vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am a XXXX Social Security recipient and have been permanently XXXX for over 10 years due to lupus, avascular XXXX, and multiple joint replacements. I recently underwent major foot and ankle XXXX, have permanent metal implants, and am currently confined to a wheelchair for XXXX weeks. I rely on Chase as my only bank and do not have a credit card or alternative account. 

On or around XX/XX/2025, I reported fraud on my Chase checking account ( ending in XXXX ) after discovering unauthorized transactions. I immediately canceled my debit card, filed claims, and followed all instructions given by Chase representatives. 

Shortly after, my paycheck of {$3200.00} was direct-deposited into that same account, bringing it fully positive. My sons linked college/work account ( ending in XXXX ) was also brought positive by his direct deposit. Despite both accounts now being in good standing, Chase fully restricted our access including online login, debit cards, and branch access to even a few dollars. 

Additionally, we were told that a * * third linked savings account * * ( believed to end in XXXX ), which is still negative due to fraud, must be brought positive before * any * restrictions will be removed. We were told that * * none * * of our money including the deposited paychecks could be accessed until the negative savings account is fixed, despite being fraud-related. 

I have no other source of income or financial tools. I was forced to ask my small-town pharmacy to provide medication without payment. My son is unable to pay his * * court-ordered child support * * or * * car insurance * *, which will cancel by XX/XX/XXXX. We are sharing a car just to get him to work. All three accounts were visible within my Chase app and are clearly linked yet Chase is now punishing us for their system 's exposure to fraud, while denying us basic financial access. 

We have spoken with customer service, branch staff, and the fraud team, and no one has offered help or a timeline. We have now escalated directly to XXXX XXXX XXXX and are filing this formal CFPB complaint to request * * emergency access * * to our * * legally deposited wages * * while Chase investigates. 

I am requesting urgent review due to XXXX, medical risk, legal risk, and total loss of income access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am disputing the reporting of a charge-off account from XXXX on my TransUnion credit report dated XX/XX/year>, with a balance of {$9500.00}. This account is inaccurately reported as an outstanding charge-off. The account balance has been fully satisfied, and I have documentation proving that the debt was settled or paid in full long ago. Despite this, TransUnion continues to report it as a negative charge-off, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies like TransUnion are required to follow reasonable procedures to assure maximum possible accuracy of the information they publish. By continuing to report this account inaccurately as unpaid, TransUnion is failing in its duty to maintain accurate consumer credit information. This inaccuracy is particularly egregious given the age of the account and the fact that it has been settled for years, making the continued negative reporting not only misleading but detrimental to my creditworthiness.

Moreover, under 15 U.S.C. 1681i ( a ), when I disputed this inaccurate information, TransUnion was legally obligated to conduct a reasonable reinvestigation and correct any errors. Yet, despite my efforts, the charge-off remains on my credit report, directly harming my ability to secure credit, housing, and even employment opportunities. The emotional toll and financial strain from being unjustly penalized for a debt I no longer owe are considerable, causing undue stress and anxiety.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/year>, a settlement was reached for my charged off Capital One Quicksilver account. The settlement amount was {$770.00}, scheduled to be paid on XX/XX/XXXX. The settlement was paid and posted on XX/XX/XXXX. The representative of the collection agency, XXXX XXXX, that discussed this settlement with me informed me that XXXX does not handle the credit reporting to report that my account has been settled. She told me that I would need to contact the original creditor to discuss the removal of the account from my credit report. XXXX  credit reported to me that Capital One updated my credit report with a lower amount, as if I still owe payment. This is a misrepresentation of my account status. The account is settled. The official contact number for Capital One, as listed on XXXX, is ( XXXX ) XXXX. I called this number twice and an answering machine said to me Your account is closed. Thank you for your business. and hung up the phone. I got the exact same message when I called XXXX to ask what was happening. No one from either company will speak with me about the false information on my credit report. It is unacceptable that I am not able to reach anyone. If the case is settled and closed, update my credit report to reflect as much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NC

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 : XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC XXXX INQUIRIES : XXXX XXXX  Date : 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 non-monetary relief
Consumer complaint received 2025-07-15 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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-07-15 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: AR

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), 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 : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DPT EDXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DPT EDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DPT ED/XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DPT EDXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DPT ED/XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DPT ED/XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DPT ED/XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DPT ED/XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-15 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: TX

Complaint narrative:
This is a formal request to remove a hard inquiry from my credit report that I never authorized. Your failure to obtain written consent before accessing my credit constitutes a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SD

Complaint narrative:
I had unauthorized transactions in my account on XX/XX/XXXX and USAA did little to no investigation. XX/XX/XXXX, they send me a notification that they've decided there was no fraud and is now debiting the amount from my 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 explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am formally requesting the immediate investigation and deletion of an account reported by Navy Federal Credit Union due to factual errors, re-aged charge-off reporting, and violations of consumer protection laws. 

Account Details : Creditor : Navy Federal Credit Union Account Type : Credit Card Account Number : XXXX Balance : {$750.00} Charged Off Amount : {$1500.00} Date Opened : XX/XX/XXXX Last Payment Posted : XX/XX/XXXX Status Updated : XX/XX/XXXX Last Reported Balance Activity : XX/XX/XXXX Scheduled to Remain Until : XX/XX/XXXX Key Issues Identified : Re-aged Charge-Off : The charge-off is listed as active through XX/XX/XXXX, even though the last payment was in XX/XX/XXXX, and status was last updated in XX/XX/XXXX. This is unlawful re-aging of a derogatory tradeline, in violation of FCRA 605 ( c ).

