vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
Formal Dispute of Inaccurate Information Cavalry Portfolio Services Account Account No. : XXXX, I am formally disputing inaccurate information currently appearing on my credit report regarding an account being reported by Cavalry Portfolio Services , LLC. 

Cavalry claims that a last payment was made on XX/XX/year> on this account. After carefully reviewing my bank statements and financial records, I have confirmed that no such payment occurred. This makes the information being reported factually inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Requested Action : Please conduct a reinvestigation of this account.

Require Cavalry to provide documented proof of the alleged XX/XX/year> payment. 
If Cavalry can not provide verifiable proof, the inaccurate information must be deleted from my credit report immediately. 

Enclosed are copies of my supporting documents ( bank statements showing no payment activity in XX/XX/year> ). 

Please provide me with written confirmation of your reinvestigation results within XXXX days, as required by law. 

I have proof from my bank cant Calvary send its proof PLEASE! I need this removed Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: GA

Complaint narrative:
For several months ( XXXX ) now this year, I have requested experian to do their job and remove this fraudulent reporting by XXXX XXXX. They continue to say it is verified and update the late status. If they actually did their job or could add, they would see that the amounts paid are more than the last payment they claim to be due. I have been denied credit because of this.

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 2025-09-03 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support 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
Consumer complaint received 2025-09-03 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: VA

Complaint narrative:
ive received an inquiry on my account that i did not authorize. on XX/XX/year> as soon as i got an alert I contacted Transunion over the phone to help get removed. please help me get this fraudulent inquiry removed. 

the inquiry is from a company listed as TAB/MISSION. i have no idea what company that is. ive never used them or contacted them ever. 

please remove this inquiry immediately. thank 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 explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
We like to file an appeal request case no XXXX i had chest pains that led to an ER visit a few days before our trip. His doctor had recommended that he not fly and go on the trip due to a potential increase in severity of these symptoms. We cancelled the trip due to his doctor 's recommendation ( see letter ). We followed our doctors ' orders and cancelled the trip due to potential XXXX XXXX so I believe we should be eligible for a full refund of our trip.

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 2025-09-03 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
I need to enclose my name it's XXXX XXXX nd I have an active case with you guys but didn't know how to add additional new information. The XXXXfifth Third back recently denied my claim due to outrageously stupid reasonings # XXXX being multiple same charges ( I never made shared prior to these gates {$2.00} unique information that is so broad it comes down to this I was incarcerated from XXXX any charges made were made by outside computer phone whatever all you need to do is track up address all shares were made online I find this ridiculous I will try to attach letter but don't know how

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I disputed an unauthorized transaction of $ [ XXXX ] on [ XXXX XXXX ] from my Bank of America checking account. In compliance with Regulation E, the bank initially provided provisional credit while they investigated. However, on XX/XX/year>, Bank of America reversed that provisional credit without providing me with a written explanation of their findings or copies of any documentation they relied on. 

Under Regulation E ( Electronic Fund Transfer Act, 12 CFR Part 1005 ), banks are required to : XXXX. Provide provisional credit during an investigation if more than XXXX business days are needed. 
XXXX. Give the consumer a written explanation of the findings before reversing provisional credit. 
XXXX. Provide copies of the documents relied on, if requested. 

I requested this information from Bank of America, but they did not provide it. Their actions left me without the required protections under Regulation E. 

I am requesting CFPB enforcement of my rights under Regulation E, reinstatement of my credit, and a full written explanation of the banks decision, including supporting documentation.

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 2025-09-03 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 just recent looked at my Credit Report XX/XX/XXXX. I saw some hard Inquiries that did not have permissible purpose. I also attached Identity Theft Report. 

XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX CARD ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiries has no permissible purpose to be on my report. Delete This inquiries due to violation of 15 USC 1681b

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts or inquiries, they do not belong to me and are the result of fraud. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse it
em of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse it
em of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2025 Subject : Formal Complaint Against JPMorgan Chase Bank for Unexplained Closure of Personal Checking Account XXXX XXXX Customer Dear [ CFPB/OCC ] Complaint Review Team, I am filing this formal complaint regarding the unexplained closure of my personal checking account ( number XXXX ) by JPMorgan Chase Bank , N.A . on XX/XX/2025, without prior notice or explanation. This closure has significantly disrupted my personal finances, and I seek your assistance in investigating and resolving this matter. 
As a Chase customer for almost XXXX  years, with no prior issues, overdrafts, fraud reports, or policy violations, I am unclear why my account was closed. I reside at the same address as my father, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ), whose personal and business accounts were similarly closed but reopened after his appeals to Chases executive office ( Case ID XXXX ) and complaints to your agencies. I have worked in law enforcement for the last XXXX  years. The lack of notice or explanation for my account closure may violate federal regulations requiring banks to disclose reasons for adverse actions. 
I respectfully request : Investigation of Chases actions for potential violations of consumer protection laws. 
Reinstatement of my personal checking account ( XXXX ). 
A written explanation for the closure, including steps to prevent future issues. 

Attached are relevant documents, including any account statements ( if available ) and correspondence with Chase. Due to the closure, I may be unable to access recent statements, but I can provide additional information as needed. Please contact me at XXXX or XXXX. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
had problems getting on line to pay bills with Harbor freight / synchrony bank.Called an talk to agent in kept on to pay bill before she could problem. Had a problem under standing her English and ask to speak to a manger. He couldn't fix it and transfer me to a defer department. the said there was no problem and still COULD NOT pay on line. went to local Harbor freight store the FUSED to expect payment! Now charging me late fees and insterest on late fee. They DING me credit report XXXX points. They all some have my XXXX 's account which I pay off of {$1800.00}. dollar and charging my intersect due on XXXX that has went up from XXXX to XXXX! MY XXXX account I over paid has a XXXX balance with no credit showing.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I, ................. was making payments consistently of {$560.00} from XXXX to XXXX until XX/XX/XXXX of this year XXXX i explained to them in my 1st 2-3 years of making payments that i am paying exceedingly too much for a XXXX XXXX dollar vehicle i proceeded to pay my car note because the denied me multiple times of me requesting to refinance, inevitably i paid {$43000.00} and as a result after i made my last payment during which they were harassing me for payments from Capital One calling service XXXX sending emails and letters which was stressful, as i made my last payment of {$390.00} i cheched my credit, Capital One decided to change my total amount of payments to {$25000.00} their interest they received from me was {$18000.00} this is unacceptable.........

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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

1681c2 ) that you, the TransUnion 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 : INQUIRIES : XXXX Date : XX/XX/year> 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, as proof from the US 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 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 2025-09-03 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/2025, I received a XXXX XXXX XXXX from XXXX ( order # XXXX ). Within XXXX hours of delivery, I notified XXXX via email that the item was damaged in shipping. The remote was broken, and the main unit was non-functional. 

From this point, XXXX repeatedly failed to fulfill its basic responsibilities as a retailer, leading me to file a credit card dispute which was denied by Citi. 

Below is a timeline of events and XXXX 's actions : XX/XX/2025 : XXXX 's first response to my report of a damaged product was to refer me to a manufacturer 's warranty claim, despite my informing them that the damage occurred in shipping. 

XX/XX/2025 : After a month of a non-functional unit and two failed attempts by XXXX to fix it by sending replacement remotes, I requested a full refund due to the unit being damaged on arrival. 

XX/XX/2025 : XXXX again refused to accept a return for the damaged item, instead directing me back to the manufacturer for a warranty claim. 

XX/XX/2025 : XXXX explicitly refused to accept a return, citing a hygiene policy, and proposed a " 30-day trial '' with the manufacturer instead of taking responsibility. This was a damaged-on-arrival issue, not a " satisfaction '' issue. 

I filed a dispute with Citi, providing documentation that XXXX refused to accept a return for a damaged item and referred me to the manufacturer. The dispute was denied by Citi on the grounds that " the merchandise is still in your possession. '' This is not a valid reason to deny a chargeback for a product that arrived damaged and which the merchant would not accept as a return. 

I have a complete email chain documenting every step of XXXX 's refusal to fulfill its role as a retailer, from the initial delivery report to their final denial of a return. I am seeking to have Citi reverse its decision and complete the chargeback based on the clear evidence that the merchant failed to provide a new, functional product.

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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation