vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
I am filing this complaint because the three major credit bureausExperian, Equifax, and TransUnion are reporting three different and conflicting versions of my XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX causing confusion, harm, and a distorted representation of my credit history. Experian reports the account with a {$0.00} balance, a Date of Last Activity of XX/XX/XXXX, and a Date Reported of XX/XX/XXXX, while Equifax also reports a {$0.00} balance and the same Date of Last Activity ( XX/XX/XXXX ) but lists an impossible Date Reported of XX/XX/XXXX, a future date that has not occurred, which demonstrates a clear failure of accuracy, validation, or date-tracking measures. TransUnion then reports the same account with yet another version, showing a {$0.00} balance but with a different Date of Last Activity of XX/XX/XXXX and an inconsistent Date Reported that does not match either Experian or Equifax, meaning each bureau is presenting a contradictory timeline for the same account. These discrepancies violate the Fair Credit Reporting Act, including FCRA 607 ( b ) requiring maximum possible accuracy, FCRA 623 ( a ) ( 1 ) ( A ) prohibiting the reporting of false or misleading information, and FCRA 623 ( a ) ( 5 ) requiring accurate reporting of the Date of First Delinquency and related dates. Because these errors create a misleading picture of my credit history, disrupt chronological accuracy, and potentially impact lenders perception of my financial behavior, the inconsistent reporting across all three bureaus has become detrimental, confusing, and unjustified, and the errors appear to stem from either improper furnishing or insufficient verification processes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FULTON FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I went into Fulton Bank located at XXXX New Jersey to cash my check. An older lady blonde hair, short, with glasses stated that I had to deposit the check because the check didnt come from the branch. She then asked for my ID and a proof of address, I gave it to her. She asked why my address was different from my ID and I told her why. She grabbed another employee at the branch and then asked me to show a paystub. I showed them the paystub for the XXXX XXXX. I work for my mother through her insurance company. XXXX XXXX XXXX, I cleared up everything they wanted to know just so I can get my check and pay my bills. When I left the bank I checked my account and it said XXXX $ was available, while the rest would be held until today. I went to order some laundry detergent from XXXX XXXX and it turns out my account has been closed. No access. I called the bank to see whats going on, ( highly upset ) because I am still out of pay. I was supposed to get a card from my job. And it still has not came. Which is why they sent me a check. Now I am out of money, its close to the holidays, and I have nothing in my account due to Fulton Bank claiming they had to verify my check. If thats the case, why not tell me that at the bank and why is my account deleted? Why cant I access any of my funds? This is a very big inconvenience and I feel like there was definitely discrimination involved. I showed my ID, I showed proof of address, I still have cards with my old address, I showed my XXXX  account thats still active, I showed paystubs as well. I used to work at XXXX XXXX and I know you can not treat your customers this way. This bank did nothing but make my life more XXXX  than it already is. I called today and I am still waiting for them to verify my check. This will be the last time I ever try to make a deposit at Fulton Bank. Why play with peoples money? I am so disappointed because I answered every question, and still I can not access my account. My original pay day was XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Re : Formal Claim Notice Under the Claims Resolution Section Request for Explanation and Reinstatement Account Ending : XXXX To Whom It May Concern : I am submitting this letter as a formal Claim Notice pursuant to the Claims Resolution section of my American Express Cardmember Agreement ( Part 2, pp. 912 ). This written notice is required prior to mediation, arbitration, or litigation. The purpose of this letter is to outline my concerns and request specific relief.

1. Request for Specific Reason for Account Termination On XX/XX/year>, I received an email informing me that my American Express account ending in XXXX was canceled and is not eligible for reinstatement or Membership Rewards redemption. 
I respectfully request the specific adverse action reason, internal decision code, or policy basis that led to this cancellation.

While the Agreement states under Cancelling or suspending your Account that American Express may : cancel your Account at our discretion, even if you pay on time and your Account is not in default, no explanation was provided, and I have not been informed of any violation of the Agreement. Additionally, one of my American Express accounts has previously been reinstated, demonstrating that reinstatement can be appropriate.

For my compliance, recordkeeping, and clarity, I request a written explanation for the decision.

2. Request for Reinstatement of My Account The Cardmember Agreement also states : We may agree to reinstate the Account after a cancellation.

Given my history, my willingness to provide any financial information or documentation needed, and the fact that American Express has reinstated one of my accounts previously, I respectfully request that my account ending in XXXX be reinstated, including charging privileges and Membership Rewards eligibility. 
I value my relationship with American Express and remain committed to full compliance with all terms and conditions.

3. Relief Requested In accordance with the Claims Resolution process, I request the following : 1. A written explanation detailing the reason ( s ) for the account cancellation.

2. Reinstatement of my account ending in XXXX. 
3. If reinstatement is not approved, a clear written explanation of the steps, documents, or conditions required for reinstatement now or in the future.

Thank you for your attention to this matter. I look forward to receiving the detailed explanation requested and a favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am filing this complaint because my bank, Chase, changed the mailing address on several of my accounts on XX/XX/year> without my knowledge or authorization and has been unable or unwilling to provide a consistent or transparent explanation of how this occurred. 

I discovered the unauthorized change when reviewing my account. I immediately contacted Chase, and two different representatives gave me conflicting explanations for why the address had been altered. When I asked for additional detailssuch as what triggered the change or how it passed their verification controlsI was told that the information was for internal reporting only and could not be shared with me.

This situation raises serious concerns about the security of my personal information, the integrity of Chases account-change controls, and whether my account may have been compromised. Chase has not provided a clear explanation, has not confirmed whether the change was caused by an error or potential fraud, and has not demonstrated that appropriate safeguards are in place.

I am requesting that the Consumer Financial Protection Bureau require Chase to : 1. Provide a complete and transparent explanation of how and why my mailing address was changed without my consent.

2. Confirm whether the change was due to a system error, employee action, or unauthorized access.

3. Explain what steps they are taking to ensure my account and personal information remain secure.

4. Correct any internal records and address any potential breaches of my data privacy.

I am submitting this complaint because the banks responses so far have been inconsistent, incomplete, and lacking transparency, leaving me uncertain whether my accounts and personal information are safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
So basically I had not spent XXXX at XXXX XXXX I was phished through a link and they had gained access to my account and bought the stuff and I have asked for help for information about the purchase and needed help with the refund

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I am filing this complaint regarding inaccurate, incomplete, and unverifiable information on my credit report. My report lists two addresses, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX which are inconsistent and incorrect. It also shows an XXXX account ending in XXXX with a balance of {$2600.00} and a XXXX XXXX account ending in XXXX with a balance of {$950.00}. I have never received proper debt validation for either account, and reporting them without verification may constitute false, misleading, or unfair practices under FDCPA 807, 808, and DCPA 809. Some information appears outdated or the Date of First Delinquency ( DOFD ) is incorrect, violating FCRA 605 ( a ), 605 ( c ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). Under FCRA 611 and 609 ( a ) ( 1 ), I am exercising my right to dispute all inaccurate or unverifiable information and request full disclosure of supporting documentation. These errors are affecting my creditworthiness, financial opportunities, and ability to obtain accurate credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: WA

Complaint narrative:
I am submitting to dispute the inaccurate reporting of my XXXX XXXX Balance : {$990.00} and XXXX  XXXX XXXX Balance : {$300.00} account on my Equifax and TransUnion credit report, this reporting is incorrect. I have never experienced the delinquencies reported, and the account was maintained responsibly in accordance with its terms.

Under FCRA 611 ( a ) ( 1 ), I am exercising my right to a reasonable reinvestigation of this account. I demand that Equifax and TransUnion contact the original creditor directly to verify the accuracy of the reported information. If the creditor can not provide verifiable documentation to substantiate the reported collection or charge-off status, the account must be corrected or updated entirely from my file.

