vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
A week after account approval with promotion terms, I received the email that I'm not qualified because I'm not registered at the mailing address, which was not specified in the promotion terms. 

-XXXX : Account application date ( pending ) -Promo link : XXXX XXXX XXXX There was a pop-up window requesting my zip code. After inputting my zip code, it proceeded to the next application page after my zip code verification -Promo code : XXXX ( not specified in the mailer term ), containing both checking and savings promotion terms -Account : Bundle ( eStyle Checking, FirstRate Savings ) set up the external bank transfer of {$5000.00} from XXXX XXXX  and submitted the application -> pending approval -> Could not reinitiate and complete the application due to the system 's non-responsiveness to the XXXX Security code request to the registered phone. Could not fund {$5000.00} when opening savings account due to a technical glitch. 
- XX/XX/year> : Confirmation of account opening. 
- XX/XX/year> : Email received, 'Were Sorry, Your Accounts Do Not Qualify for the XXXX Common Sense Bundle Offer ' XXXX : Asked to chat, the agent could not resolve the issue. 
XXXX : XXXX agent called me, advised that right an email to customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
I am submitting this formal follow-up complaint regarding inaccurate and potentially unauthorized inquiries listed on my credit report, which I believe may be in violation of the Fair Credit Reporting Act ( FCRA ). Despite prior dispute efforts, the inquiries in question remain uncorrected or improperly reported.

I am specifically disputing multiple inquiries that appear to be inaccurately listed or contain incorrect information. These entries may lack proper authorization or do not reflect accurate data, and I am requesting a thorough review and correction. 
Below are the details of the inquiries in question : 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 XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
I am submitting this formal follow-up complaint regarding inaccurate and potentially unauthorized inquiries listed on my credit report, which I believe may be in violation of the Fair Credit Reporting Act ( FCRA ). Despite prior dispute efforts, the inquiries in question remain uncorrected or improperly reported.

I am specifically disputing multiple inquiries that appear to be inaccurately listed or contain incorrect information. These entries may lack proper authorization or do not reflect accurate data, and I am requesting a thorough review and correction. 
Below are the details of the inquiries in question : 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 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 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicing Solutions, LLC
State: MI

Complaint narrative:
Servicing Solutions, opened XX/XX/year>, showing a charge-off of {$9500.00} with an original credit limit of {$8000.00}. This account was sold to XXXX XXXX, and now appears twice under different names, violating the Fair Credit Reporting Acts rule against duplicate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NY

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). In light of the XXXX  CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. The CFPB concluded that superficial or automated procedures fail to meet the FCRAs reinvestigation standard. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 

XXXXXXXX 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

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 2025-08-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Sam 's Club { automatically renewed card w/o my request : Charged late fees and interest. I paid the portion of bill for gas and other purchases at Sam's-not for membership. Interest/late should not apply to those bills when I am disputing them. 
Co continues to add late fees, interest and statement fees. 
J. C. Penney : I shopped at JC Penney in XXXX when I went to XXXX XXXX to purchase a pair of XXXX. I opened the acct. When back to 2 JS penneys to return, they could not be found the item on receipt I had. Apparently, the cashier had given me the wrong receipt. I contacted JC Penney and Synchrony Bank. XXXX XXXX said to go back to store to speak again to the manager. My daughter and I were both ill. Previously, I'd gone to 2 stores. I felt it was Synchrony to speak and get my credit card bill corrected. They are still charging me for the item that cost less than XXXX $ with late fees and interest. You really should be protective of the consumer. That bank is getting. JUST STOP THESE CHARGES fradulent late fees

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 2025-08-04 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-04 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: AZ

Complaint narrative:
Despite multiple formal disputes submitted to Equifax starting in early XXXX  they have failed to delete or properly investigate a fraudulent account listed under XXXX XXXX with a reported high balance of {$1600.00} and a derogatory/charge-off status. Supporting documents, including identity theft reports, were submitted multiple times. Additionally, two unauthorized hard inquiries from XXXX XXXX XXXX ( dated XX/XX/year> ) and XXXX XXXX XXXX XXXXated XX/XX/year> ) remain on the credit report without my authorization. Equifax has not provided any reinvestigation results, failed to mark the account as disputed per law, and has not removed the inaccurate information despite exceeding the 30-day window required under the Fair Credit Reporting Act. 

PLEASE SEE ATTACHMENTS BELOW!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
I paid someone {$50.00} via Chime for a music promotion service that was advertised as legitimate. After payment, the person stopped responding and blocked me. This was fraud through deception and false advertising. 

I submitted a dispute to Chime, but they denied it, citing it was an authorized transfer. I explained that I was misled under false pretenses and requested a second review under consumer fraud protections. 

A Chime representative then told me they would not escalate the case and directly responded, Go ahead when I mentioned the Consumer Financial Protection Bureau. This response was dismissive and unprofessional. 

Im requesting an investigation into both the original fraudulent transaction and Chimes failure to appropriately handle the dispute under Regulation E and consumer fraud protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I booked a hotel through Capital One XXXX on Sunday, XX/XX/XXXX, for a total of {$2800.00} ( XXXX, XXXXXXXX XXXX XXXX 2025 ). Prior to booking, I called Capital One XXXX on Sunday, XX/XX/XXXX at XXXX and was verbally assured I would qualify for their XXXX XXXX XXXX and receive a {$1100.00} credit after booking. Based on that promise, I proceeded. 

After booking through Capital One, I contacted them with a valid lower-priced offer for the identical hotel and dates through XXXX. However, they refused to honor the guarantee, stating that only {$1600.00} was paid through Capital One and the remaining {$1200.00} was a " hotel fee '' to be paid directly to the hotel despite the full price being clearly presented as {$2800.00} total during booking and on my receipt. 

This fee structure was never disclosed clearly, and it was not explained at any point during my pre-booking phone call. Nor is it written on the terms and agreement. Capital One XXXX is using this structure to intentionally avoid honoring the XXXX XXXX XXXX they advertise. I consider this misleading advertising and a deceptive business practice, especially as I relied on their verbal confirmation before committing to this non-refundable booking. 

I have since contacted their support line again. After being on hold for over an hour, I was told they would email me in 2 days. My travel is scheduled for this Thursday, and as of now, I have no confirmed accommodations or resolution. This has caused significant emotional and financial stress during what is supposed to be my honeymoon. 

I am requesting either the {$1100.00} price match refund as promised, or a full refund of the {$1600.00} charged to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint against XXXX  regarding a {$270.00} collection account reported by Credit Collection Services ( CCS ), originally from XXXX XXXX XXXX. 

On XX/XX/year>, I mailed a written dispute letter to XXXX, requesting a full investigation and validation of the alleged debt. Under the Fair Credit Reporting Act ( FCRA ), XXXX  was required to conduct a proper investigation and respond within 30 days with specific results and supporting documentation if the item was verified. 

XXXX  responded on XX/XX/year>, stating that the account had been updated. However, no documentation was provided to validate the debt. The {$270.00} collection remains on my credit report, even though I was never given any contract, billing statement, or legally sufficient proof that this debt is accurate or belongs to me. 

After my dispute, I also contacted the collection agency and formally requested a debt validation letter. I gave them my updated mailing address to ensure proper delivery, but I never received any validation letter or documentation from the agency. 

This is a direct violation of my rights under the FCRA. Simply updating the account without validating the debt or providing supporting documentation does not satisfy XXXX legal obligation to investigate and report results transparently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
To Whom It May Concern, I am submitting this formal complaint regarding multiple accounts listed on my TransUnion credit report that are either fraudulent, inaccurate, unverifiable, or outdated. I have provided TransUnion with a written dispute and supporting documentation, yet they have continued to report these accounts in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of Disputed Accounts : XXXX XXXX XXXX XXXX ( Account Ending in XXXX ) Status : Charge-Off | Balance : {$6100.00} | Closed : XX/XX/XXXX Last Payment : XX/XX/XXXX Violation : FCRA 611 [ 15 U.S.C. 1681i ] Reporting unverifiable and outdated data XXXX XXXX XXXX  XXXX  ( Account Ending in XXXX ) Status : Charge-Off | Balance : {$290.00} | Closed : XX/XX/XXXX Last Payment : XX/XX/XXXX Violation : FCRA 623 [ 15 U.S.C. 1681s-2 ( b ) ] Incomplete and unverified reporting Credence Resource Management ( XXXX  Collection ) Opened : XX/XX/XXXX | Balance : {$1200.00} Violation : FDCPA 809 ( a ) & FCRA 611 Failure to validate or verify debt XXXX XXXX ( XXXX XXXX XXXX XXXX ) Opened : XX/XX/XXXX | Balance : {$400.00} Violation : FCRA 611 ( a ) ( 5 ) ( A ) No reinvestigation or removal per statutory requirement XXXXXXXX XXXX ( XXXX XXXX ) Opened : XX/XX/XXXX | Balance : {$59.00} Violation : FDCPA 809 ( b ) & FCRA 623 ( b ) Inaccurate and unverified collection account Violations and Noncompliance : Under FCRA 611 ( a ) ( 1 ) ( A ), TransUnion is legally obligated to conduct a timely and reasonable reinvestigation of any disputed accounts. If the data furnishers can not verify the account with full documentation, the items must be deleted from my credit file. 
Furthermore, continuing to report inaccurate or unverified data after being notified of a dispute constitutes willful noncompliance under FCRA 616 and subjects the bureau to civil liability under 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple accounts listed on my TransUnion credit report that are either fraudulent, inaccurate, unverifiable, or outdated. I have provided TransUnion with a written dispute and supporting documentation, yet they have continued to report these accounts in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of Disputed Accounts : XXXX XXXX XXXX XXXX ( Account Ending in XXXX ) Status : Charge-Off | Balance : {$6100.00} | Closed : XX/XX/XXXX Last Payment : XX/XX/XXXX Violation : FCRA 611 [ 15 U.S.C. 1681i ] Reporting unverifiable and outdated data XXXX XXXX XXXX  XXXX  ( Account Ending in XXXX ) Status : Charge-Off | Balance : {$290.00} | Closed : XX/XX/XXXX Last Payment : XX/XX/XXXX Violation : FCRA 623 [ 15 U.S.C. 1681s-2 ( b ) ] Incomplete and unverified reporting Credence Resource Management ( XXXX  Collection ) Opened : XX/XX/XXXX | Balance : {$1200.00} Violation : FDCPA 809 ( a ) & FCRA 611 Failure to validate or verify debt XXXX XXXX ( XXXX XXXX XXXX XXXX ) Opened : XX/XX/XXXX | Balance : {$400.00} Violation : FCRA 611 ( a ) ( 5 ) ( A ) No reinvestigation or removal per statutory requirement XXXXXXXX XXXX ( XXXX XXXX ) Opened : XX/XX/XXXX | Balance : {$59.00} Violation : FDCPA 809 ( b ) & FCRA 623 ( b ) Inaccurate and unverified collection account Violations and Noncompliance : Under FCRA 611 ( a ) ( 1 ) ( A ), TransUnion is legally obligated to conduct a timely and reasonable reinvestigation of any disputed accounts. If the data furnishers can not verify the account with full documentation, the items must be deleted from my credit file. 
Furthermore, continuing to report inaccurate or unverified data after being notified of a dispute constitutes willful noncompliance under FCRA 616 and subjects the bureau to civil liability under 617.

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