vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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:
Yes Chase bank closed my checking and savings accounts on XX/XX/XXXX. I had recently filed a high value claim of XXXX XXXXfor products I did not receive. I uploaded picture evidence from XXXX tracking and emails to verify the claim then Chase proceeded to award me the {$4300.00} credit. I had bills and other things I wanted to purchase so I withdrew XXXX the next day after the credit. I then from MY OWN XXXX XXXX account XXXX my Chase account another {$3000.00} because my local Chase is closer and also has ATMs inside their branch with a limit of {$3000.00} and XXXX XXXX in branch is further and does not have those ATMs. So I made two {$3000.00} withdrawals XXXX days apart. 

A day or two after that I try to login to my Chase and it was closed. I called up Chase and they said they closed my account due to the high claim value and due to me making high value withdrawals on XXXX day old deposits. Nothing illegal or wrong just me filing a legitimate claim and me moving/withdrawing my own money and not wanting to do business with me any more. If I were doing anything thing bad with Chase why would I risk sending {$3000.00} from my own XXXX XXXX account a day before and risk it being closed in the Chase, it wouldn't make any sense. Chase is just mad that I had a legitimately high value claim that they had to pay out. I have uploaded screenshots of the XXXX tracking showing it being returned/delivered back to the sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Apelles, LLC
State: GA

Complaint narrative:
The debt listed on my credit report with XXXX, and XXXXeported by XXXX, XXXX XXXX XXXX, XXXX, OH XXXX inaccurate and improperly reported. The reference number associated with this debt is XXXX, and the partial account number ends in XXXX. The alleged balance is {$350.00}, and the original creditor is XXXX XXXX XXXX XXXX, relating to a previous account. This debt does not appear on my XXXX XXXX XXXX report. Despite my efforts to resolve this matter directly with XXXX and through the credit reporting agencies, the inaccurate information remains on my file. I contacted XXXX on XX/XX/year> and was informed that they are not the original creditor and could not provide full account information. I was also told that no negotiation would be offered and was instructed to call back only once I had the full balance. The debt has caused significant harm to my financial standing and personal life, including repeated denials for housing, contributing to homelessness and an inability to secure stable shelter for myself and my disabled parent. This situation has caused serious financial hardship. I believe the continued reporting of this account violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB investigate this matter and take appropriate action. I can be reached at ( XXXX ) XXXX ( voicemail preferred ) or at XXXX for any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX : XXXX ( last 4 ) : XXXX Date : XX/XX/2025 To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information being reported by XXXX on my credit report. According to the Fair Credit Reporting Act ( FCRA ), all information that appears on a consumers credit file must be accurate, complete, and verifiable.

Upon reviewing my credit report, I found that XXXX  has reported derogatory information which I did not authorize or agree to, and I was not informed of any negative impact or late payment being added to my credit file. In many cases, these types of accounts list may or may not report late payments, which introduces ambiguity, and yet negative data was reported without my full knowledge or consent.

Furthermore, I have not received adequate validation of the debt or written notice from XXXX  prior to the adverse reporting. As such, I am requesting under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ( b ) that you : Provide the original application or written authorization that permits this reporting.

Validate the account, including a breakdown of payment history and verification of reporting terms. 

Immediately delete any inaccurate, unverifiable, or unauthorized data from all three credit bureaus : XXXX Equifax, XXXX XXXX 
If you are unable to verify the validity and legal basis for this account, I request that it be removed immediately from my credit report in compliance with the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: NY

Complaint narrative:
am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : Under XXXX U.S.C. XXXX ( XXXX ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of XXXX XXXX XXXX ( a ) ( XXXX ) Pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX. Right to Privacy Section XXXX ( A ) of the FCRA The FCRA, under Section XXXX ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information XXXX XXXX XXXX ( a ) ( XXXX ) Furthermore, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to XXXX ( a ) ( XXXX ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: GA

Complaint narrative:
Can not reach a live person at this company. The last time however I was able to view, the site the information for the Boost platform on the site that enhances score did not have my correct accounts, correct number of payments, etc. were not being synced, there is interference and a breach on my account. I am not able to reach anyone to clear up the information and ensure all of my correct accounts are acc attached and all dates of payments are accurate and included to give me the proper scoring.

