vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I'm being a long-time customer with Chase Bank over 15+ years at least. Never had any issues or complaints about them but this time I have to take the lead to bring up the frustration and struggle I had encountered with Chase. They better take the immediate action right away. 
Here is the brief story about what happened. Which I had written out a check to a friend who had tried to deposit the check to their bank, XXXX, but the teller rejected to do so for no exact reason but only saying " unable to cash '' and the friend returned the check to my hand. I still have money in my account. On the same day of check returned to my friend, same check number # XXXX, at the amount of {$1000.00}, my bank account all of sudden out of no where missing exact same amount with the exact same check number! The check had the bank transaction stamp and copy of the check attached but the physical check was with me whole time. The customer service did not want to cooperate to find out detail but keep pushing me to find out from XXXX, which rejected the check at the beginning. My friend had showed me their bank account, in those days, there was NOTHING but regular routine of their personal transaction. NOTHING ABOUT CHECK # XXXX NOR {$1000.00} FROM ME .. NO CHECK COPY OR TRANSACTION FOR SURE! How could this be happening even with APP deposit, there should not have any check copy with transaction stamp in the back of the check copy?? It's very frustrating and disappointing about how this happens.. It's really a big FRAUD here.. I'm seeking for an immediate remedy for this situation because {$1000.00} is a lot to me that I urgently need for emergency!! 
Thank you so so much for the attention and immediate assistance!! I really need my money back and I'll have to end the banking with Chase now!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: AL

Complaint narrative:
I am a victim of identity theft resulting from a data breach that exposed my personal information. As a result, fraudulent accounts were opened in my name without my knowledge or consent. These accounts are now being reported on my credit file. 
I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Gives me the right to request blocking of information resulting from identity theft.

FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : Gives me the right to obtain records from creditors/debt collectors related to fraudulent accounts.

FCRA 611 ( 15 U.S.C. 1681i ) : Gives me the right to dispute inaccurate or fraudulent information and requires credit bureaus to investigate and delete unverifiable accounts within 30 days.

Despite sending certified dispute letters, my FTC Identity Theft Report, proof of identity, and supporting documents, the credit bureaus and/or creditors have failed to comply with their legal obligations. They have not properly blocked or removed the fraudulent accounts, nor provided me with the records I am entitled to under 609 ( e ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: AL

Complaint narrative:
I am a victim of identity theft resulting from a data breach that exposed my personal information. As a result, fraudulent accounts were opened in my name without my knowledge or consent. These accounts are now being reported on my credit file. 
I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Gives me the right to request blocking of information resulting from identity theft.

FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : Gives me the right to obtain records from creditors/debt collectors related to fraudulent accounts.

FCRA 611 ( 15 U.S.C. 1681i ) : Gives me the right to dispute inaccurate or fraudulent information and requires credit bureaus to investigate and delete unverifiable accounts within 30 days.

Despite sending certified dispute letters, my FTC Identity Theft Report, proof of identity, and supporting documents, the credit bureaus and/or creditors have failed to comply with their legal obligations. They have not properly blocked or removed the fraudulent accounts, nor provided me with the records I am entitled to under 609 ( e ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: OR

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: AZ

Complaint narrative:
My financial values arent accurately portrayed in the credit check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
The debt collector failed to comply with my lawful request for Debt Validation and Proof of Claim under the FDCPA. Instead, they provided a vague statement that they requested verification from the creditor. Verification is not the same as validation. Under 15 U.S.C. 1692g ( b ), they are required to provide documented evidence of the debt, including the original contract, a full accounting, and proof of assignment. They have not provided this, yet continue to report and attempt to collect, which is a violation of the FDCPA and FCRA. 

I request that the CFPB require the debt collector to provide full Debt Validation and Proof of Claim as required by law or remove all reporting and collection activity related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experion uses Fico on XXXX XXXX XXXX XXXX XXXX XXXX it says I have a fico of XXXX my XXXX XXXX score is XXXX On experion website it says my fico is only XXXX they say they cant connect to my XXXX XXXX card Ive linked it twice XXXX XXXX tells me to call experion but the number is just a chat bot that wants me to unfreeze my credit I dont want to unfreeze my credit due to the dozens of data breach emails I receive I dont want anyone opening a credit account in my name without my knowledge or consent but I feel like theyre bullying me lowering my credit score just because I have frozen my credit. All my accounts are paid in full and in excellent condition. Why am I being harassed this way?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
What happened : On XX/XX/year>, I mistakenly made a double payment in the amount of {$1200.00}. On XX/XX/year>, my account showed a credit balance refund of {$1200.00}. 

I contacted my bank, and they agreed to send a refund check to my home address. However, the check never arrived. I called several times, and each time I was told that my address and other information were correct. Despite this, I still have not received the refund. 

As of today, the funds have not been returned to me. 

Timeline of Events : XX/XX/year>XXXX  Made a double payment of {$1200.00} by mistake. 
XX/XX/year>XXXX  My account showed a refund credit balance of {$1200.00}. 
XXXX XXXX  I called the bank, and they confirmed a refund check would be mailed to my home address. 
XXXX XX/XX/year> I called again after not receiving the check. The bank verified my information was correct but did not resolve the issue. 
Multiple follow-up calls Each time, I was told my address and information were correct, but I never received the refund. 
Today ( XX/XX/year>XXXX  ) The refund has still not been sent. 

This situation has caused unnecessary stress and financial inconvenience, as I have been waiting for a refund that rightfully belongs 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 monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Westlake Services, LLC
State: WV

Complaint narrative:
Since XX/XX/XXXXXXXX  I have been making truck payments from XXXXXXXX XXXX XXXX Westlake Financial via XXXX auto pay. Beginning on or about XX/XX/XXXX, Westlake Financial has claimed they are not receiving payments. I checked with XXXX XXXX who assured me the payments are being made- they investigated it twice. I have sent copies of bank statement payments to Westlake Financial and they basically ignored them. They have sent non-payment notices to credit bureaus. My bank account shows every payment has been made. Please investigate this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: MI

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$39000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
I want to follow up my dispute on the inaccurate and misleading information that you are reporting on my credit file. Under FCRA 1681e ( b ), you are required to maintain maximum accuracy, and under 1681i you must reinvestigate disputed information. 

The following tradeline contain factual errors : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX {$18000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: SC

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am a XXXX XXXX XXXX, and my husband is XXXX XXXX military. Together, we maintain a joint checking account with USAA. Both of our paychecks - XXXX XXXX XXXX XXXX XXXX XXXX were deposited to this account in good faith. Without any prior notice, the account was suddenly placed into " credits only '' status, making both deposits inaccessible. 

When I contacted USAA directly through chat, I was told I would be provided the reason for restriction. That never happened- they stated they needed to speak to my husband about it and couldn't speak to me. When I asked if I uploaded a POA that I have for my husband I was told it would take around 10 days to become viable. My husband later called and was told a letter had been sent only to him. As a joint account holder whose paycheck is directly impacted, I have a legal right to be notified about any changes with my account. I was denied any written explanation, despite multiple attempts at gaining one via phone, and chat. 

In a subsequent chat with a USAA representative today, XX/XX/year>, it was implied that the account had been discontinued under " fraud abuse. '' I was never accused of fraud, never provided evidence of any wrongdoing, and never given the opportunity to dispute or defend myself. My husband also has never committed fraud. This vague and stigmatizing label has now resulted in my paycheck and my husbands paycheck being frozen without legitimate cause. 

The consequence is devastating. My XXXX XXXX XXXX  and my husband 's XXXX  paycheck are both being withheld, leaving our family- including XXXX children - unable to purchase groceries, pay for car insurance, or meet basic monthly bills. I was not at fault for any alleged account issue, yet I am being punished without explanation or recourse. 

I have attached the transcript with USAA, which documents : 1. Their refusal to release our paychecks.

2. Contradictory statements about notice.

3. Reliance on an undefined " fraud abuse '' label.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL LAW!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX, Nc XXXX Date : XXXX Debt collectors : IC Systems Debt collectors Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX Re : Request for Debt Validation To Whom It May Concern, I am responding to your contact regarding an alleged debt. This is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide proper validation of this debt, including but not limited to : 1. The name and address of the original creditor.

2. The amount of the alleged debt, with an itemized accounting of charges, fees, and payments.

3. A copy of the original signed agreement or contract establishing the debt.

4. Proof that you are authorized to collect this debt in my state. 
Until you provide this requested validation, you must cease all collection activities, including reporting this debt to credit bureaus. Any attempt to collect without proper validation will be considered a violation of the FDCPA. 
I also request that all future communications regarding this matter be in writing only. 
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 2025-09-11 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: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CO

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation