vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) because my personal information was compromised in the XXXX  data breach. As a result, fraudulent accounts and hard inquiries are now appearing on my credit report.

These include, but are not limited to : Personal credit card ( s ) auto loan ( s ) Personal loan account ( s ) One or more collection accounts and multiple hard inquiries I did not authorize I did not open or authorize any of these accounts or inquiries. I have attached my FTC Identity Theft Report as proof.

I am requesting that all fraudulent accounts, collections, and inquiries related to the XXXX  data breach be permanently removed from my credit file within 4 business days in accordance with FCRA 605B

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: LA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I would like to complain about the Chase executive office 's overall mishandling of the vast majority of my cases submitted. Providing no real solutions to most of my problems dating back to XX/XX/2025 and as recently as XX/XX/2025. Closing complaints when the same problems still exist. They have not done an acceptable job at assisting me In any of my issues. The CFPB has lost some of it's funding, yes. But that does not give companies like Chase the ability to dance around their wrongdoings. All of these complaints are being added to an ever growing file. I would, again, love to come to an agreement with Chase and, again, give them the opportunity to repair their relationship with me peacefully. But should they continue to undermine my honest attempts at coming to a peaceful resolution then I will continue to seek Justice for myself. Please refer to my previous complaints and my feedback as a resource to show just how Chase continues to fail its customers on a daily basis. I would like everyone who has been a part of this company 's negligence towards me to be held accountable for its actions that I find to be borderline criminal. The claims department has failed me, the executive office has failed me, and Jp Morgan as a whole has failed me. It is clear to me that Chase either has a copy and paste response system or flat out unashamedly uses AI to handle any and all of complaints directed towards them and enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-07-24 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: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. TRANSUNION XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act, has violated my rights.

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-07-24 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-24 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: Spring Oaks Capital, LLC
State: NV

Complaint narrative:
Reached out to company XX/XX/year>2025 for validation of debt as well as original lender information with no response! Did not give any company permission to share my information!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) because my personal information was compromised in the Equifax data breach. As a result, fraudulent accounts and hard inquiries are now appearing on my credit report.

These include, but are not limited to : Personal credit card ( s ) auto loan ( s ) Personal loan account ( s ) One or more collection accounts and multiple hard inquiries I did not authorize I did not open or authorize any of these accounts or inquiries. I have attached my FTC Identity Theft Report as proof.

I am requesting that all fraudulent accounts, collections, and inquiries related to the Equifax data breach be permanently removed from my credit file within 4 business days in accordance with FCRA 605B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-07-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: WI

Complaint narrative:
I paid my lease buyout off on XX/XX/year>2025. XXXX XXXX XXXX sent me the paper lien release and paper title with their names still listed as lien holder. The state of Wisconsin does NOT take paper lien released. They require XXXX to electronically release the the lien in their system. I made my first call about this on XX/XX/XXXX. At the time, I filed a complaint with HMF and the said someone would call me back in 3 business days. I did not receive a call, text or email but did tell XXXX  that I would like to be contact on all 3 to make certain I received an update. I called back on XX/XX/XXXX, the customer service team escalated my request and said the title department has 3-5 to reply. I waited. I did receive a call from a California number on XX/XX/XXXX, I answered the call but no one was there so I hung up. I called the phone number back immediately and it was XXXX. I spoke to customer service again asking me to connect me to the person who was working the service case, they could not directly connect me and I was told I needed to wait for that person to call me back again, but now they had 3-5 days to call me again. I called back on XX/XX/XXXX, at that time they escalated the call again to a supervisor, who told me that put another request in for their corporate title department to call me back. They said the title dept had 3 days to call me back. I waited.... nothing. I called again today, XX/XX/XXXX and spoke again to the escalation supervisor who AGAIN put in a request to have the lien released electronically... and you guessed it... they have another 3 days to call me back. I'm getting no where with this company. I have asked to speak to someone higher up and they gatekeep all of that and never allow me to go above the escalation desk. I'm driving on an expired plate and have no title until they do their jobs! I paid the lease off on XX/XX/XXXX and it's been almost 7 weeks. I've reached out to XXXX on all social platforms, I did get a reply saying someone from customer service would call me. NO ONE has called. This is an emergency situation. I need the title to be electronically released NOW. This has been the worst and most frustrating experience to the point that I'm ready to file a lawsuit with XXXX. I would appreciate any assistance you can provide to get this matter handled. Thank you very much.

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 2025-07-24 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: NY

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The credit reporting agencies have continued to report inaccurate, incomplete, and unverified information on my consumer report. Despite prior disputes and multiple written notices, they failed to conduct a meaningful investigation. Instead, they sent generic responses claiming the data was verified without providing any actual method of verification or confirming that they contacted the data furnisher directly. 

I took all proper steps to notify them, including submitting disputes in writing with detailed evidence. They ignored my documentation, failed to remove the false data, and rubber-stamped the accounts as accurate without lifting a finger to validate anything. This is a complete failure on their part to perform their duty to maintain accurate consumer data. 

This has caused direct and ongoing harm to my financial standing, including denials for credit, higher interest rates, and reputational damage. I demand immediate deletion of the inaccurate information and a full re-investigation. If they cant prove it with actual evidence from the furnisher, the item needs to be permanently removedno more delays, no more excuses.

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 2025-07-24 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:
This account was charged off over a year ago, but the furnisher is still reporting a new charge-off status every single month. Thats a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 5 ). Re-aging derogatory data like this falsely extends the damage to my credit score. It also violates 15 U.S.C. 1681i and 1681s-2 for furnishing knowingly inaccurate data. I have provided screenshots of this illegal repeated charge-off reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Sir or Madam, I am writing to file a formal complaint against [ Creditor Name, e.g., Capital One Bank ] regarding their failure to provide any form of assistance or resolution in response to my request for financial hardship. 

Due to a recent hardship job loss, reduced income. I contacted the creditor in good faith to request assistance with my outstanding credit card balance Account ending in last # XXXX Despite repeated attempts, including calls and written communication dates on XX/XX/2025 and last date was XX/XX//2025. The creditor refused to offer any form of support, such as : Payment deferral Temporary payment reduction Interest rate relief Settlement of balance Fee waivers They have continued to charge high interest and fees, further increasing my debt beyond my ability to pay, even though I expressed a willingness to resolve the account under fair terms. 

I respectfully request that your office investigate this matter and encourage the creditor to provide reasonable accommodation or relief under financial hardship, in alignment with fair lending and consumer protection guidelines. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
PayPal permanently limited my account and froze around or near {$16000.00} citing acceptable use violations related to intellectual property yet never disclosed specific violations, who the infringed party was, or how they calculated any liability. Its been over 3 years and I have not received the funds despite no legal action being taken against me. I am requesting a full release of the held balance. This happened on XX/XX/scrub> 2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I am XXXX. I have had a checking account with Chase for more than a decade, ever since they took over Washington Mutual and all of XXXX 's accounts. Because it originated with XXXX, it is an " old '' account according to them. But there has never been a problem of any kind with the account. When I went in a few days ago to add my spouse as a signer they told me they had to close the account -- and I had to open a new one -- because the account was " old '' and no longer fit within their system. I have opened a new checking account with Chase. The problem is that they will not keep the old account viable ( on a " restricted '' basis ) to receive automatic deposits that can be transferred to my new account past XX/XX/XXXX. This deadline is for no reason at all -- there are no problems, no fraud -- I've never had an overdraft. JUST because it's an " old '' account. I have automatic deposits made into that account from social security, my XXXX, and a XXXX  from the XXXX XXXX XXXX requires that you leave the old account open for 60 days to make the transition to the new account. I can only communicate with my XXXX XXXX  by mail. None of the transitions will happen before XX/XX/XXXX, which means the bank is handing me a big XXXX mess on a platter -- possibly months without access to my funds. Again, this is their doing, not mine. If my account was too " old '' surely they should have notified me with ample time for me to transition to a new one and sprung it on me when I sought to add a signer. If I had not sought a change, the account would have continued -- they acknowledge this -- which seems to say there is no reason they can't leave it open on a restricted basis until the transition is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One closed my credit card account on XX/XX/XXXX without any advance notice, written explanation, or opportunity to resolve the matterdespite there being no fraud or misuse on my part. 
The only incident involved a payment attempt from a bank account that had a negative balance on XX/XX/XXXX. This did not result in any fraud, nor was it due to an unwillingness to pay. I was never notified of this issue before the card was closed. I discovered the closure only after attempting to use the card and being denied. 

When I contacted Capital One, they confirmed they had closed the account internally and claimed they were unable to reinstate it. They also claimed they were not required to notify me beforehand. This is troubling, especially since the payment issue could have easily been resolved had I been given notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items.

Company response to consumer: Closed with non-monetary relief