There appears to be hacking on the log in as each time I log in a false error message appears asking me for a Pin which is not normal and pins are Not required. So I am stuck unable to And to make a correction I do recall that a year or so back when I was last on, I did try and reach out to the company to advise that Boost did not have all of my accounts etc and tried to reset but it did not work.and I did not receive further help. My last score check should be much higher. I did not get good assistance to resolve the issue

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 2025-07-05 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: LA

Complaint narrative:
My identity was used to open an account without my consent I need information blocked and deleted from my consumer report. I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: LA

Complaint narrative:
My identity was used to open an account without my consent I need information blocked and deleted from my consumer report. I am a victim of identity theft.

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 2025-07-05 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
XXXX. I purchased a range using their financing through synslchrony financial and since it took lonher than 30 days to ship item ( which showed in stock at the time of processing the order ) the account was closed after 30 days of no transactuons and they told me I have to apply again and that will harm my credit score. So my credot score got a hit and I did not get the purchased goods.

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 2025-07-05 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: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
XXXX XXXX opened Apple Card account with Goldman Sachs bank XXXX XXXX account is suddenly removed from XXXX  credit report following a credit dispute ( Card is still reported to XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX regular phone calls and message conversations with specialists and supervisors at both Goldman Sachs and XXXX and every time I have been told to wait 30 days for the issue to be resolved, but all that is ever done is an opened case or dispute which has yet to fix my issue after 2 years of my account not being reported. I call about every month or so after the 30 day waiting period is up with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-05 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: IL

Complaint narrative:
I discovered a collection account from a company named XXXX, referencing an alleged debt from XXXX XXXX XXXX. I do not recognize authorizing or validating this debt. The account contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), including : No Date of First Delinquency listed, violating FCRA 605 ( c ) ( 1 ).

Account number is incomplete, violating FCRA 609 ( a ) ( 1 ).

Account not flagged as disputed despite previous disputes, violating FCRA 1681i ( a ) ( 5 ) ( A ).

A balance continues to report as past due despite there being no billing/payment arrangement, violating FCRA 1681e ( b ).

No debt validation was provided upon request, violating FDCPA 1692g ( b ).

I was never notified of my consumer rights, violating FDCPA 1692g ( a ). 

I have no record of initiating this debt, and the reporting contains false, incomplete, or unverifiable data. I am requesting that this be thoroughly investigated, validated, and removed from all credit bureaus.

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 2025-07-05 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 discovered a collection account from a company named XXXX, referencing an alleged debt from XXXX XXXX XXXX. I do not recognize authorizing or validating this debt. The account contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), including : No Date of First Delinquency listed, violating FCRA 605 ( c ) ( 1 ).

Account number is incomplete, violating FCRA 609 ( a ) ( 1 ). 

Account not flagged as disputed despite previous disputes, violating FCRA 1681i ( a ) ( 5 ) ( A ).

A balance continues to report as past due despite there being no billing/payment arrangement, violating FCRA 1681e ( b ).

No debt validation was provided upon request, violating FDCPA 1692g ( b ).

I was never notified of my consumer rights, violating FDCPA 1692g ( a ). 

I have no record of initiating this debt, and the reporting contains false, incomplete, or unverifiable data. I am requesting that this be thoroughly investigated, validated, and removed from all credit bureaus.

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 2025-07-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Ava Finance, Inc
State: FL

Complaint narrative:
Complaint ID : XXXX Ava Finance I am once again respectfully asking Ava Finance to reconsider a one-time goodwill adjustment for the late payment that was reported on my account. Ive maintained a clean payment history and have made multiple attempts to resolve this matter directly, including communication with four different team members one being a supervisor.

Despite these efforts, Ive received the same generic responses with no real consideration of the facts.

Today, I received another email from Ava saying my subscription payment was past due even though I had already updated my payment method. This shows the exact same system issue that caused the original late payment is still happening. Avas system continues to disconnect AutoPay ( Plaid ), without notifying me clearly, and is placing my credit at risk.

This is not a case of neglect. My original missed payment happened after my phone and card were stolen. I fixed the issue as soon as I could. But Ava refuses to offer a goodwill adjustment something even real lenders who loan money often provide.

Ava claims to help build credit, yet refuses to support customers when their own system fails. I have done my part. I am kindly asking again that they take accountability and remove the late payment as a goodwill adjustment.

Please escalate this matter appropriately. I also request steps to close and remove my Ava account entirely if they can not ensure system reliability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt referenced above. Under my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692c ( c ), I formally request that you provide complete validation of this debt and cease all further communication with me except to comply with this request.

I dispute this debt and am exercising my right to request full validation. Specifically, I am requesting the following documentation : The original signed contract or agreement that created the debt. 


Full account history, including itemized statements of charges, payments, interest, fees, and penalties. 


A copy of the flow agreement or forward flow agreement between the original creditor and your agency, showing the nature of the debt transfer. 


A copy of the bill of sale or transfer/assignment agreement proving legal ownership of the debt and your authority to collect on it. 


A chain of title, including documentation that shows the full transfer history from the original creditor through any subsequent parties. 


Proof that your office is licensed to collect debts in my state ( if applicable ). 


The method and basis you used to verify the accuracy and validity of this debt. 


Until you provide this documentation, you are required to cease all collection efforts, including phone calls, letters, emails, reporting to credit bureaus, or legal threats. 
Be advised that if you continue any collection activity without providing the requested information, you will violate federal law. I will document all such violations and report them to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 
Furthermore, if you are unable to provide all of the requested documentation including but not limited to the original signed contract, flow agreement, bill of sale, and complete chain of title I ask that you immediately delete this account from all consumer credit reporting agencies to which you have reported it. Reporting unverifiable or inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ) and may result in further legal action. 
I further request that you cease all communication with me, in any form, except to provide the documents specifically requested above. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This bank named CitiBank has been charging me for a credit card without having any physical card neither using any amount that they said I owe them, I never had anything from them except the checking account I opened with them in XXXX a branch located in the XXXX XXXX  XXXX XXXX right next to my old apartment and it was a simple checking account. 
therefore, in XXXX I decided to close my account because I was about to move to New Jersey and I did go to the same branch I opened my account before and request for account closure but ever since they kept putting into my credit records that I owe them {$380.00} which is false, because the only physical credit cards that I had with me were a XXXX XXXX XXXXXXXX  and a XXXXXXXX XXXX  and I paid off everything for both of them and I closed their accounts for life as we discussed. 
In conclusion I do not agree with Citi Credit for this balance of {$380.00} used by myself in any time I had my checking account opened with them.

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 2025-07-05 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: Chime Financial Inc
State: AZ

Complaint narrative:
Chime denied my dispute for a {$98.00} charge from XXXX XXXX XXXX Ive never heard of this business and did not authorize this transaction. Chime denied my dispute XXXX without evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: TN

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of unauthorized hard inquiries appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), a hard inquiry may only be made under certain circumstances with the explicit consent of the consumer.

After reviewing my credit report, I have identified inquiries that I did not authorize and for which no permissible purpose exists. These inquiries are damaging my credit profile and were not initiated by me. The presence of these inquiries violates my rights under federal law and constitutes a breach of my privacy.

Under FCRA, no entity may access my credit file without a permissible purpose, and all such access must be verifiable.

Company response to consumer: Closed with explanation