vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
What happened : On XX/XX/year>, I legally deposited a check into my Chase account using Chase Mobile Deposit. The deposit was accepted, processed, and the funds were made available to me. Over a month later, Chase debited {$890.00} from my account, claiming the funds were withdrawn at XXXX XXXX XXXX XXXX  without identification and therefore being reclaimed. 

This left my account with a negative balance of {$890.00}. I deposited the check in good faith, complied with Chases mobile deposit requirements, and had every reason to believe the deposit was valid and final. 

Chase is unfairly shifting the burden of another banks security failure onto me, their customer, even though I fulfilled all requirements. I have contacted Chase Executive Office by email and phone, but I have not received a proper update or resolution.

Why this is unfair/unlawful : Under Regulation CC and the Uniform Commercial Code ( UCC ), customers who deposit checks in good faith are protected against these types of losses. 
Chase accepted the deposit, released the funds, and should bear the risk of recovery between banks, not me. 

Resolution I am seeking : I request that Chase immediately restore the {$890.00} to my account and correct the negative balance, as I am not responsible for another banks security issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c2 ) that you, the 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  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$38000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: LEXISNEXIS
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c2 ) that you, the 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  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$38000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: KY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc.
State: NC

Complaint narrative:
On XX/XX/year> I got a message from my step mom saying that a debt collection agency had called her a few times about me. She asked them how they had her number and she was told that it was attached to the account as a contact. I know this isnt true because I have never put her as a contact on anything financial and we arent on the same phone plan either. I knew the loan was defaulted a few weeks prior and was told by the original creditor that I would hear soon and I hadnt received any information about the new creditor until I called on XX/XX/XXXX. When I spoke to them I spent 15 minutes arguing with the person because he kept telling me to ask my parents to cover my loans and was looking at my dads credit card that Im listed as a user on and he said it has enough to cover the settlement amount on it. I eventually got him to stop asking about my family and we discussed 3 potential option for repayment. 1 being a settlement of {$25000.00}. 2 being a {$6000.00} downpayment and a $ 400 monthly payment until remainder of amount owed is paid pack and then a potential 3rd of paying the arrears of the original debt and then continuing with the previous or similar payment. They had all my contact information including email before hand. I made sure to ask. And I requested that I have the 3 options we talked about in writing sent to me. I received an email with only the settlement of 25k listed as an option. I wasnt aware of what I needed to validate the debt is still mine at the time of the call and I am putting this complaint in to help figure out. I did not appreciate them calling my family members before contacting me, the only goal of the call being to have me borrow a little money from my family, or being told 3 options of repayment and only receiving written proof of 1 and then them not responding to emails about the other 2 options discussed.

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 2025-10-06 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: FL

Complaint narrative:
Equifax is reporting inaccuracies in violation of FCRA 607 ( b ). Under 611 ( a ) ( 1 ) ( A ) and Cushman, conduct an independent reinvestigation and correct/delete per 611 ( a ) ( 5 ) ( A ). Codes are not proof. I dispute all late months you have coded ( including any was past due or internal derogatory flags ) and demand running statements/ledger proving due date, receipt, and posting for each disputed month.

A. File-Level 1. Totals inconsistent versus other bureaus o Quoted : Balances {$89000.00} vs XXXX {$89000.00} ; Payments {$3200.00} vs {$3300.00}.

o Remedy : Identify/correct the underlying tradeline ( s ).

B. Tradelines / Reporting Defects XXXX. XXXX XXXX XXXX  ( Acct XXXX ) {$0.00} vs {$180.00} balance conflict o Quoted : XXXX XXXX {$0.00} ( LR XX/XX/XXXX ; XXXX  XX/XX/XXXX ) while XXXX show {$180.00} as of XX/XX/XXXX. 
XXXX XXXX XXXX : XXXX XXXX ( XXXX ) + date chronology consistency ; XXXX  ( XXXX ) all OK. 
o Disputed late months : All ( if any exist in your system, produce ledgers ).

o Remedy : Verify with statements and harmonize ; delete if unverifiable. 
XXXX. XXXX  ( Acct XXXX ) Payment chronology mismatch o Quoted : XXXX XXXX XX/XX/XXXX vs XXXX XX/XX/XXXX. 
o Remedy : Provide ledger showing the exact posting date ; correct or delete. 
XXXX XXXX XXXX ( Acct XXXX ) Invalid Indeterminate status o Quoted : Account Status : Indeterminate ; Payment Status : Pays as agreed ; XXXX XX/XX/XXXX ; LR XX/XX/XXXX XXXX 
XXXX XXXX XXXX : Account Status ( 17A ) must be a valid code ( e.g., 11 for current ). Indeterminate is non-compliant.

o Remedy : Correct to a valid status with consistent dates or delete. 
XXXX. XXXX XXXX Duplicative closed/transfer remnants o Quoted : Multiple closed {$0.00} entries ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) with Account closed due to transfer. 
o Law/Metro 2 : Prevent duplicative active display ; Special Comment ( 39 ) should uniformly reflect transfer.

o Remedy : Suppress duplicates ; retain only accurate, non-duplicative transfer history.

