vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I am submitting this complaint regarding a recent experience with Bank of America related to my credit card account ( Secured Mastercard/Visa ). 

I applied for and activated this credit card specifically to take advantage of the advertised 0 % promotional APR on purchases, which was a key factor in my decision. Shortly after receiving the card, I used it to send a payment via XXXX, under the belief that this would be treated as a standard purchase eligible for the 0 % APR. 

However, Bank of America classified the XXXX transaction as a cash advance, which : Immediately accrued interest Triggered a 5 % transaction fee Was not eligible for the promotional XXXX This treatment was not clearly disclosed in the application process, promotional materials, or onboarding documentation. After speaking with Bank of America, I was told this classification was disclosed in the cardholder agreement. Upon review, I found that the agreement buries this information under the category of XXXX Equivalents, listing person-to-person money transfersbut without directly referencing XXXX, XXXX, or any other modern payment platform. 

This lack of clear and prominent disclosure caused me to inadvertently incur fees and interest, undermining the entire purpose of opening the card. Despite contacting Bank of America and requesting a one-time reclassification of the transaction into the promotional balance ( or a waiver of fees and interest ), they refused to make any adjustment, leaving me no option but to immediately pay the full balance to avoid further interest charges. 

I believe this situation constitutes a violation under XXXX ( Unfair, Deceptive, or Abusive Acts or Practices ). Specifically : The promotional terms failed to adequately warn consumers about the exclusion of person-to-person platforms like XXXX The agreement language is not reasonably understandable to the average consumer The treatment of such a common transaction type as a cash advance without plain disclosure is deceptive and materially misleading Requested Resolution : I am requesting the CFPB to investigate Bank XXXX Americas marketing and XXXX XXXX related to promotional APRs and the treatment of person-to-person transactions. I would also like a refund of the interest and fees applied to my account due to this misclassification and lack of transparency. 

Thank you for your assistance in resolving this matter.

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 2025-07-14 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:
Under 15 U.S.C. 1681c2, the consumer reporting agencies are required to block the disputed hard inquiries within 4 business days of receiving my valid Identity Theft Report and supporting documents. I expect confirmation in writing that the block has been applied in full. 

I am a victim of identity theft as documented in my official FTC Identity Theft Report ( # XXXX ). Multiple unauthorized hard inquiries were made on my credit reports without my knowledge or consent. These inquiries were not initiated by me and I did not apply for these accounts or authorize any credit checks with the following companies : 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 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 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 I have notified the credit reporting agencies and the companies involved that these inquiries resulted from identity theft and must be blocked under my rights granted by 15 U.S.C. 1681c2 of the Fair Credit Reporting Act. This law requires consumer reporting agencies to block identity theft-related information from a consumers file once the victim provides proof of identity theft and a proper request. 

I have already filed an FTC Identity Theft Report and am submitting it here to support my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: IL

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccuracies that do not meet the required standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on my financial well-being during an already difficult time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: CA

Complaint narrative:
I took out a private student loan in 2006 for graduate studies at XXXX XXXX Over the past XXXX years, this loan has grown to nearly {$26000.00}, despite making payments and attempting to manage the debt responsibly. 
While the loan was serviced by XXXX, I was repeatedly placed in forbearance and not adequately informed about lower-cost or income-based repayment options. I trusted the servicers guidance but later learned that other repayment strategies could have reduced my interest accrual and prevented the balance from growing so much. 
After years of frustration with XXXX, my loan was transferred to MOHELA, where it remains today. Although I continue to make payments, the balance has barely budged due to the compounding interest and lack of options given to me earlier. 
I believe I was misled or poorly advised by XXXX, and that Ive paid significantly more than the original loan amount without fair opportunity for relief. I have experienced periods of financial hardship over the years and tried to stay on top of this debt despite limited resources. 
I am now seeking a fair resolution to a loan that has been mishandled and dragged on for far too long. I am requesting a partial loan forgiveness or negotiated settlement to reduce the balance, in recognition of the mishandling by XXXX and the excessive growth of the loan despite payments. 
Ideally, I would like a resolution that reduces the loan to a manageable balance or offers a settlement amount based on what I would have owed had fair options been offered at the time. 
If forgiveness is not possible, I request a modified repayment plan with XXXX interest accrual moving forward and a fixed end date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX is inaccurately reporting a charged-off account on my credit report. The account was last paid on XX/XX/XXXX and charged off in XXXX. However, the reporting was recently updated in XX/XX/XXXX to show the account as past due again, with a new status date. This is inaccurate and appears to be an attempt to re-age the account, which violates the Fair Credit Reporting Act ( FCRA ). I previously disputed this information but it was not corrected. I am requesting deletion of this account from my credit report due to illegal re-aging and inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I received a statement that included charges I did not authorize. Although I am in possession of the card in question, it is expired and has not been used by me. I contacted Target to report the unauthorized charges, but was informed that an investigation was completed and they concluded that I was the user of the card. I was not provided with the date of this investigation or any supporting evidence. At the time of the transactions, I was residing in XXXX, XXXX  for work, while the card was used in a different city.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a second, related complaint regarding TransUnion, following my original CFPB Complaint ID # XXXX. 

While the first complaint addressed issues with TransUnion failing to acknowledge my mailed dispute documents, this complaint is focused on a new issue : TransUnion has now changed the dispute Date Submitted to XX/XX/XXXX, even though the dispute was opened by phone on XX/XX/XXXX ( Case # XXXX ) and acknowledged by TransUnion in a XX/XX/XXXX email. 

TransUnion is now using this artificial date to set a resolution deadline of XX/XX/XXXX over 40 days later not because I restarted the dispute, but because they delayed processing the supporting documents. 

I originally mailed the documentation via USPS Certified Mail, and tracking shows it was delivered, but TransUnion did not retrieve the mail from the post office. Because of their failure to act, I had to re-send everything via UPS to their physical address.

Now TransUnion is pretending that the UPS delivery date resets the dispute timeline, which is misleading and violates 15 U.S.C. 1681i of the Fair Credit Reporting Act, which clearly states that the 30-day dispute window begins when the dispute is received, not when the bureau decides to look at or accept supporting documentation. 

To make matters worse, in their response to my original CFPB complaint, TransUnion stated : We will follow up with you within sixty ( 60 ) days from the date you submitted your request. 

This is a direct violation of the FCRA, which only allows 30 days to complete an investigation or 45 days only if the consumer provides additional information after the dispute begins. I did not do this my documents were part of the initial dispute, and the delay is entirely due to TransUnions internal handling. 

I also believe this tactic is being used to buy more time for XXXX XXXX, the furnisher, to respond. TransUnions XX/XX/XXXX email said they had not yet heard from XXXX XXXX meaning the dispute was already in progress. Now, theyve pushed the timeline out to make it appear as if the clock started on XX/XX/XXXX. 

This type of manipulation harms consumers and defeats the entire purpose of the protections provided under the 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 2025-07-14 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I placed an online order ( order number XXXX ) on XXXX XXXX XXXX XXXX website for XXXX items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Running Shoes The total amount is {$400.00}. I paid this order using my Capitol One XXXX credit card, ending in XXXX. 

After receiving the order, due to the fitting issue of the shoes, I decided to apply for free return service on XXXX XXXX XXXX XXXX website and return the XXXX items via mail, for a full refund according to their return policy. The return tracking number is XXXX, which shows that the return was delivered on XX/XX/year>. 

Unfortunately, the merchant never issued a refund, even after various attempts reaching out to them. My last option is to file a dispute with Capitol One to get back my money. 

I filed a dispute with Capitol One, case # XXXX and on XX/XX/year>, I was informed by Capitol One that my dispute was denied due to insufficient evidence. I already provided all details regarding the successful return of this order. This is very unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 {$9800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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 submitting this formal complaint due to AMERICAN EXPRESSs failure to respond to or comply with my prior dispute request regarding inaccurate and unauthorized information being reported to the credit bureaus. Despite a reasonable amount of time provided, no corrective action was taken, nor did I receive any communication acknowledging or addressing my concerns. 

The items in question remain on my credit reports, and they continue to reflect erroneous late payment history that I have previously disputed as false. This failure to investigate or respond violates the Fair Credit Reporting Act ( FCRA ) 1681s-2, which outlines the responsibilities of data furnishers to investigate consumer disputes, and 1681i ( a ), which mandates timely resolution of disputed entries. By neglecting to remove, correct, or validate these inaccurate records, American Express is not complying with its legal obligations under federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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