vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: VA

Complaint narrative:
XX/XX/XXXX : -shop app notified through the app that " I '' made a purchase around XXXX when I was working out in my mini gym in my garage ( it was a hacker who hacked either my phone or outlook/shop account ) -item purchased was labeled " Bonafide Provisions, Organicanic Chicken Broth '' with a {$2400.00} price tag on their store with a {$10.00} shipping fee -- It has a spelling mistake in " Organicanic '' and if the store owner somehow said it was by pallet, it would have been 353 XXXX  boxes of chicken broth at most which is ridiculous -The company who had this item and several overpriced items were called XXXXXXXX XXXX XXXX XXXX XXXX before the store was removed from the shop app stores. 
-contacted XXXX XXXXXXXX XXXX XXXX XXXX XXXXs business email which the email address doesn't align with the company name ( XXXX ) -- got more bloated emails instead so safe to say XXXX XXXX XXXX XXXX XXXX are doing something illegal -Contacted BofA for fraud claim to which they replaced my credit card -Contacted XXXX  Fraud to intercept the package to which they replied way too late ( They sent the email during XX/XX/XXXX ) -hacker came back to, strangely, purchase more items from XXXX XXXX XXXX  XXXX -- 2x Celtic Sea Salt Reseal Bag, another 2x Celtic Sea Salt Reseal Bag, 1x Bonafide Provisions, Organicanic Chicken Broth again XXXX and 2x XXXX 's Red Mill XXXX Baking Flour For 2 days, I was high on alert to reject the package as the tracker was on my way to my house. 

XX/XX/XXXX : -No delivery truck came to my door -No package with the chicken broth -Shop app says my package has arrived in the mail XXXX, XXXX XXXX of the Shop app, also took down XXXX XXXX XXXX XXXX after I exposed them on XXXX 's forum XXXX 

Afterwards, I contacted Bank of America despite the apparent errors and the high prices denied my claim. In fact, it's now three times that they had denied my fraud claim. 
1st : XX/XX/XXXX when the incident happened and was denied XX/XX/XXXX XXXX : Appealed on XX/XX/XXXX and visited a bank representative before Lunar New Year, denied XX/XX/XXXX XXXX : Contacted BofA fraud services to which they told me to either fax or mail the evidence to them - Mailed to them the same day with First class shipping to get to them as fast as possible. Denied on XX/XX/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 monetary relief
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Ally Financial has failed to provide any XXXX XXXXcompliant documentation to support the XXXX late payments they continue to report on my credit file. Under FCRA 1681e ( b ) and 1681s-2, Ally is legally obligated to ensure the maximum possible accuracy of the information they furnish, which includes full XXXX XXXX field-level compliance.

To date, Ally has only provided general summaries and payment historiesnot the actual XXXX XXXX fields that govern how data must be reported. This includes : Field XXXX : Date of First Delinquency Fields XXXX : Payment History Profile Field XXXX : Compliance Condition Code Field XXXX : Date of Account Info Field XXXX : Amount Past Due And the AUD Form used to furnish or verify the data Without full documentation proving each of these fields is accurate, consistent, and legally reportable, the data is non-compliant and unverifiable under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AR

Complaint narrative:
This morning, I purchased a XXXX XXXX XXXX. I tried to use it on XXXX to purchase a music CD but it was declined. I was shocked because I hadn't use it. I called the number on XXXXXXXX XXXX. At XXXX, I spoke with XXXX. He informed that the card was anonymous gift card. Due to the language barrier, I could not understand what XXXX was saying. I am now concern, I feel like I have been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My account 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.

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 explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My account 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.

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 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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account 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.

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 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 2025-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, a girl reached out to me and claimed she is a realtor and she can help me get into a rental home that I liked on XXXX. She said her fees are {$1400.00} and that includes her assistance with the application and communicating with the landlord to get an approval. I sent her the money on XXXX. On XX/XX/year>, she requested {$250.00} for the application and holding fee which I sent on XXXX. On XX/XX/year>, she requested {$310.00} to pay the cleaning and processing fee. I sent it to her again on XXXX Then she proceeded to email me a fake document stating that I was approved for the house. After, I noticed the fake document, I reported it immediately to my bank. The girl was never a realtor nor was she able to get me approved for the rental home. The true landlord never even spoke with the girl. I reported this to my bank and they refuse to do a proper investigation and return my money. Ive put in XXXX different disputes and CitiBank denied them all claiming that the information is accurate. Upon requesting more information that supports their result, they only sent me XXXX document for XXXX of the XXXX disputes I put in. That XXXX document stated that they never contacted the merchant and that there was no evidence of account takeover but I never claimed my account was taken over. How can they deny a claim and come to a result if no proper investigation was done? I even filed a police report and gave my bank the report number and they didnt look into that either

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> TransUnion

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: OR

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
1. My account information with Chase Bank was breached.

2. A thief sent me a text to my personal phone, asking if I processed a transaction on my checking account.

3. I responded " no '' 4. This " chase representative '' then called me and informed me my account has been compromised. They proceeded to walk me through the process of verifying transactions on all of my accounts. They had my checking and savings account info. Once I verified that I had not completed a transaction for {$600.00} at Target, they informed me I would need to close my accounts and move my money into a new account. They said this person had access to all of my account information. They said this was considered Tier 1 fraud and I needed to go into my closest Chase bank so they could verify my ID when opening a new account and transferring my funds. So I did.

5. Once I arrived at the bank, this " chase representative '' had me transfer all of my funds to my savings account. They then provided me with a new debit card and had it uploaded into my apple wallet. They asked me to withdrawal my funds from savings, and immediately deposit into this new account. A teller at the Chase branch helped me with these transactions. Her name is XXXX # XXXX and the XXXX branch XXXX XXXX, XXXX. 
6. Once my money was deposited into the new account, I logged onto my online banking and didn't see the new account number in my profile. It's at this time, I realized I may have been scammed.

7. I called Chase bank customer services and asked if there had been fraud on my account and they said " no. '' 8. I immediately walked into the Chase bank, shared with them the account number my money was put into, and asked them to reverse/stop the transaction. It was fraud. They said they couldn't do anything without a subpoena from the police.

9. I called the police, created a case for the fraud Case number XXXX. The police submitted a request for the subpoena, however this process took from XX/XX/year> to XX/XX/year>. One month.

10. I sent a letter to corporate Chase requesting support on this case. They said they would identify the account number that my money was deposited into and freeze that account to try and recover my money. By the time they did this, my money had been withdrawn and Chase informed me they couldn't help me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX Account # ( XXXX XXXX XXXX  ) XXXX, ( XXXX XXXX XXXX XXXX ) XXXX, ( XXXX XXXXXXXX ) XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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