vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CFPB / Bank Reconsideration Complaint Letter Amount : {$480.00} Payment Method : Debit Card Merchant : XXXX XXXX XXXX Order XXXX XXXX XXXXXXXX Dear Sir or Madam, I am submitting this complaint to request regulatory assistance and bank reconsideration regarding a debit card dispute that was improperly reversed due to misleading information provided by the merchant, XXXX XXXXXXXX XXXX XXXX 

On XX/XX/XXXX, I purchased a XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) phone from XXXX for {$480.00} using my debit card. I received the item on XX/XX/XXXX. During the first charging attempt, the charging port burned and became visibly scorched, rendering the phone unusable and presenting a safety hazard. 

I immediately returned the defective phone following XXXX instructions via an XXXX XXXX XXXX location. 
Tracking XXXX XXXX XXXXXXXX Carrier tracking confirms the return was received by XXXX on XX/XX/XXXX. 

After XXXX failed to issue a refund, I filed a debit card dispute with my bank on XX/XX/XXXX, providing documentation of the defect and proof of return. The bank initially credited my account. However, XXXX later reversed the dispute by representing the transaction as delivered, while failing to disclose that the merchandise had already been returned and received. This omission materially misrepresented the transaction status. 

At XXXX request, I later removed the dispute in good faith to allow them to process the refund. Despite full compliance, XXXX has still not refunded the {$480.00} and has provided no reasonable explanation. XXXX currently retains both the returned merchandise and my funds. 

I respectfully request : 1. Reconsideration and reinstatement of the debit card credit ; 2. Review of the merchants misrepresentation and incomplete disclosure during the dispute process ; 3. Appropriate corrective action to ensure compliance with debit card consumer protection standards. 

All supporting documentation, including order details, return tracking confirmation, and communications, is available upon request. 

Thank you for your assistance. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
XXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXate of Birth : XX/XX/XXXX SSN XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Unauthorized Hard Inquiry Dispute To Whom It May Concern, I am writing to formally dispute unauthorized hard inquiries that appear on my TransUnion consumer credit report. I did not authorize, nor did I have knowledge of, the following inquiries, and I am requesting their immediate investigation and removal pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

The inquiries being disputed are listed below : XXXX Bank Type : Hard Inquiry Date Reported : XX/XX/XXXX XXXX Bank Type : Hard Inquiry Date Reported : XX/XX/XXXX I have no contractual relationship, application, or written authorization permitting these entities to access my consumer credit file. Under the FCRA, credit inquiries must be made only with a consumers permissible purpose, which does not exist in these cases.Please conduct a full investigation and remove these inquiries immediately XXXX XXXX AND XXXX if the creditors can not provide verifiable proof of authorization. I am requesting written confirmation once the investigation is completed.Enclosed are copies of my government-issued identification and proof of address to verify my identity.Thank you for your prompt attention to this matter.Sincerely, 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 2025-12-15 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: TN

Complaint narrative:
On XX/XX/year>, I submitted a dispute through Equifaxs official online dispute portal regarding a false and invalid XXXX XXXX collection account appearing on my credit report. Equifax accepted the dispute, issued confirmation numbers, and displayed the dispute as active. At the time of submission, Equifax did not indicate any identity verification deficiency or missing documentation. 

Nearly XXXX month later, Equifax issued an identity verification request dated XX/XX/year>, which was not delivered until XX/XX/year>, close to the end of the statutory reinvestigation period. This delayed request occurred after the dispute had already been accepted and appears to be an attempt to pause, reset, or extend XXXX statutory obligations under the Fair Credit Reporting Act. 

The XXXX XXXX collection being reported is factually impossible and unsupported by evidence. XXXX representatives confirmed in recorded calls that : Port-in was never completed, XXXX were never activated, and No billing cycle ever commenced. 

Without activation or service, no lawful debt can exist. XXXX also issued written email confirmations stating that device payment agreements, promotional plans, and trade-in submissions were canceled due to a lack of active service. In addition, bank records reflect sales return transactions, which only occur after devices are physically returned and accepted. 

