vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: IN

Complaint narrative:
I am the victim of an online employment scam that resulted in fraudulent charges on my Bank of America account. I was deceived by individuals impersonating hiring professionals and manipulated into making payments under false pretenses. 

The scammers sent fabricated XXXX emails and falsified transaction screenshots claiming funds were pending and required additional payments to be released. These representations were fraudulent. 

Bank of America denied or failed to properly investigate my dispute by stating the transactions were authorized, despite the fact that they were induced through deception and fraud. I reported this scam to the Federal Trade Commission ( FTC ) and the FBI Internet Crime Complaint Center ( IC3 ) and preserved all supporting evidence. 

I am requesting that Bank of America XXXX and properly investigate these charges as 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 explanation
Consumer complaint received 2025-12-16 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: PA

Complaint narrative:
recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: FL

Complaint narrative:
I received a debt collection notice and aftwr requesting proof they are telling me they dont have my account on file. The amount is outrageous and doesn't add up. Ive requested information, but none has been given

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 2025-12-16 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: SC

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 2025-12-16 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: SC

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 non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am disputing a credit card account that was opened in my name by my ex-husband in XXXX without my knowledge or authorization. 
I first discovered the existence of this American Express account in XX/XX/XXXX. Upon learning of the account, I contacted American Express and informed them that I had not opened or authorized it. During this initial discovery, I was in shock and emotional distress and clearly stated that the account was fraudulent. 
In XX/XX/XXXX, I formally reported the account as fraud to American Express and submitted the required fraud documentation and affidavit. During my initial communications with American Express, I was not informed of my rights regarding fraud, identity theft, or liability. After disclosing that the account was unauthorized, I was asked by an American Express representative whether I would make a payment. I was not informed that making a payment could be construed as accepting liability, nor was I given any explanation of the consequences of doing so. 
On XX/XX/XXXX, American Express confirmed to me that the account had been determined to be fraudulent, would be closed, and would be removed from my credit report. 
However, on XX/XX/XXXX, I discovered that American Express had reversed its prior fraud determination without my consent or new information provided by me. The account was reopened, and the balance was once again reported to the credit bureaus. The sole reason given for this reversal was that I had made prior payments on the account. 
Those payments were made only after I had disclosed the fraud, while I was confused and distressed, and without being informed that making a payment could be interpreted as acceptance of liability. I did not knowingly or voluntarily assume responsibility for this account. 
Since American Express reversed its decision, I have taken additional steps to document and report the fraud. I have filed reports with local law enforcement and the FBI, and I have contacted American Express multiple times to dispute the account and reiterate that it was opened without my authorization. 
Despite these efforts, on or about XX/XX/XXXX, American Express again refused to accept my fraud claim, stating that my prior payments constituted acceptance of liability. 
I dispute American Expresss reversal of its original fraud determination. A payment made after reporting fraud, without proper disclosure of rights or consequences, does not constitute knowing or voluntary acceptance of liability. I am requesting that this account be reinstated as fraud, that I be relieved of all liability, and that American Express correct its internal records and credit bureau reporting accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: MD

Complaint narrative:
The U.S. Bankruptcy Court explicitly states that it does not report or share bankruptcy information with credit reporting agencies Credit Reporting Information. Despite this, a bankruptcy is appearing on my credit report. Because the source of this information can not be the court itself, the data is improperly obtained, inaccurately sourced, and unlawfully reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I am requesting CFPB assistance to require investigation, disclosure of the data source, and deletion of this improperly reported bankruptcy.

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 2025-12-16 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: MD

Complaint narrative:
The XXXXXXXX XXXX XXXXXXXX explicitly states that it does not report or share bankruptcy information with credit reporting agencies Credit Reporting Information. Despite this, a bankruptcy is appearing on my credit report. Because the source of this information can not be the court itself, the data is improperly obtained, inaccurately sourced, and unlawfully reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I am requesting CFPB assistance to require investigation, disclosure of the data source, and deletion of this improperly reported bankruptcy.

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 2025-12-16 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: NY

Complaint narrative:
paid off XXXX XX/XX/year> was told it would be removed from credit report i asked because we are trying to buy a house they said they would remove it, they did not. i called back and was cussed at and told that they would not remove it and keep it there as long as they could and did not care if i was trying to buy a house or not. was told if i wanted it removed that i would have to try to dispute it because they are going to keep it on my credit so i can not get help to buy a house, was told that he didn't care who i talked to or what i did he was not going to remove it period and if i didn't like it tuff luck. also had to have my credit report locked prior because they would not stop running my credit monthly without asking for permission

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 2025-12-16 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/year>, Bank of America reported my credit card account as XXXX days delinquent. 

After that billing cycle, credits and reversals were applied to the account that eliminated any valid payment obligation and resulted in a zero or negative balance. Despite these post-cycle adjustments, Bank of America continued to furnish a XXXX late to the credit bureaus. 

I contacted Bank of America Executive Customer Support to request correction of the credit reporting based on the accounts actual obligation after credits and reversals. Bank of America treated my request as a goodwill adjustment rather than conducting a furnisher-accuracy review of whether a payment obligation existed after the adjustments. 

Bank of America issued multiple written, template-based investigation letters stating that payments were posted correctly and that the delinquency would remain. The letters did not address whether a valid payment obligation existed after credits and reversals, nor did they reflect any individualized review of the accounts net balance or re-aging logic. 