6. Scheduled Monthly Payment fielding inconsistencies ( revolvers ) o Quoted : Some open revolving accounts list {$0.00} scheduled payment while others list a dollar value.

o Metro 2 : Scheduled Monthly Payment ( 22 ) should be furnished consistently per furnisher policy.

o Remedy : Standardize or remove conflicting values.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: CT

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: MN

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 

INQUIRIES : XXXX 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 explanation
Consumer complaint received 2025-10-06 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: NC

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

1681c2 ) that you, the Experian 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  - Account Number : XXXX, Date Opened : XXXX, Balance : {$5400.00} 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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to voice my alarm regarding Zelle 's failure to protect consumers, as highlighted by the recent CFPB lawsuit. My personal experience mirrors these systemic issuesafter reporting a loss, I was met with a blanket refusal to investigate or attempt to recover my funds. The CFPB 's evidence that Zelle permits repeat offenders to exploit the system confirms my fears : the platform lacks the basic safeguards and transparency required for a trusted financial service. This negligence creates an unacceptable level of risk for every user.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Subject : Urgent Request for restoration of restricted accounts and review of unjust action To Whom It May Concern, I am writing to formally express my deep concern regarding a sudden restriction placed on all of my accounts with Navy Federal Credit Union, including my checking account, savings account and credit card account. This action was taken after a family friend supposedly flagged a transaction as fraudulent. I have contacted the individuals bank directly, they confirmed no fraud report was submitted. There was no wrong doing on my part, I have been given no due process or the right to appeal. I have not been accused of violating any terms or committed any fraud. I spoke with a representative on XX/XX/year> and she told me I have been denied the right to appeal and she could not provide me with any additional information. 
This violates my rights under The Electronic Fund Transfer Act ( EFTA, 15 U.S.C. 1693 ) which requires financial institutions to conduct a timely investigation and provide written results when a consumer disputes or is impacted by account limitations.

Regulation E ( 12 CFR 1005.11 ) which mandates that written notice be provided explaining findings of any investigation and the consumers rights.

The Consumer Financial Protection Act ( Dod d-Frank Title X ) which prohibits unfair, deceptive and abusive acts or practices ( UDAAPs ) Navy Federals action to restrict my accounts without proof with refusal and denial of my right to appeal and failure to offer a resolution in a fair timeline may constitute such an unfair act.

I am currently unable to access any of my accounts in addition to y credit card account. I am unable to send or receive money via XXXX which is a vital tool. I have received no formal notice or explanation nor a resolution plan. 
This lack of transparency is harmful. 
I am requesting restoration of my restricted accounts Documentation and proof of fraud reported to Navy Federal and by the person that submitted this report against me A clear resolution and reinstatement Regulatory investigation into Navy Federals EFTA, Regulation E and UDAAP standard. Please investigate this matter and take appropriate action. 
I will be happy to provide any call logs, names and or any supporting documentation upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: MI

Complaint narrative:
Took the loan out in spring XXXX  and was XXXX in XXXX  and never finished school. It should have went into XXXX. Or at the least taken off my record in the 7 year mark like everyone elses.

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Early Warning Services , LLC Attn : Customer Service XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Complaint Regarding Unjust Deactivation of My Zelle Account To Whom It May Concern, I am writing to formally dispute the deactivation of my Zelle account associated with telephone number XXXX and email XXXX. This action was taken without any prior notification, evidence, or explanation of wrongdoing on my part. I categorically deny any fraudulent or improper conduct. Despite having been accused implicitly of such misconduct, no proof has been presented, nor have I been given an opportunity to respond or appeal this decision. This unilateral account suspension is unjust, causes me substantial inconvenience, and restricts my ability to access critical financial services. Under federal consumer protection laws, including the Electronic Fund Transfer Act ( EFTA, 15 U.S.C. 1693 et seq. ), consumers are entitled to clear disclosures and protections when electronic funds transfers or related services are involved. Additionally, the Fair Credit Reporting Act ( FCRA ) requires that adverse actions based on information impacting a consumers financial standing must be substantiated and that consumers are entitled to a description of the reasons for such actions. Furthermore, the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) provisions enforced by the Consumer Financial Protection Bureau ( CFPB ) prohibit financial service providers from engaging in unfair or abusive practices that harm consumers. Given these protections, I request that Early Warning Services LLC : 1. Immediately restore full access to my Zelle account linked to my phone number and email.

2. Offer an opportunity for me to challenge any claims or allegations and present supporting information 3. Confirm that no negative reports or adverse information related to this incident have been or will be communicated to credit reporting agencies or other third parties.

I trust that Early Warning Services LLC will act in good faith and promptly address this matter to avoid further escalation. Failure to restore access or provide a satisfactory resolution may leave me no option but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau and relevant state regulatory authorities. 
Please respond in writing within 14 days of receipt of this letter. I look forward to your timely cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with their platform. Despite using Chime a XXXX times and reporting discrepancies, Chime has failed to investigate my claims thoroughly. The CFPBs findings indicate that Chime has not only neglected to protect consumers but have also allied repeated offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation