vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX - Scammer stole my phone and added XXXX separate contacts as my XXXX Recipients XXXX XXXX as XXXX and XXXX as XXXX XXXX They later sent a series of XXXX to themselves. 

XX/XX/XXXX XXXX - Scammer who stole phone added my XXXX XXXX XXXX to my digital wallet. 

XX/XX/XXXX XXXX - Scammer used my XXXX XXXX XXXX to purchase {$100.00} at XXXX XXXX XXXX XXXX I believe I have already solved this and this is being resolved by Chase Bank, but I am not getting clear answers and am being treated awful. 

XX/XX/XXXX XXXX - According to my email, Chase canceled the fraud payment of {$700.00} that XXXX XXXX sent to themselves because they couldn't verify the payment. Which was the correct thing to do. 

Other XXXX that I don't have exact time on, but I do have the date :! XX/XX/XXXX - {$700.00} XXXX  transaction that XXXX XXXX completed successfully to themselves from my phone and Chase Bank will not assist me at all further. I've been calling in constantly. 
XX/XX/XXXX - {$700.00} XXXX  transaction to that same XXXX XXXX, who sent it to themselves, which was rejected as it should be. 
! XX/XX/XXXX - {$600.00} XXXX  transaction that XXXX XXXX completed successfully to themselves from my stolen phone and Chase Bank will not assist me at all further. I've been calling in constantly. 
XX/XX/XXXX - {$600.00} XXXX  transaction to that XXXX XXXX, who sent it to themselves, which was rejected as it should be. 
XX/XX/XXXX - {$700.00} XXXX  transaction to that XXXX XXXX, who sent it to themselves, which was rejected as it should be. 

Immediately upon realizing, I canceled all my credit cards, and debit cards and I called chase to reset my username and password. The bank has been helping me with the fraudulant credit and debit card transactions but they have been very rude to me about the XXXX  transactions. Moreover, on XX/XX/XXXX, and XX/XX/XXXX Chase told me to not worry because the XXXX  transactions were canceled since they were flagged as suspicious. However, on XX/XX/XXXX ( today ), the transactions did indeed go through after the fact to the scammer ( XXXX ), and then I called in immediately to see why and what is going on. They confirmed that XXXX ended up going through because the scammer was able to confirm that they were the correct person to be receiving it and that I was out of luck. I pleaded and explained it wasn't me and they will not listen. Additionally, i'm very nervous that future transactions will go to them because they were incorrect about the past ones, and they will not give me any peace of mind. I just added money from my savings account to my checking account to afford these losses and i'm scared that as soon as that money shows up, it will be XXXX  to the scammer. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 2025-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX  XXXX  performed negligent and unsafe service on my vehicle during my visit in XX/XX/XXXX. I paid for tire installation, and the technician installed the tires incorrectly and cracked my rim during the service. This immediately made my vehicle unsafe to drive and forced me to deal with additional inspections and repair issues caused directly by Pep Boys. 

Starting from XX/XX/XXXX, and continuing throughout XXXX and XXXX, I contacted Pep Boys numerous times by phone and email. I have documented proof showing they received my messages, yet they completely ignored every attempt I made to resolve the damage they caused. They have refused to take responsibility, reimburse me, or even respond. 

Because the service was defective and resulted in physical damage to my vehicle, I disputed the charge with Synchrony Bank. Synchrony closed my dispute without conducting a proper investigation. Their response was simply to tell me to work it out with Pep Boys, despite the fact that I submitted documentation showing Pep Boys was not responding at all. 

I have evidence showing : Pep Boys improperly installed my tires Pep Boys cracked my rim during service Pep Boys negligence created a safety hazard I had to seek additional inspection due to their damage Pep Boys ignored months of follow-up attempts Synchrony refused to investigate the merchant dispute properly I am requesting that the CFPB require Synchrony Bank to XXXX XXXX. Reopen my dispute immediately XXXX. Conduct a full investigation into Pep Boys negligence XXXX Review all evidence I have provided XXXX. Remove the charge for defective, unsafe, and uncompleted service I should not be forced to pay for a service that damaged my vehicle, jeopardized my safety, and left me with additional expenses especially when the merchant refuses to respond and the bank refuses to investigate.

