vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Dear CFPB, I would like to formally file a complaint regarding a situation involving an international wire transfer that was mistakenly sent to the wrong bank account. The receiving bank in this case is JP Morgan Chase. 
On XXXX, I initiated an international transfer via XXXX ( XXXX ) from my account. Due to an error in the beneficiary information, the funds were sent to an incorrect account under JP Morgan Chase, As soon as I identified the mistake, I contacted XXXX to request a recall of the funds. However, they informed me that since the transfer had already been completed and the funds had left their system, they could no longer retrieve them. XXXX advised me to contact the receiving bank ( JP Morgan Chase ) directly and request that they locate and return the funds. 
I have since sent multiple emails to JP Morgan Chase, including full proof of the transaction ( transfer confirmation, recipient details, and all relevant documentation ), but I have not received any response. It has been over 5, and I am unable to obtain any information about the status of the funds.

I am filing this complaint due to : 1. Lack of response from JP Morgan Chasedespite multiple attempts to contact them.

2. Failure to investigate or provide support for a transfer that landed in their system.

3. Financial loss and XXXX  caused by the lack of communication and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 1681i, my report must include only information that is accurate, complete, and verifiable. I request that these late payment entries be verified, and if they can not be confirmed, I ask that they be corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT 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 2025-09-05 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to demand the immediate deletion of fraudulent accounts currently appearing on my credit report. I did not authorize, open, or permit these accounts, and their inclusion constitutes a clear violation of my personal rights and financial security. These entries are false, misleading, and harmful, and their presence is obstructing the accuracy and integrity of my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET XXXX. I WANT THESE TO BE TAKEN OFF FROM MY REPORT 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 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Late payment entries shown on my report appear to be inaccurate. Pursuant to 15 U.S.C. 1681e ( b ) and 1681i, my credit file must contain only information that is accurate, complete, and verifiable. I request verification of these late payment entries, and if they can not be substantiated, I ask that they be corrected or deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Trans union data security breach, now I have something wrongfully and illegally put on my record

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: CITIBANK, N.A.
State: PA

Complaint narrative:
In XXXX, I was charged {$30.00} from Best Buy/CBNA bank. This was not a charge that I made but a fraudulent purchase that someone else made. They alerted me to it, but when they called using a voice activated phone call, they requested the last four of my social, which I did not supply because I thought it was a fraudulent call trying to gain my personal information. 
I spoke to an actual individual in XXXX and they said that this was indeed on my card. I then filed a dispute. I received a letter from them indicating that they've reversed the charges. 
I filed a dispute with all three credit bureaus in XXXX. The credit bureaus reached out to Best Buy/CBNA bank and were told that the charge was accurate. 
I spoke to a XXXX and a XXXX from Best Buy/CBNA on XXXX and they said that it was a fraudulent charge and they 'were n't sure ' why someone would say that this was a valid charge. Meanwhile, my credit is now the lowest it has been.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My CitiBank account was closed shortly after I deposited a check for {$1500.00} and I was told my account would be closed within 60 days and then a check will be mailed to my address with the remaining funds. The thing is I cant wait 60 days because I need those funds for an emergency and would like a check of my balance much sooner than that. I did nothing criminal my account was closed based off speculation I did nothing wrong and now I lose access to my money that I need? Please help!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
Complaint Narrative : I am submitting this complaint against XXXXXXXX XXXX XXXX and the credit bureaus ( Equifax, XXXX, XXXX  ) for reporting false derogatory information on my auto loan. 

Account details : Creditor : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$14000.00} Terms : XXXX months Current Status : Open and paid as agreed Issues : False late payments My credit file shows multiple XXXX late payments in XXXX XXXX XXXX XXXX XXXXXXXX, although this account has been current. 

Contradictory reporting Bureaus simultaneously list Current status while also inserting derogatory lates. 

Inconsistent data Dates of last activity and reporting do not match across bureaus. 

Violation of my consumer rights This false reporting is damaging my creditworthiness and constitutes unlawful conduct. 

Violated Consumer Protection Laws : FCRA 602 ( 15 U.S.C. 1681 ) Consumer reports must be fair and accurate.

FCRA 605 ( 15 U.S.C. 1681c ) Prohibits obsolete or inaccurate information.

FCRA 607 ( 15 U.S.C. 1681e ) Bureaus must maintain reasonable procedures for maximum accuracy.

FCRA 609 ( 15 U.S.C. 1681g ) Consumers are entitled to complete and accurate disclosures.

FCRA 611 ( 15 U.S.C. 1681i ) Requires proper reinvestigation of disputed information.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers must not report information they know or should know is inaccurate.

FCRA 616 & 617 ( 15 U.S.C. 1681n & 1681o ) Establish civil liability for willful and negligent violations.

