vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/year>, our Chase business checking account was placed on hold without warning or explanation.

Despite multiple attempts to get answersincluding an in-person visit to a local branchwe have not received any clarity as to why the account was flagged. On XX/XX/XXXX, our online login was fully frozen, preventing us from accessing statements, transaction history, or even confirming our balance.

We currently have just over {$11000.00} in the account, and those funds are completely inaccessible to us. Meanwhile, monthly service fees are still being charged, even though we can not use the account.

We are a small business, and this has caused major disruption to our operations. I have escalated the issue by logging a case with the Chase Office of the Executive Case # XXXX but have not received a resolution. 

We are seeking : A written explanation of the account hold Immediate access to our account statements and balance Release of our funds or a clear and timely resolution timeline Reimbursement of any fees charged while the account is frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report 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 2025-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: CO

Complaint narrative:
I financed a XXXX XXXX XXXX through CNAC in XX/XX/XXXX after my previous vehicle ( also financed through CNAC ) was totaled. XXXX paid {$11000.00} toward that total loss, and CNAC placed me into a new vehicle loan almost immediately after. 

Since then, Ive made every monthly payment on time, almost always above the minimum payment of {$470.00} ( including two {$600.00} payments at the start of XXXX once I was in the XXXX ). This being said my loan balance has barely decreased and in some months, it has even gone up!! I came across a couple payment receipts from my payments over the course of this last year and half this week and things look worse the more Im digging into each payment Ive made and the situation they have now put me in. 

I have documentation showing : Payments applied entirely to interest ( {$0.00} toward principal in some months ) My principal balance increasing even when I made more than my required payment Irregular interest charges with no consistent APR breakdown XXXX  or conflicting entries like interest earned but not collected My loan term is 5 years at a 26 % interest rate, but the amortization and account statements make no sense. CNAC staff originally said my larger initial payments would help offset the prior loans rollover balance or down payment, but I see no record of that being honored. I was also told there was NO fee for paying off the loan early dozens of times in both closings. 

The vehicle itself has had ongoing mechanical issues, and Ive replaced the same parts 3,4, and even 5 times due to the vehicle rejecting anything but dealership manufactured parts. Anything connected to a sensor thats not XXXX in that XXXX XXXX throws the same code as the malfunctioning items. 

My credit has also been negatively impacted despite consistent payments, clearing the first loan for the XXXX before signing the second and still my balance barely reflects what Ive paid to date. NOR does it match what Ive calculated has been paid against the principal I am requesting : A full amortization schedule Itemized payment history Explanation of interest allocation Loan payoff and recalculation This experience has been financially and emotionally draining, and I believe this loan may involve unfair or deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
my paypal account was closed for no reason at all i lost XXXXXXXX XXXX in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: PA

Complaint narrative:
This complaint is against XXXX XXXX to whom is in PNC Banks Executive Office. Due to the fact she hasnt returned any of my calls and played these delay games in fixing my account in which was deceptively put in by an XXXX Customer Service Representative at the PNC Bank in XXXX Pa XXXX. Plus theres no record of the supposedly {$1200.00} Plus Dollars that was supposed to be returned to the Checking Account ending in # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-10 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app has been allowing someone else to use a card that I threw away in the garbage a few years ago because I no longer had access to it due to changing my phone number. It turns out someone has been using that card & using my XXXX XXXX account & has been cashing out using that bank account for the past few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and XXXX XXXX that this negative rating has caused me and will continue to cause until it is resolved.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding ongoing issues with the inaccurate reporting of my balance to all three credit bureaus over the past XXXX months. 

Despite disputing these inaccuracies, the credit bureaus have initially updated my balance to the correct amount. However, they subsequently revert it back to an erroneous balance of XXXX XXXX, citing that new information has been submitted by your organization as the reason for the change. This situation has left me feeling quite frustrated and uncertain about how to proceed. 

I have reached out to XXXX XXXX  and spoken with managers who maintain that no inaccurate information is being sent. At this point, I am at my wit 's end and unsure how to direct my lawyer regarding this matter. 

I would appreciate your urgent attention to this issue and any guidance you can provide on how we might resolve it.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding ongoing issues with the inaccurate reporting of my balance to all three credit bureaus over the past XXXX months. 

Despite disputing these inaccuracies, the credit bureaus have initially updated my balance to the correct amount. However, they subsequently revert it back to an erroneous balance of $ XXXX, citing that new information has been submitted by your organization as the reason for the change. This situation has left me feeling quite frustrated and uncertain about how to proceed. 

I have reached out to XXXX XXXX  and spoken with managers who maintain that no inaccurate information is being sent. At this point, I am at my wit 's end and unsure how to direct my lawyer regarding this matter. 

I would appreciate your urgent attention to this issue and any guidance you can provide on how we might resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to express my concern regarding ongoing issues with the inaccurate reporting of my balance to all three credit bureaus over the past XXXX months. 

Despite disputing these inaccuracies, the credit bureaus have initially updated my balance to the correct amount. However, they subsequently revert it back to an erroneous balance of $ XXXX, citing that new information has been submitted by your organization as the reason for the change. This situation has left me feeling quite frustrated and uncertain about how to proceed. 

I have reached out to XXXX XXXX  and spoken with managers who maintain that no inaccurate information is being sent. At this point, I am at my wit 's end and unsure how to direct my lawyer regarding this matter. 

I would appreciate your urgent attention to this issue and any guidance you can provide on how we might resolve it.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
b'As the seller I do not have the loan number. Closing information through my lawyer XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. M&T has caused a prolonged and delayed closing transaction for our home and has disrupted our lives and impacted on our ability to pay off pending bills. We have had at least 3 extensions and now are on the 4th. We are XXXX XXXX who are on a limited income and years ago put our home in a reverse mortgage. Due to the cost of living, we had to sell. M&T has given many excuses why they couldnt process the buyers loan by the intended closing deadline. We rented a place assuming the closing would occur on the promised date and now are paying bills for both residences! As consumers we in good faith accepted M&Ts promise to close on the date given.  Id like M&T to pay ME for all their delay tactics related to the closing like they penalize consumers for early withdrawals on CDs!\nThe promised closing deadlines given by M&T and subsequent delays take more of the badly needed net proceeds out of our pocket. We were to close initially on XXXX XXXX then M&T asked for an extension. Then we were to close on XXXX XXXX, and then again, another extension. Then M&T promised closing by XXXX XXXX  and now another extension. Communications with our lawyer and real estate agent have relayed many reasons and excuses why M&T couldnt process the loan by the intended deadlines At first we were told that M&T lost loan employees and new ones had to be trained,  then they were waiting for a form from the buyers, then again, weeks later, they said again they didnt have all the forms needed {buyer submitted forms in XXXX] and now they are saying they have a new loan  system causing the delay!  We have been waiting over 4 weeks to close and every day that goes by we lose much needed funds due to the reverse mortgage. We rented a place in XXXX thinking we needed to be out of our home by the end of XXXX, so now we are really strapped financially as we need to pay rent plus utilities plus our bills from our former home! The lack of professionalism at M&T bank has taken a heavy toll on us financially and emotionally. The local M&T bank for our area is XXXX XXXX XXXX XXXX MA 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