As a result, Bank of America continues to furnish a XXXX delinquency that does not reflect the accounts actual obligation after post-cycle credits. This inaccurate furnishing is impacting my credit profile and my ability to proceed with business financing.

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 2025-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My home mortgage transferred from XXXXXXXX XXXX to Chase on XXXX. I did not request this transfer. My last payment to XXXX XXXX was paid on XX/XX/XXXX through XXXX XXXX XXXXXXXX Bill Pay. I received the new Chase account information on XX/XX/XXXX and set up the new XXXX XXXX XXXXXXXX Bill Pay at that time. Chase charged me a {$50.00} late fee, took money from my escrow account, and said I didn't pay my XXXX balance. All of my payments to XXXX XXXX were timely. I should not be penalized for an account transfer when I didn't authorize this transfer nor did I have the new account information. Any help you can provide would be appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX # XXXX -- Balance : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

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 XXXX XXXX  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 XXXX XXXX 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 explanation
Consumer complaint received 2025-12-16 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:
I am filing a complaint because XXXX XXXX continues to report a fraudulent credit card account in my name, even though I am a victim of identity theft and have lived XXXX XXXX XXXX XXXX  since XXXX. I never applied for, opened, authorized, or used the XXXX XXXX account they are reporting. 

Fraudulent Account Information : Creditor : XXXX XXXX Account Number : XXXX XXXX XXXX Date Reported Opened : XX/XX/XXXX Status reported to Experian, XXXX XXXX XXXX : Charged off {$440.00} written off ; {$440.00} past due as of XX/XX/XXXX This account is completely fraudulent. I have not lived in the XXXX since XX/XX/XXXX and have been retired abroad since that time. It is impossible for me to have opened or used any XXXX credit account after XXXX, and I have never had a XXXX XXXX credit card. 

Despite this, XXXX XXXX continues to verify and report this fraudulent account. The credit bureaus also reinserted the account into my credit file without proper notice. XXXX XXXX has not provided any evidence showing how the account was opened. 

My Attempts to Resolve This : I have already tried multiple times to resolve this directly with XXXX XXXX. I submitted written disputes, provided identity documents, an FTC Identity Theft Report, a police report, and proof that I have lived outside the XXXX since XXXX. 
XXXX XXXX refuses to correct the fraud, refuses to follow the Fair Credit Reporting Act, and refuses to provide the required documentation. They continue to verify the account as valid even though it is clearly fraudulent. 

What XXXX XXXX Did Wrong : Failed to conduct a reasonable investigation of an identity theft claim. 

Failed to provide documentation showing how the account was opened. 

Verified and continued reporting a fraudulent account. 

Allowed the account to be reinserted on my credit reports without proper notice. 

Violated the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681m and 1681s-2.

What I Want : Immediate and permanent removal of the fraudulent XXXX XXXX account from all credit bureaus. 

A full and lawful investigation by XXXX XXXX, including copies of the original application, any signatures, device/IP information, and any data used to open the account. 

Written confirmation that the account is closed as fraud and will not be reinserted. 

Correction of all credit reporting related to this fraudulent account. 

I am a victim of identity theft, and XXXX XXXX refusal to follow the law has left me with no choice but to seek CFPB 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 2025-12-16 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: NJ

Complaint narrative:
I recently reviewed my credit report and noticed that one account was not being reported correctly. Several late payments were showing on an account that was, in fact, paid on time. Credit reporting agencies are required to report all information with complete accuracy. This account has never had any late payments. I have attached a copy of my credit report to this complaint, dated XX/XX/year>. 
I request that you investigate this account and update the payments to " paid '' immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX Balance : Balance : {$15000.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX FM XXXX XXXX XXXX XXXX Balance : {$45000.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX XXXX XXXX BANK XXXX XXXX Balance : {$4200.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX XXXX XXXX BANK XXXX XXXX Balance : {$24000.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX Balance : Balance : {$15000.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX FM XXXX XXXX XXXX XXXX Balance : {$45000.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX XXXX XXXX BANK XXXX XXXX Balance : {$4200.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX XXXX XXXX BANK XXXX XXXX Balance : {$24000.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX 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 2025-12-16 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I am filing this complaint against Barclays Bank for improper handling of a Fair Credit Billing Act ( FCBA ) dispute involving charges for event services that were not delivered as agreed and were materially misrepresented. 

On XX/XX/year>, Barclays denied my dispute after stating that the merchant validated the transaction. This conclusion is inaccurate and unsupported by the facts. The merchant breached multiple terms of the contract, failed to provide contracted services, and misrepresented material aspects of the event. 

Service failures include failure to maintain proper temperature control, which caused a {$2000.00} cake to collapse ; inadequate and improperly presented catering ; misrepresentation of an unlimited bar package that ran out of alcohol and required additional charges ; unprofessional conduct by the venue owner ; and pressure to end the event early despite a contracted time of XXXX XXXX PM. 

Despite receiving evidence of these breaches, Barclays relied solely on the merchants assertions and failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1666. Under the FCBA, charges for services not delivered as agreed or misrepresented constitute a billing error. 

I am requesting that Barclays reopen and properly reinvestigate my dispute ( Case ID : XXXX XXXX ), provide all documentation and reasoning relied upon in denying the dispute, reinstate the provisional credit, and refund the full disputed amount of {$4600.00}. I also request confirmation that no negative credit reporting will occur during review. 

Supporting documentation, including the contract, photos and videos, communications, witness statements, proof of damage, and a detailed timeline, will be uploaded as supplemental evidence.

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