FDCPA 807 ( 15 U.S.C. 1692e ) Prohibits false, deceptive, or misleading representation of debts.

FDCPA 809 ( 15 U.S.C. 1692g ) Requires debt validation before reporting derogatory tradelines.

ECOA ( 15 U.S.C. 1691 et seq. ) Protects against unfair credit practices.

GLBA ( 15 U.S.C. 6801 ) Requires protection and accuracy of consumer financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
Complaint Narrative : I am filing this complaint regarding XXXX ( auto loan account ), which is being reported inaccurately by XXXX, Equifax, and XXXX. 

Account details : Creditor : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Closed : XX/XX/XXXX Balance : {$0.00} ( paid in full ) Status : Paid/Closed ( but still reported derogatory ) Issues : False derogatory reporting The account is fully paid with a {$0.00} balance, yet still shows negative status and late payments. 

Contradictory information across bureaus Equifax and XXXX  list Paid, while XXXX  reports Closed derogatory. 

Improper late payment history Bureaus report 30-day lates in XXXX despite the account being already closed and settled. 

Violations of consumer rights This account should only reflect Closed PaidXXXX Balance with no derogatory remarks. 

Federal Law Violations : Fair Credit Reporting Act ( FCRA ) : 602 ( 15 U.S.C. 1681 ) Credit reporting must ensure maximum possible accuracy.

605 ( 15 U.S.C. 1681c ) Paid/closed accounts can not be misreported as derogatory.

607 ( 15 U.S.C. 1681e ) Bureaus must maintain reasonable accuracy procedures.

611 ( 15 U.S.C. 1681i ) Requires reinvestigation when data is disputed.

623 ( 15 U.S.C. 1681s-2 ) Furnishers must not report false or misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Newport Intermediate Inc.
State: GA

Complaint narrative:
I'm being denied resolution on 2 fraudulent charges on my card.

In summary I had reported some fraud on my card, the original had charges beyond the window to submit. However there are 2 charges that first were reported within 8 days of the charges appearing on my card ( Before a statement ) This claim was denied due to too much time had passed, told to reach out to the 2 vendors in question, and re-submit. Told I have to wait an additional 30-45 days.

This claim too was denied, telling me again too much time had passed.

I have spent hours on the phone trying to get someone to take a look why an 8 day old claim was denied? 
XXXX {$100.00} XXXX  XXXX {$85.00} XXXX I have downloaded the steps I did to try to resolve the issue. 
A contact email I was given XXXX no phone number nor address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DailyPay, Inc
State: MO

Complaint narrative:
DailyPay is holding my daily money that I earned for my business hostage. I have contacted them numerous times they keep blaming that its my company I work for is not updating my money however, the company states thats DailyPay that is holding the money hostage. I have contacted them through instant chat and email and they just keep blaming each other. I am sending a copy of a screenshot that appears when I logged into the app, DailyPay is it predatory company now holding the money hostage that I have earned at my job. What theyre doing is absolutely disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 1681i, my report must include only information that is accurate, complete, and verifiable. I request that these late payment entries be verified, and if they can not be confirmed, I ask that they be corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Issue : Fraudulent returned payment / misapplied payment What happened : On XX/XX/year>, Capital Ones system marked my {$52.00} credit card payment as Returned Online ACH Payment CONA with the reason of insufficient funds ( NSF ). However, my bank ( XXXX XXXX XXXX ) shows the opposite : On XX/XX/year>, my {$52.00} payment cleared successfully from my OneAZ account. 

That same day, Capital One refunded/bounced the payment back. 

At no time did XXXX reject the payment for NSF. 

This means Capital One : Backdated a returned payment to XX/XX/XXXX, XXXX days before the debit even cleared at my bank. 

Falsely coded the return as insufficient funds, when the money was available and the debit succeeded. 

Failed to properly credit my payment, even though I paid early and in good faith ( I even rounded up my payment, as I always do ). 

Why this matters : This is not a simple billing error it is fraudulent misrepresentation of my payment history. 

By backdating and mislabeling, Capital One created a false record that makes it look like I never paid. 

I am now at risk of credit damage, late fees, and higher balances based on Capital Ones false records. 

Evidence provided : Screenshots from Capital One showing the Returned XXXX XXXX entry dated XX/XX/XXXX. 

Bank statement from XXXX showing the debit cleared XX/XX/XXXX, followed by a same-day return initiated by Capital One. 

Requested resolution : Immediate correction of my account to reflect my valid, on-time {$52.00} payment. 

Removal of all fees, penalties, or interest charges related to this misapplied payment. 

Written confirmation that no negative credit reporting will occur. 

Compensation for statutory damages under the Fair Credit Billing Act, as this was a willful misapplication of a valid payment.

Company response to consumer: Closed with explanation