vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: WA

Complaint narrative:
I am filing this complaint because my credit file continues to display unauthorized hard inquiries that were made without my knowledge or consent. 
Under the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ), a permissible purpose is required for any hard inquiry. None of these inquiries were authorized by me, nor were they connected to any legitimate extension of credit. Their continued presence on my report is therefore a direct violation of federal law. 
The following inquiries are unauthorized and must be permanently deleted : 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 I have already disputed these items directly with [ Credit Bureau ], providing both my written dispute and a copy of my official FTC Identity Theft Report. Despite my compliance with the legal process, the bureau has failed to block and remove these inquiries as required under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

This non-compliance has caused measurable harm to my financial life : My credit score remains artificially low due to inquiries I never authorized. 

I am being denied credit opportunities. 

When I do receive approvals, I face higher interest rates and less favorable terms. 

These violations have placed me at risk of further identity theft and financial damage.

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 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
My credit report includes collection accounts that I believe contain incorrect or inaccurate information. According to my rights under 15 USC 1681e ( b ) and 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting a full review of these entries, and if they can not be verified as accurate, I ask that they be removed from my 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 non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
back in XXXX while i was out of town working, i decided to open a checking account online with bank of America, they proceeded to send me my debit card which i received in the mail, when i tired activating my card it was giving me error codes. i went to the bank and they told me that my account was closed per the decision of bank of America. 
when i tried calling and getting an explanation all they told me is that the decision was final but i never got a clear answer, i have never banked with bank of America before nor ever done business with them. fast forward to XXXX i tried opening an account with them and i tried doing this at the branch in person and i brought my forms of identification with me, the banker is flabbergasted to know that its still asking me to verify myself while i am literally sitting in front of him with my identification, once they input my information it proceeded to decline my application which the banker did for me, they DID NOT get a consumer report error, they gave me a number to call, i called the number and they said that bank of America made the decision not to bank with me and that is why my account was closed back in XXXX. WITH NO EXPLINATION. i just want to be treated fair as a customer, i have never even had the opportunity to bank with them and that made it feel like they were judging me as a customer, i have never violated any terms or ever even had any account with them prior to opening an account with bank of America in XXXX i just want the opportunity to bank with them as it is in my convenience because i am handicap and the bank is close to my house. i just want to know if there is anything that can be done to overrule that decision of them not wanting to bank with me.

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 2025-09-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/year> I got XXXX months same as cash with Rooms to Go/Synchrony Bank . Synchrony Bank determined the minimum payment each month. In XX/XX/year> I received a credit from Rooms to Go that appeared on my statement from Synchrony bank ; however, the minimum payment was not adjusted to reflect the credit. I called Synchrony 's customer service to ask for a payment adjustment. The payment should have been adjusted to {$71.00}, but Synchrony would only adjust it to {$73.00}. I was told to wait XXXX  months for this to be adjusted in their system. I asked to speak to a supervisor and this request was refused. I did not wait and sent {$73.00} on my due date. In my mind, the payment should have been adjusted when the credit was received. I have continued to make {$73.00} payments every month on the due date. When Synchrony received my payment in XXXX, I was charged a {$30.00} late charge. The payment was not late. In XXXX I was charged {$41.00} late payment again along with {$2.00} interest. XXXX was {$41.00} late fee and {$2.00} interest. XXXX was {$41.00} late fee and {$3.00} interest. XXXX was {$41.00} late fee and {$5.00} interest. Synchrony reported to XXXX  that I was delinquent and made late payments sending my credit score down around XXXX points. I am honoring my contract. Synchrony Bank is not.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: IL

Complaint narrative:
Jefferson Capital Systems Dispute Letter [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] XXXX, Il XXXX XX/XX/year> To Whom It May Concern, I am formally disputing the Jefferson Capital Systems account ending in XXXX. Jefferson Capital has not provided documentation from the original creditor or assignment records proving its legal right to collect on this account. 
Reporting this account without proper validation is a violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 3 ). Under FCRA 611 ( a ), I am requesting that this account be investigated and removed from my credit report if it can not be fully verified with proper documentation. 
Please provide written confirmation of the results of your investigation. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is another complain regarding the first complain XXXX chase closed my credit card account due to inactivity and it should be an option to reopen it thats what is says on their website since its only inactivity and no other problem like fraud for example Ill include a photo from their website

