vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I received an unexpected and vague email from Chase Bank notifying me that my accounts had been restricted. Prior to this, my original checking account had been compromised, and in response, I proactively opened a new checking account online to secure my finances and avoid further risk associated with the compromised account. 

Without clear explanation, Chase restricted access to both accounts, including the new one I had just opened. When I called customer service for clarification, I was informed that Chase had made a business decision to close both checking accounts. This appears to be retaliatory and completely unjustified, especially considering my attempt to protect my own financial security. 

I am retired and my sole source of income is a direct deposit scheduled to arrive on XX/XX/year>. With these accounts closed, I will have no access to essential funds. This situation places me in imminent danger of being unable to pay for housing and basic needs. 

Chase has failed to provide specific reasons or a fair resolution process. I believe their actions are both punitive and harmful, and I urgently request the CFPB to investigate this matter and help ensure I regain access to my funds without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
I am writing to dispute the inclusion of several fraudulent accounts listed on my credit report. I never applied for or opened these accounts, nor did I authorize any third party to do so on my behalf. Their existence indicates that I may have been a victim of identity theft or erroneous reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute XXXX regarding inaccurate information being reported on my consumer credit report by Equifax, XXXX, and XXXX  for XXXX XXXX  XXXX ( XXXX ) . I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: MD

Complaint narrative:
This is a formal follow-up dispute regarding the continued and inaccurate reporting of the following account on my credit file : Creditor : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  I must emphasize that I have repeatedly disputed this item because it remains unverified and inaccurate. It is imperative to reiterate that I do not accept this account as verified. My continued efforts to dispute this account are a clear indication that it has not undergone a proper investigation as required under the Fair Credit Reporting Act ( 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 2025-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I entered into a forbearance program that began XX/XX/2025. 

I contacted XXXX as they offered programs to help people who are financially struggling. We were facing a loss of income and it was becoming increasingly difficult to keep up, so I contacted them. 

I was excited to find out that we qualified and was assured that there was no risk to my credit and that they would adjust my monthly amount. I was told that at the end of the program, XXXX would work with me to either find a way to repay the amount of to modify the loan if my financial situation got better. I was also told that I would not be able to pay online and would need to call and submit payments via phone during this time. 

I was in fact able to pay online, which I did on time every month. 

In XXXX, I logged in to pay the first payment to my mortgage following the forebearance program. The website did not allow me to make a payment and instead provided a notice that I needed to contact PennyMac.

I did so and was told that my account was delinquent, that I'd been reported to the credit bureau and that I owned over {$20000.00} to make my account current.

It took speaking to 4 people before I was able to speak to someone who had any level of empathy and who was able to work with me and explain that we could enter into a modfication. They explained everything and stated that we can apply, but I have to accept one approved -- and that there is not risk in applying. Fair enough.

After the initial calls, my wife and I found the resources to pay the amount that PennyMac was asking for. I called back and once again found no help on their telephone numbers- just call centers with people unwilling to help who had no ability to do anything except defer me. 

I saw my credit score plunge XXXX points due to this- which destroys our ability to sell and downsize next summer, which is our plan -- we will now have a very difficult time securing a loan. 

I have asked for PennyMac to make this right and to acknowledge that they made no attempt to contact or inform us about what would happen. Their website showed no information or warnings, no letters were sent and no phone calls were made. 

Had we been contacted, we would have done what was necessary to make things right. Instead, we are struggling to be able to speak to anyone who will even take the payment now that we have agreed to apply for a modification -- and no one who is willing to take any responsibility for the lack of communication and work with us for getting the irresponsible reporting reversed. To be clear, we were reported without any warnings, any notices, or having been given any opportunity to work with them. 

