vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I made a credit card transfer from my Bank of America credit card to my new XXXX XXXX  credit card. XXXX  told me that it would take 2 weeks for XXXX to send the transfer payment to Bank of America. I needed to pay my Bank of America card off sooner than this time frame. I transferred {$11000.00} from my XXXX XXXX XXXX XXXX XXXX XXXX  account on XX/XX/XXXX, to Bank of America. Around the same time, XXXX XXXX  sent the {$11000.00} to Bank of America. I received a letter from Bank of America stating that it received both payments for the debt. I asked B of A to return the {$11000.00} to my XXXX XXXX XXXX  account. I was told by XXXX XXXX XXXX  that this request would be honored. I contacted XXXX XXXX XXXX  again on and was told that the request was approved on XX/XX/XXXX and that it would take 7 to 10 days for the money to get into my XXXX XXXX XXXX account. That time period passed, and I still did not have the money in my account. I called XXXX XXXX XXXX  again, requesting my money. This time I was told that XXXX XXXX XXXX  decided to send me a check to my home address. The check was mailed on XX/XX/XXXX, and I should receive the check within 7 days. I did not receive the check. I called XXXX XXXX  XXXX on Friday, XXXX The customer representative could not find any record of the check being sent to my home. I requested a transfer to a Manager. I spoke with XXXX ID # XXXX  He told me that he had to do some research into this concern with the credit card back room staff and that he would get back to me on Monday, XX/XX/XXXX. He told me that I would now get the money wire transferred to my XXXX XXXX XXXX  account. The story keeps on changing. He called me back on XXXX at XXXX XXXX  ( XXXX  ). He told me that he did not hear back from the credit card staff in the back room. I expressed my disappointment with the fact that he was unable to get the money transferred to my account. As a manager and vice president, he should be able to correct the problem very quickly. This is a large amount of money that I had to take out of my account and it's causing both a financial and emotional hardship on my family. He then told he would be reaching out to the credit card staff in the back room and would get back to me when he heard something back.

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 2025-09-23 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My credit card was compromised they issued a new card that card was compromised right away because they allowed someone to attach a digital wallet to it so they issued another card i did not activate card and chase started putting charges on it we disputed charges but paid them in full so while we are disputing they charged late fees on a card i never activated now they are charging late fees on late fees.i closed card months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: MI

Complaint narrative:
I am submitting this formal complaint regarding inaccurate, incomplete, and unverified information being reported on my consumer credit file, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Upon reviewing my credit reports, I identified the following erroneous and harmful entries : XXXX Account # : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} Issue : Reported as Late Payment despite no verifiable documentation proving this delinquency. 

XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Incorrectly reported with Late Payment, which is factually impossible for a closed/zero balance account. 

XXXX XXXX Date : XX/XX/XXXX Issue : Unauthorized Inquiry I never applied for or authorized any account or service with this entity. 

XXXX XXXX Date : XX/XX/XXXX Issue : Unauthorized Inquiry I have no relationship with this company and never consented to this inquiry. 

Violations : These entries are being reported without proper verification or permissible purpose, directly violating : FCRA 604 ( 15 U.S.C. 1681b ) Permissible Purpose of Consumer Reports.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Duty to maintain maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) Duty to reinvestigate disputed information.

These inaccuracies have caused me financial harm, including potential denials of credit, higher interest rates, and emotional distress. 
Requested Action : I respectfully demand the following remedies : Immediate investigation and removal of all late payment notations that are unverified or inaccurate. 

Permanent deletion of unauthorized inquiries ( CREDITONEBK and COAF ). 

