vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a formal complaint against Bank of America for deceptive and misleading advertising of a promotional balance transfer APR, improper charging of interest and late fees, and the furnishing of false and damaging information to credit reporting agencies. 

Specifically, their online banking platform displayed 0.00 % APR for Balance Transfers until XX/XX/XXXX under my account summary without any indication that further action was required to activate this offer. Based on this misleading language, I reasonably believed that my existing transferred balance was subject to the promotional APR. 

I later learned that interest and late fees were accruing, totaling over {$1000.00}. I disputed these charges in writing on XX/XX/XXXX and XX/XX/XXXX, via certified mail. Instead of resolving the matter or properly investigating, Bank of America reported derogatory information to XXXX  and XXXX. This reporting included multiple late payments, and they failed to flag the account as in dispute, which violates both the Fair Credit Reporting Act ( FCRA ) and California consumer protection laws. 

As a result, my credit score dropped XXXX points, I was denied financing for a home improvement loan, and I lost the opportunity to refinance at lower rates. 

I am requesting the following : Full reversal of all interest and fees associated with this misleading promotion Immediate correction and deletion of negative credit reporting across all credit bureaus Proper notation of account in dispute on all future reports Monetary compensation for financial and emotional damages I have enclosed copies of the deceptive promotional screenshot, my dispute letters, credit reports showing the impact, and proof of certified mail.

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 2025-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/year>, Chime withdrew {$120.00} from my account to repay a XXXX balance, even though the deposit it came from was a personal transfer from my partner, not a payroll or employer deposit. 

I contacted Chime support immediately to explain that the funds were personal and not subject to automatic repayment, but the representatives were rude, refused escalation, and disconnected the call while I was in distress. 

This withdrawal caused a financial hardship, leaving me unable to cover basic expenses. I am requesting that Chime refund the {$120.00} or conduct a formal hardship review, since the deduction was taken from non-payroll funds without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are hard inquires on my report that did not authorize. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Possibly due to fraud.

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are hard inquires on my report that did not authorize. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Possibly due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing a complaint against Synchrony Bank regarding my TJX Rewards Mastercard ( account ending in XXXX ). On XX/XX/XXXX, I contacted Synchrony via a 27-minute recorded phone call at XXXX XXXX CST and requested that my account be closed. The agent acknowledged the request but failed to close the account or send any written confirmation. 

In the days that followed, multiple delinquency alerts were submitted to XXXX  : Reported as delinquent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Then reported as account improved and paid on XX/XX/XXXX I only had a small balance, which I paid in full on XX/XX/XXXX ( {$40.00} ). Despite that, Synchrony repeatedly flagged the account as delinquent after it had been paid, and I was never 90 days past due. These negative entries caused my XXXX credit score to drop by over XXXX points, despite my account being in otherwise excellent standing. I have never had late payments on this account before. 

I also engaged with the TJX online chat bot to request account closure, which again failed to generate proper follow-up. I later requested that the positive account balance of {$7.00} be refunded and that I receive written confirmation of account closure, which I have still not received. I have screenshots and transaction records confirming my payment and balance activity.

This experience has been emotionally distressing and appears retaliatory in nature triggered only after my account closure request. I believe Synchrony 's actions violate fair credit reporting practices. I request immediate deletion of all false delinquency entries from my credit report, a written letter of account closure, and a check for the remaining credit balance.

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 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: MD

