vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I enrolled in Chases Pay Over Time / My Chase Plan for an XXXX purchase of about {$1000.00}. The plan showed a 11.99 % interest rate and estimated monthly payments of around {$110.00}, which led me to believe Id be billed over time instead of all at once. 

Instead, Chase charged my card {$1200.00} upfront which includes about {$270.00} in interest that was precomputed at the start. They said that full {$1200.00} was paid to XXXX, and now I must pay Chase back in installments. 

This setup defeats the purpose of a Pay Over Time plan. It caused immediate harm to my credit utilization and misrepresented how the interest would work.

Why this is misleading or unfair : 1 ) The plan was advertised as a way to split up payments but in reality, Chase charges the full amount immediately, including all future interest. 
The supposed 11.99 % lower interest rate is misleading. Chase is charging interest upfront, rather than accruing it monthly, so theres no way to avoid or reduce interest by paying early. 
The structure artificially inflates my card balance, harming my credit utilization ratio and potentially my credit score.

2 ) The disclosures did not clearly explain that Chase would bill the entire {$1200.00} to my card in one lump sum.

3 ) This may violate Truth in Lending Act ( TILA ) disclosure standards and could be considered a deceptive practice ( UDAP ) because it misrepresents how the plan functions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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 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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-10-28 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: Block, Inc.
State: PA

Complaint narrative:
With Cash App for a little Two disputes that was not authorized on my behalf and I finally got a result, but I still didnt get my money yet and I have all the proof that I didnt do it. They told me to put in another dispute which caused a fraudulent activity alert, so my account was shut down now my account is open and why is my money back on there if they knew that wasnt fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NV

Complaint narrative:
Ensure that disputed accounts are promptly eliminated in line with legal regulations.

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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank refused to reimburse or do thorough investigation resulting in loss of my money.

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 monetary relief
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXXXXXX XXXX XXXX  I noticed transactions dating back from XXXX were made from my jp morgan chase checking accou t. These transactions were made to XXXX  and totaled around {$3400.00}. I knew i did not make these transactions and called chase right away to dispute these charges and immediately request a new debit card. Chase told me that I needed to go through with XXXX  as this is a cashapp problem. I consistently went back and forth with XXXX  and even filed a complaint with the cfpb against XXXX. XXXX got back to XXXX cfpb in XXXX with an official report claiming these XXXX  transactions were not made from my account and that someone must have gotten a hold of my debit card information and that my external bank would be the one to correctly reimburse me the funds. Since XXXX, I have been on the phone dozens of times with chase. I Provided them with screenshots of my XXXX  activity, statements from my XXXX, I even provided them with a doctor 's note that chase requested themselves that stated I was in a treatment facility with no access to a phone when a bulk of these transactions were made. I finally provided them with the official XXXX  cfpb report that stated these transactions were not made by any account connected to me and that my external bank account must have been compromised. After all the evidence that chase requested and I delivered ( with the assumption that once they receive, they will be able to move forward with reimbursement ), I still was told that my " phone number '' was connected and there was nothing they could do nor i could do. This was told to me after I provided them with the XXXX/cfpb report and it wasnt until then, that they mentioned this " phone number '' issue. I've exhausted every effort and was consistently met with chase customer service providing rude and helpless feedback not realizing the severity of missing this much from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/year>, I ma

de two transactions using my Chime account one for {$200.00} and another for {$79.00}. Both transactions were successfully processed and marked as paid, and the funds were deducted from my account balance. However, on the next business day, XX/XX/year>, Chime reportedly experienced a system issue that caused the payments to be reversed or fail on their end. As a result, the merchants were billed twice, and I was charged twice for the same transactions. This error caused my account to become overdrawn by approximately {$500.00}.

I contacted Chime about the issue, but it was clearly caused by their system outage and not by any action on my part. I am requesting that the overdraft fees and duplicate charges be reversed and refunded immediately, as this was entirely due to a technical problem on their side.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 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 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D2 Management LLC
State: TX

Complaint narrative:
i recieve a call from d2 managment collection to pay this as XXXX i ask fir to verified the debt she XXXX  screaming at me i told i never took XXXX losn with this people

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: SC

Complaint narrative:
While TrueAccord has acknowledged my previous CFPB ( # XXXX ) on XX/XX/XXXX. I appreciate their confirmation that collection activity is paused pending receipt of documents from XXXX XXXX XXXX, this does not excuse or justify the ongoing delay in providing verification. 
Im submitting this update because it has now been over 45 days since TrueAccord received my certified debt-validation request on XX/XX/XXXX, and no verification documentation has been provided. While the FDCPA ( 15 U.S.C. 1692g [ b ] ) does not specify an exact number of days, both courts and regulators consistently interpret 3045 days as the upper limit of reasonable time for debt verification. 

In Smith v. Transworld Systems , Inc. ( E.D. Pa. 1991 ), a 30-day delay was considered reasonable, while Beattie v. D.M. Collections ( S.D. Ind. 1993 ) found that 45 days without verification was an unreasonable delay. The CFPBs own Compliance Bulletins also instruct that agencies are expected to provide verification within 3045 days as a matter of good-faith compliance. 

TrueAccords continued failure to provide verification beyond 45 days constitutes procedural non-compliance and unreasonable delay under these standards. This account has been in dispute since early XXXX and has been reassigned multiple times without verification from any party. Under South Carolina Code 37-5-108, this prolonged delay also constitutes unconscionable collection conduct. 

I have now issued a 5-Day Demand Notice of Intent to Pursue Legal Action for Procedural Non-Compliance directly to TrueAccord. I am requesting that the CFPB note this update and require the collector to close this account and return it to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my notarized Affidavit of Identity Theft as evidence supporting my identity theft claim. 
As per 15 U.S.C. 1681c-2, upon submission of an identity theft report or affidavit by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, including my notarized Affidavit of Identity Theft and supporting identification documents. Copies have also been sent to your agency via Certified Mail. 
In addition, I request the immediate removal of the following fraudulent accounts from my credit report. 
ACCOUNTS : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
XXXX XXXX took out two payments on the same day which caused major issues in my account. Which then caused me to have multiple penalties and extra charges on my account. I disputed with XXXX and my bank. XXXX refunded my money. Bank of America is refusing to refund my money and is saying it is because of XXXX XXXX XXXXXXXX policies. Now my account is overdraft and multiple more charges are being added daily. I have asked for case to be sent higher up. But I keep being told I have to wait 45 to 90 days before I can have my money back. Even though XXXX sent my money back to me.

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 monetary relief
Consumer complaint received 2025-10-28 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: LA

Complaint narrative:
I discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my credit score and financial opportunities.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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