Inaccurate Delinquency Timeline : The payment history shows continuous charge-offs from XXXX to XXXX, which contradicts actual activity on the account. This creates a false impression of recent delinquency and ongoing default. 

Unverifiable Charge-Off : The creditor has failed to provide verification of the charged-off amount ( {$1500.00} ), the remaining balance ( {$750.00} ), and has not validated the debt per FCRA 609 ( a ) and 15 USC 1681g. 

Misleading Credit Reporting : The account shows no payments made since XXXX, yet it's still updating monthly. This violates the Fair Credit Reporting Act by furnishing obsolete and misleading data. 

Supporting Legal Basis for Deletion : Fair Credit Reporting Act ( FCRA ) : 607 ( b ) Duty to maintain maximum possible accuracy.

605 ( a ) Obsolete information may not be reported after 7 years from the date of first delinquency.

605 ( c ) Re-aging or restarting the clock on charge-offs is prohibited.

611 ( a ) Right to dispute inaccurate or unverifiable information.

609 ( a ) Right to request the method of verification.

Fair Debt Collection Practices Act ( FDCPA ) : 807 ( 8 ) Misrepresentation of character, amount, or legal status of any debt.

808 ( 5 ) Threatening to report false or outdated credit information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: FL

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 XXXXXXXX XXXX XXXX XXXX, FL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} INQUIRIES XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: RI

Complaint narrative:
I am submitting this complaint due to multiple accounts that continue to be reported inaccurately and in violation of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. Despite disputing these items multiple times over several months with all three credit bureaus, some bureaus have corrected or deleted the accounts, while others continue to report them with inconsistent, incomplete, or outright false information. 

The following accounts are the subject of this dispute : XXXX CARD # XXXX XXXX XXXX ( {$0.00} ) still reporting as delinquent with conflicting dates and activity history, despite no balance. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  N.A. ) # XXXX Reporting as a collection but lacks accurate Date of First Delinquency ( DOFD ) and continues to report balances post-settlement attempts ; this violates FDCPA 807 ( 8 ) and FCRA 1681s-2 ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off reporting with multiple discrepancies in status, balance, and last activity date. 

XXXX Bank # XXXX Charge-off still reports as updating monthly with derogatory remarks and a balance, though account was closed long ago and contains conflicting data across bureaus. 

XXXX XXXX # XXXX Charge-off with inconsistencies in DOFD, charge-off date, and payment history ; this makes the reporting materially misleading. 

These tradelines violate several sections of FCRA, including : 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 1681i ( a ) ( 1 ) ( A ) Failure to properly investigate disputes within 30 days 1681s-2 ( b ) Furnishers failing to correct or delete inaccurate information after being notified Additionally, these furnishers appear to be in violation of the XXXX XXXX XXXX reporting format, as required for accurate, standardized reporting. Missing or incorrect charge-off dates, inconsistent payment histories, and balances on {$0.00} charge-off accounts are not XXXX XXXX compliant. 

This pattern of behavior is not only negligent but borders on willful noncompliance under FCRA 1681n, which permits statutory damages for knowing violations. It is clear that some bureaus are not applying the same level of investigation or accuracy standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: RI

Complaint narrative:
I am submitting this complaint due to multiple accounts that continue to be reported inaccurately and in violation of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. Despite disputing these items multiple times over several months with all three credit bureaus, some bureaus have corrected or deleted the accounts, while others continue to report them with inconsistent, incomplete, or outright false information. 

The following accounts are the subject of this dispute : XXXX CARD # XXXX XXXX XXXX ( {$0.00} ) still reporting as delinquent with conflicting dates and activity history, despite no balance. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  N.A. ) # XXXX Reporting as a collection but lacks accurate Date of First Delinquency ( DOFD ) and continues to report balances post-settlement attempts ; this violates FDCPA 807 ( 8 ) and FCRA 1681s-2 ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off reporting with multiple discrepancies in status, balance, and last activity date. 

XXXX Bank # XXXX Charge-off still reports as updating monthly with derogatory remarks and a balance, though account was closed long ago and contains conflicting data across bureaus. 

XXXX XXXX # XXXX Charge-off with inconsistencies in DOFD, charge-off date, and payment history ; this makes the reporting materially misleading. 

These tradelines violate several sections of FCRA, including : 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 1681i ( a ) ( 1 ) ( A ) Failure to properly investigate disputes within 30 days 1681s-2 ( b ) Furnishers failing to correct or delete inaccurate information after being notified Additionally, these furnishers appear to be in violation of the XXXX XXXX XXXX reporting format, as required for accurate, standardized reporting. Missing or incorrect charge-off dates, inconsistent payment histories, and balances on {$0.00} charge-off accounts are not XXXX XXXX compliant. 

This pattern of behavior is not only negligent but borders on willful noncompliance under FCRA 1681n, which permits statutory damages for knowing violations. It is clear that some bureaus are not applying the same level of investigation or accuracy standards.

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