vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am filing a complaint because Bank of America refused to help me with a dispute involving a merchant who never issued my refund. 

I purchased XXXX XXXX  in two separate transactions of {$1700.00} each. The merchant later confirmed to me in writing that they would refund both transactions. The promised refund date was XX/XX/year>, but the merchant never issued the refund. 

I provided proof that the merchant agreed to process the refund, yet Bank of America declined to open a dispute, stating that it was outside the 60-day dispute window. This is not correct under Visa/Mastercard chargeback rules for Credit Not Processed. In these cases, the dispute timeframe begins when the refund was due, not on the original purchase date. The failure of the merchant to issue a promised refund is a qualifying chargeback reason and is not strictly limited by the FCBA 60-day rule.

I am requesting that Bank of America escalate this as a Credit Not Processed dispute and issue a chargeback for the full refund amount, since the merchant failed to fulfill their refund obligation and I have documentation showing that they agreed to provide it.

I am simply asking Bank of America to follow standard chargeback procedures and reopen my dispute based on the merchants failure to provide the promised refund.

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 2025-11-20 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: CA

Complaint narrative:
This letter represents my official notice contesting the accounts cited. I am not associated with them and gave no consent for their creation. I request their prompt review and removal. Supporting paperwork is included.

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 2025-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ZWICKER & ASSOCIATES
State: NV

Complaint narrative:
Beginning XX/XX/year> this company has repeatedly called me before XXXX on 38 separate dates. They have placed these prohibited calls from four different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2025 Harris & Harris , LTD XXXXXXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Re : Formal Debt Validation Request & Cease and Desist Notice Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX Balance Reported : {$810.00} Date Assigned : XX/XX/2025 To Whom It May Concern, This letter serves as a formal demand for full validation of the above-referenced account. I dispute the accuracy, ownership, and validity of this alleged debt under my rights established by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. You are required by federal law to cease all collection activity until you provide proper validation.

Please provide all of the following within five ( 5 ) business days : 1. A copy of the original signed contract or agreement bearing my signature, establishing the alleged debt.

2. An itemized statement detailing the balance, including principal, interest, late fees, and any other charges.

3. A copy of the assignment contract or bill of sale between your company and the original creditor proving that you have legal authority to collect or report this debt.

4. The name, address, and full contact information of the original creditor ( XXXX XXXX ). 
5. Proof of licensing and authorization to collect debts in the State of Florida.

A generic billing statement or internally generated verification from your system does not satisfy this federal requirement.

Cease and Desist Notice Until you have provided full and proper validation as required by law, you are instructed to immediately cease all collection efforts, including but not limited to : Reporting or verifying this account to any consumer reporting agency ( XXXX XXXX or XXXX  ) Making phone calls, sending letters, or initiating any other form of contact Failure to Comply Failure to comply with this request will result in the following actions without further notice : Filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Florida Attorney General, and the XXXX XXXX XXXX XXXX XXXX  ). 
Consideration of legal action for violations of the FDCPA and FCRA, which may include statutory damages, attorneys fees, and court costs. 

If you can not provide full documentation within the allotted time, you must : Cease all collection efforts immediately Delete this account from all consumer reporting agencies Provide written confirmation that the account has been permanently removed You have been formally notified. Please govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
XXXX  sent an instant transfer to a closed XXXX XXXX  account, I talked to XXXX and they said it's impossible to successfully send an instant transfer to a closed bank account. 

XXXX XXXX  has confirmed the account is closed and can not receive an instant transfer. The funds must have been rejected and returned. I need XXXX  to confirm the Return Trace Number from the payment network ( e.g., XXXX network or card network for Instant Transfer ) to locate the funds ' return. Eight days is too long for a returned instant transfer. 

XXXX  refuses to give me the money back, insisting the transfer was successful and XXXX XXXX  said emphatically that it's impossible to successfully transfer money to a closed account. 

I am stuck in the middle and my money is lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: IL

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending XXXX ( PenFed ) that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furniture but the late payments remain without proper validation or documentation. Under 15USC 1681 S 2 A furnitures must report accurate information, under 15 USC1681 I The credit bureaus must perform a reasonable investigation within 30 days neither of them have provided sufficient evidence to support the negative reporting

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 2025-11-20 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I was recently the victim of a scam involving a fraudulent posting titled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that appeared on the XXXX XXXX XXXX website. The opportunity seemed legitimate, and although I never provided the scammers with personal information, they emailed me a check and instructed me to deposit it through Chase Bank. Chase accepted and cleared the check, which led me to believe the project was authentic, and I followed the instructions given. When I realized the casting call was a scam, I immediately returned the funds, filed a police report with the XXXX XXXX  XXXX  in Indiana, and contacted both Chase and my credit union. My credit union addressed the issue right away and recognized the incident as fraud without penalizing me. However, despite my timely actions and the documentation I providedincluding the police reportChase is now attempting to hold me financially responsible for the fraudulent deposit, even though they initially cleared the check. This situation is unfair, as I acted in good faith, relied on Chases validation of the check, and took immediate steps to correct the issue once the scam was uncovered. I am requesting that Chase reevaluate the case, recognize the fraudulent nature of the situation, and remove any financial liability attributed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: MA

Complaint narrative:
I legally changed my name in XXXX. CashApp is refusing to update the name on my account despite me providing my ID and official decree of my name change multiple times. Their support doesn't reply and barely looks at the documents you submit. I'm pretty sure it's all done by XXXX. I was given the runaround before, and now I have no choice but to close the account because I can no longer deposit money. I launched a complaint with the XXXX  and received an email response from " XXXX '' in the " Complaints Department '' with an XXXX  generated, copy-and-paste email and a defective link. Noone is manning the support email, so there is no way for me to actually have a conversation with the " complaints department ''. I had to wait a whole thirty minutes to speak with a manager to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-20 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following items on my credit report, as they contain errors, inaccuracies, and/or incomplete reporting. I have made several attempts to resolve these discrepancies directly with the respective credit bureaus and creditors, but the issues remain unresolved. Below are the accounts in dispute, separated by each credit bureau. 

Charge Off : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX/XXXX  Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments : XXXX  XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: IN

Complaint narrative:
I am requesting an immediately permanent FCRA 605B identity-theft block for a XXXX XXXX and XXXX XXXX account that was fraudulently opened in my name. 
I have submitted an FTC Identity Theft Report ( Number : XXXX ) and a police report ( Number : XXXX ). 
This account has previously been blocked under 605B, yet XXXX XXXX and XXXX XXXX keeps re-reporting it. 
The bureau removes it, but it keeps appearing, which violates FCRA 605B.

I need the account permanently blocked, and written confirmation provided.

I request that CFPB escalate this to ensure the accounts can not be reinserted.

FCRA 605B FTC Identity Theft Report, the credit bureau must permanently block the fraudulent account within 4 business 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 2025-11-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: MA

Complaint narrative:
I submitted a dispute for thousands of dollars stolen off my card on XX/XX/XXXX and XX/XX/year> the dispute was approved and marked resolved. Yet I have not been refunded my money. I have waited on hold over XXXX hours been misinformed MANY times promised a date for the refund and nothing. I finally spoke to a supervisor by the name of XXXX who said she submitted an email to the higher ups to have it resolved immediately because the two escalations have not even been looked at and they are long overdue to be fixed. The dispute was approved and mistakenly marked resolved when in fact it is NOT RESOLVED bc I have not been paid out!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-20 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: GA

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 explanation
Consumer complaint received 2025-11-20 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: PA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of 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 non-monetary relief
Consumer complaint received 2025-11-20 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:
I am submitting this statement to dispute the inaccuracies and incomplete reporting on my credit report. Below are the accounts in dispute, categorized by account type and bureau. 

Charged-Off Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-20 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: VA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-20 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 am a consumer actively working to correct the inaccuracies in my credit report. Below are the details of the disputed accounts for each credit bureau : Charged Off Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation