureaus must be removed promptly. I request an immediate investigation into the matter and the correction of my credit report by removing the inaccurate information. Furthermore, this file is reported improperly as well.

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 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kubota North America Corporation
State: TX

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX Account Number : 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 2025-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The following tradeline is an inaccurate item on my credit report. 

Company or Organization XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Date fraud began XXXX XXXXXX/XX/XXXX Date that I discovered it XXXX XXXXXX/XX/XXXX Total fraudulent amount : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-08 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: RI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
The review inaccurately reflects my financial principles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: LA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are porting inaccurately and without my knowledge. Please help me get these accounts moved immediately.

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 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
On XX/XX/year> I deposit XXXX within XXXX increments at Flagstar Bank. The first deposit XXXX went through the second XXXX got stuck in the machine. I called the bank immediately at the ATM. I was trying to stick things in the machine to try to get my money back out. I called branch and customer service and they credit the money then took it back and said XXXX basically lying and that I did not put it in the bank and that they have already investigated it and closed my account afterwards. That is not a valid reason to close my account. Why cant I see camera footage? machine took my money now XXXX trying to figure it out if I should file a lawsuit on the armor truck that pick up the money or Flagstar Bank. Ive been waiting XXXX months for my money I will get my lawyer no one is getting away with it.

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 2025-10-08 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:
Comply with federal law and remove all disputed accounts within the 15 U.S. Code 1681g timeline.

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 2025-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY

Complaint narrative:
We had our home mortgage at Wells Fargo. We owned that property from XXXX through XX/XX/XXXX. 

Wells Fargo wrote to us earlier this year claiming they sent us a check for {$2600.00} on XX/XX/XXXX, related to the sale. 
We never received such a check, and confirmed that the new owner never received it. We never received any prior notice from Wells Fargo about this outstanding check. 

Wells Fargo said the funds will be transferred to the state if unclaimed for XXXX years. They wanted an affidavit from us. We sent it. 

Then they asked that it be notarized. We spoke with them and they said since we are out of the country we can get a local notary outside the XXXX. We paid about {$200.00} for that and sent it. 

Then they said the notary needs to be in the XXXX, contradicting what they told us earlier. 

We've spent hours and money to try to resolve this. The bank keeps saying they are reviewing it and will get back to us, but never do. 

On XX/XX/XXXX we sent an email to XXXX and XXXX to follow up on their existing case number XXXX. We also sent a written and signed letter to their XXXX Mortgage department regarding the same matter. Once again, we received a form email response from Wells Fargo for their case XXXX XXXX stating they would respond within XXXX business days or let us know if they needed more time. The XXXX business day was XX/XX/XXXX. Wells Fargo still has not contacted us.

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 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I called the manager two days ago from Bank of America. After being treated badly and being transferred to 3 different people I spoke to a woman manager and she told me my child support payment had been sent back a while ago and my SSDI payment was sent back at XXXXXXXX XXXX. She lied. I called SSDI an they told me it would take 24 hours for them to see it on their end as returned. I waited 24 hours and the next day I called again and was told it still did not show in their system. I also went up to the office in XXXX XXXX Illinois and was told the same thing! GIVE ME MY MONEY!!!! What is wrong with you people!? Are you that jealous and petty that you would literally risk the United States government coming after you over you refusing to return {$980.00}!?????!!!!!! GIVE ME MY MONEY!!!!!!!!

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 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
in XXXX there were XXXX charges to my XXXX card from XXXX. 
i called XXXX/CitiBank and explained that these were fraudulent i was able to prove to them that my card had not been stolen, or had i used the card in person, or that my wife had the card, or i had a XXXX account XXXX 

Today in looking online they have reversed the claim and now want me to pay for these fraudulent charges

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 2025-10-08 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: CO

Complaint narrative:
XXXXXXXX XXXX - XX/XX/XXXX - {$5000.00} XXXX XXXX - XX/XX/XXXX - {$3400.00} XXXX XXXX - XX/XX/XXXX - {$1800.00} XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with explanation