vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, my computer was hacked by a party who identified themselves as a XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX Case ID XXXX ) with phone number ( XXXX ) XXXX who accessed my computer and indicated wire transfers were being sent from my Chase account. XXXX XXXX connected XXXX XXXX XXXX supposedly with Chase ) who was to put account on High Alert and XXXX XXXX with FTC ( XXXX ID XXXX ) got involved. By the end of day, XXXX wire transfers ( first for {$22000.00} and second for {$21000.00} ) total of {$44000.00} had been sent. I received a call from my son XXXX XXXX that his account had also been hacked and we made a call to Chase Fraud Services. In further discussions, we also discovered my nephew XXXX XXXX had also been hacked. We made several calls and all three of us visited the bank and had XXXX accounts frozen. After numerous phone calls and visits to the bank, my claims and the claims by XXXX and XXXX were all denied even after we presented information confirming the hack on my laptop. They denied all because my laptop XXXX was used. Total amount {$89000.00} when wire transfer fees are included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I am disputing the following accounts reported by Experian that I believe contain inaccurate information or outdated details. 

Charged Off Accounts XXXX - XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$2100.00} XXXX XXXX XXXXXXXX - XXXX, XX/XX/XXXX, {$0.00} XXXX  XXXX XXXX - XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX  - XXXX, XX/XX/XXXX, {$6100.00} Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/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 2025-11-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/2025, I discovered a fraudulent transfer of funds from my Bank of America account. I immediately reported the issue to law enforcement, who created a report and noted that my account would be placed on hold pending closure and replacement due to the fraud. 


During the investigation, my phone number was fraudulently ported by the individual responsible for the initial theft. I worked with the Attorney Generals Office, which was able to coordinate with my phone carrier. I later received a formal letter confirming that my number had indeed been ported without my authorization. 


After this occurred, the fraudster contacted Bank of America, impersonated me, and managed to reopen the compromised account, subsequently transferring funds again. Despite providing law enforcement documentation and the confirmation of the fraudulent port, Bank of America has refused to recognize this as fraud. 


I respectfully request that Bank of America review the recordings from the calls made to reopen the account and confirm that I was not the caller, nor was I the individual who authorized the transfers. 


Additionally, I am working with XXXX, which has sent Bank of America the required 609 ( e ) documentation to request information related to the fraud. USPS records show that these documents were successfully delivered, and the fax transmissions were also confirmed. However, Bank of America continues to state that these documents have not been attached to my case. Despite numerous follow-ups, I continue to receive the same response with no progress. 


I am formally asking the CFPB to assist in facilitating communication with Bank of America. Repeatedly mailing and faxing documents has been costly and time-consuming, and I believe this matter requires a more effective resolution process to ensure my case is properly handled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX  # XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX  # XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: HI

Complaint narrative:
On XX/XX/XXXX XXXX XXXX  XXXX, someone unauthorized log in to my account and add a account to external account on my sofi account. Same day XXXX, a unauthorized ACH push ( Money transfer ) is happened, The amount is XXXX dollar, sent to XXXX XXXX XXXX  XXXX I called the dispute team immediate within XXXX minutes after the transfer happened. They asked me to wait for 10 days, and on XX/XX/XXXX they came back with the result said '' Based on our investigation, we do not find that an error has occurred. Therefore, no funds will be credited to your account as a result of your claim and this matter is considered closed. ". 
So to add a external account, the added account have to be same name and social security number with the sofi account. And i do not have any account with fifth third bank. Also I called XXXX XXXX XXXX  as well, I provided my social security number and they told me there is no account under my social security number. So sofi is allowing other person account to add to the external account even their policy require the external account have to be the same name and ssn. And they are not willing to credit back my money due to their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
DEAR CFPB/PETER ROBERTS & ASSOCIATES : I am formally disputing the accuracy, validity, and completeness of XXXX medical-related collection accounts originally attributed to XXXX XXXX XXXX XXXX  ( Balance : {$1800.00} ) and XXXX XXXX XXXXXXXX ( Balance : {$1900.00} ). These accounts are currently reported under your name or through your collection representative, Peter Roberts & Associates. 