Written confirmation from all credit bureaus and furnishers that these items have been 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 non-monetary relief
Consumer complaint received 2025-09-23 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX INQUIRIES : XXXX - XX/XX/year>XXXX XXXX XXXX XX/XX/year>XXXX XXXX  - XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-23 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: CA

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-09-23 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have a few closed accounts Ive been trying to get removed some 10yrs old have disputed them several times no results

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 2025-09-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The law ( 15 U.S. Code 1681g ) mandates removal of these disputed items within 15 days.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the following inaccurate item that still appears on my credit report : Creditor Name : XXXX XXXX  Account Number : XXXX XXXX This item was recently investigated and removed from my credit file by Transunion after the furnisher failed to verify its accuracy. I have enclosed a copy of their deletion results for your reference. 

Under the Fair Credit Reporting Act ( FCRA ), all consumer reporting agencies must maintain accurate and consistent credit files. Since another major bureau has already confirmed this account to be inaccurate/unverifiable, I request that you delete this entry from my report immediately. 

Please send me written confirmation once this correction has been made.

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 2025-09-23 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I obtained a loan from Navy Federal Credit Union in XX/XX/XXXX. I purchased XXXX insurance from them as well. I sold the vehicle in XX/XX/XXXX. I called them on XX/XX/XXXX and XX/XX/XXXX to request a prorated refund of the unused XXXX insurance. They are refusing to do so saying their policy is no XXXX refunds after 60 days. I lived in California at the time of the origination of the loan and XXXX policy. CA XXXX XXXX XXXX XXXX requires prorated refunds on GAP insurance when the loan is satisfied. I brought this to their attention but they still refuse citing their own internal policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year> my personal mobile device was stolen. The individual who stole my phone was able to process a XXXX transfer of {$1000.00} from my USAA checking account. I reported it to USAA as soon as it was discovered. I also filed a police report with the local XXXX 's office. USAA said they did not need the police report to add in as documentation while conducting their dispute investigation. On XX/XX/year>, USAA issued their update abd said they could do nothing to help and that I, the customer over XXXX  years, was at fault. Everytime I contact them to appeal the dispute, they open it up and immediately close it out with the same ruling. They will not even have a representative from their designated fraud division even contact me to explain why.

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 2025-09-23 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: NC

Complaint narrative:
I am disputing the XXXX XXXX account ending in XXXX appearing on my Equifax, Experian, and TransUnion reports. XXXX XXXX is reporting inconsistent dates of first delinquency and balances across the three bureaus, violating FCRA 607 ( b ). Under FCRA 611 ( a ), I have the right to verification. XXXX XXXX has failed to provide a signed agreement or complete payment history. Per 15 USC 1681i ( a ) ( 5 ) ( A ), unverifiable information must be deleted. Please remove this account 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 non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
DEBT VALIDATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX DIVIRSIFIED ADJUSTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I am reaching out to whomever this matter concerns on behalf of myself, XXXX XXXX XXXX, a federally protected consumer. I am enforcing my rights according to 15 USC 1692g by asking your company to VALIDATE the alleged debt as well as send me evidence that I am obligated to pay this alleged debt. I am not refusing to pay the debt but rather asking your company to validate this debt as it is your lawful duty when asked by a consumer. 

I am also making your company aware that invalidated information on my consumer report may be fraud under federal and state laws, and will not hesitate to bring forth legal action if my rights continue to be violated under the FDCPA and FCRA. You have 30 days to validate this debt it shall be deleted and removed from my credit file immediately. I have also attached a CEASE AND DESIST that is effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: NE

Complaint narrative:
I filed a complaint on XX/XX/year> and asked for verification. They sent a letter with correspondence that doesnt match any of my information. This is a sensitive information breach of another persons information. The complaint was closed. In XX/XX/year> I filed another complaint which was closed due to matching information. There was no option for failed verification and sensitive information breach. If you look at the correspondence sent there is a different name, address, SSN etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts appearing on my credit report under my name. These accounts were opened without my knowledge, authorization, or consent, constituting both fraudulent activity and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The presence of these accounts misrepresents my financial history and raises serious concerns about potential identity theft.

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 2025-09-23 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: FL

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted 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 2025-09-23 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:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted 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 non-monetary relief