This is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: SC

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: KS

Complaint narrative:
Social security said it's up to XXXX XXXX on when they want to pay me. XXXX XXXX locked my card said that I would get another one on XX/XX/XXXX I got nothing the they said I would get it on XX/XX/XXXX and nothing. I have been talking to social security they can't understand why XXXX XXXX is holding my pay. I have not received anything in XXXX or XXXX and we are heading for XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-26 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: NY

Complaint narrative:
My loan applications are being denied due to incorrect information on my credit report. Despite meeting all my financial obligations, these inaccuracies are unfairly damaging my creditworthiness and have caused ongoing frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I accepted a promotional offer of a new credit card with a normal 2 % cashback that was offering 10 % cashback for the first 60 days. As you can imagine, I used the card for everything I was planning to buy during that time period, including lots of stuff that I have other cards offering 5 % cashback for. Because as we all know, 10 % is much better than 5 %. Looking through my first months of statements and rewards, I was only seeing about 2 weeks of the 10 % cashback, and it wasn't even a round amount of days. Very arbitrary. I contacted them via the account messaging function and was told someone would get back to me within a month. I contacted them again after never hearing back and was told I would be receiving a letter within a month with information. Still nothing. At this point it's been like 9 months? More? Never gotten any response that isn't a generic Sorry for any inconvenience and no actual information.

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 2025-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Subject : Demand for Immediate Deletion of Unauthorized Hard Inquiries Pursuant to 15 U.S.C. 6802 and 15 U.S.C. 1681 To Whom It May Concern, In accordance with 15 U.S.C. 6802 ( Privacy of Consumer Financial Information ) 15 USC 1692 and 15 U.S.C. 1681 ( Fair Credit Reporting Act ), FCRA ) 15 USC 1681i ( A ) 1 a requires consumer reporting agencies to notify consumers within five business days of adding negative information to their credit reports. I did not authorize these inquiries, nor did I provide written consent for any party to access my credit file. Reporting unauthorized inquiries is a violation of my consumer rights, and retaining them on my report is unacceptable.You are hereby instructed to remove all of the above hard inquiries immediately. Once the deletions have been completed, send me a current and corrected copy of my credit report reflecting these changes. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> 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 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I reported an unauthorized transaction of {$200.00} on my debit card. However, I have never used this debit card for online or in-person purchases, ATM withdrawals, or any transactions other than wire or ACH transfers. The charge in question occurred in a different state than where I reside, and I had no involvement in it. Despite the clearly unauthorized nature of this transaction, my claim was denied without any meaningful explanation or evidence supporting the decision. Furthermore, the banks handling of this matter has been deeply concerning. I have made multiple calls in an attempt to resolve this issue, only to be repeatedly redirected or left without follow-up. The representatives Ive spoken with have been unable to provide clear answers or effective assistance. This response fails to align with the banks stated zero liability fraud protection policy, which is meant to protect customers from unauthorized charges. I am therefore requesting an immediate and thorough reinvestigation of this dispute. I also request a written explanation detailing the basis of the denial, including any evidence the bank relied upon in reaching this conclusion. Please treat this matter as urgent.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I am disputing an inaccurate redeemed or reinstated repossession remark reported on my GM Financial account by XXXX, XXXX, and XXXX. This remark has been on my credit reports for over two years and is false because there was never a sale or auction of my vehicle. I still have the car and am actively making payments while exercising my right to the loan. 

I have submitted multiple disputes and requests for verification to GM Financial and all three credit bureaus under the Fair Credit Reporting Act. However, none have provided proper documentation to support this remark, and the credit bureaus continue to report this inaccurate information based solely on GM Financials unverifiable claims. 

This incorrect reporting has caused a severe and unfair drop in my credit scores. I request the CFPB investigate GM Financial and the credit bureaus and require removal or correction of this inaccurate remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Subject : Formal FCRA Dispute Escalation Improper Reinvestigation, Method of Verification Demand, and Continued Reporting of Inaccurate/Fraudulent Items ________________________________________ Summary of the Issue : I am filing this complaint to escalate an ongoing Fair Credit Reporting Act ( FCRA ) dispute involving all three major credit reporting agenciesEquifax, TransUnion, and Experian. Despite submitting multiple disputes and supporting documents, these agencies have : 1. Failed to conduct a reasonable reinvestigation of disputed information.

2. Failed to provide a legally required Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ), 15 U.S.C. 1681i ( a ) ( 7 ).

3. Continued to report fraudulent and inaccurate personal and account information, despite valid proof of identity theft.