Complaint narrative:
b'Firstsource Advantage, LLC is reporting a XXXX XXXX XXXX account that has also been handled by XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX. for collection.\nAll three collectors have reported this same debt to the credit bureaus with inconsistent information, including different Last Reported, Date of Last Activity, Date Last Payment, and Comments fields.\n\nI sent certified disputes to the credit bureaus and to Firstsource Advantage directly. Delivery was confirmed via XXXX  Form XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nFirstsource failed to provide validation or correct the inaccurate reporting within the statutory XXXX  days, in violation of FDCPA  1692g(b) and FCRA  1681e(b) and 1681s-2(b).\nThe continued furnishing of conflicting information has caused reputational and credit harm.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX. Sec XXXX XXXX, ( a, b ) XXXX, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified XXXX  days from receipt ( late payment, XXXX form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within XXXX  days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX XXXX, I Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$740.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$14000.00} XXXX  Date Opened XX/XX/XXXX Balance {$100.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$590.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} * * Inquiries * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
XX/XX/year> SUNRISE CREDIT SERVICES GROUP XXXX XXXX XXXX XXXX, NY. XXXX To whom it may concern, I DEMAND that you Immediately DELETE ALL INACURATE PERSONAL INFORMATION that I do not verify, Under 15 USC 1681 ( i ) ( ii ) - Procedure in case of disputed accuracy. Certification of accuracy of information if any information is DELETED from a CONSUMERS file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the CONSUMER reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Notice to CONSUMER if any information that has been DELETED from a CONSUMERS file pursuant to subparagraph ( A ) is reinserted in the file, the CONSUMER reporting agency shall notify the CONSUMER of the reinsertion in writing not later that 5 business days after the reinsertion or, if authorized by the CONSUMER for that purpose, by any other means available to the agency. I DEMAND you DELETE the following ACCOUNT-SUNRISE CREDIT SERVICES GROUP, ACCOUNT NUMBER : XXXX, BALANCE : {$240.00} under 15 U.S. Code 1681 ( b ) -REASONABLE PROCEDURES. It is the purpose of this subchapter to require that CONSUMER reporting agencies adopt reasonable procedures for meeting the needs of commerce for CONSUMER CREDIT, Personal, Insurance, and other information in a manner which is fair and equitable to the CONSUMER, with regard to the CONFIDENTIALITY, ACCURACY, RELEVANCY, and proper UTILIZATION of such information in accordance with the REQUIREMENTS of this subchapter.

I DEMAND that you DELETE the following ACCOUNT listed BELOW on my CONSUMER CREDIT REPORT IMMEDIATELY : ACCOUNT NAME : SUNRISE CREDIT SERVICES GROUP, ACCOUNT NUMBER : XXXX, BALANCE : {$240.00}.

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 2025-11-09 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: FL

Complaint narrative:
XX/XX/year> To whom it may concern, I DEMAND that you Immediately DELETE ALL INACURATE PERSONAL INFORMATION that I do not verify, Under 15 USC 1681 ( i ) ( ii ) - Procedure in case of disputed accuracy. Certification of accuracy of information if any information is DELETED from a CONSUMERS file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the CONSUMER reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Notice to CONSUMER if any information that has been DELETED from a CONSUMERS file pursuant to subparagraph ( A ) is reinserted in the file, the CONSUMER reporting agency shall notify the CONSUMER of the reinsertion in writing not later that XXXX business days after the reinsertion or, if authorized by the CONSUMER for that purpose, by any other means available to the agency. I DEMAND you update the following ACCOUNT-XXXX XXXXXXXX, ACCOUNT XXXX, BALANCE : {$3500.00} to Paid as Agreed Or PAID/NEVER LATE IMMEDIATELY, under 15 U.S. Code 1681 ( b ) -REASONABLE PROCEDURES. It is the purpose of this subchapter to require that CONSUMER reporting agencies adopt reasonable procedures for meeting the needs of commerce for CONSUMER CREDIT, Personal, Insurance, and other information in a manner which is fair and equitable to the CONSUMER, with regard to the CONFIDENTIALITY, ACCURACY, RELEVANCY, and proper UTILIZATION of such information in accordance with the REQUIREMENTS of this subchapter. 

I DEMAND THAT THE FOLLOWING ACCOUNT BELOW BE UPDATED TO PAID AS AGREED OR, PAID/NEVER LATE AND ALL LATE-PAYMENTS BE DELETED IMMEDIATELY PLEASE!!!!!! 
ACCOUNT NAME : XXXX  XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT BALANCE : {$3500.00}.

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 2025-11-09 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: FL

Complaint narrative:
XX/XX/year> To whom it may concern, I DEMAND that you Immediately DELETE ALL INACURATE PERSONAL INFORMATION that I do not verify, Under 15 USC 1681 ( i ) ( ii ) - Procedure in case of disputed accuracy. Certification of accuracy of information if any information is DELETED from a CONSUMERS file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the CONSUMER reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Notice to CONSUMER if any information that has been DELETED from a CONSUMERS file pursuant to subparagraph ( A ) is reinserted in the file, the CONSUMER reporting agency shall notify the CONSUMER of the reinsertion in writing not later that XXXX business days after the reinsertion or, if authorized by the CONSUMER for that purpose, by any other means available to the agency. I DEMAND you update the following ACCOUNT-XXXX  XXXX, ACCOUNT XXXX, BALANCE : {$3500.00} to Paid as Agreed Or PAID/NEVER LATE IMMEDIATELY, under 15 U.S. Code 1681 ( b ) -REASONABLE PROCEDURES. It is the purpose of this subchapter to require that CONSUMER reporting agencies adopt reasonable procedures for meeting the needs of commerce for CONSUMER CREDIT, Personal, Insurance, and other information in a manner which is fair and equitable to the CONSUMER, with regard to the CONFIDENTIALITY, ACCURACY, RELEVANCY, and proper UTILIZATION of such information in accordance with the REQUIREMENTS of this subchapter. 

