vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been dealing with a lawyer for several years and have wired him money before. Someone was able to hack into his email and copy his exact mannerisms and signatures and join right into our email thread with an almost identical email address and had me wire my XXXX payment to him under the impression he was my lawyer even though he was not. XXXX has started a recall process with bank of america where the scammer had me wire the money to and they have taken no 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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reaching out to formally dispute the reporting of a XXXX  that appears on my credit file. I have reviewed my records carefully and have obtained an official letter from the court clearly stating that this XXXX  should not be reported to any credit bureau. Despite this clear and direct confirmation, the XXXX  still appears on my credit report, which is both inaccurate and harmful to my credit standing. 

What makes this matter even more concerning is the involvement of an unauthorized third party, which raises serious questions about how this information was obtained and why it was reported without my consent or proper verification. This is not just a simple reporting errorit suggests a deeper issue with the accuracy, security, and handling of my personal financial data. 

Adding to the confusion, I have noticed that only TransUnion is reporting this XXXX, while the other major credit reporting agencies are not. This inconsistency calls into question the validity of the information and further supports my position that it should not be on my report. Under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, any information that is inaccurate, unverifiable, or inconsistent must be removed from a consumers credit file promptly.

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 2025-08-20 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: NC

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely 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 non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
Jefferson Capital Systems is reporting a collection account on my XXXX  credit report that is inaccurate and/or unverifiable. I have not received proper validation of this debt, nor has Jefferson Capital provided documentation to establish legal chain of custody or proof of ownership. Despite my dispute with the credit reporting agency, Jefferson Capital continues to furnish this information without providing the required validation. This is a violation of the Fair Credit Reporting Act ( FCRA 611, 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( FDCPA ). Their continued reporting of unverified information is causing harm to my credit and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was supposed to get supplies from this guy but I got scammed and got blocked after i sent my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-21 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: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am disputing the continued reporting of an American Express account on my XXXX  credit file that is marked as charged off/written off while still reporting an outstanding balance of {$3600.00} with {$2800.00} past due. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i, credit reporting agencies and furnishers are required to ensure that the information being reported is accurate and verifiable. If an account is reported as charged off and written off, the balance should no longer be actively reported as collectible unless substantiated with proper documentation.

Additionally, under IRS regulations, when a debt is charged off or forgiven, the creditor must issue a Form 1099-C ( Cancellation of Debt ). To date, no such form has been provided to me, which directly contradicts the accuracy of the written off balance being reported. This indicates that American Express is furnishing incomplete and misleading information by maintaining a balance on a debt they have declared uncollectible. 

I am demanding immediate correction or deletion of this account as unverifiable and inaccurate under FCRA. The continued reporting of an invalid balance without documentation constitutes willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
Complaint Inaccurate Late Payment Reporting Consumer Name : XXXX XXXX XXXX Credit Bureau Involved : Experian Date of Report : XX/XX/XXXX Summary of Complaint : Experian is inaccurately reporting late payments on my credit file that are not correct, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ). These errors are causing significant harm to my credit standing. 
Details of Inaccuracies : XXXX. XXXX XXXX ( Account XXXX. XXXX ) Experian reports a 60-day late payment in XX/XX/XXXX with a past due amount of {$830.00}. 
This is inaccurate and not supported by my actual payment history. No verifiable proof has been provided. 
XXXX. XXXXXXXX XXXX XXXXXXXX. ( Account XXXX. XXXX ) Experian reports a 30-day late payment in XX/XX/XXXX. 
This is erroneous and not reflective of my true payment status. 
Violations : FCRA 611 ( a ) ( 1 ) : Failure to maintain accurate and verifiable information in consumer credit files.

FCRA 609 ( a ) ( 1 ) : Right to review and receive proper documentation of reported items.

Metro 2 Compliance Guidelines : Late payments must only be reported if accurately documented and verifiable by original creditor records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: AL

Complaint narrative:
Equifax is reporting inaccurate and unverifiable identifiers and accounts in violation of the FCRA and Metro 2 compliance standards. Equifax continues to list multiple versions of my name ( XXXX XXXX XXXX, etc. ), outdated/incorrect addresses, and former employers, despite my written disputes. These do not match my correct identifiers ( see above ). 
Equifax also continues to report inquiries without providing proof of permissible purpose ( e.g., XXXX XXXX XXXX  XXXX ). In addition, Equifax is permitting accounts such as XXXX XXXX XXXX and XXXX XXXX XXXX to remain, even though the data is inconsistent across bureaus and fails Metro 2 reporting standards, rendering them unverifiable.

I have requested Equifax disclose the physical documents used to verify these accounts under 15 U.S.C. 1681g, but they have failed to provide this. Equifaxs refusal violates my rights under 1681i and 1681g, and the continued publication of these unverifiable items is damaging my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/year>, I received a suspicious purchase email from Chase asking if I made a {$10000.00} purchase at a XXXX in XXXX, AZ. I was not in town so I asked my husband if he did and he said no. So I marked it as suspicious, they closed my cards and sent me new cards. Chase then " investigated '' but by " investigate '' they determined that the purchase was made with my husband 's credit card and it was a tap to pay purchase and they claim that tap to pay can not be cloned so it must have been him or someone with permission to purchase. I stated that it most certainly was not. I provided a complete accounting from XXXX of all purchase made in XX/XX/year> which did not include anything over a few XXXX dollars. I filed a police report with the XXXX of XXXX and stated that I was willing to press charges if the perpetrator is caught. Chase has re-billed me for the third time and said that we are liable for this charge. XXXX is not investigating and I have filed an FTC complaint and requested that Chase remove the charge along with corresponding fees and interest. I have sent them all the paperwork necessary to show that I did not make this charge and they are unable to prove that I made it. I reported the fraud almost the minute that it happened. I can hardly believe that Chase is persisting with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report. 
I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on XX/XX/XXXX. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable information.

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 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My credit limit is XXXX and they dont want to increase and I had this card for 5 years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX  XXXX XXXX  - XXXX XXXXXXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  - Incorrect Personal XXXX  XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my 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 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: FL

Complaint narrative:
Dear TransUnion, I am writing to formally dispute unauthorized credit inquiries on my credit report. I recently obtained a copy of my credit file and noticed the following inquiries that I did not authorize :

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 2025-08-20 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: NC

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 explanation