vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/year> I attempted to order a walking pad from the website XXXX XXXX XXXX XXXX  country=US ''. I was given an order number and the total cost of the walking pad, {$39.00}. My debit card, however was charged {$57.00} from the vendor listed below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX On XX/XX/year> the following transactions occurred through my debit card from an unrecognized vendor " 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 I received a push notification from my bank, Navy Federal Credit Union, asking if I had approved the charge of {$370.00} XXXX and I answered " no. '' I proceeded to contact Navy Federal Credit Union to report all the charges that were made through my debit card as fraudulent. Navy Federal Credit Union provided me with a temporary credit of {$860.00} so that they could investigate the fraudulent claim. I sent an email to the vendor 's support team to determine when the walking pad would be delivered ( XXXX ). I received a failure notice stating that the email could not be sent. Eventually, Navy Federal Credit Union deducted the funds from my account because there was no evidence to prove that this was fraudulent. I have submitted XXXX disputes and XXXX fraudulent claims to Navy Federal Credit Union, and all of them have been denied. I have not been able to recover from the funds that have been deducted from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-08 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: LA

Complaint narrative:
I have no relationship to these accounts and request removal within 15 days in line with the FCRA.

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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a complaint regarding Bank of Americas failure to provide mandatory support for a missing international wire transfer. 

I initiated a wire transfer of USD XXXX on XX/XX/XXXX to a beneficiary overseas in XXXX. The beneficiarys bank confirmed that the funds were never received. Another transfer sent through other bank to the same recipient was already refunded 5 days ago ( XXXX XXXX ), which confirms that the intermediary bank rejected both transactions. 

I contacted Bank of America twice by phone, and on both occasions I was told that I would receive an update within XXXX business days. I never received any response not by email, not by phone despite the bank acknowledging that an investigation was required. 

Since I am currently traveling through XXXX for several weeks, I do not have full access to international calling, but I can fully access my e-mail. Even so, I am having to spend considerable time attempting to resolve an issue caused entirely by Bank of America. 

For that reason, I attempted to resolve this via chat. I specifically requested that the representative open a formal SWIFT TRACE, which is the required procedure when funds leave the customers account but do not reach the beneficiary. 

Instead of assisting me, the agent repeatedly insisted that I must call the bank again even after I explained that I am abroad and had already called twice with no follow-up. When I insisted that the investigation be opened through chat ( which Bank of America is fully able to do ), the representative disconnected the chat session immediately after telling me to call again. 

As of now : The wire left my account The beneficiary never received the funds The funds have not been returned I called twice and was promised a response within 5 days no response was ever provided The chat representative refused to help and then terminated the session No investigation was opened No case number was created This represents : a failure of customer support, denial of access to assistance for a customer traveling abroad, refusal to initiate the mandatory investigation, and exposure to potential financial loss caused entirely by the bank.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

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 2025-12-08 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: NJ

Complaint narrative:
Good day, I am writing to formally dispute these unauthorized hard inquiries that has appeared on my credit report. Upon reviewing my credit report, I noticed these hard inquiries that I did not authorize, and I believe these are result of fraudulent activity.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
on XX/XX/year> received email and text Chase XXXX closing business account ending XXXX stated to destroy cards and checks. I contacted tenants who already deposited rents, and XXXX vendors ( boiler and plumber ) owe a bill that had to be paid XX/XX/XXXX. I begged XXXX XXXX XXXX XXXX not to close it as this is another error because XXXX has not fixed credit reporting which is damaging business + credit. # XXXX called # XXXX. I told them any terms to keep open ( security deposit or any terms ) to please NOT close because no other bank is GLOBAL and my vendors in XXXX and XXXX use XXXX. I also have multiple accounts on automatic payments REAL ESTATE TAXES, XXXX PAYMENTS, CAR INSURANCE, LIFE INSURANCE and ALL OF MY MOTHERS BILLS AUTOMATIC FROM TRUST ACCOUNT. My mother XXXX XXXX has been banking with XXXX over 50 years as she was a NEW YORK CITY POLICE XXXX so all her income, bills and XXXX home linked to her accounts. I am a retired XXXX from XXXX and have been a private client for over 30 YEARS and paid OFF XXXX Chase mortgages. I have been a loyal client to XXXX because of their rates, customer service and locations by all of my properties. I do not want this divorce, it will ruin my business!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I am writing to dispute the inaccurate information in my credit report obtained by TransUnion. I am demanding that TransUnion enforce my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires your agency to provide me with the procedures used to verify information appearing in my credit report.

If TransUnion can not verify the accuracy of the disputed items listed below, they must be deleted immediately as required by law because they are affecting my financial well-being and that of my family.

Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I have a fundamental right to financial privacy. Furthermore, 15 U.S.C. 1681 ( a ) ( 4 ) requires that consumer reporting agencies maintain accurate and private information.

No permissible purpose under 15 U.S.C. 1681b allows any company to access my credit report without my direct authorization. The following inquiries were done without my knowledge or consent and must be removed immediately.

PERSONAL INFORMATION CORRECTION REQUEST TransUnion is reporting incorrect and inaccurate personal information. 

Please correct my information exactly as shown on my valid government identification : Correct Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Correct Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Remove all other names, variations, or addresses that do not belong to me. 

UNAUTHORIZED INQUIRIES TO DELETE ( TRANSUNION ) As a victim of identity theft, I request deletion and blocking of the following unauthorized inquiries under : FCRA 605B ( 15 USC 1681c-2 ) Right to block identity theft information FCRA 604 ( a ) ( 3 ) No permissible purpose FCRA 623 ( a ) ( 1 ) ( A ) Duty to report only accurate information FCRA 609 ( a ) ( 1 ) Right to know who accessed my report TRANSUNION Unauthorized Inquiries 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 I request that TransUnion : Remove all unauthorized inquiries immediately Provide written verification and permissible purpose Correct all personal identity information Provide proof of who accessed my report Provide reinvestigation procedures under FCRA 611 If any of the items above can not be verified, they must be removed immediately as required by federal law.

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 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
This is not the original company I have no knowledge of this company and I have no pending contract with this company I have asked to see the original contract but they can not provide it so I have reached out to the IRS because I also have to file this charge off or debt collection within a 1099 form Congress states that all charge offs or debt collection has been considered as income so they can not be permitted as damages to my credit effective immediately I have notified my attorney and all parties involved are being sued for damages

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to you today regarding XXXX accounts I had with your company, a XXXX XXXX and a XXXX XXXX. I have contacted your company and disputed this account repeatedly so the correct information is displayed, yet gave not received a proper response. 

I was alerted when I checked my account statement for XX/XX/XXXX that my accounts were closed by your company. They were closed even though I never had any late payments on either account, I regularly used the cards, and they were in good standing. My accounts were closed without warning. 

I am first writing to ask why my accounts were closed. If the account was closed by your company without warning and I was never give the opportunity to make arrangements to pay the remaining balance, your company can not legally continue to report a monthly balance nor assess late fees. I have nothing in writing from your company. 

Second, the last payment date for both accounts was posted on XX/XX/XXXX. I had originally setup a payment plan on XX/XX/XXXX, but I cancelled both payments on your portal before they processed. So your company is reporting inaccurate information by stating the last payment date was on XX/XX/XXXX. This is illegally extending the time this will show on my credit report. An agent I spoke with on XX/XX/XXXX stated that the payment was still processed and was returned. He stated he was unable to provide with me proof of this. Proof I have been asking your company for multiple times through CFPB complaints and it never being provided. 

Third, why since your company closed these accounts is your company assessing me late fees and still reporting balances? Since both accounts are charged off and closed, your company should not be reporting derogatory information each month, especially since I have repeatedly stated it is incorrect information. 

Fourth, an agent I spoke with on XXXX XXXX, XXXX, stated that both accounts had been sold to a collection agency. He spoke the name really fast and refused to repeat that information. Since the account was sold to collections, your company is violating the law by reporting a balance and continuing to report inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NC

Complaint narrative:
I am writing to you today regarding 2 accounts I had with your company, a XXXX XXXX and a XXXX XXXX. I have contacted your company and disputed this account repeatedly so the correct information is displayed, yet gave not received a proper response. 

I was alerted when I checked my account statement for XX/XX/XXXX that my accounts were closed by your company. They were closed even though I never had any late payments on either account, I regularly used the cards, and they were in good standing. My accounts were closed without warning. 

I am first writing to ask why my accounts were closed. If the account was closed by your company without warning and I was never give the opportunity to make arrangements to pay the remaining balance, your company can not legally continue to report a monthly balance nor assess late fees. I have nothing in writing from your company. 

Second, the last payment date for both accounts was posted on XX/XX/XXXX. I had originally setup a payment plan on XX/XX/XXXX, but I cancelled both payments on your portal before they processed. So your company is reporting inaccurate information by stating the last payment date was on XX/XX/XXXX. This is illegally extending the time this will show on my credit report. An agent I spoke with on XX/XX/XXXX stated that the payment was still processed and was returned. He stated he was unable to provide with me proof of this. Proof I have been asking your company for multiple times through CFPB complaints and it never being provided. 

Third, why since your company closed these accounts is your company assessing me late fees and still reporting balances? Since both accounts are charged off and closed, your company should not be reporting derogatory information each month, especially since I have repeatedly stated it is incorrect information. 

Fourth, an agent I spoke with on XXXX XXXX, XXXX, stated that both accounts had been sold to a collection agency. He spoke the name really fast and refused to repeat that information. Since the account was sold to collections, your company is violating the law by reporting a balance and continuing to report inaccurate information on my credit report.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-08 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: PA

Complaint narrative:
I am writing to request the Method of Verification ( MOV ) for certain information listed on my credit report. As a consumer, I have the right to request verification of any disputed item under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ). XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
My Chime account was hacked by a third party and robbed for {$980.00}. Ive opened a dispute twice and both were denied with evidence of multiple failed attempts to send more money to multiple chime accounts. Even with this information, Chime refuses to provide any information or to return any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To Whom It May Concern : I am requesting validation of the alleged debt referenced above, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt, and I request the following information : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized breakdown of fees and interest.

3. Documentation bearing my signature showing that I am legally obligated to pay this debt.

4. Proof that your agency is licensed to collect debts in my state.

5. A full accounting of the chain of custody if the debt was sold or transferred.

Please note that until you provide the documentation requested, you must cease all collection activity, including reporting this debt to credit bureaus. Any failure to comply may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or my states Attorney General.

I expect a response within the timeframe allowed by law.

Company response to consumer: Closed with explanation