vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I discovered that a person who is a joint owner with me on one Chase account can access my separate personal Chase accounts and statements, even though they are not authorized on those accounts.

When the joint account holder logs into their Chase online banking and downloads a statement for our joint account, the PDF that Chase generates automatically includes all of my accounts at Chase including my personal checking and savings accounts with full account numbers, balances, and transaction details.

This means Chases system is exposing my private account information to someone who should not have any access to it.

I reported this to Chase by phone. Their representatives acknowledged the problem and told me : 1 ) They can only correct this for future statements, which will take about two months to take effect.

2 ) They are unable to restrict or delete access to past statements, meaning the joint account holder will continue to have access to my prior personal statements indefinitely.

This is a serious violation of privacy and data security. Chases inability to revoke access to previously generated statements is unacceptable and may violate consumer-privacy protections under the Gramm-Leach-Bliley Act ( GLBA ) and related CFPB regulations.

I request the CFPB to investigate Chases statement-generation and data-sharing practices and require them to immediately revoke unauthorized access and confirm remedial actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
b'I am writing to submit a formal complaint against American Express. \n\nAmerican Express \nXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX\n XXXX XXXX XXXX XXXX XXXX; I applied online for the Blue Cash Everyday Card. \n\nApplication No. XXXX XXXX XXXX XXXX  USD\n\nLetter Attached \n\nAmerican Express denied my application, and falsely claims that I have no credit card account on my credit bureaux report. \n\nI do have, however, an open credit card account on my credit report.\n\nI appealed the baseless decision to deny my application and did inform the bank that I do have a credit card account on credit bureaux report. The bank, however,  disregarded my appeal and denied the application. \n\n\nI believe that the bank is biased against me and discriminating against me on the basis of national origin, age, gender, perceived ethnicity,  perceived race, and perceived religion.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: UT

Complaint narrative:
Re : Debt Validation Request To Whom It May Concern, I recently received notice that your company, Synergetic Communication Inc., is attempting to collect a debt allegedly owed by me in the amount of {$9200.00}. The account was opened on XX/XX/year>. I do not recognize this debt and have no knowledge of any account or obligation that would result in such a balance.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally disputing this debt and requesting full validation. Please provide : 1. The name and address of the original creditor ; 2. The full amount of the alleged debt, including an itemized breakdown of all fees and interest and any other charges ; 3. Copies of any contract or agreement bearing my signature showing that I agreed to assume this debt ; 4. Documentation that you are legally authorized to collect this debt, including a copy of your collection agency license ( if applicable ) and documentation of your assignment or purchase of the debt ; and 5. The date of the alleged default and the date of the last payment made on the account.

Until this information is provided, I dispute the validity of this debt, and request that you cease all collection activity and refrain from reporting this alleged debt to any credit bureaus.

If you have already reported this debt to any credit reporting agencies, please inform them that the debt is disputed until such time as it is properly validated.

This letter is sent via certified mail, return receipt requested. I expect your written response to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Verify charge off, based on records incorrect amount, incorrect last day paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: SC

Complaint narrative:
The Fair Credit R

eporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-05 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: MI

Complaint narrative:
I dispute the following accounts reported by Experian. The details provided appear to be inaccurate or incomplete. Please verify the accuracy of this information and remove any unverifiable entries from my credit report. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/year> there was a cash out on my investment from XXXX XXXX. I sold crypto from this company and I received my deposit. It was for the amount of {$20000.00}. I tried to transfer {$4000.00} to a funeral coordinator for my sibling and it rejected. The company by the name of Chime rejected the transfer and closed my account stealing my investments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MO

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-05 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: TX

Complaint narrative:
This disputed record provides an inaccurate portrayal of my financial conduct. Please review and amend my account to ensure 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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Bank errors in billing and reporting have caused multiple inaccuracies that are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are obligated to accurately reflect all payments and credits, yet several of my payments were not properly recorded. There are also clear calculation errors in the reported amounts. Furthermore, I was not provided with the required XXXX notice before a payment was due, which makes any reported late payments invalid. These inaccuracies are in violation of federal law and are unfairly damaging my credit profile.

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 2025-11-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Continued XXXX. Wow,, geese XXXX, WELLS FARGO THAT TRUST ACCOUNT YA IM SURE U CAN DIG THAT UP YET TODAY, SERIOUSLY SHAME ON YOU, OH MY FREEKING XXXX SERIOUSLY, MY MOTHER WAS SO SICK WITH WORRY, YOU BEST BE PULLING YOUR HEAD OUT OF YOUR XXXX REAL SOON ON THIS XXXX RIGHT HERE TODAY. END OF THE LINE. AND ITS WAY. BIGGER THAT I EVER DREAMED POSSIBLE, let me say this Right Here, The Federal IRS has all this Hard Core Information THE HARD CORE TRUE ORIGINAL COPYS MY MOTHER SENT IN TO A SPECIAL DEPARTMENT WITHIN THIS FEDERAL GOVERNMENT, WELLS FARGO Bottom LINE RIGHT HERE MY MOTHER COMPLETED HER DIRECT 403B ROLLOVER WITH THAT LAST MINUTE VERY Expensive PLAN PAYOUT CHANGE THAT COST MY MOTHER WELL OVER {$200.00} A MONTH STARTING Immediately YES INDEED LISTEN UP TRUTHFUL FACTS PREVAIL HOW DARE YOU DO THIS, NO XXXX XXXX AND XXXX XXXX DONT OWN THIS BANK XXXX DREAM ON. BOTTOM LINE IT WAS THAT BANK MANAGER AND THAT TRUSTING BANKER. YES SIR. XXXX LOST ALL ACCESS TO MY mother 's retirement the moment she completed her direct rollover BRAIN '' EOS. COME ON LETS GET WITH THE PROGRAMS PLEASE XXXX XXXXXXXX XXXX XXXXXXXX, the only way XXXX  GAINED ACCESS TO MY MOTHERS IRA WAS THROUGH THIS BANK, ,lol seriously this is the END RIGHT HERE,

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 2025-11-05 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: GA

Complaint narrative:
I am requesting a full reinvestigation of the items listed below for each bureau. These accounts should be corrected or removed if they can not be fully verified in compliance with the Fair Credit Reporting Act ( FCRA ), specifically sections 602A, 611, and 623. 

