vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
I purchased my vehicle in XX/XX/XXXX with a loan through Credit Acceptance. At one point I had called in and I requested a payment arrangement as I knew I was going to fall behind that month and that arrangement was granted however the Credit Acceptance representative failed to explain to me that my credit would be affected through each month I was on the payment arrangement because the past due would be reported as late and it would compound into XXXX days continously. This has caused significant financial stress with several late payments even though I was paying as agreed based on that payment plan. By the time Credit Acceptance begin reporting my account lateto the credit bureau I was already a few months into the payment arrangement and hit with several late marks. 

I have paid this loan off as of XX/XX/XXXX and was given a refund check for a rebate in the amount of {$4.00}. However, Credit Acceptance is still reporting it as 30 days late on my credit report. They are not reporting it as paid and closed and there are photos attached. This is continuing to hurt my credit score and causing financial distress. I have been denied a mortgage due to low credit score and this is a contributing factor. Also I should have been advised that I would be having my payments reported late until the past due balance was paid. Im requesting that this account be updated and deleted from all credit bureaus photos are 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 2025-05-11 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 access my credit report to find that my report has been sold to a XXXX party withch I didn't give permission.and if I have a charge off or closed account it should not be seen on my credit report by law it should be removed and left without any remarks.... but it is showing up ... and by law my information is confidential..... so it's a data breach of contract..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: MI

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally complain about TransUnion, Equifax and Experian regarding their refusal to remove fraudulent accounts from my credit report. 

The Accounts in question are, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have disputed these accounts multiple times, providing documentation proving that they bare fraudulent. However, Experian, TransUnion and Equifax has not taken the appropriate action to rec tidy this issue. 

I respectfully request the the CFPB investigate this matter and ensure that these Credit Bureaus fulfills its obligations to remove these Fraudulent accounts from my credit report. Thanks!!

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 2025-05-11 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I keep getting credit checks pop up from random companies listed below. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not authorize any of these credit checks and I have tried to call each bank but I get sent to a waiting line and never get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I keep getting credit checks pop up from random companies listed below. 
XXXX XXXX XXXX Bank of America XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not authorize any of these credit checks and I have tried to call each bank but I get sent to a waiting line and never get an answer.

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 2025-05-11 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Dear CFPB Representative, I am writing to submit a formal complaint regarding my recent experience with Bank of America. 

I attempted to open a new bank account with Bank of America, both personal and business, but I was informed that a red flag alert had been placed on my profile. According to the representatives I spoke with, this alert is related to a previous account that was closed due to a check I deposited that was not paid. 

As a result of this alert, I have been told that I am permanently banned from opening any account with Bank of America, even though I currently hold an active credit card with the institution. I have not received any written explanation or opportunity to resolve the issue. I was also never contacted when the original account was closed to dispute or clarify the matter. 

This has caused unnecessary harm to my financial situation and has interfered with my efforts to establish proper banking services for my newly formed business.

I respectfully request that Bank of America be required to : 1. Provide a detailed explanation in writing regarding the reason for the alert and account closure.

2. Give me the opportunity to resolve or dispute any issues related to the unpaid check.

3. Reevaluate the lifetime ban from opening accounts, especially considering my existing relationship through their credit services. 
XXXX. Remove any internal alerts or flags that are unjustified or outdated. 

Thank you for your time and assistance in helping me seek a fair resolution to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
I had put {$1000.00} dollars in my Robinhood account the same day my account got restricted and I have been unable to withdraw or move my money to another account I have contacted them multiple times they are stating that they are working on it but everyday the date keeps moving their customer service has been very bad and unprofessional I was told I would receive updates and have not received anything I keep getting the same emails over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: AZ

Complaint narrative:
on XX/XX/year> I noticed that there were claim filed stating disputing a bunch of payments. I never filed and claims. Someone had gotten into my online banking and did these request. I called Chase and let them now that these were not done by me and to cancel all the claims which they did. I then went in and closed that account and they opened up a new one. For all the claims that were being disputed they did credits back into my accounts. Then there were with drawls to cash app with the amount of the claims filed. I didn't do these so I filed a claim for them also. Chase took back their credits which they should have but then closed all the claims. 

For the XXXX XXXX they told me to contact XXXX XXXX and they couldn't help me. I did file complaints with XXXX XXXX but haven't heard back from them yet. 

I called Chase and was being honest about the false claims filed but now i'm paying the price they have not return any of the money from XXXX XXXX and I have put XXXX paychecks in the bank and don't even have access to those because XXXX keep reversing credits. 

this all started XX/XX/year> a claim for XXXX XXXX XXXX XX/XX/year> multiple transactions XXXX These are my house payments XX/XX/year> multiple transactions XXXX XX/XX/year> multiple transactions XXXX XX/XX/year> multiple transaction XXXX This is house payment XX/XX/year> multiple transactions XXXX XX/XX/year> multiple transactions XXXX XX/XX/year> multiple transactions XXXX XX/XX/year> multiple transactions XXXX XX/XX/year> multiple transactions XXXX This is Cash APP XX/XX/year> multiple transactions XXXX XX/XX/year> multiple transactions XXXX This is Cash APP When I went to the bank and they closed my account they looked and said once everything was done there should be around XXXX dollars since then I have XXXX paychecks deposited but my account is XXXX. 

So the bank got their money and fraud people got theirs and I'm out. 

If you want the names that are in the XXXX XXXX account that I have no clue who they are I can send those. 

I would be happy if XXXX would a least give me the money back from cash app I would be happy because that is what my acct is overdrawn. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
In XXXX XXXX I applied and was approved an XXXX credit card account now known as XXXX XXXX XXXX. Then after three years on XXXX XXXX the credit card company reduced my credit limit to {$5000.00}. Yes that's correct I discovered that my credit limit had been slashed from {$35000.00} to {$5000.00}. Thats a {$30000.00} hit. On XXXX XXXX I voiced my concern, and my response was the following : " I understand your concern and apologize that we were unable to provide advance notice prior to this decision, open up your available credit and make frequent payments ''. 
My credit utilization spiked over 50 % harming my credit despite my responsible usage and perfect, perfect XXXX payment history. The change continues to disrupt my utilization and credit score and I've continue to battel this situation and no where to turn. 
Why this is unfair lack of noticed and no concern to address my risk factors at all. I desire to restore my credit limit back to {$35000.00} and conduct a thorough investigation into XXXX 's practices to include their lack of transparency and failure to notify customers adequately. 
Thank you greatly for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: OR

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: IL

Complaint narrative:
In XXXX of XXXX, noticed a charge from grub hub didnt think much of it, BUT that same charge appeared on my account in XXXX and XXXX, called the bank ( chase ) ; instantly card was de-activated and re-issued. Now, XXXX, XX/XX/XXXX, notice a charge from XXXX, never shopped there ; a repeated charge appeared on my account, notified the bank ( chase ), and instantly card was de-activated and re-issued. To my knowledge, NO ONE as excess to my cards, credit or accounts, Im not sure why is this becoming a constant, BUT now Im abit concerned. What should I do to stop or prevent this from happening again?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Wednesday, XX/XX/XXXX my account was shut down I wasnt told why or any reason only for suspect fraud now Im waiting for my funds to get to my new account and they wont let me have my money from my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
I am on track for XXXX. I was placed on the involuntary XXXX XXXX due to the court injunction in XX/XX/XXXX. However, I had seen the writing on the wall early and sent a paper application for the XXXX XXXX  on XX/XX/XXXX to get out of the XXXX XXXX  so nothing would shake up my XXXX  situation. That application was not processed until XX/XX/XXXX. In the meantime while I called and asked frequently about the application and when it would be processed, I was told nobody can see it anywhere and I should apply again, so in XX/XX/XXXX I did. When I was finally placed on XXXX in XXXX I wasnt sure which application theyd gotten to but I didnt care, and I happily began making XXXX-eligible XXXX. 
But then at the end of XXXX, after Id already made payments, the save forebearance was applied again, and applied retroactively through XXXX making my payments ineligible suddenly. They told me it was because an IDR application was left open. I began requesting that they immediately remove the application and the forebearance, including for XXXX through XX/XX/XXXX, and they told me it would be done in XXXX business days. It wasnt. I called again XX/XX/XXXX and was told the same thing, XXXX more business days. On XX/XX/XXXX I escalated, was given a resolutions case number of XXXX and then was told it would be done in XXXX business days. Its still not done.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-11 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm always getting restricted access when making disputes online reach out nothing change

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 2025-05-11 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 because my personal information was compromised in the XXXX Equifax data breach, which exposed critical data including my Social Security number, date of birth, and other identifying details. As a result, I believe fraudulent accounts have been opened in my name without my knowledge or consent. 

The following accounts appear on my credit report and are fraudulent : XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX I did not authorize or apply for any of these accounts. Their presence on my credit report is the direct result of identity theft stemming from the Equifax breach. These accounts are damaging my credit and causing me undue financial and emotional distress. 

I am formally requesting that these accounts be fully investigated and permanently removed from my credit report within XXXX ( XXXX ) days of receipt of this complaint. Equifax must take accountability for the consequences of its data breach and ensure that victims like myself are protected and made whole. 

Thank you for your immediate attention to this matter.

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-11 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: NY

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 response to consumer: Closed with non-monetary relief