I DEMAND THAT THE FOLLOWING ACCOUNT BELOW BE UPDATED TO PAID AS AGREED OR, PAID/NEVER LATE AND ALL LATE-PAYMENTS BE DELETED IMMEDIATELY PLEASE!!!!!! 
ACCOUNT NAME : XXXX  XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT BALANCE : {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: FL

Complaint narrative:
XX/XX/year> To whom it may concern, I DEMAND that you Immediately DELETE ALL INACURATE PERSONAL INFORMATION that I do not verify, Under 15 USC 1681 ( i ) ( ii ) - Procedure in case of disputed accuracy. Certification of accuracy of information if any information is DELETED from a CONSUMERS file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the CONSUMER reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Notice to CONSUMER if any information that has been DELETED from a CONSUMERS file pursuant to subparagraph ( A ) is reinserted in the file, the CONSUMER reporting agency shall notify the CONSUMER of the reinsertion in writing not later that XXXX business days after the reinsertion or, if authorized by the CONSUMER for that purpose, by any other means available to the agency. I DEMAND you update the following ACCOUNT-XXXX  XXXX, ACCOUNT XXXX, BALANCE : {$3500.00} to Paid as Agreed Or PAID/NEVER LATE IMMEDIATELY, under 15 U.S. Code 1681 ( b ) -REASONABLE PROCEDURES. It is the purpose of this subchapter to require that CONSUMER reporting agencies adopt reasonable procedures for meeting the needs of commerce for CONSUMER CREDIT, Personal, Insurance, and other information in a manner which is fair and equitable to the CONSUMER, with regard to the CONFIDENTIALITY, ACCURACY, RELEVANCY, and proper UTILIZATION of such information in accordance with the REQUIREMENTS of this subchapter. 

I DEMAND THAT THE FOLLOWING ACCOUNT BELOW BE UPDATED TO PAID AS AGREED OR, PAID/NEVER LATE AND ALL LATE-PAYMENTS BE DELETED IMMEDIATELY PLEASE!!!!!! 
ACCOUNT NAME : XXXX  XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT BALANCE : {$3500.00}.

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 non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Someone called chase and requested a duplicate debit card over the phone. They also called chase and transfered all my money form my savings to my checking and used XXXX at an XXXX  XXXX  in XXXX. Then proceeded to an atm and withdrew XXXX. I opened a claim the same day and XXXX  days later XXXX told me that they refunded me the atm withdrawal of XXXX but they won't refund the XXXX .. I told them I need the phone recording who who ordered a card and had it mailed to XXXX .. and who was on the phone doing those transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting and attempting to collect a Discover Bank account that has also been pursued by XXXX XXXX XXXX. 
Both collectors, as well as Discover Bank, are reporting inconsistent data to XXXX XXXX XXXX XXXX including differing Date Opened, Date of Last Payment, Date Last Reported, and Account Comments/ Status entries. 

These inconsistencies have caused significant harm to my creditworthiness and demonstrate failures to ensure data accuracy as required under FCRA 1681e ( b ) and 1681s-2 ( b ). 

I submitted certified disputes to both XXXX XXXX XXXX, XXXX XXXX XXXX and Discover Bank ( XXXX XXXX XXXX attached ). 
They all XXXX have failed to provide validation, failed to note the account as disputed, and continued to furnish data violating FDCPA 1692g ( b ) and 1692e ( 8 ). 

This is a continuation of a broader pattern of Discover Bank and its agents noncompliance, already documented in CFPB Complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
This complaint continues from my previous CFPB case filed on XX/XX/XXXX. American Honda Finance reported that they could not identify the account due to an incomplete account number, but I believe the record exists under the incorrect name XXXX XXXX. 

I have never opened or co-signed any vehicle loan or lease with American Honda Finance. My correct information is : XXXX XXXX XXXX, DOB XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, last four of SSN XXXX. 

If an account was verified under XXXX XXXX or XXXX XXXX, it is not mine. I am requesting that American Honda Finance conduct a complete reinvestigation using my correct legal name and provide copies of any signed credit applications, contracts, or documentation used for verification.

If no verifiable signed documentation exists, I request immediate deletion of any associated account from all credit reports per FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( C ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF XXXX  OR XXXX  LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER XXXX LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am officially asking for the deletion of this incorrect account from my credit report, as I never authorized its creation or use. I have included the necessary documentation to verify my claim.

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