vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: Fidelity National Information Services, Inc. (FNIS)
State: MS

Complaint narrative:
I am writing again regarding my prior complaint dated XX/XX/year>. In ChexSystems response, they stated : XXXX  XXXX XXXX has since provided additional details that certify the accuracy and completeness of the previously deleted information, and ChexSystems has reinserted it into the consumer file. ChexSystems sent a letter to notify the consumer and to provide an updated consumer disclosure report. 

This statement is incorrect. I have attached the letter I received directly from XXXX  XXXX XXXX, which contradicts ChexSystems claim. 

Due to the ongoing misinformation and the years of damage this has caused, I am requesting {$1000.00} in compensation for this violation. If this matter is not resolved, I am prepared to pursue further action to ensure accountability and justice. 

Thank you for your time and attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
I was looking into getting a degree from the XXXX  XXXX XXXX XXXX Online. I was told the first class could be taken on a " Free Sample Basis '' and if I decided not to continue in the program I would not be charged for the first class.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
I am disputing the following account information on my Experian credit report, as the information provided is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). I also believe a data breach may have occurred during the reporting process.

The following accounts need review : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Collection Balance : {$1300.00} Date Opened : XX/XX/year> Comments : Account placed for collection, disputed by consumer. 
FCRA Violation : The reported status of this account does not match the actual account history. It needs to reflect the correct status based on consumer payment history.

Data Breach Reference : The misrepresentation of the account indicates a potential violation in the processing of sensitive financial data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Collection Balance : {$330.00} Date Opened : XX/XX/year> Comments : Unpaid balance reported as a loss. 
FCRA Violation : This account is not accurately reported, and the balance and status do not reflect the correct financial obligations. It is critical that this account be reviewed and rectified.

Data Breach Reference : Potential data mishandling or breach, affecting the accuracy of reported financial data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
b'I made a purchase for VIP package to go to XXXX XXXX XXXX racing for XXXX XXXX\n\nI was surprised when we arrived at the gate after paying XXXX that and additional $160.00 charges at the gate. \n\nThe service that was paid for was not even close to being honored by XXXX XXXX\n\nI filed a charge dispute on this I believe 3 times as Synchrony Bank kept closing it. They asked for me to provide information by mail because it in inconvenient to print and mail. The information could have been submitted via email but they have no way to do it?\n\nSo information was mailed to the address they requested and again they close the dispute and said they did not get nothing from me which I believe is just another way to avoid them from doing their job.\n\n Well the email change between myself and the merchant are attached here. XXXX also needs to be attached to this issue also: XXXX  or call us at XXXX XXXX. Address: 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: Experian Information Solutions Inc.
State: NC

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
My property was sold on XX/XX/year> and the mortgage was paid in full. ( Freedom Mortgage sent me a letter stating that the mortgage was paid in full. ) When the mortgage was originated Freedom Mortgage filed XXXX liens on the property. The second XXXX was mistaken ly filed to correct an omission on the first XXXX. 

When the property was sold XXXX XXXX was released but not the other. Since early XXXX, my attorney and I have contacted Freedom 's Customer Service doens of times. Each time, we were told that the Lien Release Section was working on the problem and they would get back with us in a few days. They have never gotten back.

Until the second lien is released, the title compant will not release the procedes from the sale that is due me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: FISERV FINXACT CORE
State: OR

Complaint narrative:
Unfortunately, you do not give a section to list my company name except in the section for public view. I do not want my company name publicized. The company name is XXXX XXXX XXXX XXXX You will need that to file the complaint. 
Telecheck is a merchant service. They were sub-contracted by XXXX. XXXX processes the customer credit card payments and Telecheck processes the customer ACH payments. I had several clients pay through XXXX and the money did not appear in my account. I called XXXX and they could not figure out the issue. They told me to call Telecheck, since they process the XXXX. Telecheck showed me the receipt and I immediately noticed that my bank account number had been entered ( by them ) incorrectly. I pointed out the error. Telecheck made a mistake in their set-up of my ACH. My account number was correct in my application for services from XXXX so the error was on the side of Telecheck. It took, at least XXXX hours to get to the receipt and for XXXX to see the problem. Once the problem was pointed out, Telecheck promised to fix it. The only contact that I have to check status is someone who has no idea about any time frame. The initial customer payment was XX/XX/year> and today XX/XX/year>, I have still not received the payment. Customer service should at least have some update but the people answering the phone are in XXXX or have XXXX access to any real information. I have filed with the BBB and now I can see that there have been many complaints about the service of Telecheck. I was told by Telecheck that my case was " escalated ''. I don't believe it was escalated. I would never recommend Telecheck or XXXX. Now another client has paid with XXXX through Telecheck and I don't have access to that money either. when I called Telecheck to check status, I was routed to the XXXX where the one who answered the call asked me lots of questions to verify who i was. After endless questions to validate me, He said, " how can I help you '' I said, " you just validated and verified me for security purposes, you should be able to know why I called by looking at my account 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 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
I received a summons from the court of AZ last XXXX and it's from XXXX  XXXX credit card ... i know i am paying them before on my credit card debt but i stop paying it when i got hospitalized i think that was 3 years ago I can't really remember, all these credit cards problems i have got it thru love scam ... i can hardly pay them since all my money was taken also by people who scam me... i asked this Debt collector Gurstel law firm if i can start paying again for 50 dollars monthly for i don't have regular job and still on my bad past experiences.... i know this second credit card they offer to me isn't that amount if i can remember... if I'm not mistaken my credit card limit before on that time is XXXX because i got issues on the first credit payments on the first offer ... i was confused on the amount they're asking me to pay XXXX and XXXX on my first credit card ... i tried to talk to me if i can pay them 50 monthly until i will get back on my foot again and pay what minimum amount they want me to pay but they rejected... they told me on the XXXX i owed to the second credit card the minimum they will ask is 250 monthly and first credit card that i still owes XXXX is XXXX XXXX  monthly ... this first credit card i think the total amount they want me to pay before is also XXXX plus but because I'm paying them ok before it lowers to XXXX now... I'm just asking on their compassion on my situation that i can only afford for now XXXX a month until i will be going back to normal situation... i ask them i will start to pay them XXXX and just withdraw the summons of the court they sent to me but they rejected ... hope they understand my situation... i got these all problems from bad people who ruined my life .. hope they understand, thank you for giving me the opportunity to write on my side...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
On XXXX the XXXX. I wired {$61000.00} to Santander Bank to settle a XXXX XXXX transaction. The information provided to me by the real estate settlement agency was Incorrect. It was not supposed to go to the Santander Bank. The Santander Bank Informed me that they had all the money and had put it in a frozen account. The sending bank ( See complaint CFPD XXXX ) informed me that they can not get the money because the account is frozen. For more than two months, I have been actively working to get both banks involved to resolve this ongoing issue. Despite repeated attempts and ongoing communication, the situation remains unresolved, and I continue to seek a satisfactory resolution from both parties. 
I need Santander Bank to return the money to the sending bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I requested a wire transfer of several XXXX XXXXXXXX XXXX  to XXXX from my Chase checking account at the XXXX, CA XXXX branch. The bank official was very nice but even with the help of the XXXXnager, they could not make the transfer saying something like my cell phone was preventing the transfer. I am supposed to have free wire capability with my sapphire checking account, but it appears that this is useless. They told me to come back the next day which I did but again with no success. I am losing about {$50.00} per day in interest while Chase is presumably making money with my money. The told me to come back on Monday, XX/XX/year>. On that date the associate tried once again to wire the funds and got the same message that my cell phone did not satisfy their system. She then called higher bank officials and after checking, they concluded that the wire transfer could not be performed. I had the bank give me a cashier 's check and I made a XXXX hour round XXXX XXXX to transfer the funds to XXXX. As a result, I lost several days of interest, had to settle for a lower interest rate and lost about XXXX hours of time. 

In the meantime, I filed a complaint with the BBB who apparently contacted Chase. XXXX at XXXX, ext. XXXX from Chase contacted me twice by phone and asked the details of my complaint and said she would research it. On XX/XX/year>, XXXX called and said she was closing the case because she could not find any record of an attempt to send a wire transfer. I asked XXXX if she had contacted the associate and bank manager to confirm my complaint and she did not reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a check from XXXX for my car accident on XXXX dollars and put to my credit card XX/XX/year> which was posted XX/XX/year> on my credit card balance. I have put it on my credit card because I already have some expenses and becoming expenses for fixing my car etc. 
But my card soon after was blocked and I can not use it. So I called to Bank of America to figure it out what's going on with my card. They said you have to much money on your credit card that's why it was blocked. I saw that my balance was overpaying because of that check but anyway I have becoming expenses. So they proposed me to adjust balance to XXXX and excessive amount transfer to my bank account. Their representative XXXX sure me that I will receive that money to my bank account within XXXX business days just need my approval. What choice I had? I agreed. 
They did transfer XX/XX/year> XXXX CREDIT BALANCE REF XXXX $ this is in my statement. 

Anyway I waited about a week while my credit cycle will close and can not use my card. 
In XXXX business days I still didn't get money on my bank account and called them again. 
Explaining several times my situation. 
Bank representative open a case XX/XX/year> for this calling it " research '' and again I need to wait next XXXX business days. 
XX/XX/year> Called again, explain again everything from XXXX, at last they found my case and after long waiting they said you need to wait 2 month for research. 
So XXXX month pass and I need to wait another 2 month because they said they transfer money to different account. 
For now no money no information about my case. I require them to send me case number etc. They refused calling it internal research " We do not send anything on email only by phone. '' How to prove it? How to sue it? Only what I have is transaction in my statement and last recorded call with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
An unauthorized withdrawal of {$410.00} was made on my checking account by an utility company in error. I called the company and was advised to submit a dispute to my bank and they would not dispute since the withdrawal was in error.. I filed a claim XX/XX/year> with Capital One and was told I would receive provisional credit in 10 days due to company charged account in error. No credit has been provided and I have called and spoken with at least XXXX supervisors who say the claim and is being processed and then a supervisor who says there is no report of the claim and then another supervisor who says the claim was not attested by me, it's always a different excuse from the bank representatives and my account has been overdrawn for 22 days and no credit to my account and the utility company has not disputed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
I am disputing the following accounts because the reporting appears inaccurate, incomplete, or unverifiable. I am asking for a full investigation as required under the Fair Credit Reporting Act. 

CHARGED OFF XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX Balance : XXXX This account is reporting incorrectly and I do not believe the information is being verified properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NJ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with non-monetary relief