vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I applied for a secured credit card with Bank of America and offered to fund it with my own cash. They did a hard credit inquiry, even though the product should be low-risk or guaranteed since it was to be backed by my own money. Then, they rejected me without giving me the opportunity to fund the card. As a result, my credit score was damaged. This feels deceptive and predatory, especially since secured cards are marketed to people trying to rebuild credit.

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 2025-05-02 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: NH

Complaint narrative:
I initiated a withdrawal to my external XXXX  wallet on XX/XX/XXXX, but the transaction became stuck in the " pending '' stage. Although XXXX sent an email confirming that the withdrawal was completed, the funds never arrived in my external wallet. 

On XX/XX/XXXX, I contacted XXXX XXXX to report the issue. However, while I was on the phone with a representative, my account was unexpectedly closed. I received no prior notification about the closure, nor was I given any explanation as to why it occurred.

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 2025-05-02 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: MOHELA
State: MI

Complaint narrative:
XXXX XXXX XXXX Dispute Letter to Remove Student Loans from Credit Report Due to Department of Education XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Dispute Letter to Credit Bureaus ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/year> Re : Demand for Immediate Deletion of Student Loans Due to Department of Education Dissolution To Whom It May Concern, I am formally disputing the student loan accounts reported under my name due to material changes in federal student loan administration following the executive order issued by President Trump to abolish the U.S. Department of Education. This unprecedented action has created substantial uncertainty regarding the legitimacy, ownership, and enforceability of student loan debts that were previously under the purview of the Department of Education. 

Accounts in Dispute : Student Loan Accounts Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given the federal dissolution of the agency responsible for these loans, the chain of custody, legal authority, and servicing legitimacy of these accounts are in question. There is no verified entity authorized to validate, collect, or report these debts. 

XXXX XXXX XXXX  Legal Basis for Immediate Deletion : XXXX. Lack of Credible Verification With the dissolution of the Department of Education, there is no legally valid entity that can verify the accuracy, ownership, or collection rights of these loans. 

XXXX. Material Change in Federal Oversight The entity responsible for these loans no longer exists, rendering past reporting structures invalid. 

XXXX. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

I am demanding the immediate deletion of these accounts from my credit report. If these accounts are not removed, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate legal proceedings as necessary to enforce my rights under federal law. 

Please provide me with a written response confirming the removal of these accounts within 30 days as required by law. Failure to comply will result in further action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: DC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 2025-05-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX XX/XX/XXXX Dispute and Request for Deletion of Inaccurate & Unauthorized Account Reporting Under FCRA and 15 U.S. Code Dear [ Credit Bureau Name / Creditor ], This is a formal dispute of the following account reporting on my credit report : Creditor Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$610.00} Credit Limit XXXX {$300.00} Status : 90-120+ Days Late, Past Due {$230.00} I am asserting my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681, including but not limited to : Violations Cited : 15 U.S. Code 1681e ( b ) Failure to report information with maximum possible accuracy. 
The reporting history is inconsistent and inaccurate across all three credit bureaus ( TransUnion, Equifax, Experian ), including conflicting late payment counts and payment history. 


15 U.S. Code 1681i ( 5 ) Failure to correct or delete inaccurate, incomplete, or unverifiable information.

The bureaus have continued reporting without validating the accuracy or origin of this account.

15 U.S. Code 1681c-2 Failure to block information allegedly resulting from identity theft. 
I am identifying this account as potentially fraudulent and unauthorized, and you are legally required to block the reporting of this item within 4 business days upon receipt of this notice.

15 U.S. Code 1681 602 ( A ) My right to privacy as a consumer has been violated by furnishing information to third parties without authorization. 


15 U.S. Code 1681 604 ( a ) ( 2 ) A consumer reporting agency may not furnish information in a consumer report without written instructions from the consumer. No such written permission was ever granted. 



Immediately DELETE this account from my credit file across all bureaus. 


Provide the original signed agreement and terms & conditions bearing my wet signature to verify that I consented to this account and reporting.

If you can not provide such documentation or verify this account 's full compliance with FCRA and 15 U.S. Code, you are required to remove this item within 4 business days per 15 U.S. Code 1681c-2.

If this account is not deleted or corrected within the required timeframe, I will pursue further legal action. Under the Fair Credit Reporting Act, you may be held liable for {$1000.00} per violation, per account, for your non-compliance and continued damage to my credit reputation.

I expect written confirmation within 15 calendar days of your receipt of this letter and deletion within 4 business days as mandated by law. I look forward to your prompt compliance.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX XX/XX/XXXX Dispute and Request for Deletion of Inaccurate & Unauthorized Account Reporting Under FCRA and 15 U.S. Code Dear [ Credit Bureau Name / Creditor ], This is a formal dispute of the following account reporting on my credit report : Creditor Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$610.00} Credit Limit XXXX {$300.00} Status : 90-120+ Days Late, Past Due {$230.00} I am asserting my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681, including but not limited to : Violations Cited : 15 U.S. Code 1681e ( b ) Failure to report information with maximum possible accuracy. 
The reporting history is inconsistent and inaccurate across all three credit bureaus ( TransUnion, Equifax, Experian ), including conflicting late payment counts and payment history. 


15 U.S. Code 1681i ( 5 ) Failure to correct or delete inaccurate, incomplete, or unverifiable information.

The bureaus have continued reporting without validating the accuracy or origin of this account.

15 U.S. Code 1681c-2 Failure to block information allegedly resulting from identity theft. 
I am identifying this account as potentially fraudulent and unauthorized, and you are legally required to block the reporting of this item within 4 business days upon receipt of this notice.

15 U.S. Code 1681 602 ( A ) My right to privacy as a consumer has been violated by furnishing information to third parties without authorization. 


15 U.S. Code 1681 604 ( a ) ( 2 ) A consumer reporting agency may not furnish information in a consumer report without written instructions from the consumer. No such written permission was ever granted. 



Immediately DELETE this account from my credit file across all bureaus. 


Provide the original signed agreement and terms & conditions bearing my wet signature to verify that I consented to this account and reporting.

If you can not provide such documentation or verify this account 's full compliance with FCRA and 15 U.S. Code, you are required to remove this item within 4 business days per 15 U.S. Code 1681c-2.

If this account is not deleted or corrected within the required timeframe, I will pursue further legal action. Under the Fair Credit Reporting Act, you may be held liable for {$1000.00} per violation, per account, for your non-compliance and continued damage to my credit reputation.

I expect written confirmation within 15 calendar days of your receipt of this letter and deletion within 4 business days as mandated by law. I look forward to your prompt compliance.

Sincerely, 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 2025-05-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I seek your assistance in investigating accounts that have been wrongly reported with late payments. I carefully reviewed my credit report and found some accounts showing incorrect late payment entries. These accounts should not have any late payment remarks. Kindly remove the late notations and update the accounts as paid and positive

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 XXXX days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 XXXX days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2025-05-02 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not 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 non-monetary relief
Consumer complaint received 2025-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am A Victim of identity theft, I demand Credit bureau Experian, Transunion XXXX to DELETE inaccurate accounts not mine. I have filed a report with FTC.

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 2025-05-02 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Company : JPMorgan Chase Bank Product : Credit Card Issue : Charged-off account with no verification of insurance or tax recovery I am filing this complaint regarding a charge-off on my credit report for a JPMorgan Chase credit card account XXXX The reported amount is {$51000.00}. I have disputed this account with the credit bureaus and requested documentation proving the creditor has not received compensation through insurance or IRS tax benefits. 

According to Generally Accepted Accounting Principles and the Fair Credit Reporting Act, a creditor can not claim a loss via insurance or tax deduction and continue to report the full charge-off amount or pursue collection. Chase has not provided any verification, including insurance recovery documentation or IRS Form 1099-C.

This may be an attempt at double recovery and a violation of my consumer rights under federal law. I am requesting that the CFPB investigate and require Chase to provide full disclosure or remove this charge-off entirely from all consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year>, I called XXXX  request a refund of {$530.00} since my XXXX Credit card had a credit balance of {$530.00}, The customer service representative said it would take XXXX business days, which I believe it is too much since they already have my money in its assets.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Accounts on my Transunion credit report for XXXX XXXX, XXXX  Auto, XXXX, they should not be reporting as " unknown '' at all. The information in these accounts are inaccurately reporting, unknown, payment status, which is misleading and does not reflect their true status. These accounts were included in bankruptcy and should either be removed.I am requesting that Transunion take action to correct this.

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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XX/XX/XXXX an investigation was opened against a check of {$1200.00} that those funds are being held. Pentagon Federal said they were fraudulent. I received a letter from the security team about being able to get my available funds released properly through check or other means. On XX/XX/year> I requested {$670.00} be released and they sent my check. My other {$1200.00} was being held due to the fraud investigation. 
After the investigation conclude I had those funds made available to me and on XX/XX/year> i spoke with a supervisor XXXX to release my funds and she never put in a request for my a check to release my funds. No other specifics were given. 
On XX/XX/year> I spoke with XXXX to release my funds but again, no request was made for them to be released by her. 
On XX/XX/year> I spoke with a XXXX and mentioned he doesnt see why they havent released my funds and that he would follow the same steps and guidelines they took the first time they made my request for {$670.00}. 
Yet I still have not received my funds. They are saying they will not release my funds because of my credit card balance which is about the same amount as my available balance. However, I have been making monthly payments on it and they did not go through any legal actions against my account to hold my funds. They allowed a XXXX of {$120.00} go through into my account even though they mentioned it being permanently restrained and no money can go in or out. This is contradictory. 
My most recent case # : 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