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 2025-11-26 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXTennessee XXXXExperianXXXXP.O. Box XXXX  TX XXXXSubject: Dispute of Inaccurate Information on My Credit ReportXXXXDear Experian,XXXXI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Dear Experian. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.XXXXDisputed Account Details:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:XXXXCopy of IDXXXXProof of AddressXXXXAccording to the FCRA, you are required to investigate my dispute within XXXX  days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.XXXXRequest for Action:XXXX Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.XXXX. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within XXXX  (5XXXX  business days, and a final resolution within the legally mandated timeframe.XXXX Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.XXXXFailure to comply with these XXXX  laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.XXXXLegal NoticeXXXXPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.XXXXThank you for your prompt attention to this matter. Please send any responses or updates to XXXXSincerelyXXXX 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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this complaint because there are accounts and credit inquiries on my credit report that do not belong to me and were not authorized by me. 

I already filed an identity theft report with the FTC regarding fraudulent accounts. After submitting the FTC report, I discovered additional unauthorized credit inquiries that were not included in the original FTC report. 

These inquiries were not initiated by me, I did not give permission for any company to pull my credit, and I have no business relationship with these companies. 

I am requesting that all unauthorized inquiries and fraudulent accounts be permanently removed from my credit report under the Fair Credit Reporting Act. 

I am attaching my FTC Identity Theft Report and supporting documentation as evidence. 
XXXX XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
To whom it may concern : These accounts appearing on my credit report are fraudulent, and the furnishers have failed to provide any legally required documentation to validate or verify the alleged debts. Despite my written requests, the furnishers have not provided : The original signed agreement or signed application showing I agreed to the credit terms A full itemized accounting ( charges, interest, fees, payments, balance history ) A chain of title proving ownership and right to collect A sworn affidavit from the original creditor Proof the account was not sold or transferred Proof they have any legal right to report or collect on these accounts Because none of these items have been provided, the reporting of these accounts is unverified, inaccurate, and fraudulent, Accounts ( Fraudulent and Unverified ) Absolute Resolutions Acct : XXXX Unauthorized XXXX  Inquiries ( Never Authorized/ No Benefit Received ) These companies pulled my credit report without my knowledge, permission, or benefit : XXXX XXXX  XX/XX/year> These inquiries were not authorized by me, I received no value, and I am demanding their immediate removal Immediate deletion of all fraudulent accounts listed above Because these furnishers can not validate or verify anything, the continued reporting of these accounts constitutes fraud, negligence, and willful violation of XXXX  and XXXX  law Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
I am submitting this complaint to report XXXX  continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/year>, and XX/XX/year>. 
The accounts in XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Experian has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Experian is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Experian has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

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 2025-11-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: SD

Complaint narrative:
I am filing a complaint regarding the handling of XXXX checks issued to me drawn on PNC Bank on behalf of XXXX XXXX ( XXXX ). The checks were part of a XXXX ( XXXX  ) rollover distribution. I was harmed by XXXX checks that were returned unpaid. 

Timeline : XX/XX/year> : XXXX confirmed in writing that my rollover had been processed and XXXX XXXXissued checks were generated XX/XX/year> : Both checks were returned unpaid due to a stop-payment action initiated. 

I received no notice from PNC or XXXX prior to the stop payment. 

The returned checks caused failed transactions and financial disruption. 

XXXX has since provided inconsistent explanations ( authentication, missing form ), none of which align with the fact that the distribution had already been processed and the checks issued. 

I do not believe that PNC procedures were followed in : issuing the checks, honoring ( or failing to honor ) them, executing the stop payment after mailing, and notifying the payee ( me ) regarding the stop payment. 


PNC Bank XXXX XXXX XXXX XXXX XXXX at PNC XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter is a formal demand under FCRA 609 and 611 to perform a full reinvestigation, validation, and verification of the account reported by XXXX XXXX XXXX on my credit report. 

I dispute this account in its entirety. You must validate accuracy using actual source documentation and must delete unverifiable information. 

You are required to : XXXX. Initiate a complete reinvestigation. 
XXXX. Obtain documentary evidence supporting the tradeline. 
XXXX. Provide the XXXX XXXX XXXX, including name, title, and documents used. 
XXXX. Delete the tradeline if you can not produce legally sufficient verification. 

Send findings and an updated consumer file in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: IA

Complaint narrative:
There fraudulent accounts reporting to my credit profile

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 2025-11-26 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: PNC Bank N.A.
State: IN

Complaint narrative:
On XX/XX/year>, I received a XXXX XXXX XXXX alert from PNC Bank stating that my checking account ending in XXXX had a negative balance of {$3.00} and warning that overdraft fees would be charged if I did not bring the account to at least {$0.00} within XXXX hours. 
This alert is inaccurate because PNC owes me a reimbursement of {$2000.00} that has not yet been credited to my account. The negative balance exists only because PNC has delayed posting the reimbursement. Despite this, their system is still threatening overdraft fees. 
I contacted PNC to request immediate posting of the reimbursement, correction of my account balance, and confirmation that no overdraft fees would be assessed. I also requested information about the timeline for resolution. 
PNC has not resolved the issue, and I should not be penalized with overdraft fees for a balance error caused solely by PNCs delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I was scammed by XXXX XXXX XXXX aka XXXX XXXX XXXX CEO XXXX XXXX and his employee XXXX XXXX. I was offered credit funding up to $ XXXX at the cost of $ XXXX. I received screenshots from XXXX XXXX between himself and XXXX XXXX showing that XXXX reviewed my credit profile and said I was ready for funding. XXXX XXXX claimed to be friends with XXXX XXXX, but I eventually found out he was actually an affiliate of XXXX XXXX XXXX and received some of the $ XXXX paid to XXXX XXXX XXXX with my credit card. No one ever applied for credit on my behalf as I was promised, and I eventually was ghosted by XXXX and eventually by XXXX XXXX. There were no services ever delivered and my efforts to resolve this with the company were unsuccessful. XXXX XXXX shared with me that XXXX was no longer working for him due to ethical concerns, promised me a refund and eventually a partial refund and then concluded with no refund and ghosting me. After numerous emails and text messages, he finally responded with an attorney stating that I signed a contract. This contract was signed as a formality, as I was told, I did not need the credit repair services that the company offered since I was ready for funding, and I was only paying for that service. I basically got scammed. Goldman Sachs denied my claim without requesting any proof of services delivered as promised or anything for that matter from XXXXXXXX XXXX XXXX They have dozens of emails and text conversations between myself and both parties from XXXXXXXX XXXX XXXXXXXX where I have been clearly promised a service that I never received. Also proof that I was ghosted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: PA

Complaint narrative:
I received a letter that said US Bank was going to close my deposit and credit card accounts. I have been a US Bank customer for a long time. I have a XXXX  account, XXXX  account, XXXX  account, and XXXX credit cards with them. The letter did not provide a reason. 
I called to say I didn't want the account closed and they said it was their decision and it was final. I called again to redeem my cash back rewards ( {$1800.00} ) that I've been saving and they said they could not be transferred because the account is closed.

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 2025-11-26 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: TX

Complaint narrative:
I am writing to formally dispute an inaccurate late payment listed on my credit report. I have reviewed my report and found a late payment entry for Account Name : XXXX XXXX Account Number : XXXX which I believe is incorrect. I have consistently maintained an excellent payment history with Creditors and have never been late with a payment. I request that you thoroughly investigate this matter and promptly remove the erroneous late payment from my record, as it does not reflect my truefinancial history. I appreciate your prompt attention to this matter. Please notify me in writing of any updates regarding the status of this dispute and kindly correct my credit report if this itemis found to be inaccurate. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

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 response to consumer: Closed with non-monetary relief