vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: NY

Complaint narrative:
I regularly review my credit report because maintaining my credit score is very important to me. However, I continue to see inaccurate and false information that has not been corrected, despite my repeated attempts to address it. This ongoing issue has become extremely stressful and exhausting, and it is unfairly harming both my life and my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX : Demand for Proof of Permissible Purpose Hard Inquiry Dated XX/XX/XXXX To Whom It May Concern : My Trans Union consumer credit file reflects that XXXX accessed my credit on XX/XX/XXXX. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a consumer report may only be obtained with a permissible purpose.

I demand that you provide, within 30 days, competent written proof of permissible purpose, such as : - A signed credit application bearing my signature - A signed written authorization specifically allowing this inquiry - Contractual documents with my signature clearly establishing permissible purpose If you can not provide such proof, you must instruct Trans Union to delete this inquiry and confirm to me in writing. 

SincerelyXXXX 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 explanation
Consumer complaint received 2025-09-25 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.

And according to 15 USC 1681s-2 they are suppose to 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 2025-09-25 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: PA

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 

Unauthorized Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Unauthorized Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

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 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I purchased several money orders from XXXX XXXX XX/XX/XXXX totalling the amount of {$1400.00}. I received two money orders in the amount of {$500.00} and one in the amount of {$400.00}. The money orders were for my XX/XX/XXXX rent. My landlord contacted me stating that he tried to deposit the money orders into his account. 
However the {$400.00} money order, receipt number * XXXX * purchased from agent XXXX. Was returned to my landlord, by his bank saying that it was fraudulent. I immediately contacted Western Union. Created a dispute with the case number XXXX. I was told that the issue would be resolved within XX/XX/XXXX hours. That I would be contacted by someone from Western Union within XXXX to XXXX hours. XXXX hours went by. I still wasnt contacted by anyone. I then went back to XXXX XXXX where I purchased the money order. XXXX XXXX from customer service contacted Western Union, again I was told that they were working on it and the issue would be resolved in 48 hours. A week has gone by. I still have hot received a call back or a refund. It is five days before my rent is due. Every time I call the XXXX, I am unable to speak with an actual person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint regarding JPMorgan Chase Bank due to unauthorized access to my debit card and checking account, which resulted in overdrafts, fraudulent deposits, and ultimately the closure of my account without my consent or proper investigation. 
Summary of the Issue : While I was on vacation, someone gained unauthorized access to my Chase account. During that time : My debit card and/or account information were used without my permission. 
A fraudulent or bad check was deposited into my account. 
This bad check resulted in overdrafts and other suspicious transactions that I did not authorize. 
I did not have access to my account during this time and was unaware of the activity until I returned from vacation. 
I immediately reported the unauthorized activity to Chase Bank and explained that these transactions were fraudulent and not initiated by me. Despite my report, Chase proceeded to close my account, citing the fraudulent activity as a reasonactivity which I had no part in and which I had reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XX/XX/year>, Bank of America offered to settle my XXXX  XXXX XXXX XXXX account for {$11000.00}. I made a {$650.00} payment on XX/XX/year>, toward this settlement. Despite this, Bank of America failed to honor the settlement and continued collection activity. 

Over the following months, I disputed the debt in writing multiple times and requested verification of the information. I never received proper validation. Instead, the account was passed through at least three different collectors, and Bank of Americas attorneys, XXXX XXXX XXXXXXXX XXXX, filed a lawsuit in XXXX XXXX XXXX XXXX ( Case No. XXXX ). 

The lawsuit now demands {$13000.00} an amount inconsistent with the settlement agreement and my payment. At other times, different balances have been reported ( including {$16000.00} ), showing false and conflicting information. My credit report currently shows the account as charged off for {$13000.00} while I am simultaneously being sued for the same amount. 

This conduct has caused financial, credit, and personal harm. I believe it violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) continuing collection without validation ; 1692e false or misleading representations ). 

I am a veteran living with XXXX, anxiety, XXXX, and XXXX. Each time I am forced to respond to this case, it triggers stress responses that harm my health and well-being. 

I am requesting that the CFPB require Bank of America and its attorneys to : 1. Cease collection activity on this disputed debt.

2. Correct and update my credit reporting.

3. Honor the original settlement terms. 

Supporting documents are attached, including a settlement letter, proof of payment, dispute letters, court filings, and a credit report excerpt.

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 2025-09-25 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I've contacted chime regarding the unauthorized transaction that occurred on my account on XX/XX/XXXX for the amount of {$900.00} from XXXX. Ive send significant amount of information to support my claim chime received a large amount of evidence from me & my claim was still denied. Chime dispute team showed negligent towards my complaint that clearly shows the transaction was a fraudulent charge. My dispute was denied 4times now Im on my 5th rebuttal to recover my funds that was stolen out my account. Ive spoken with numerous representatives during the time this issue occurred & chime dispute team been giving false information to there customers. Also like I stated to chime dispute team you can see on my transaction history the fraudulent transaction that occurred with XXXX is out of place Ive never had no history nor business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
My business processes customer payments through Clover / First Data ( Fiserv ). Between XXXX to XXXX, the XXXX Department placed a hold on our settlement funds of approximately {$200000.00}. We received no prior notice, and there are no chargebacks or disputes from our customers. I requested a written explanation, required documentation, and a release timeline, but the company has not provided this information. The withheld funds are causing severe cash flow issues and are critical for our operations. We are requesting CFPB assistance to ensure Clover / First Data ( Fiserv ) provides a clear explanation and releases our legitimate funds.

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 2025-09-25 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX  credit report on 09/25/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.

And according to 15 USC 1681s-2 they are suppose to 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 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX I went to Bank of America in XXXX  California to take out money from my ebt cash benefits, I did one transaction of {$800.00} & another one of {$100.00}. When courting the money I only had {$700.00} I was missing {$200.00}. I went to tell the bank people & they told me to go make a claim with my caseworker. I went to make the claim and was told that I would have to make the claim with you guys.

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 2025-09-25 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: GA

Complaint narrative:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent accounts are : XXXX XXXX BANK XXXX ( {$450.00} ), XXXX CARD ( {$1300.00} ), XXXX XXXX ( {$1000.00} ), XXXX XXXX ( {$680.00} ), XXXX XXXX ( {$1000.00} ). The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

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 2025-09-25 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: IL

Complaint narrative:
i was trying to buy a house and looked up my credit report and seen that since my bankruptcy someone use my credit 15 U.S.C 1681 there should not have any thing 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 2025-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
I closed a loan with TheLoanXXXX on XX/XX/XXXX with my first payment due on XX/XX/XXXX to SPS ( Select Portfolio Servicing ) in which I had scheduled the payment to be delivered through my bank account prior to going out of town. We were out of town for the summer and when returned and went through mail had letters from both XXXX XXXX and XXXX Mortgage stating XXXX was the new servicer and had a " notice of servicing transfer '' effective XX/XX/XXXX. ( will attach documentation below ). We were missing a payment to XXXX for XX/XX/XXXX and had to have XXXX reach out to SPS with proof of documentation that we payed SPS for XXXX and all was cleared/confirmed per XXXX  to continue with future payments to XXXX and account no longer showed missing payment. 

We first reached out to SPS XX/XX/XXXX @ XXXX XXXX ( AZ time ) and spoke to XXXX Ext XXXX, we have then cont. to call and speak to representatives at SPS after each bill/missing payment document received for XXXX and XXXX incl XX/XX/XXXX with XXXX in which she stated they sent a letter of response to inquiry XX/XX/XXXX ( this was a copy of the initial letter of transfer from the loan XXXX to SPS with old address and had to update new address on account for SPS ). 
My husband spoke to someone again at SPS on XX/XX/XXXX after receiving a letter of notification of default. Each time we speak to someone we have to discuss the same scenario and SPS states they can not put hold on accont and keep from going into default while trying to straighten out account, but that if determined no payment needed can send reversal order to credit report agency. 

TheLoanXXXX  confirmed XX/XX/XXXX that the loan was sold to Select Portfolio Servicing ( SPS ) and then XXXX with no payments due to Select Portfolio Servicing ( SPS ). Weve made all of our payments on time to XXXX but SPS is now threatening default on our mortgage. Can you please help escalate? Weve tried reaching out to SPS multipls times and they keep asking us for payemnts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Over the last two weeks I have had Wells Fargo bank deny my request to withdrawal funds from the atm on four different occasions. Each time I have to call in and re-verify my identity by submitting a photo of my ID through a third party website. They usually make me call in two different times once to reset my card and a second time to get the verification link. Today I had to call five different times to verify my account. Each time I called they told me it was flagged for fraud and they reset my card and hung up before I could try to withdrawal the money or say anything. On the fourth time I called they sent me the link that they told me the three previous times they couldnt send me because I was using my digital wallet. ( Every other withdrawal for the last 6 months has been through my digital wallet even the countless ones from before the last two weeks that werent an issue ). The link is for the third party website called intellicheck where I submitted a photo of a photo ID. This usually works and Im able to withdrawal the funds, today however the representative questioned what I was using the money for to which I responded its none of your business its my money. The representative continued to question me on what I was using the funds for because they manage my money so they have a right to know. After that, the representative hung up AGAIN before I was able to try and withdrawal the funds and it didnt work again. At this point I called again to file a complaint where they had to transfer me four different times in order to file my complaint ( another XXXX minutes ). All in all today alone not including the other four times this has happened I spent over an hour and a half on the phone with Wells Fargo to make a simple ATM withdrawal and I still do not have the cash I was trying to withdrawal. I also feel that its misleading to not allow the withdrawal of funds through a digital wallet when it is posted and offered as a means of withdrawing funds from an ATM. I also feel Wells Fargo is discriminatory to the homeless community, as they say I can not request a replacement debit card be shipped to a branch location and it can only be shipped to a home address. The questioning of what Im using the funds for was extremely unprofessional, as well as continuously hanging up on me before resolving my issue.

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 2025-09-25 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: DISCOVER BANK
State: CA

Complaint narrative:
In XX/XX/year> I contacted Discover Card and noticed in XXXX, that there were charges on my bill from XXXX - XX/XX/year> that were not mine. I then made contact ( several times ) with the XXXX department challenging these charges. The XXXX department did not communicate and so I began writing to the XXXX department asking for resolution. 
At first they reversed the charges that were improper in the month of XX/XX/year>, but then the following month they reversed the charges again. In a letter from Discover ( attached ) they assured me that all the fraudulent charges would be revered and there was nothing that I needed to do further. 
I contacted XXXX XXXX and they walked me through all the charges made on my card during this disputed period of time. I sent Discover copies of the purchased from XXXX from XXXX XXXX. ( which are attached ). The Discover Card then denied my claims and reversed the credits that they had previously given me. 
I then sent a written complain to Discover giving them all the evidence I have described, and they declined to grant me credit. I am letting you know that I am now providing you with more information in this case and will attach it in the space provided.

Company response to consumer: Closed with explanation