vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I purchased from XXXX on XX/XX/XXXX ( Order # XXXX, about {$120.00} ). I received the order confirmation with the shipping address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, I got a shipment notice with USPS tracking XXXX, but the package never arrived. 

Starting XX/XX/XXXX, I repeatedly contacted the merchant. On XX/XX/XXXX, they again provided the same tracking ; on XX/XX/XXXX, they said the case was escalated, but there was no resolution. I followed up on XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I informed the merchant that the USPS tracking showed Refused, but I never refused the package and no one was authorized to refuse on my behalf. 

On XX/XX/XXXX, I formally requested a refund with evidence of non-delivery. 

I filed a dispute with my card issuer, but the bank denied it solely due to the XXXX time limit, without addressing the merchandise-not-received issue or requiring the merchant to provide valid proof of delivery. I am requesting CFPBs assistance to have the dispute reopened and reviewed under merchandise not received, and, absent valid proof of delivery, to credit back {$120.00}.

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 monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally disputing the reporting of the above-referenced account by XXXX XXXX XXXX  XXXX which reflects late payments and fees that are fraudulent. 

At the time of the {$100.00} transaction in question, I was not in the United States. Enclosed are copies of : XXXX XXXX own letter confirming the charge occurred in the U.S. 

My airline tickets showing I was abroad. 

XXXX reservation confirmations verifying my stay outside the country. 

This evidence proves the transaction was unauthorized and fraudulent. 

Under FCRA 611, I demand you immediately reinvestigate this tradeline. The furnisher ( XXXX XXXX  ) has failed to provide actual verification of my liability. Continuing to report unverifiable or fraudulent information constitutes a direct violation of 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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
I am filing a complaint against XXXX for reporting inaccurate and outdated information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 
Attached is a screenshot of an account reported by SOFI Bank, N.A. that shows the following : Account opened : XXXX XXXX XXXXXX/XX/XXXX Credit limit : {$2000.00} Charged off for : {$2500.00} Status : Account charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXX XXXX updated : XX/XX/XXXX Last payment : XX/XX/XXXX XXXX updated : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: TX

Complaint narrative:
This account with Vance & Huffman , LLC is the result of identity theft. I did not open or authorize this account, and I have never had any dealings with XXXX XXXX 

The account details are : Agency Name : Vance & Huffman LLC Original Creditor : XXXX XXXX Date Assigned : XX/XX/year> Balance : {$1100.00} Status : Collection account, seriously past due Reported to : XXXX XXXX XXXX I have already filed an FTC Identity Theft Report and submitted copies of my ID and proof of address to the credit bureaus. Despite this, the account is still being reported. 

Under the Fair Credit Reporting Act ( FCRA ), once identity theft is reported, the collector must cease collection and the account must be blocked and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
I was Reviewing my credit report and noticed inquiries that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Complaint against Chase Bank mishandling of fraudulent prepaid debit card transaction : I am filing this complaint against Chase Bank regarding their refusal to properly resolve fraudulent transaction on my chase prepaid debit card account. 

Bank name : Morgan case Bank NA, Account type prepaid Card, Transaction date : XX/XX/year>, Transaction amount XXXX, XXXX XXXX, XXXX. Location : of transaction XXXX XXXX XXXX XXXX XXXX Illinois, XXXX XXXX XXXX XXXX Illinois. 
I did not authorize these transactions at the time I was in XXXX Mississippi. I never gave my card pin, or account access to anyone. I promptly reported the charges to Chase Bank, as required by the electronic fund transfer act 15 U.S.C. 1693 et seq ) and CFPBS prepaid account rules. Despite this, Chase has informed me that the charges are valid and has refused to credit my account. I am requesting the CFPBS assistance in requiring Chase to : 1. Reserve these fraudulent charges and restore the funds to my account. 2. Provide a clear explanation and documentation of why they are claiming these charges are valid. 3 Ensure compliance with EFTa and CFPBPrepaid account protection. Thank you for help resolving this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: PA

Complaint narrative:
Company Name : XXXX XXXX XXXX. 
Order Number : XXXX Complaint Type : Ticket Sales/ Payment Processing Complaint Description : On XX/XX/year>, I sold tickets through XXXX for XXXXXXXX XXXX XXXX XXXXXXXX. The tickets were mistakenly listed as Section XXXX instead of Section XXXX, though they were uploaded correctly at the time of the listing. The buyer received and used the tickets without issue. 
After the event, XXXX withheld the {$340.00} payment from the sale and additionally charged me a {$380.00} fee, leaving me out over {$700.00}. 
My concerns are not limited to the listing error, but to XXXX handling of the situation : A XXXX representative ( XXXX XXXX explicitly assured me that she would call if there were any problems with the buyer receiving the tickets. No such follow-up occurred, which led me to believe the transaction was completed successfully. 
XXXX failed to notify me of any issue until after the event had already taken place, preventing me from taking corrective action. 
The buyer did not report any issue at the time of delivery. XXXX has not clarified when or how the buyer complaint was made, nor why I was not informed promptly. 
Repeated attempts to resolve this through XXXX support channels have only resulted in generic, automated replies. Even direct outreach to executive contacts has led to the same redirect back into the support system. 
Desired Resolution : I am requesting that XXXX either : Release the {$340.00} payment for the sale, and reverse the {$380.00} penalty, which was applied in an unreasonable and unfair manner given XXXX own communication failures. 
I believe this reflects an unfair business practice in XXXX handling of payments and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/year>, I went into the Truist branch ( XXXX XXXX ) in XXXX, SC, with a check. A Truist banker personally helped me deposit the check. At the same time, she opened a XXXX for my daughter and transferred money to my mothers account per my request. 

The check later bounced because of a missing signature, but no one from Truist contacted me when this happened. Instead, Truist pulled the money from my account to cover the deposits made into my daughters and mothers accounts, leaving me overdrawn by approximately {$1600.00}. 

I have been without any access to funds since XX/XX/XXXX. Today is XX/XX/XXXX, and Truist keeps telling me that a replacement check was mailed. I have not received it, and I have a child to care for and bills due. I can not get a clear response on where my check is or anything! 

This situation is causing severe financial hardship. I followed proper procedures, worked directly with a Truist banker, and I should not be left without money for over a week when I couldve gotten a simple phone call to come sign the check rather than it being mailed out when I live not even XXXX minutes from the branch. Ive been banking here since I started working and after this I dont think I will be anymore. I feel helpless and cant even afford to get my daughters medicine because XXXX XXXX have any funds. Ridiculous.

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 2025-09-11 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:
I am writing to formally file a complaint against multiple credit reporting inaccuracies that are negatively affecting my credit profile. Despite my efforts to resolve these issues with the credit reporting agencies and furnishers, the following accounts and entries continue to appear incorrectly on my credit reports. 

XXXX. Wrong Personal Address Information The following addresses are being reported inaccurately and do not belong to me : XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX At XXXX XXXX XXXX XXXX, XXXX, TX XXXX These addresses are not associated with me and should be removed immediately. 

XXXX. Inaccurate and Improperly Reported Accounts The following accounts are being reported inaccurately and unfairly as charge-offs : XXXX XXXXXXXX * * * | High Balance : {$8500.00} | Date Opened : XX/XX/XXXX | Status : Charge Off XXXX XXXXXXXX * * * | High Balance : {$8100.00} | Date Opened : XX/XX/XXXX | Status : Charge Off XXXX XXXX * * * | High Balance : {$5700.00} | Date Opened : XX/XX/XXXX | Status : Charge Off These entries are being reported multiple times, creating duplications that exaggerate the negative impact on my credit profile. This is misleading, inaccurate, and in violation of the Fair Credit Reporting Act ( FCRA ) 602 ( A ), which requires maximum possible accuracy in consumer reporting. 

XXXX. Unauthorized or Questionable Credit Inquiries The following hard inquiries appear without my knowledge or authorization : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were not initiated or approved by me, and they are further damaging my credit standing without justification. 

Request for Relief I respectfully request that the CFPB investigate these issues and take corrective action to ensure compliance with the FCRA. Specifically, I request : Immediate deletion of all incorrect addresses. 

Removal or correction of all duplicate/erroneous XXXX charge-off accounts. 

Deletion of all unauthorized inquiries from XXXX XXXX and XXXX XXXX XXXX 

Written confirmation from the credit reporting agencies and furnishers once these corrections are made.

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 2025-09-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX - Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this formal complaint regarding multiple inaccurate, misleading, and unverifiable items appearing on my credit report. These entries are causing significant harm to my credit standing and financial well-being. Under the Fair Credit Reporting Act ( FCRA ), I have the right to fair, accurate, and verifiable credit reporting. The following accounts and information are in violation of that standard : Wrong Address Entries ( Unverifiable & Incorrect ) : XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX XXXX, TX XXXX These addresses are inaccurate, do not belong to me, and must be permanently removed. 

Charge-Off Accounts ( Unverified/Multiple Duplicate Entries ) : XXXX XXXXXXXX * * * High Balance : {$8500.00}, Date Opened : XX/XX/XXXX Reported as Charge Off XXXX XXXX * * * High Balance : {$8100.00}, Date Opened : XX/XX/XXXX Reported as Charge Off XXXX XXXXXXXX * * * High Balance : {$5700.00}, Date Opened : XX/XX/XXXX Reported as Charge Off These accounts are duplicate, inconsistent, and inaccurate. Reporting the same lender multiple times with different balances and open dates is misleading and unlawful under FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. 

Improper Credit Inquiries ( Unverified ) : XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize these inquiries. They are damaging to my credit profile and must be removed immediately. 

Requested Resolution : Permanently delete all inaccurate addresses. 

Delete the duplicate and unverifiable XXXX accounts. 

Remove unauthorized credit inquiries. 

Provide written confirmation of the corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
On XX/XX/year>, I applied for an auto loan refinance through Credit Karmas platform with XXXX. I was shown a loan offer at 5.04 % APR with lower monthly payments ( ~ {$1000.00} compared to ~ {$1400.00} ). The offer appeared firm, with a Take offer button. 
After I applied, the loan terms materially changed the payment and loan term were listed as unknown or were worse than what was advertised. Despite this bait-and-switch, a hard inquiry was made on my credit report. 
I contacted Credit Karma support to ask why the loan terms changed and if the hard inquiry could be reversed. They told me they could not fix it. 
I now have a negative credit impact with no valid loan benefit. This feels deceptive and unfair, as the loan terms presented during application were not honored.

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

Complaint narrative:
It is frustrating to know that my rights as a consumer are being overlooked. Like anyone else, I value my credit standing, yet the inaccuracies in my report have hurt my financial opportunities and taken a toll on my well-being. Despite my repeated attempts to address these issues, my concerns have been ignored.

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 2025-09-11 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: NV

Complaint narrative:
Dear CFPB, I am filing this complaint because the nationwide consumer reporting agencies ( Experian, TransUnion, and Equifax ) have failed to delete or correct inaccurate and/or unverifiable information on my credit reports despite several dispute letters I sent via Certified Mail with proper identification and documentation. Their responses relied on cursory verifications, did not provide the required Method of Verification, and did not address the specific reporting and Metro 2 compliance defects I identified. 
Accounts in Dispute ( appearing on my reports )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
I have Found fraudulent inquiries on my credit report XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX 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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am disputing the way DISCOVER CARD is reporting a charge-off on my credit report because they failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were required to send me both a Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ) and an Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ), yet I never received either one. The account, XXXX XXXX, with account # XXXX * * * *, reported positively for a period of time, but after delinquency it was charged off and derogatory data began appearing on my consumer report without the legally mandated warnings. The absence of a Negative Information Notice denied me the chance to address the debt before damage occurred, and the absence of an Adverse Action Notice denied me my right to review, obtain, and dispute my credit report. These failures violate the FCRA and render the charge-off reporting unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and I demand them to be investigated completely.

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