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I was the victim of a fraud scheme in which scammers impersonated XXXX support. They knew details about my XXXX accounts and pressured me over the phone, telling me my accounts would be hacked and that their job was on the line if I didnt follow their instructions. Under this intimidation, they directed me to download an app called XXXX and make payments through XXXX XXXX to supposedly cancel out hackers. Out of fear for my business and personal accounts, I followed their instructions. 

XXXX transactions went through, totaling {$600.00} ( {$450.00} and {$140.00} ). I received no goods or services, and when I told the caller I saw the charges, they immediately hung up. The so-called merchant later told me to go to the FBI instead XXXX offering any resolution. 

I called USAA within five minutes of the transactions. The initial representative was helpful and filed it as fraud, and I was issued provisional credits. Later, USAA reversed those credits without mailing me a letter ( only a message buried in the app inbox ), saying it was non-fraud since I used XXXX XXXX on my own device. I was not aware my credits had been reversed until my account went negative. After weeks of calling and following up, USAA issued a final denial, categorizing it as a merchant dispute and telling me there was nothing more they could do because it was a liability. 

This is incorrect. I was deceived, coerced, and misled into making these transfers under fraudulent misrepresentation and intimidation. I never received any benefit from the transactions, and the merchant is clearly illegitimate. 

According to Regulation E ( 12 CFR 1005.2 ( m ) ), an unauthorized electronic fund transfer is defined as one initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. That is exactly what happened in this case. Although I technically entered the payment, I did so under fraudulent misrepresentation, and I received no benefit whatsoever. 

Ive uploaded to USAA portal online the phone records of me being on the phone with the scammer at the time of the incident. USAA has refused to provide me with the merchant documents they relied on to deny my claim, has failed to send proper written notice by mail, and has refused to reopen the case despite new information. This mishandling has left my account negative and caused significant financial and emotional stress during an important time in my life.

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 2025-09-17 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: AL

Complaint narrative:
I am disputing the late payment reported on my credit file, as it is inaccurate and does not reflect my consistent record of on-time payments. This erroneous entry misrepresents my financial responsibility and unfairly harms my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
XXXX XXXX XXXX Bypassing CFPB with recycled evidence ; no transaction-level proof under Regulation E ( New complaint, related to prior case ( s ) This complaint is related to my ongoing dispute with XXXX XXXX XXXX but concerns a separate issue : the banks improper handling of evidence and attempt to bypass CFPB oversight. I am filing this as a new complaint so there is a clear record of this misconduct and so CFPB receives the attached Exhibit I. 

Details/ Narrative : On XX/XX/XXXX, XXXX XXXX XXXX sent me materials outside of the CFPB portal that it claims support its denial of my Regulation E dispute. The materials consisted of : A call transcript dated XX/XX/XXXX, showing I confirmed a handful of early charges. 
Fraud system ( XXXX ) text logs with vague entries ( e.g., all transactions confirmed valid ) that do not identify specific transactions, merchants, or amounts. 

This is not new evidence. The bank relied on this same reasoning during a call with me on XX/XX/XXXX, when I was told my dispute was denied. At that time, I explicitly stated that this explanation was not sufficient under Regulation E because it does not provide transaction-level proof for each disputed charge. The bank has simply repackaged old information and attempted to send it directly to me instead of submitting it transparently through the CFPB portal. 

If XXXX XXXX XXXX were confident that these materials constitute valid authorization evidence under Regulation E, it would have expedited them through CFPB to swiftly resolve my complaint. Instead, the bank attempted to bypass CFPB oversight, which undermines transparency and suggests a lack of confidence in its position. 

To be clear : I have consistently acknowledged that I authorized a handful of early transactions. The call transcript reflects that. However, those acknowledgments do not authorize the XXXX additional transactions that I disputed on XX/XX/XXXX. Regulation E requires the bank to provide transaction-level authorization evidence for each disputed charge. Generic fraud notes and an early confirmation call do not meet that standard. The XXXX logs show only XXXX inbound SMS confirmations ( XX/XX/XXXX and XX/XX/XXXX ) and do not list transaction identifiers, merchants, or dollar amounts ; they can not be stretched into blanket consent for dozens of later charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: VA

Complaint narrative:
I am disputing the late payment listed on my credit report, as it does not accurately reflect my payment history. I have consistently made timely payments, and this false reporting unfairly misrepresents my financial behavior and damages my credit profile.

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 2025-09-17 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: NY

Complaint narrative:
This is a formal complaint against Equifax for its refusal to remove an account from my credit report that is the result of identity theft. Despite providing Equifax with all the necessary documentation, including an Identity Theft Report, the fraudulent account remains on my credit file. This ongoing refusal is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The fraudulent account is XXXX XXXX {$110.00} account ending in XXXX. 

Equifax 's failure to act promptly and effectively is causing significant financial and personal harm, including a negative impact on my credit score and the denial of credit applications. This situation must be rectified immediately. 

Relevant FCRA Laws : The following provisions of the Fair Credit Reporting Act ( FCRA ) are pertinent to this complaint : 15 U.S.C. 1681c-2 ( FCRA Section 605B ) : This section specifically requires a consumer reporting agency ( CRA ), like Equifax, to " block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. '' This block must occur within four business days after receiving : Appropriate proof of the consumer 's identity. 

A copy of an identity theft report. 

The identification of the specific fraudulent information. 

A statement from the consumer that the information is not related to any transaction they conducted. 

15 U.S.C. 1681i ( FCRA Section 611 ) : This section outlines a consumer 's right to dispute inaccurate information. It requires the CRA to conduct a " reasonable investigation '' of the disputed item and, if the information is found to be inaccurate, incomplete, or unverifiable, to " promptly delete '' it or correct it.

I have fulfilled all of the requirements of FCRA 605B by providing Equifax with the necessary documentation to prove that the account in question is a result of identity theft. Equifax is in direct violation of this law by failing to block the reporting of this fraudulent account. 

I request that the CFPB investigate this matter and compel Equifax to comply with the law by immediately and permanently removing the fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I made a purchase through XXXX via XXXX. When I received the merchandise, it was very poor quality, the sizing was horrible and it smell terribly of chemicals. I immediately went on XXXX and requested did a refund be processed. I received a message stating that I would receive a return label. I did not. I attempted to contact the company through XXXX and kept getting sent to the XXXX  Website. I contacted this company through their website, via email, and by telephone. I was told I have to go through XXXX. I was not able to go through XXXX because it said my return was processed but my label is never received. The only contact information they kept providing was sending me back to the company website. I worked with my credit card company and reported this as fraud. They investigated and determined that I had to make the payment because the company sent the merchandise and I received it. I never said I didn't receive the merchandise and anytime to anyone. I said I wanted to return the merchandise because it was poor quality. All I wanted was return label and a subsequent refund. The credit card company determined that since I received the merchandise I had to pay for it. That was never the issue the issue was I want to return the merchandise and receive a refund. No one was able to help me. I sent the merchandise directly to the company president which is actually a company called XXXX XXXX  out of new york. I sent it to the corporate address. No one responded, called refunded etc. I sent a follow-up letter to the president of the company at their corporate addressing you've got my merchandise please send my refund. Still nothing. Now I no longer have the merchandise that I paid for and no refund. I believe that Capital One should have helped me with this. They should have been able to get the contact information for the company and get me the return label that I was requesting. Instead they said sorry you have to pay for it end of story. I want to return it and receive a refund. I told them again and again they were not helpful at all. In fact when I called Customer Service fraud again a gentleman got quite crossed with me and began to raise his voice. He told me they already helped me in the claim was closed and there was nothing he could do. I demanded to speak with a supervisor he refused to send me to one.

Company response to consumer: Closed with monetary relief