vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: UT

Complaint narrative:
Fraud, Forgery & Identity Theft vs. Chase Bank and XXXX Description of the problem : I am the victim of identity theft and forgery involving a fraudulent debt originally created with Chase Bank and later transferred to XXXX ( XXXX ) through a balance transfer. 
In 2022, a third party, XXXX XXXX, forged my XXXX signature on a lease agreement and completion report to make it appear that services had been rendered. These falsified documents were used by the merchant to convince Chase to reinstate a {$12000.00} charge that I had already disputed as goods and services not received. 
I supplied Chase, XXXX, and the credit bureaus with : A police report ( XXXX XXXX XXXX, # XXXX ) showing forgery and identity theft An FTC Identity-Theft Report ( IdentityTheft.gov ) Genuine XXXX certificates proving the disputed lease and completion report were never executed in my XXXX  account Chase has acknowledged the existence of forged documents but stated that the forgery occurred after the charge and therefore the charge is valid. 
This is factually and legally incorrect. The merchant, XXXX XXXX, responded to my original dispute by forging a lease agreement and completion report to trick Chase into reinstating the charge. 
Therefore, the fraud directly influenced Chases decision to deny my dispute. That means the billing error and investigation outcome were both based on forged evidence a clear violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ( a ) ). Under that law, once a consumer identifies a billing error ( goods/services not received ), any subsequent verification must be based on legitimate documentation. 
If the evidence is forged, the merchants claim and the resulting balance is void. 
The forged documents directly determined the outcome of my billing dispute and caused continued reporting of an invalid balancenow $ XXXX my XXXX account. Neither Chase nor XXXX has produced authentic authorization data proving I agreed to the disputed transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am a long-time USAA member disputing fraudulent credit-card charges that occurred XXXX XXXX XXXX totaling {$760.00}. 
Despite filing a XXXX Police Department report ( # XXXX ) and an FTC identity-theft report ( # XXXX ), USAA re-debited my account, claiming that because I had the card in my possession, I made the charges. The transactions occurred within roughly XXXX hours across multiple merchants in XXXX, XXXX, XXXX, XXXX, and XXXX it physically impossible for one person to complete them all. 
No merchant receipts, timestamps, or surveillance footage were reviewed or disclosed. In 2025, XXXX XXXX, acting on USAAs behalf, issued a {$320.00} check citing inconsistent bank processes. This partial restitution confirms internal acknowledgment of error but did not cover the full amount or correct the flawed investigation. 
In XX/XX/year>, XXXX from USAAs CEO Office called me. During our conversation, she reaffirmed the prior decision that I made the charges because I had possession of the card, without addressing the clear regulatory non-compliance or the missing transaction timestamps and merchant-location data that prove physical impossibility. When I attempted to send a follow-up email to her for written documentation, the address provided was invalid and my message bounced back. 
Regulatory non-compliance : USAA failed to perform a reasonable investigation as required by Regulation Z ( 12 C.F.R. 1026.13 ) and Regulation E ( 12 C.F.R. 1005.11 ), which mandate review of relevant evidence ( such as time, location, and merchant data ) before assigning liability. 
By denying my claim without reviewing timestamps, location data, or police documentation, USAA violated the CFPBs UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) standards under 12 U.S.C. 55315536.

The invalid executive-office contact channel further obstructed my ability to obtain timely written acknowledgment as required under 12 C.F.R. 1026.13 ( d ) ( 1 ). 
I request : Full reimbursement of the remaining {$440.00} plus any related interest or fees. 
Copies of all merchant timestamps, investigation records, and internal correspondence between USAA and FTI Consulting.

Regulatory review of USAAs fraud-investigation and executive-escalation procedures for compliance with Reg Z, Reg E , and UDAAP .

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 2025-10-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid on XX/XX/year> the exact amount of {$3000.00}. Receipt is attached. 

But as usual, the bank did not post the payment. Instead, the collection called saying that there was no XXXX payment.