Charged-Off / Collection Accounts in Dispute : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX  Duplicate listings with differing open dates and balances ; please verify or remove duplicates. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} balance ; should not be listed as charged-off. 

XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance ; verify or delete. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$3600.00} ; verify legitimacy and assignment. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXXXXXX XXXX XXXX XXXX XXXX Multiple listings for same company with inconsistent balances ( {$660.00} and {$980.00} ) ; verify both or remove duplicates. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$920.00} ; verify documentation. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$240.00} ; confirm validity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX$0.00} balance ; appears inaccurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$15000.00} ; confirm details and charge-off status. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$890.00} ; verify billing and closure accuracy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} ; verify accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance ; should not show as negative. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} ; confirm collection authority. 

Inquiries in Dispute : Several inquiries including XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, and XXXX appear repetitive or unauthorized. Please confirm authorization and permissible purpose under FCRA 604, and remove any unverified inquiries. 

Late Payments : XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) and XXXXXXXX XXXX XXXXXXXX loans ( XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX ) show late payments that may not align with actual records. Please verify accuracy or remove derogatory 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 non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
In XXXX I started receiving a notice for collection of a credit card debit that I didn't know about. I responded an disputed the claim and I requested a copy of the original application, all invoices and payments made. 
I got a couple more letters in XXXX and XXXX. I again disputed their claim and requested the same documentation from them. I finally got a copy of XXXX statement dated XX/XX/XXXX. After that a different collection company reach out trying to collect on the same debit. I again in writing disputed the debit and requested the same proof that this debit was owed. After that I'd get a letter from the original company and then the second company. In XX/XX/XXXX, I got a letter from the XXXX company saying that they got a default judgment against me and provided a court case number. I looked up the case number in the county in which I reside and there is not such case number, not to mention I was never served with any such case. I did request a copy of the complaint and have not received it. In my last letter to them I requested that cease and desist in contacting me. Their response was another demand for payment along with what appears to be a copy of the copy on a courts domain web. Again when I looked up the case number it does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
This inaccurate entry misrepresents my financial habits and should be corrected. I respectfully request an update to my records.

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 2025-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: AL

Complaint narrative:
I disputed this private student loan account with the credit bureau because it is being reported as open with a past-due balance of {$400.00} as of XX/XX/year>, even though no verified activity has occurred on the account recently. The account shows a balance updated date of XX/XX/year> and status updated of XX/XX/year>, but I have requested documentation from the creditor to verify these amounts and dates. The credit bureau and EdFinancial have not provided proof that this information is accurate. I am requesting deletion of this account if it can not be verified, as reporting inaccurate or unverifiable information is a violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Navy Federal Credit Union XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) To Whom It May Concern, My name is XXXX XXXX XXXX XXXX XXXX member of Navy Federal Credit Union. I am writing to formally request a second review of my fraud claim submitted on XXXX XXXX, regarding fraudulent transactions totaling {$3800.00} on my debit card ending in XXXX. I received notice on XX/XX/year>, that my claim was denied. Following my release from the hospital on XX/XX/year>, after several serious procedures, I reviewed my account on XX/XX/year>, and discovered multiple unauthorized withdrawals occurring between XX/XX/XXXX and XX/XX/year>. 
Prior to these fraudulent activities, my account balance was approximately {$3800.00}. Afterward, it had been reduced to a negative balance of - {$130.00}. These transactions are not consistent with my normal spending habits. I have never conducted an ATM withdrawal during my entire membership with Navy Federal Credit Union. Furthermore, the fraudulent transactions occurred approximately XXXX hours away from my home in XXXX, XXXX, which is well outside my usual area of activity. When I discovered the missing funds on XX/XX/year>, I immediately attempted to contact Navy Federal Credit Union but was informed that the system was down and that representatives could not assist me. I documented that call. I also attempted to contact law enforcement but was advised to wait due to technical issues delaying report generation. On XX/XX/year>, I was finally able to file a fraud dispute with your department. Under Regulation E ( 12 CFR 1005.11 ), financial institutions are required to conduct a reasonable investigation when a consumer reports an unauthorized electronic fund transfer and to provide provisional credit if the investigation can not be completed within XXXX business days. Based on the timeline and circumstances, I respectfully assert that an error did occur and that the denial of my claim was made without full consideration of the supporting facts and my timely reporting efforts. I respectfully request that Navy Federal re-examine this claim under the protections provided by Regulation E and provide written confirmation of your findings. I am willing to cooperate fully and provide any supporting documentation, including hospital discharge papers, phone call records, and any police report updates once available. Thank you for your time and for protecting the integrity of your members financial security. 

Sincerely, XXXX XXXX XXXX, Navy Federal Credit Union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation