vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: OK

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-04-25 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 submitting this complaint to request that Experian take immediate action, in accordance with the Fair Credit Reporting Act ( FCRA ) XXXX ( XXXX XXXX XXXXXXXX ), to block fraudulent information from my Experian consumer credit report within XXXX business days. The accounts, collections, in question are the result of identity theft and do not belong to me. I request that these items be removed from my credit report within XXXX business days of receipt of this complaint, as stated under the FCRA. The fraudulent information that needs to be removed includes the following : XXXX XXXX - Opened XX/XX/XXXX With a balance of {$550.00} Account number : XXXX XXXX XXXXXXXX - Opened XX/XX/XXXX With a balance of {$1200.00} Account number : XXXX XXXXXXXX XXXX  XXXX XXXX - Opened XX/XX/XXXX With a balance of {$10000.00} Account number : XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$1100.00} Account number : XXXX XXXX XXXX XXXX - Opened XXXX XXXX XXXX With a balance of {$1700.00} Account number : XXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$27000.00} Account number : XXXX XXXX - Opened XX/XX/XXXX with a balance of {$11000.00} Account number : XXXXXXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX a balance of {$0.00} Account number : XXXXXXXX XXXX  XXXX - Opened XX/XX/XXXX With a balance of {$1200.00} Account number : XXXX XXXX  XXXX - Opened XX/XX/XXXX With a balance of {$1100.00} Account number : XXXX XXXX XXXX XXXX  - Opened XX/XX/XXXX XXXX a balance of {$870.00} Account number XXXX None of these accounts, collections, were initiated by me, and they are a direct result of identity theft. As evidence of the fraudulent activity, I am including a copy of my FTC Identity Theft Criminal Complaint ( # XXXX ) & ( # XXXX ) ( # XXXX ) I expect that Experian will act swiftly to resolve this matter and block the fraudulent information from my credit report as required by XXXX am submitting this complaint to request that Experian take immediate action, in accordance with the Fair Credit Reporting Act ( FCRA ) XXXX ( XXXX XXXX XXXX ), to block fraudulent accounts, collections, hard inquiries in question are the result of identity theft and do not belong to me. I request that these items be removed from my credit report within XXXX business days of receipt of this complaint, as stipulated under the 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 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am writing to file a complaint against Chase Bank regarding a promotional offer that was not honored due to an error made by the bank 's staff.

I opened a new account at the newly opened Chase branch located in XXXX, GA, after seeing their promotion offering a {$300.00} bonus for new account openings. I fulfilled all the advertised requirements, including setting up direct deposit and maintaining the account as required. 

However, I did not receive the {$300.00} bonus. After visiting the branch multiple times, I was informed that the teller failed to apply the necessary coupon code during the account opening process. Although the branch staff admitted it was their mistake, they have refused to issue the bonus, stating that it can not be processed because the code is missing from the system. 

I have visited the branch XXXX times to resolve this issue, but there has been no resolution. I believe this is unfair and misleading, as I met all the conditions and the failure was on the banks part. 

I respectfully request that appropriate action be taken so that Chase Bank honors its promotional commitment and prevents similar issues from affecting other consumers in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-25 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: IL

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-04-25 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: OK

Complaint narrative:
This morning, I discovered some incorrect accounts listed on my credit report and I have no clue how they got there. I checked my report like I always do, but this time, unexpected discrepancies appeared. I even refreshed the page thinking it might be a glitch, but the errors remained. Because of this, Im asking for a detailed review of the documents I submitted to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-25 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-25 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: TN

Complaint narrative:
I am writing to formally dispute the accuracy of a derogatory item appearing on my Equifax credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request a complete reinvestigation of the following account. Given the history of the Equifax data breach, I am especially concerned about the possibility of compromised or inaccurate information being reported on my file. 
The disputed account is as follows : Account Name : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$70000.00} This account was previously challenged and resolved, but it has since reappeared on my credit report. I request that you verify this account with complete documentation, and if verification can not be completed within the legally mandated timeframe, the account must be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX I made a large check deposit into my checking I have had with Wells Fargo for over 20 years. Initially {$400.00} of the deposit was made available, over night the entire deposit was put on hold for 10 days. This is a domestic check drawn on my deceased mother estate, I live in CT the bank is in MA. The check has already cleared the account, but I wont have the any of the funds available to me until XX/XX/XXXX. I believe this hold is is excessive and in violation of XXXX XXXX. Thank you.

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 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: OR

Complaint narrative:
Friday the XXXX, I tried transferring {$15.00} from an external debit card to my Chime checking. I am given the option to do so within my Chime account. My chime account gives me the option for instant transfers via external debit card, including prepaid. Yet the transfers are never successful. I reached out to the live chat, the AI informed me that Chime does not allow instant transfers for prepaid debit cards. I asked why my account indicates that I can do an instant transfer with my prepaid debit card, If in fact, Chime doesnt allow instant transfers from prepaid debit cards. I did not get an answer. I did get a live representative, however. She updated me with the following information, that Chime has discontinued allowing the option to transfer from external debit cards altogether, not just prepaid debit cards. This is reflective of the fact that I also can not do a transfer from a debit card that is not a prepaid card. I then asked her why I have the option to do instant transfers from all debit cards within my account, if in fact, Chime, doesnt actually allow those debit transfers as opportunities for consumers. She redirected the conversation and did not answer my question. She thanked me for my feedback and said they would check it out. I mentioned that this confuses consumers- giving them options that arent systematically honored. In fact, the options to transfer via debit card within my account are actually faulty links, considering they will never be successful, due to the fact that Chime eliminated the external debit transfer option for their consumers, but yet leaves that specific option within the consumers account. I have XXXX different failed transfer transactions within XXXX debit card since XXXX, XXXX all due to the fact that Chime doesnt allow debit transfers as a service within their system, despite offering debit transfers to consumers within their accounts. Time is money, and Ive wasted enough of it on Chime. They need to correct their system immediately, until they do, they are violating federal consumer law, as well as state consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: PA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Experian consistently responds within XXXX to XXXX hours stating the account is accurate, without providing any evidence of a through investigation. 
REASONS : I would like the following collection accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the FAIR CREDIT REPORTING ACT, SECTION 609A1A, you are required by federal law to verify through physical verification of the original signed contract, any and all accounts that you post on credit report. Otherwise, anyone paying you for your debt is probably fraudulent. I demand to see verified proof. If you fail to validate, REMOVE ACCOUNT IMMEDIATELY These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and 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 explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a joint credit card with my wife. 
I notified Estate Services of her XXXX in early XXXX, 2025. 
The card was put in my name alone. 
I paid off the balance printed on the statement and closed the account. 
There was a significant credit balance because somehow Chase didn't have the previous payments logged and I overpaid. 
The statement shows " credit balance refund '' of {$6700.00}. 
I've requested this large refund multiple times only to be told the check is in the mail, but nothing arrives. 
When you are grieving, this is a horrible way to be treated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: OK

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: OK

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
Exeter finance is distributing and conspiring to fraud. Plain and simple. Someone is opening accounts under my name. I am receiving account opening statements from them which I now send back, ( AND ANY FURTHER COMMUNICATIONS FRO LEGAL PURPOSES WILL BE RETURNED BACK TO EXETER. ) Exeter Finance continue to ignore the facts based and continue to send out new account openings under fraud. Their Fraud department is unwilling and contribute to fraud to expedite their financial goals. If further mailing with new account opening continue, I will have no choice but to take legal action against Exeter to recover my wellbeing and to remove fraud under my name that this company is contributing to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: GA

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 XXXX XXXX XXXX. 

XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX  XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Yesterday, on XX/XX/year>, Bank of America abruptly closed my account without any warning or explanation. When I called today to find out what the XXXX was going on, they coldly told me they have the right to shut down my account whenever they feel like it and that they wont be giving me any reason why. 

To make matters worse, they said they wont be sending me the money from my account until XXXX. Seriously? You close my account out of nowhere and expect me to just sit around for weeks waiting for MY money? This is completely unacceptable and a major disruption to my life. Ive been a customer for years and this is how they treat people?

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 monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX My correct date of birth:XXXX  My correct Social Security XXXX My correct address XXXXXXXX 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