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 2025-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: IL

Complaint narrative:
I'm writing in because selene finance keeps stating that my account isn't closed. I spoke to someone on XX/XX/XXXX and during that call I was told nothing about the payoff amount reaching them a so- called day late. I was also told they would speak to my closing attorney because she took my attorney 's information that day. Today I received another call from selene finance and this representative stated my loan wasn't closed and they haven't received my payoff payment. The representative stated that maybe my attorney is holding it. I then told her that's not true! There's no way because I spoke with my attorney on XX/XX/XXXX and she did in fact send it in and in full. XXXX stated to me to make sure I give them her information, which I have, XXXX  now. Then the representative stated that she saw the payoff and the real reason it hasn't been closed is because they received the full payoff amount a day late. I then told her to contact my lawyer and she took all of XXXX 's information, only to say she can't talk to her. Why take the information then? Next, the representative stated that my credit is gon na take a hit because the loan hasn't been officially closed. I almost feel like she was trying to intimidate me into paying by using my credit. When I asked how much the difference was, she couldn't tell me. She said that's up to her XXXX. This company is horrible!! To date, I have XXXX previous complaints filed with your company and the BBB. They " forced me into foreclosure back in XXXX, which we made it out of that mess only to be told years later that we're short on escrow. Selene finance has tried consecutively XXXX years in a row now to get extra money out of me. They've stated my escrow was short. Back in XXXX of XXXX I was supposedly {$2000.00} short and again in XXXX of XXXX I was supposedly short {$2200.00}. They tried raising my mortgage by almost {$200.00} last XXXX. After your company got involved they only raised it by {$67.00}. I have screenshots of all of that. This finance company is always scheming trying to get money out of people or take their homes. If you look up their XXXX reviews, you'll see it for yourself. It's like I'm done with them, but they keep calling harassing me. I told them last XXXX that I would sell my home and go through all that stress and physical pain of having to move before they got any extra money out of me... and I did!! I'm tired of their petty conniving behinds!! They are unprofessional and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NV

Complaint narrative:
I am disputing inaccurate reporting on my credit report. My account with XXXX XXXX XXXX XXXX is reported with a balance of {$12000.00} and as charged off, but XXXX confirmed in writing that the correct balance is {$12000.00} and the account has not been charged off. They also never issued a Form XXXX. I have attached the XXXX letter and a screenshot of my credit report showing the errors. Despite my attempts to have this corrected, the credit bureau continues to display the wrong balance and status. I request that the bureau update my credit report to reflect the accurate balance and account status. 
Related complaint : I am also filing a complaint against XXXX XXXX XXXX XXXX for reporting incorrect data. 
Cfpb # 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 2025-10-22 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: NV

Complaint narrative:
I am disputing inaccurate reporting on my credit report. My account with XXXX XXXX XXXX XXXX is reported with a balance of {$12000.00} and as charged off, but XXXX confirmed in writing that the correct balance is {$12000.00} and the account has not been charged off. They also never issued a Form XXXX. I have attached the XXXX letter and a screenshot of my credit report showing the errors. Despite my attempts to have this corrected, the credit bureau continues to display the wrong balance and status. I request that the bureau update my credit report to reflect the accurate balance and account status. 
Related complaint : I am also filing a complaint against XXXX XXXX XXXX XXXX for reporting incorrect data. 
Cfpb # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NV

