vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK

Complaint narrative:
I opened a Discover XXXX XXXX XXXX Account on XX/XX/XXXX. On XX/XX/XXXX, I transferred {$200000.00} into this account from the proceeds of a condo sale. On XX/XX/XXXX, Discover sent me an email confirming that the transfer was successful and that the funds were in my Discover account. 

However, I also received an email from Discover dated XX/XX/XXXX stating : After careful review and in accordance with the terms of the Deposit Account Agreement, we have decided to close the Discover deposit account listed below. At this point, the account is suspended pending closure. 

After receiving this notice, I was unable to log into my account or access the funds. 

On XX/XX/XXXX, I contacted Discover and requested access so I could transfer the funds back to my originating bank. I was told that my bank would need to recall the funds. On XX/XX/XXXX, I contacted my bank, and they informed me that a recall was not possible because the transfer had already been completed and accepted by Discover. 

I contacted Discover again and spoke with multiple customer service representatives. Discover declined to provide a reason for the account closure and stated that they would issue a paper check for {$200000.00} within XXXX business days. 

I am no longer residing in the United States, and receiving and depositing a paper check for this amount is extremely difficult and impractical. Discover closed my account immediately after accepting a large electronic transfer, removed my online access, and is now limiting the return of my funds to a paper check only. 

I have requested reasonable electronic alternatives, including : ACH return to the originating bank, or Domestic or international wire transfer ( at my expense ) Discover has so far refused to offer any electronic method of returning my funds, despite the funds having been received electronically and despite my international residency creating a hardship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 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: GA

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 2025-12-29 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: NY

Complaint narrative:
I previously disputed the accuracy of the tradelines listed below and requested correction or deletion. Despite my dispute, the Company continues to report the same information and has not provided a meaningful, evidence-based explanationonly a generic verified outcome. This conduct appears inconsistent with the duty to follow reasonable procedures to assure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and the duty to conduct a reasonable reinvestigation after a dispute ( 15 U.S.C. 1681i ).

If the Company claims the information was verified, I request full details of the verification, including the Description/Method of Verification required by 15 U.S.C. 1681i ( a ) ( 7 ) ( what was reviewed, with whom, and how ), not a boilerplate response. I am requesting CFPB assistance because the continued inaccurate reporting is causing ongoing harm and the matter has not been resolved through standard dispute channels. 
Disputed items : 1. XXXX XXXX - XXXX - balance {$2.00} - opened XX/XX/XXXX, 2. XXXX XXXX XXXX XXXX XXXX - balance {$0.00} - opened XX/XX/XXXX, 3. XXXX XXXX - XXXX - opened XXXX balance {$1.00}

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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
In response to complaint number XXXX, Capital One employees admitted that they sold information related to me without my consent. Also regards to this complaint number, did Capital One unjustly enrich itself with gains in which it did not loan out? Was the debt properly transferred into a Trust?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: ID

Complaint narrative:
Dear Sir/Madam, I am a consumer working to resolve discrepancies and inaccuracies on my credit report. Below are the details of the accounts I am disputing. I request that the appropriate adjustments be made to my credit file as a result of this filing. 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/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 explanation
Consumer complaint received 2025-12-29 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: EQUIFAX, INC.
State: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received a direct deposit into my Chime checking account on the XXXX. Beginning on the XXXX and continuing through the XXXX, I attempted multiple times to transfer funds to my primary bank ( XXXX ) and to send money to my wife so we could pay our mortgage and utilities. Despite repeated attempts, I have been completely unable to move any of my own funds. 
I have spent more than two hours per day on the phone with support, repeatedly verifying my identity and providing all requested documentation, yet no resolution has been offered. 
At this point, I simply need my full salary released and transferred to my XXXX account so I can meet my financial obligations. Once this is completed, I intend to close my Chime account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
This account was fraudulently during data breach of XXXX but to keep my credit I have tried paying with plenty of money in account and BrightWay refuses to post payment just to charge more fees I would like this account closed and stop reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: CA

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 2025-12-29 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: CA

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 2025-12-29 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: IL

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a 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 explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CT

Complaint narrative:
I am filing a complaint regarding MOHELAs servicing failures and inaccurate credit reporting. 

My MOHELA account became inaccessible, preventing me from verifying balances or servicing details. Despite this failure, MOHELA reported a balance to the credit bureaus. 

I am a U.S. military veteran who used the Post-9/11 GI Bill. My education was intended to be fully covered ; however, due to government funding delays, I was required to use federal student loans for two semesters to attend school. These loans were incurred under circumstances outside my control. 

I am requesting investigation, correction of servicing records, and removal of inaccurate credit reporting.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-29 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
was charged for an XXXX subscription that I never used and did not knowingly authorize. 

XXXX refused a refund and provided no explanation other than citing confidential refund criteria.

I filed a chargeback with Chase, provided documentation, and the dispute was denied without addressing lack of usage or benefit received.

I am requesting that Chase reopen and properly investigate this dispute, as I received no service and did not benefit from the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: WA

Complaint narrative:
I am writing to dispute the following accounts reported on my credit reports. I believe these items are inaccurate, incomplete, or otherwise not in compliance with the Fair Credit Reporting Act ( FCRA ). Please review these items and correct the information accordingly. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Late Payment : 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 2025-12-29 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: LA

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
On XX/XX/year> Freedom Mortgage withdrew {$4100.00} from my escrow account as a tax disbursement. I am a 100 % XXXX veteran, and under XXXX  XXXX I do not pay property tax on my personal residence. I contacted Freedom Mortgage and asked why this was paid and requested a copy of the bill. Freedom Mortgage REFUSED to provide me a copy of the bill, but insisted that they had received XXXX from XXXX XXXX XXXX. I then contacted XXXX XXXX XXXX 's XXXX XXXX XXXX and was told that no tax was due, no bill had been sent to Freedom Mortgage, and that the payment that Freedom Mortgage sent to XXXX XXXX had been returned. To date, Freedom Mortgage has not refunded this money to my XXXX Account. I was also told by XXXX XXXX that Freedom Mortgage uses a third party company, XXXX, that generates property tax bills based of of publicly available property assessments values and XXXX XXXX 's published tax rate. In short, a bill for {$4100.00} was XXXX XXXX and then applied to my escrow account. I would like my money refunded to my escrow account, and that this practice of generating made up property tax bills be investigated ( it has affected more than just me ) and that mortgage servicer 's be required to have actual bills from XXXX XXXX in order to withdraw escrow funds. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
On XX/XX/year> I submitted a complaint to Equifax, complaint number XXXX Transunion complaint number XXXX and Experian complaint number XXXX, as you can see the complaint was sent to the companies the same day, well it took 49 days for TransUnion to respond,54 days for Equifax to respond and 60 days for Experian to respond and according to the fcra they have and average of 30 to 45 days to respond and seeing that it took a lot longer that collection from XXXX XXXX XXXX should be removed from my account immediately, and since it was not done at that time I am not required to wait another 30 -45 days, so could you please removed this collectionrom all three of my credit reports Experian, Equifax and Transunion immediately, never to be put on there again whether it be by the original creditor XXXX XXXX XXXX or whether it's sold to another entity

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