If service had occurred, XXXX would be able to produce activation records, usage data, IMEI history, or service invoices. No such records have ever been produced. The collection account is therefore unverifiable and inaccurate. 

By continuing to report this collection without competent verification and by delaying the reinvestigation process through a late identity verification request, Equifax failed to ensure maximum possible accuracy and failed to conduct a timely and good-faith reinvestigation as required by law. This inaccurate reporting caused a significant drop in my credit score and has interfered with a pending housing application. 

I am requesting that Equifax be required to complete the reinvestigation without resetting statutory timelines, require XXXX XXXX to produce competent proof of service or delete the account if such proof can not be produced, and provide written results of the reinvestigation as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-12-15 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: GA

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 explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
My husband was in jail, and someone called me stating that I needed to pay for a " pre-trial ankle monitor '' and them he would be released. This was at XXXX on XX/XX/year>. 

Long story short, I was scammed. There was no such thing. My husband was getting released on a PR bond. 

On XX/XX/XXXX, within about an hour and half of the incident, I reported the transaction as fraud. I made a police report. I haven't heard anything from CashApp. I paid the scammer {$250.00}. That was the last of my money. It was supposed to be the money that I used to go get my son for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This situation has completely turned my life XXXX down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, XXXX met with silence or excuses. XXXX not just a number XXXX a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future. 

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now XXXX being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like XXXX being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

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 2025-12-15 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: FL

Complaint narrative:
Company is incorrectly showing Late Status on XX/XX/year> and XX/XX/year>. The account is in forbearance due to Natural Disaster XXXX XXXXXXXX ( XXXX XXXX XXXX ). Please see letter provided by the Mortgage Company handling the loan reflecting the account is in temporary forbearance. Please remove incorrect information immediately.

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 2025-12-15 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: FL

Complaint narrative:
Company is incorrectly showing Late Status on XX/XX/year> and XX/XX/year>. The account is in forbearance due to Natural Disaster XX/XX/XXXX ( XXXX XXXX XXXX ). Please see letter provided by the Mortgage Company handling the loan reflecting the account is in temporary forbearance. Please remove incorrect information immediately.

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 2025-12-15 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: FL

Complaint narrative:
Company is incorrectly showing Late Status on XX/XX/year> and XX/XX/year>. The account is in forbearance due to Natural DisasterXX/XX/XXXXXXXX ( XXXX XXXX XXXX ). Please see letter provided by the Mortgage Company handling the loan reflecting the account is in temporary forbearance. Please remove incorrect information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally demand the removal of all remarks on my credit report, including any consumer statements or comments. I am no longer disputing any accounts, and I believe that these remarks are violating my rights under the Fair Credit Reporting Act ( FCRA ).

Pursuant to the FCRA, I have the right to request that you remove inaccurate or misleading information from my credit report, and since these remarks are no longer relevant to my current credit standing, they must be removed immediately.

This is not a dispute ; it is a legal demand for the removal of these remarks from my credit file. I request that you complete this removal and provide me with confirmation within 48 hours of this request.

Failure to comply with this demand may result in further action.

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 2025-12-15 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: AZ

Complaint narrative:
I am submitting this complaint as a consumer who is actively trying to fix and maintain accurate credit reporting. After carefully reviewing my Equifax credit report, I have identified multiple charged-off accounts that are being reported inaccurately, inconsistently, or without proper verification, as well as concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ). 

The following accounts are in dispute on my Equifax report : XXXX XXXX XXXX Acct # XXXX ( Opened XX/XX/XXXX, Balance {$1000.00} ) XXXX XXXX XXXX Acct # XXXX ( Opened XX/XX/XXXX, Balance {$1200.00} ) XXXX XXXX XXXX Acct # XXXX ( Opened XX/XX/XXXX, Balance {$350.00} ) ABSOLUTE RESOLUTIONS INVESTMENTS Acct # XXXX ( Opened XX/XX/XXXX, Balance {$2200.00} ) XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) Acct # XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX BANK XXXX XXXX XXXX CARD ) Acct # XXXX ( Opened XX/XX/XXXX, Balance {$93.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint regarding discriminatory, obstructive, and prejudicial conduct by Wells Fargo branch management that prevented the opening of a trust account that had already been approved by Wells Fargos XXXX Department. 

Despite a XXXX banking relationship, Wells Fargo branch staff refused to complete the account opening, withheld approved trust documents, made prejudicial statements about my trust structure, and engaged in public intimidation, including threats to close my account for declining to immediately sign a federal tax form without consulting my accountant. 

This conduct caused loss of work time, humiliation, business disruption, and denial of approved banking services. Branch management acted contrary to internal approvals and refused to facilitate resolution.

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 2025-12-15 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: MA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/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 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/year>, I initiated a money transfer through XXXX ( a PayPal service ) to a recipient 's bank account. 
During entry, I accidentally typed an incorrect bank account number. However, the recipient name I provided did not match the incorrect account number I entered. 
Despite this mismatch between the name and account number, XXXX processed and completed the transfer on the same day ( XX/XX/year> ) without any verification, warning, or request for confirmation. As a result, the full amount was deposited into a completely wrong bank account that does not belong to the intended recipient. 
Transfer amount : XXXX XXXX XXXX  Transaction date : XX/XX/year> XXXX transaction/reference number : XXXX Starting on XX/XX/year> ( the same day as the transaction ), I immediately contacted XXXX XXXX  XXXX via email and chat to report the error and request assistance in recovering or refunding the funds. 
Since XX/XX/year>, I have sent multiple follow-up messages explaining the issue, providing proof of the correct recipient details I entered, and asking for a resolution or update. 
To date ( over two months later ), I have received either no response at all or only automated replies. No XXXX representative has provided a meaningful update, taken responsibility for processing the transfer despite the name/account mismatch, or offered any timeline or solution for recovering the funds. 
I am seeking a full refund of the transferred amount, as the error occurred because XXXX failed to perform a standard name-account verification before completing the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XX/XX/year>, I interacted with Navy Federal Credit Union regarding the release of funds from my account after it was closed for investigation. I was explicitly informed that I would be able to withdraw the full remaining balance due to the account closure. I spoke with numerous people and at no time was I told that the funds would be restricted or required to be applied toward my auto loan.

Subsequently, Navy Federal reversed its position and stated that the funds could only be used toward my auto loan. This directly contradicted the information previously provided and prevented me from accessing my own funds. This inconsistency caused confusion, distress, and additional financial hardship.

In an effort to avoid vehicle repossession and prevent negative reporting, I made a payment toward the auto loan while speaking directly with a Navy Federal auto loan officer the same day. Despite this payment being made specifically to avoid delinquency, Navy Federal still reported the account as delinquent and placed a negative remark on my credit report. As a result, my credit history has been negatively impacted.

Navy Federals actions demonstrate a lack of transparency and reliability in their communications and handling of my account. Their conduct caused unnecessary financial strain, emotional stress, and credit harm despite my efforts to remain compliant and mitigate damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Greetings, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed theseXXXX XXXXthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-12-15 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: NJ

Complaint narrative:
this company is reporting this account below on my credit report which is affecting me really bad acc # XXXXXXXX XXXX XXXX XXXX XXXX i don't know this company i don't recognize this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
My account been closed since the XXXX of XX/XX/year>. I had called chime spoke to the fraud department about it. I was told I will get a status with 7 business days about refunds checks. I had XXXX dollars in my account. Still no help with my money it's XX/XX/XXXX still not sent out or nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: CA

Complaint narrative:
This is a transcript of the voice mail on XXXX XXXX at XXXX I am XXXX XXXXXXXX XXXX XXXX XXXX calling for a second time to notify you of the delivery of your documentation Now this does refer to your pending claim Please be available at your home tomorrow between XXXX and XXXX PM If I do not receive a signature at that time, it will get submitted back as a direct refusal to comply. You need to contact the filing party before I arrive at your home. You can contact them at XXXX. XXXX unless I hear from them directly, I will be seeing you

Company response to consumer: Closed with explanation