Complaint narrative:
I am disputing inaccurate reporting on my credit report. My account with XXXX XXXX XXXX XXXX is reported with a balance of {$12000.00} and as charged off, but XXXX confirmed in writing that the correct balance is {$12000.00} and the account has not been charged off. They also never issued a Form XXXX. I have attached the XXXX letter and a screenshot of my credit report showing the errors. Despite my attempts to have this corrected, the credit bureau continues to display the wrong balance and status. I request that the bureau update my credit report to reflect the accurate balance and account status. 
Related complaint : I am also filing a complaint against XXXX XXXX XXXX XXXX for reporting incorrect data. 
Cfpb # 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 explanation
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
I am submitting this complaint regarding my account with XXXX XXXX ending in XXXX, which currently shows a balance of {$450.00} and a date of last activity of XX/XX/XXXX. Upon reviewing my credit report, I noticed that multiple late payments are inaccurately reported. The account currently reflects late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX through XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Based on my records, these months and the reported severity of delinquencies do not accurately reflect my actual payment history. 
Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), furnishers are required to provide complete and accurate information to credit reporting agencies. The reporting of these late payments does not meet this standard, and I am requesting a correction to ensure the account accurately represents my payment history. 
Furthermore, FCRA 623 ( a ) ( 1 ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) obligates creditors to correct any information they determine to be incomplete or inaccurate. I am confident that a review of my records will show these discrepancies, and I respectfully ask that XXXX XXXX fulfil its legal duty to update the account. 
I also rely on FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), which grants me the right to dispute inaccurate information and ensures that credit reporting agencies investigate and promptly correct any errors. The incorrect reporting of these late payments negatively impacts my financial standing, and correcting this information is essential. 
Finally, FCRA 605 ( a ) ( 15 U.S.C. 1681c ) emphasizes that obsolete or inaccurate information should not be reported in a way that unfairly harms a consumer. Some of the late payments listed on my account are inconsistent with my records and should be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
I am submitting this complaint regarding my account with XXXX XXXX ending in XXXX, which currently shows a balance of {$450.00} and a date of last activity of XX/XX/XXXX. Upon reviewing my credit report, I noticed that multiple late payments are inaccurately reported. The account currently reflects late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX through XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Based on my records, these months and the reported severity of delinquencies do not accurately reflect my actual payment history. 
Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), furnishers are required to provide complete and accurate information to credit reporting agencies. The reporting of these late payments does not meet this standard, and I am requesting a correction to ensure the account accurately represents my payment history. 
Furthermore, FCRA 623 ( a ) ( 1 ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) obligates creditors to correct any information they determine to be incomplete or inaccurate. I am confident that a review of my records will show these discrepancies, and I respectfully ask that XXXX XXXX fulfil its legal duty to update the account. 
I also rely on FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), which grants me the right to dispute inaccurate information and ensures that credit reporting agencies investigate and promptly correct any errors. The incorrect reporting of these late payments negatively impacts my financial standing, and correcting this information is essential. 
Finally, FCRA 605 ( a ) ( 15 U.S.C. 1681c ) emphasizes that obsolete or inaccurate information should not be reported in a way that unfairly harms a consumer. Some of the late payments listed on my account are inconsistent with my records and should be corrected immediately.

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 2025-10-22 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: GA

Complaint narrative:
I reviewed my credit report and noticed several credit inquiries that I did not authorize or initiate. These inquiries appear to have been made without my consent or a permissible purpose under the Fair Credit Reporting Act ( FCRA ). I am requesting that these inquiries be investigated and permanently removed from my credit report.

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 2025-10-22 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-10-22 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: DE

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-10-22 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: MO

Complaint narrative:
I am submitting this complaint to dispute inaccurate reporting of late payments on several accounts that are negatively affecting my credit profile. The accounts in question are as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$810.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$3300.00} LATE CLOSED ( INCLUDED IN REGULAR ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Upon reviewing my credit report, I discovered that these accounts have been reported with late payment entries that are inconsistent with my actual payment history. I have maintained timely payments and never exceeded the due dates reflected in my account records. These inaccurate notations create a misleading impression of my financial responsibility. 
Under the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning consumers. Furthermore, FCRA Section 611 ( a ), 15 U.S.C. 1681i ( a ), grants me the right to dispute any information I believe to be inaccurate or incomplete and to have it corrected within a reasonable time frame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: MO

Complaint narrative:
I am submitting this complaint to dispute inaccurate reporting of late payments on several accounts that are negatively affecting my credit profile. The accounts in question are as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$810.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$3300.00} LATE CLOSED ( INCLUDED IN REGULAR ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Upon reviewing my credit report, I discovered that these accounts have been reported with late payment entries that are inconsistent with my actual payment history. I have maintained timely payments and never exceeded the due dates reflected in my account records. These inaccurate notations create a misleading impression of my financial responsibility. 
Under the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning consumers. Furthermore, FCRA Section 611 ( a ), 15 U.S.C. 1681i ( a ), grants me the right to dispute any information I believe to be inaccurate or incomplete and to have it corrected within a reasonable time frame.

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 2025-10-22 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: AR

Complaint narrative:
This follow-up concerns a dispute I filed under FCRA 611 ( 15 U.S.C. 1681i ) regarding a tradeline on my credit report that is not mine. Despite submitting proof that the account was fraudulently reported and does not belong to me, the credit bureau has failed to complete a reasonable reinvestigation. The disputed account is still reporting with no changes or justification, and I have not been provided with any documentation of the verification process or the source of the data. This lack of action is a direct violation of my right to an accurate and fairly investigated credit report.

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