________________________________________ Details of the Dispute : I submitted formal disputes to Equifax, TransUnion, and Experian on the following dates : o XX/XX/year> o XX/XX/year> o XX/XX/year> o XX/XX/year> I received template responses on XX/XX/year>, XX/XX/year>, and XX/XX/year> that failed to provide specific MOV details. 
I provided the agencies with : o FTC Identity Theft Report o Police report ( case number withheld for privacy ) o Proof of identity and address Despite this, the agencies did not block fraudulent information as required under FCRA 605B ( 15 U.S.C. 1681c-2 ).

The bankruptcy and multiple unauthorized accounts remain on my report.

My personal information, including name variations, outdated addresses, and phone numbers, has not been properly updated or removed.

________________________________________ FCRA Violations : 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation.

611 ( a ) ( 7 ) Failure to provide Method of Verification.

607 ( b ) Failure to ensure maximum possible accuracy.

605B Failure to block fraudulent information upon valid request.

1681s-2 Furnishers failed to report accurate information.

1681b ( g ) Failure to safeguard consumer data.

________________________________________

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 2025-06-25 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: GA

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Subject : Formal FCRA Dispute Escalation Improper Reinvestigation, Method of Verification Demand, and Continued Reporting of Inaccurate/Fraudulent Items ________________________________________ Summary of the Issue : I am filing this complaint to escalate an ongoing Fair Credit Reporting Act ( FCRA ) dispute involving all three major credit reporting agenciesEquifax, TransUnion, and Experian. Despite submitting multiple disputes and supporting documents, these agencies have : 1. Failed to conduct a reasonable reinvestigation of disputed information.

2. Failed to provide a legally required Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ), 15 U.S.C. 1681i ( a ) ( 7 ).

3. Continued to report fraudulent and inaccurate personal and account information, despite valid proof of identity theft.

________________________________________ Details of the Dispute : I submitted formal disputes to Equifax, TransUnion, and Experian on the following dates : o XX/XX/year> o XX/XX/year> o XX/XX/year> o XX/XX/year> I received template responses on XX/XX/year>, XX/XX/year>, and XX/XX/year> that failed to provide specific MOV details. 
I provided the agencies with : o FTC Identity Theft Report o Police report ( case number withheld for privacy ) o Proof of identity and address Despite this, the agencies did not block fraudulent information as required under FCRA 605B ( 15 U.S.C. 1681c-2 ).

The bankruptcy and multiple unauthorized accounts remain on my report.

My personal information, including name variations, outdated addresses, and phone numbers, has not been properly updated or removed.

________________________________________ FCRA Violations : 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation.

611 ( a ) ( 7 ) Failure to provide Method of Verification.

607 ( b ) Failure to ensure maximum possible accuracy.

605B Failure to block fraudulent information upon valid request.

1681s-2 Furnishers failed to report accurate information.

1681b ( g ) Failure to safeguard consumer data.

________________________________________

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 2025-06-25 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: GA

Complaint narrative:
I am writing regarding unauthorized inquiries on my Equifax credit report. 
My personal data was breached by the XXXX XXXX XXXX. This breach may have contributed to the unauthorized inquiries on my credit report. 

Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I formally request that Equifax block this fraudulent information from my credit report. These inquiries were not authorized by me, and as such, they are inaccurate and must be removed. Additionally, Equifax is required under the FCRA to notify all furnishers of this information and ensure that these inquiries are blocked from my credit report. 

Here is a list of the fraudulent inquiries that must be deleted immediately : Equifax - XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX Experian - XXXX XXXX  XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX  XXXX : XX/XX/XXXX - XXXX XXXX  XXXX : XX/XX/XXXX Transunion - XXXX XXXX XXXX  : XX/XX/XXXX - XXXX XXXX  : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX  : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX  : XX/XX/XXXX To comply with Section 605B of the FCRA, please take the following actions immediately : XXXXBlock the fraudulent inquiries listed above from my credit report. 
XXXXSend notifications to all furnishers of this information, informing them that these inquiries resulted from identity theft and must be blocked. 
XXXXProvide written confirmation that these inquiries have been deleted and that all necessary steps have been taken to resolve this matter. 

I am including a copy of my government-issued ID, social security card, US passport XXXX proof of address, and the FTC Identity Theft Report so you may verify my identity and process this dispute. 

Thank you for your prompt attention to this matter. I look forward to your timely response confirming the deletion of these fraudulent inquiries from my credit report. 

Sincerely, 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