vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX, fraudulent activity started happening on my Chase bank account due to my request for a loan from XXXX XXXX. I called the bank that day to see if the way that the loan company was providing the loan was legit, they said it was. By Friday, lots of activity on my account that I did not approve of. I went into a Chase branch on XXXX XXXX to report the fraud and close the account. They " closed '' the account saying that it was compromised and opened a new checking account for me and transferred funds into that account. That new account had {$2100.00} in it. I also filed a police report for the fraud and gave it to the bank. By Monday, XXXX XXXX, they had restricted both of my accounts and refused to give me any money from either account since it was under investigation. It has been XXXX weeks since I have filed these complaints and Chase bank refuses to give me any money. I am a single mother of XXXX small children and this fight with Chase is going nowhere. I need the accounts to be closed and for my money to be returned to me ASAP. Chase has had more than their allotted XXXX business days to investigate my account, but they have had no communication with me regarding my accounts or what was fraud and what wasn't. They refuse to do anything but transfer me to different departments when I call in. I need these accounts closed and I need my money. The other issue with this is that the fraud involved reversing claims for merchants/bills that I had already paid and those merchants also want their money back. I did not approve any of these claim reversals. I need answers. I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} XXXX  XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX {$650.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$970.00} XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} I am formally disputing the collection account you have reported. UnderFDCPA 809andFCRA 611, you are legally required tovalidate this debtbefore continuing to report it. At this time, the information you are furnishing isunverified, inaccurate, and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX XXXX BANK XXXX XXXX XXXX -Date Opened XX/XX/year> - Balance {$7200.00}

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 2025-09-08 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: PR

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 2025-09-08 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: GA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-08 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX Navy Federal Credit Union charged me {$710.00} on my business account and they said is XXXX. I make a fraud claim and they temporarily reverse the amount. I have canceled the debit card because XXXX used without my authorization and concern after make falsely reports to XXXX that canceled my account immedistely and after refusing for two months exchanged a rental car with nearly expiration registration and plate. I followed XXXX instructions the last authorized payments was on XX/XX/XXXX when XXXX charged {$370.00} and hold me {$370.00} for a rental of XXXX XXXX XXXX  with XXXX used. On XX/XX/XXXX XXXX and XXXX canceled my XXXX account and I returned to the store they said keep the car until the paid rental ends at XX/XX/XXXX XXXX. I returned to the store at XX/XX/XXXX they said keep the car until XX/XX/XXXX. I returned the car XX/XX/XXXX XXXX there no 3 days of rental where I paid $ XXXX. I notified to return the rental in the dropbox. And their emplyee XXXX XXXX accepted. Then on XX/XX/XXXX charged me for two weeks. My card have no funds, I have no line of credit, I have no credit card and Navy federal credit union authorized the transaction. I suddenly lost my transportation and my incomes and could not used my account for more yhan two.months. I did not owed anything to XXXX because on the first week they told me that there no hold in my account snd they charged me {$370.00} and {$370.00} for the first week. The rental if the card for 3 days should be less than {$160.00} or $ XXXX not {$710.00} neither {$440.00}. I don't have XXXX property, I did not received their services for two weeks, XXXX intentiomally canceled my XXXX account and caused me damages and losses and now Navy Federal Credi Union wants to steal my money when I did not received any fraud department call or text amd sometimes they call for {$1.00} and {$10.00} and now wanted {$710.00}. I have canceled my debit card, i have my new mailing address. I fid not owed anything to XXXX. That is not the process for collection theamount should be gone to collection not to an unauthorized charges to my account. I did not consent, I did not authorized the used of my card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: FL

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$5500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$12.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-08 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} Unauthorized Inquiries to Be Deleted : CREDIT XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX These accounts and inquiries are fraudulent. Under FCRA 605B and the Identity Theft and Assumption Deterrence Act, I am exercising my rights as a consumer and demanding that all fraudulent information listed above be : Blocked and removed from my credit report within four business days of receipt of this notice.

That a copy of the updated report be sent to me once the deletions are complete.

That all parties who have accessed these accounts or information in the last six months be notified of the deletions under FCRA 611 ( d ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
On XXXX I received an email that I owe. {$760.00}. I called customer service to get an explanation for the amount owed and my ssn doesnt match what is on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
More unauthorized activity including withdrawing all my money I will attach screenshots

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: MD

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: IL

Complaint narrative:
I should not have to chase down errors like this, yet unauthorized accounts keep showing up under my name. I never opened or approved these accounts, and I was never informed they were added. The reporting across bureaus is inconsistent and clearly inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint because there is inaccurate, incomplete, and unverified information being reported on my credit profile. Despite prior written disputes sent to the credit reporting agencies, the accounts in question continue to be reported without proper validation. 

I request that the Consumer Financial Protection Bureau investigate this matter, require the furnishers to provide complete documentation to substantiate the reporting, and ensure that any inaccurate or unverified information is corrected or removed in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint because there is inaccurate, incomplete, and unverified information being reported on my credit profile. Despite prior written disputes sent to the credit reporting agencies, the accounts in question continue to be reported without proper validation. 

I request that the Consumer Financial Protection Bureau investigate this matter, require the furnishers to provide complete documentation to substantiate the reporting, and ensure that any inaccurate or unverified information is corrected or removed in compliance with the Fair Credit Reporting Act ( FCRA ).

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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Merchant : XXXX XXXX Item : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Only XXXX XXXX XXXX Date of Purchase : XX/XX/year> XXXX Order Number XXXX XXXX Item was purchased on XXXX from a seller on XX/XX/year>. Item was used and condition described as Excellent. I decided to return the item for it was too expensive for its condition. I started a return through the selling platform and got a Return Label from XXXX. On XXXX XXXX XXXX Package ( shipped on XX/XX/XXXX ) reached Seller address XXXX XXXX XXXX XXXX XXXX IA XXXX. I received a confirmation letter with confirmation of the delivery of item to seller and informed me that refund will be issues within XXXX hours. After no updates on my account after XXXX hours, I got in touch with XXXX customer service by phone number, and received a reply that seller still has time to issue a refund. Since then I havent received my refund. 
Please analyze the documentation below along with my statement on what happened with this order ; I will include : XXXX. 
Email confirmation of the purchase from XXXX XXXX. 
Tracking XXXX XXXX from XXXX XXXX provided by the selling platform XXXX XXXX. 
Email confirmation of the delivery of item to Seller ( Refund notice ) XXXX. 
XXXX of XXXX label from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: MI

Complaint narrative:
Fraudulent accounts and inquiries linked to identity theft have been placed on my consumer report without my written authorization or wet signature. These unauthorized accounts have caused significant emotional and financial distress by inaccurately representing my credit history and preventing me from achieving important financial goals, including purchasing a home and meeting my family 's needs. I am formally requesting the immediate blocking and removal of these disputed items from my credit report, as their continued presence violates my consumer rights under 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