vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase offered me products and in an attempt to build my relationship with the bank/ set financial goals, I was instead met with mistreatment : On XX/XX/year>, I logged onto Chase mobile app and applied for a savings account. The application was denied but a message was provided that although I did not get approved for a savings account, Im eligible for a Chase checking account. I applied for the checking account as prompted and received a message that o would be notified of a decision via email. At XXXX I received an alert from Chase that additional information was needed regarding my checking account. I attempted to log into the mobile app and was given a message that my online portal has been locked and to contact them via phone. I spoke with a representative who advised me my accounts will be closed and to expect a check with the remaining funds within XXXX business days. The representative stated that she was unable to disclose the reason for the closure. I stepped into Chase bank in XXXX, Ga XXXX and spoke with XXXX who called the customer service number and was also advised that he is unable to provide me with a reason for account closure. I was advised by XXXX that the representative advised I would receive my remaining funds in XXXX business days. On XX/XX/year> I called for an update on my funds and account closure reason, as the letter provided was not informative and did not give any specific reason for closure but that the information was obtained by early warning signs. The Representative XXXX, also would not provide me with a reason for the account closure. At this point I have no choice but to feel treated unfairly, discriminated and mistreated for being a less wealthy person. Chase Bank is now holding all of my money with no reason given. Im unable to support myself and my child financially until they decide otherwise. I am facing depression and behind on bills due to Chase Banks mistreatment of me and my accounts. I also work for a bank so this type of activity can effect me tremendously if inaccurate information regarding checking account abuse is reported. Chase offered me products and in an attempt to build my relationship with the bank/set financial goals, I was instead met with mistreatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : TELECOM SELFREPORTED - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} UTILITY SELFREPORTED - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX is reporting inaccurate information and not factual across the three bureaus. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Experian XXXX. XXXX XXXX XXXX, XXXX  XXXX RE : Formal Metro 2 Compliance Dispute Request for Immediate Deletion Account Name : XXXX  Account Number ( XXXX ) Report Date : XX/XX/XXXX Dear TransUnion and Experian, I am writing to formally dispute the reporting of the above-referenced XXXX  account on my credit file, as provided in my recent report dated XX/XX/XXXX. This account appears on both your credit files and is listed as derogatory. 
In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681i ( a ) and 1681s-2 ( b ), I request an immediate investigation into this account. This item is inaccurate, incomplete, and not reporting in full Metro 2 compliance, which is required by the XXXX XXXX XXXX XXXX ( XXXX ) for all data furnishers. 
The following deficiencies violate Metro 2 guidelines and FCRA standards : - Inconsistent reporting across bureaus - Failure to provide accurate and complete information, such as : - Actual date of first delinquency ( DOFD ) - Accurate balance and status codes- Uniform reporting of account type and responsibility - Reporting that may mislead or create a materially unfair representation of my creditworthiness In the absence of full Metro 2 compliance and verifiable documentation, continued reporting constitutes a willful violation of the FCRA and may subject the data furnisher and credit bureaus to liability under 1681n and 1681o. 
As such, I demand the permanent deletion of this account from my credit report within 30 days of receipt of this letter, as required by law. If this item is not deleted and you fail to respond with full verification and documentation, I will consider pursuing legal remedies. 
Please mail me an updated copy of my credit report showing the results of your investigation. 

Sincerely, XXXX XXXX XXXX opened Balance Account type Balance Terms Date last active Date of last activity. 

See metro 2 compliance letter attached

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 2025-07-22 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Delayed Resolution and Compensation for Fraudulent Charges on My Accounts I am submitting a complaint about unauthorized charges totaling {$31000.00} debited from my XXXX Chase Bank accounts ( ending in XXXX and XXXX ). 

This includes {$29000.00} related to XXXX XXXX transactions and {$1700.00} in other fraudulent charges. These charges emptied my accounts, and this was all my money. 
A total of {$31000.00} of fraudulent charges. 

The fraudulent charges were also reported to XXXX XXXX XXXX # XXXX. I was told by XXXX XXXX ( XX/XX/XXXX ) that they would not be communicating any results with me and that I need to file a police report. ( XXXX XXXX ) That was done - Case # XXXX. 
I then provided the police report to XXXX XXXX. I have had no resolution or communication with them since XX/XX/XXXX. 

I reported these transactions to Chase Bank on XX/XX/XXXX, and provided a police report ( case # XXXX ). I included the XXXX XXXX charges and the other fraudulent charges on my Chase Debit card. I followed up numerous times and Chase Bank said the case was elevated with a resolution expected by XX/XX/XXXX. 

However, I have received no credit, compensation, or meaningful updates despite repeated follow-ups. 

I am requesting BBB 's assistance in expediting XXXX XXXX and Chase banks investigation and ensuring | receive prompt compensation. 

PLEASE NOTE : - THERE ARE ( XXXX ) CHEKING ACCOUNTS INVOLVED- XXXX ENDING IN XXXX AND THE OTHER ENDING IN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-07-22 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: IL

Complaint narrative:
There are three unauthorized accounts from XXXX XXXX and one unauthorized account from XXXX XXXX reporting on my credit profile. I did not apply for credit with either of these companies and did not open any of these accounts. They were opened without my knowledge or permission. 

Additionally, there are multiple unauthorized hard inquiries listed on my credit report from companies Ive never applied with. These inquiries are damaging my credit and were made without a valid permissible purpose. 

I took the following steps : Filed a fraud report with the FTC ( IdentityTheft.gov ) Submitted dispute letters to Experian, Equifax, and TransUnion Included my government-issued ID and proof of address Attached the dispute letters and FTC report to this complaint Despite this, the accounts and inquiries have not been removed and I have not received a proper investigation or resolution. I am asking the CFPB to step in and help me have these unauthorized accounts and inquiries permanently deleted under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXX XXXX XXXX/ XXXX XXXX XXXX / XXXX  XXXX XXXX / XXXX XXXXXXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This inquiry is not authorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX  XX/XX/2024. 

Please correct and update the late payments on my credit report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-22 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX Equifax XXXX  XXXX XXXX XXXX, GA XXXX Subject : Violation of Privacy Rights Under Title 15 of the United States Code Dear Equifax, I am writing to formally address my concerns regarding potential violations of my privacy rights under Title 15 of the United States Code, particularly sections 6801 and 6802. 

It has come to my attention that the following entities, all of which may have accessed my personal information, have shown disregard for my rights as a consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 6801 * *, I am entitled to protection of my personal information, particularly concerning reporting when no contract is in place. I believe that my data may have been accessed or reported in violation of this provision. 

Furthermore, * * 15 U.S.C. 6802 * * establishes the obligation of financial institutions to respect the disclosure of personal information. Specifically, it mandates that I should be clearly informed prior to any disclosure of my personal information to third parties. I have not received appropriate disclosures regarding how my information may be used or shared, nor have I been provided with a clear mechanism to opt-out of such disclosures. 

I demand that Experian conduct a thorough investigation into this matter and provide a response detailing how my personal information has been handled, along with measures you will take to ensure compliance with applicable laws governing privacy and confidentiality. 

Should this matter not be resolved satisfactorily, I may have to escalate the situation to the relevant regulatory authorities. 

Thank you for your immediate attention to this serious issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XXXX Chase card benefits claim # XXXX : I have applied for travel insurance to cover the cancellation of a trip due to a XXXX warning from the US government. Chase XXXX has twice rejected this claim because " war '' is not covered. The Chase Product Disclosure Document expressly covers and insures " terrorism ''. I explained to Chase XXXX that at the time of cancelation, the issue was not war but terrorism of rockets being fired at XXXX by XXXX XXXX XXXX, who are XXXX XXXX organizations. At XXXX point, Chase XXXX requested a US government warning to this effect, which I provided. I believe that Chase XXXX has not assessed my claim correctly. 

Please note that we have since closed the credit card in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX SC XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX  Date : XXXX/XXXX/25

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Lendmark Financial Services
State: PA

Complaint narrative:
On XX/XX/year> I noticed a hard pull of my credit from a company called Lendmark Financial Services headquartered in Georgia. I immediately froze my credit at all three bureaus and filed a dispute with XXXX. I then called Lendmark Financial to receive any information at all regarding this hard inquiry that was less than 24 hours ago. They told me they could not locate any information regarding this inquiry and instructed me to go to their website to file a dispute which would be mailed, as they do not have an online or phone option for a dispute. When I asked to speak to a manager, I was told there was no manager available, when I said I would be fine to wait for one I was then told there are no managers to speak to today. After, I asked to speak to any department that would handle this dispute, I was told they don't know what department that would be and that there is no direct number to speak to anybody regarding a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>2020, Balance : {$00.00}

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 non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX  XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/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