Additionally, FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to provide only accurate and complete information. Since the current reporting is inconsistent with my verified records, the furnisher must be held accountable to confirm the correct status of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Balance : {$25000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX - Balance : {$4200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX - Balance : {$30000.00} UNAUTHORIZED INQUIRY PLEASE DELETE 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 2025-11-21 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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts bellow : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because the three major credit bureausExperian, Equifax, and TransUnion are reporting three different and conflicting versions of my XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX causing confusion, harm, and a distorted representation of my credit history. Experian reports the account with a {$0.00} balance, a Date of Last Activity of XX/XX/XXXX, and a Date Reported of XX/XX/XXXX, while Equifax also reports a {$0.00} balance and the same Date of Last Activity ( XX/XX/XXXX ) but lists an impossible Date Reported of XX/XX/XXXX, a future date that has not occurred, which demonstrates a clear failure of accuracy, validation, or date-tracking measures. TransUnion then reports the same account with yet another version, showing a {$0.00} balance but with a different Date of Last Activity of XX/XX/XXXX and an inconsistent Date Reported that does not match either Experian or Equifax, meaning each bureau is presenting a contradictory timeline for the same account. These discrepancies violate the Fair Credit Reporting Act, including FCRA 607 ( b ) requiring maximum possible accuracy, FCRA 623 ( a ) ( 1 ) ( A ) prohibiting the reporting of false or misleading information, and FCRA 623 ( a ) ( 5 ) requiring accurate reporting of the Date of First Delinquency and related dates. Because these errors create a misleading picture of my credit history, disrupt chronological accuracy, and potentially impact lenders perception of my financial behavior, the inconsistent reporting across all three bureaus has become detrimental, confusing, and unjustified, and the errors appear to stem from either improper furnishing or insufficient verification processes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
I am filing this complaint because the three major credit bureausExperian, Equifax, and TransUnion are reporting three different and conflicting versions of my XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX causing confusion, harm, and a distorted representation of my credit history. Experian reports the account with a {$0.00} balance, a Date of Last Activity of XX/XX/XXXX, and a Date Reported of XX/XX/XXXX, while Equifax also reports a {$0.00} balance and the same Date of Last Activity ( XX/XX/XXXX ) but lists an impossible Date Reported of XX/XX/XXXX, a future date that has not occurred, which demonstrates a clear failure of accuracy, validation, or date-tracking measures. TransUnion then reports the same account with yet another version, showing a {$0.00} balance but with a different Date of Last Activity of XX/XX/XXXX and an inconsistent Date Reported that does not match either Experian or Equifax, meaning each bureau is presenting a contradictory timeline for the same account. These discrepancies violate the Fair Credit Reporting Act, including FCRA 607 ( b ) requiring maximum possible accuracy, FCRA 623 ( a ) ( 1 ) ( A ) prohibiting the reporting of false or misleading information, and FCRA 623 ( a ) ( 5 ) requiring accurate reporting of the Date of First Delinquency and related dates. Because these errors create a misleading picture of my credit history, disrupt chronological accuracy, and potentially impact lenders perception of my financial behavior, the inconsistent reporting across all three bureaus has become detrimental, confusing, and unjustified, and the errors appear to stem from either improper furnishing or insufficient verification processes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hindering my ability to obtain credit. 

1. XXXX  XXXX XX/XX/year> 2. XXXX XX/XX/year> 3. XXXX XXXX 4. XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX I did not authorize this account and I disputed several times with transunion, Equifax, and experian they will not remove this unauthorized account from my credit profile that I did not open They keep denying my dispute last XXXX of my ssn is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
XXXX XXXX I did not authorize this account and I disputed several times with transunion, Equifax, and experian they will not remove this unauthorized account from my credit profile that I did not open They keep denying my dispute last XXXX of my ssn is 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