I have no verified relationship with either original creditor and was never provided notice, billing statements, or documentation establishing my legal obligation for these alleged debts. Additionally, I have not received any explanation or records showing how the balances were calculated or transferred to a third-party collector. 

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ), Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), and HIPAA Privacy Rule ( 45 C.F.R. 164.502, 164.508 ), I am entitled to full validation of any alleged debt before it is collected or reported. This includes copies of : The original signed service authorization or billing consent ; An itemized statement showing services rendered and how the balance was calculated ; Proof of any legal transfer or assignment of the account to a third-party collector ; and Documentation demonstrating that proper HIPAA-compliant authorization exists to disclose or transmit any related medical billing information.

To date, no such documentation has been provided. Instead, I have received only generic form letters that do not constitute lawful validation under FDCPA 1692g ( b ). Reporting or collecting on an unverified or improperly disclosed medical debt violates FCRA 1681e ( b ) and 1681s-2 ( b ), FDCPA 807 ( 8 ) and 805 ( b ), as well as the CFPBs Regulation F ( 12 C.F.R. Part 1006 ). 

Courts have confirmed that unverifiable or misleading information can not lawfully remain on a consumers credit report see XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: MO

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My Venmo account has been frozen since Monday, XX/XX/XXXX. I confirmed my identity, and my email was updated, but Venmo continues to delay access to my funds despite multiple follow-ups. I depend on these funds for essential expenses ( gas, work transportation ). Ive been told to wait 35 business days multiple times without resolution

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 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: BROKER SOLUTIONS, INC.
State: LA

Complaint narrative:
Payments was made on time from XXXX XXXX XX/XX/year> and XXXX and XX/XX/year> and payment is reporting late on credit report. Reached out to lender and they have not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
I am writing to dispute the accuracy of the information listed on my credit report. Below are the accounts that I believe to be inaccurate or reported incorrectly. I am requesting a thorough investigation into these matters. 

CHARGED OFF XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00} XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$43000.00} LATE PAYMENT XXXX XXXX  Account Number : 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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, On the evening of XX/XX/year> I received a text asking me to call the Citibank fraud department. I have a checking account at Citibank. I called them and got a woman whom I could not understand. I kept asking her to repeat herself ; she spoke very quickly and then transferred me someplace else. I got another gentlemen whom I could also not understand -- the connection was very bad in both instances and their accents were quite heavy. I believe they are in XXXX. He asked me if I tried to change my password on XX/XX/XXXX. I said " XX/XX/XXXX and you are just asking me now? '' And then I said " yes ''. he said " too late, I blocked your account. You can not get access to your account. You will need to go into a branch and ask them to move your money to a new account ; they will ahve to call us. I was yelling at this point " But I told you I tried to change it ''. He said too bad. Nothing he could do. I do not think that Citibank should have blocked my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
XXXX XXXX XXXX- is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint regarding the inaccuracies and errors present in my credit report. These accounts listed below are incorrectly reported as charged-off, and I am seeking a correction of this information. Please review the details for each bureau and update accordingly. 

Charged-Off Accounts XXXX  XXXX, Date Open : XX/XX/XXXX, Balance : {$1000.00} XXXX  XXXX, Date Open : XX/XX/XXXX, Balance : {$1800.00} XXXX  XXXX, Date Open : XX/XX/XXXX, Balance : {$3600.00} XXXX  XXXX, Date Open : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$460.00} Late Payments XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: NJ

Complaint narrative:
I checked my report and noticed multiple accounts I did not authorize I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any suchdebt, in fact exists. I have copies of the certified letters and dates prepared to bring to Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any 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
Consumer complaint received 2025-11-12 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: IL

Complaint narrative:
I never opened this account, and its presence on my report is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief