vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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.

Complaint narrative:
Between XXXX and XXXX, I availed several short-term personal loans ( typically for 30-day tenures ) through various Digital Lending Apps ( DLAs ) associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The disbursed amounts were often low, but the effective cost was extremely high due to opaque fees and interest rates.violating XXXX XXXX XXXX norms in XXXX. 

The critical issue is that no valid Key Fact Statement ( KFS ), as mandated by the XXXXXXXX XXXX Digital Lending Guidelines, was provided before the loan contract was executed. Any subsequent " agreement '' was an auto-generated document from the app, created without my explicit consent or verification, making the loans non-compliant and voidable. 

Upon discovering these unauthorized and non-compliant entries on my TransUnion XXXX report, I filed a dispute. While some accounts linked to XXXX XXXX XXXX were subsequently removed, the other XXXX confirmed the accounts as " correct. '' My repeated disputes highlighting the absence of a mandatory XXXX and the predatory nature of the loans have been dismissed by the credit institutions, who continue to furnish this inaccurate data to the credit bureau. The core problem remains that these loans, lacking a legally valid agreement, are unenforceable and should not be reported on my credit history.These non complaint entries somehow gained ways through TRANSUNION XXXX report violating XXXX norms but still entering default in

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally dispute Bank of Americas decision to honor only a portion of my fraud claim. The transactions in question occurred while I was XXXX and had no access or control over my account during that period. 

Despite submitting official documentation from XXXX XXXX confirming my XXXX dates, only half of my claim was approved while the remaining portion continues to be denied without sufficient explanation. I respectfully request a full review and reconsideration of my case, as I have provided clear evidence that the disputed transactions were unauthorized and occurred beyond my control. 

Please provide a written explanation for the partial denial and the steps needed to resolve the remainder of 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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have been set up for automatic payments since I got my XXXX. I never logged online to look at anything. I was told when I got the XXXX that its 0 % interest so I didnt bother with it. Well now I was charged for over XXXX what I owed on the card. I had a baby when the account got XXXX so I was busy. I switched my email address so wasnt aware time was coming up. When I contacted customer service I was told they cant do anything. Your company is literally stealing from someone that made every payment on time.

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 2025-11-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
PLEASE SEE RECENTLY CLOSED COMPLAINT AGAINST BARCLAYS BANK REGARDING MY REQUEST TO RESET MY PASSWORD TO ACCESS MY ACCOUNT. THEY REQUIRED SEVERAL PIECES OF IDENTIFICATION WHICH I PROVIDED VIA FAX ATTENTION : XXXX AT XXXX XXXX XXXX XXXX, BARCLAYS. XXXX ADVISED ONCE RECEIVED AND VERIFIED ALLOW 7-10 BUSINESS DAYS FOR RESOLUTION TO ACCESS THE ACCOUNT BUT ITS BEEN 13 BUSINESS DAYS AND STILL NO ACCESS. FAX SENT XX/XX/year> & AGAIN TODAY XX/XX/year>. ALL MY IDENTIFYING INFO IS VALID, AND CONFIRMS WHO I AM. IT WAS ALREADY UNCOMFORTABLE SENDING THESE DOCUMENTS BECAUSE SOMEONE COULD DEFINITELY USE THEM TO STEAL MY IDENTITY & THIS SURE SOUNDS FISHY. THERES ABSOLUTELY XXXX REASON I CAN NOT ACCESS MY ACCOUNT TO PAY, VIEW BILLS, CHECK BALANCES ETC., GLAD MY LAST PAYMENT WAS AUTO PAID COUPLE OF DAYS AGO AS I WILL NEVER EVER DO BUSINESS WITH BARCLAYS AGAIN. NOT ONE COMPANY EVER SETS UP ACCOUNTS TO RESET PASSWORDS BY CLAIMING TO SEND A LINK VIA EMAIL TO USE WITHIN 15 MINUTES BUT THEY NEVER SEND IT AND IF THEY DO ITS 30 MINUTES LATER TOO LATE TO ENTER THE CODE TO RESET THE PASSWORD AND DONT THINK ABOUT CALLING CUSTOMER SERVICE FOR ASSISTANCE BECAUSE THEY ARE NOT EVEN IN THE XXXX AND ABSOLUTELY DO NOT KNOW WHAT THEY ARE DOING.ESPECIALLY TELLING ME TO CALL CREDIT BUREAU TO RESET MY PASSWORD????????! CREDIT BUREAUS CAN NOT RESET MY PASSWORD ON MY ACCOUNT. HOW COULD THEY DO SUCH A THING FOR ANY CREDIT CARD ACCOUNT HOLDER. THEY ARE THE CREDIT BUREAUS WHOM YOU ( BARCLAYS BANK-CREDITOR ) REPORTS CREDIT ACCOUNTS HELD BY US ( ACCOUNT HOLDERS.

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: MI

Complaint narrative:
I currently have XXXX XXXX bank accounts with Relayfi : MEDIA CONSULT XXXX XXXX : {$7800.00} XXXX SOLUTIONS XXXX XXXX : {$7100.00} XXXX unable to access the funds in either account. The platform displays a message stating that I need to accept an invitation to verify the identity of the beneficiary, yet both accounts were fully verified at the time of opening several years ago. I have not received any such invitation. 
When I contact customer support, Im redirected to a call center in the XXXX where representatives have no access to my accounts and can not explain the issue. They promised I would receive a follow-up email, but I have not received any communication to date. 
Additionally, Relayfi has canceled all my outgoing ACH and wire transfers without notice. This situation is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I got my car stolen I have the report filed with the police and bank of america check fraud claim denied my claim because of the signature that was used when the check was cashed matching the affidavit. After I told them my wallet and my other documents were in the car when the car was stolen. The people cashed the check could've possibly forged my signature to match my signature.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap!

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Balance - {$0.00} XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance - {$6500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Balance - {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance - {$420.00} UNAUTHORIZED INQUIRY PLEASE DELETE : 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 2025-11-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-06 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-06 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: NJ

Complaint narrative:
I, XXXX XXXX, am submitting this formal complaint against TransUnion, LLC for its continued reporting of erroneous, inaccurate, and unverifiable accounts on my consumer credit report in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite having submitted documented evidence demonstrating that the disputed accounts are inaccurate, outdated, or unverifiable, TransUnion has failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ) and has refused to delete the disputed information, as mandated by law. 

Further, TransUnion continues to report these accounts without permissible purpose in violation of 15 U.S.C. 1681b, and has furnished data that fails to comply with the Metro 2 reporting standards and E-Oscar validation requirements, resulting in severe harm to my creditworthiness, financial opportunities, and reputation. 

Violations Cited FCRA 605 ( 15 U.S.C. 1681c ) Reporting of obsolete and outdated information.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to follow reasonable procedures to assure maximum possible accuracy of consumer information. 

FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation after receiving evidence from the consumer.

FCRA 604 ( 15 U.S.C. 1681b ) Lack of permissible purpose for dissemination or reporting of disputed accounts.

FDCPA 807 ( 15 U.S.C. 1692e ) Use of false, deceptive, or misleading representations regarding the character, amount, or legal status of a debt.

Violation of Metro 2 and E-Oscar Compliance Standards Failure to properly validate and update account information in the credit reporting system.

Breach of Fiduciary and Charter Obligations TransUnions willful neglect of federally mandated duties under its reporting charter and its duty to protect consumer information from inaccurate publication. 

As a result of TransUnions noncompliance, I have suffered : Loss of credit opportunities and financial harm. 
Reputational injury and emotional distress. 
Continued dissemination of false data to third parties. 
Denial of fair access to credit and housing markets due to inaccurate reports. 
I respectfully demand that they DELETE the inaccurate and erroneous account ( s ) from my file 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 explanation
Consumer complaint received 2025-11-06 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint against Bank of America regarding the mishandling of an identity theft case involving multiple fraudulent accounts and transactions. 

In this case, Bank of America has already acknowledged and approved part of my fraud claim totaling {$20000.00}, confirming that I was the victim of identity theft. However, a separate claim for approximately {$7000.00}, which is part of the same identity theft incident, was wrongfully denied by the same investigations team despite the fact that all the fraudulent activity originated from the same source and time period. 

This decision makes no logical or procedural sense. The same evidence, same fraudulent party, and same stolen identity led to both sets of transactions. Yet, for reasons that remain unclear, Bank of America has chosen to approve one portion of my case while denying the rest.

I have repeatedly explained to their claims department that : I did not open the account ( s ) in question.

I did not authorize any of the disputed transactions.

This was a case of identity theft, not merchant error or chargeback dispute.

Despite providing evidence and repeatedly clarifying that this is not a merchant issue but a criminal identity theft case, the Bank of America team continues to mishandle the investigation going back to the merchant instead of escalating internally or closing the case properly under federal fraud regulations ( Regulation E / Regulation Z, depending on the account type ).

It appears the current team reviewing my case is ignoring material evidence and not properly documenting the identity theft pattern already confirmed in their own system. I am requesting that a new investigative team or supervisor be assigned to review the entire case file in full context including the previously approved {$20000.00} claim that is directly related to this same incident. 

I am asking the CFPB to intervene to ensure that : Bank of America assigns a new, unbiased investigation team. 

The remaining {$7000.00} claim is reviewed and reimbursed in accordance with the Identity Theft and Fair Credit Billing Act protections. 

The bank documents this as one continuous fraud case, not separate, unrelated incidents.

The ongoing denial of clear fraud evidence has caused unnecessary stress, time loss, and financial harm. I have acted in full cooperation and provided documentation proving this was identity theft. I simply need Bank of America to complete their obligations fairly and consistently.

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 2025-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I made a deposit. The review was supposed to be done by XX/XX/XXXX. It is now XX/XX/XXXX. I can not access my funds or pay my bills!!!!!! I lost my job over a year ago. Those funds are needed to pay my bills!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My name is XXXX XXXX, and I am writing to dispute an inaccurate balance reported on my Capital One account. The account number begins with XXXX. 

There is a {$160.00} balance being reported that is incorrect. This charge was previously reported as fraud and handled directly with Capital One, yet the incorrect balance is still appearing on my credit file. I have been in good standing with Capital One and have not missed payments. Therefore, this balance should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: AR

Complaint narrative:
Freedom Mortgage, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX said they send out a late notice but we never received these notices. They then sent a delinquency report to the credit bureaus. 

We contacted Freedom and they were no help in correcting this situation. I can not be responsible for the XXXX mail or the lack of communication of Freedom Mtg. 

The credit reporting agencies were not able to correct this either. It must come from Freedom Mortgage.

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 2025-11-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga,XXXX To Whom It May Concern, I am writing in response to a notice I received regarding an alleged debt purportedly owed to XXXX XXXX This letter is a formal dispute of that alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c and 1692g, I request that you cease all communication with me except as allowed by law and provide full validation of the alleged debt.

Specifically, please provide : 1. Verification of the alleged debt, including a detailed accounting of all charges.

2. A copy of any written contract or agreement bearing my signature showing I agreed to this debt.

3. The name and address of the original creditor, if different from XXXX. 
4. Documentation that you are authorized to collect this alleged debt.

Until you provide such documentation, you must cease all collection activities, including reporting this account to any credit reporting agencies. Any attempt to collect or communicate regarding this alleged debt, other than to provide the requested validation, will be considered a violation of 15 U.S.C. 1692c ( c ) and 1692g ( b ).

Please note that I am maintaining records of all communications for documentation purposes. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation