vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Company : Bank of America Date of international money transfer : XX/XX/year> Amount of money sent : {$170.00} or XXXX XXXX Account was debited right away but money was not received by recipient. Requested a re-claim around XXXX XXXX, 2025 via phone after weeks of money not being received by recipient in the XXXX. Until now, money has not been credited back to account. Called an agent today and said still no status on where the money is, she is saying that the money is not in Bank of America anymore, the bank in the XXXX ( XXXXXXXX XXXX XXXX ) is claiming they don't have it as well. A BOA Resolution Specialist sent an email but did not return back an email, attempted to reach the specialist but the direct number /extension goes straight to voicemail and no call backs even with multiple voicemail messages.

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 2025-04-15 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: DE

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-15 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: FL

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible 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 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
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible 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 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 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Beginning on XX/XX/XXXX, XXXX individual fraudulent {$1000.00} transactions were made by XXXX XXXX XXXX on this Capital One 360 checking account. 
1 ) 7 Fraudulent charges for {$1000.00} each were made on the account, from XXXX under the name XXXX XXXX XXXX XXXX 
2 ) There were 8 additional fraudulent claims made in XXXX. 
3 ) The XXXX statement for this account ( sent in XXXX ) was never received by the account holder ( who is XXXX and does everything on paper. This is my father ). 
4 ) Upon receipt of the XXXX statement ( in XXXX ), he saw the fraud on the XXXX statement and the initial reporting of the fraud on his account ( XX/XX/XXXX ). He let Capital One know about fraud on the account and fraudulent charges by XXXX XXXX XXXX. In XX/XX/XXXX, Capital One acknowledged the fraudulent activity for XXXX and refunded {$8000.00}, but not for XXXX. 
5 ) Since he did not receive a XXXX, statement, he did not notice the fraud on his account extended back to XXXX until XX/XX/XXXX. At that point he let Capital One know the fraud extended back 2 weeks prior to XXXX. 
6 ) Capital One went through a lengthy delay process, keeping this XXXX XXXX XXXX on the phone for more than 7 hours across various days as he tried to get this resolved. They denied the claim as outside of the specified period. They continued to delay the case - and then they ruled the case was out of the allotted 120 day period. 

First : it seems that the delay and challenging customer service denials serve as a buffer to actually getting claims filed, especially to someone elderly. Second, the bank researched the payee ( XXXX XXXX ) and assessed it was in fact fraud. As such, they of course ran a check to see if there was a history of payments to XXXX XXXX XXXX to tell if this was truly fraud. Which means they would have known about the XXXX XXXX charges, but did not acknowledge them to the customer. They have vetted the case and know there is fraud on the account- now claiming that the delay put these claims outside of their consideration window They knew about all of the fraud charges, even if it took my father another 2 months to catch them. 
7 ) I ( his son ) finally found out about this in XXXX of XXXX. I helped him and we had the case appealed, and then declined again. 
8 ) Each case manager we have spoken with ( 4 of them ) agree this should not have been denied, yet the claims review department keeps denying. 
9 ) My father did nothing wrong. His account was compromised. He is a XXXX and the process they put him through was atrocious and agist. It was nearly impossible for him to follow along, even as his book keeper tried to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MD

Complaint narrative:
I want the company to remove the fraudulent inquiries in 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 2025-04-15 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I purchased money orders to buy a car from an auction however it did not work out so I deposited about XXXX money orders equaling a total of {$2200.00} on XXXX, XXXX i was advised that the deposit would be available on XX/XX/year>. When that date came I did not receive the money instead received a letter stating my account was closed. The money was never available I have provided receipts from XXXX where i purchased the money order which the bank advised me to submit for release of the funds on XX/XX/year>. I called on XX/XX/year> to speak with a supervisor who told me that they dont have to give me the funds to go back through XXXX  XXXX to have the funds reverse. I have still yet to receive the money i also went to chase bank to speak with the bank manager no luck. Today XX/XX/year> I received copys of the money orders from chase where i was then able to provide that information to XXXX XXXX and told by XXXX XXXX that since the money orders was cashed by chase bank they could not reverse the payments they emailed me a copy of the cashed money orders for proof. I then called chase where they said they was unable to verify the money order and the last time they tried to verify was XXXX, XXXX I have did everything I can to get my money from the bank and has had no hope Im a XXXX and really need my money so with the help of you all i hope im able to recover the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: PA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-04-15 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: PA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
I was a victim of identity theft and this is my request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXXXXXX XXXX  XXXX Balance {$3300.00} XXXXXXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
They charged me overdraft and account fees that were incorrect and for no reason

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 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, D.C. XXXX Subject : Formal Complaint Regarding Unrefunded Returned Merchandise XXXX and Chase Bank Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX and JPMorgan Chase Bank , N.A . regarding a refund that I am owed for merchandise that was returned in accordance with XXXX return policy. 
On XX/XX/XXXX, I purchased XXXX laptops directly from XXXX website using my Chase debit card. Due to personal reasons, I returned all XXXX  laptops and shipped them back to XXXX. The return was delivered and received by XXXX on XX/XX/XXXX. I have attached the tracking number and shipping confirmation for your reference : XXXX. 
I was given a return label XX/XX/XXXX. 
After the return, I received an email from XXXX confirming that the laptops had been received and that a refund would be processed. However, despite this confirmation, I have not received the refund to date nearly four months later. 
I initiated a dispute with Chase to recover the funds, but Chase ultimately denied the claim, citing that XXXX informed them that the matter should be resolved directly with the merchant. I have made multiple attempts to resolve this directly with XXXX. While XXXX has repeatedly acknowledged that I am owed a refund and stated they would process it, they have failed to do so. 
As a consumer, I feel I have exhausted all reasonable avenues to resolve this issue amicably. I am requesting the assistance of the Consumer Financial Protection Bureau in investigating this matter and helping me secure the refund I am rightfully owed. 
Please find attached all relevant documentation, including proof of purchase, the return shipping confirmation, XXXX acknowledgment of the return, and correspondence with both XXXX and Chase. 
Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: GA

Complaint narrative:
I realized around XX/XX/XXXX that I had lost my XXXX XXXX card. I called and submitted a request to get a replacement card. After a week I did not receive a card and no response. I called back and was told my request went to the fraud department and was advised to go to SS office for assistance. XX/XX/XXXX, I went to social security office and requested a new card. they submitted the request and said to expect a call from XXXX XXXX. Got a call from them the next day and they requested a copy of my ID. I faxed the copy front and back to them. I called them the on the make sure they received it. They had but said the fax was not in color and couldn't be accepted. I then emailed the color copy of my ID. Their response later that evening was the my ID was expired. On XX/XX/XXXX I sent back to SS Office and provided my bank account information for future payments. I was informed that it was too late to intercept this months payment had been sent to XXXX XXXX. I called XXXX XXXX, they requested my birth certificate and SS card to verify my identity. I emailed the requested documents again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Every response from them is that there's some issue with my documents. I called XXXX XXXX on XX/XX/XXXX and was told to go back to SS Admin and have my funds withdrawn from XXXX XXXX and transferred to my bank account. I called SS and they don't perform that service anymore. I was told they need me to send 1 page/doc at time and to resend my ID. I emailed my ID again and go email that it's expired. The expiration date is XX/XX/2026! My only income is my Social Security benefit, and it is being held by XXXX XXXX and I am at a loss as for how to get a new card from them to access my funds. PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Lawful Notice to Correct My Appellation under the FCRA and Name Accuracy in Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX c/o [ Non-Domestic, without the U.S. ] SSN : XXXX Date : XX/XX/XXXX To : [ Equifax / Experian / TransUnion send one letter to each, separately ] Subject : Lawful Notice to Correct My Appellation under the FCRA and Name Accuracy in Credit Reporting Act To Whom It May Concern, I, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and natural living being, am asserting my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Name Accuracy in Credit Reporting Act of 2023, to demand the immediate correction of my personal identifying information within your records.

This letter constitutes Lawful Notice and Demand to correct all credit records to reflect my proper and lawful appellation : Correct Appellation : XXXX XXXX XXXX XXXX XXXX and all past misnomers, including but not limited to : * XXXX XXXX XXXX * XXXX XXXX XXXX * Any ALL-CAPS derivatives are inaccurate and do not reflect my lawful status or identity as a XXXX XXXX XXXX XXXX Their continued use constitutes misrepresentation and must be corrected immediately.

I formally demand that your office : 1. Update all credit records to reflect the accurate legal name : XXXX XXXX XXXX XXXX XXXX. Remove any erroneous, incomplete, or outdated name variations XXXX. Confirm in writing that the updates have been completed, as required within 30 days under federal law Enclosures : * Rcorded Name Declaration or supporting affidavit * NationalityIssued Identification * Proof of mailing location ( e.g., recent utility statement ) Failure to comply may result in a formal complaint being filed with the Consumer Financial Protection Bureau, Federal Trade Commission, and/or further legal action for willful non-compliance, misidentification, or violation of consumer rights under federal statutes. 

Respectfully in Honor, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX [ Non-Domestic ] XXXX XXXX XXXX Near 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