vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I booked XXXX fully refundable prepaid hotel reservations through a company formerly known as XXXX ; now Societel after being purchased by XXXX XXXX. I canceled both reservations within the stated cancellation period. XXXX location confirmed cancellation, but never issued the refund ; the other never responded to contact attempts. Both locations have since shut down, and the company is no longer responding to emails or phone calls. 

I attempted to dispute the charges with Bank of America XXXX Alaska XXXX XXXX ), but they denied the dispute, stating I missed the XXXX deadline from the date of purchase. 

However, I was recovering from a major car accident for several months, which made it physically impossible to initiate a timely dispute. I did not dispute immediately ( before my accident ) as I allowed reasonable time for the merchant to process the refund before disputing. I explained this in my dispute letter and requested an exception, but my case was still denied. 

I am requesting the CFPB assist in reviewing this matter. The merchant breached their cancellation policy, failed to issue a refund, and multiple consumers have reported similar experiences. Bank of America is unreasonably denying legitimate consumer protections under the XXXX Credit Billing Act despite medical incapacity and clear merchant misconduct

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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: UT

Complaint narrative:
On XXXX, I transferred funds of {$320.00} from a debit card issued by XXXX Bank into my Chime Checking Account. 

I then utilized the instant transfer feature and sent {$310.00} to a Visa ending in XXXX issued by XXXX XXXX It's been more than XXXX hours but the funds did not get deposited into my Visa or it's associated checking account at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-02 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a credit card from aspire from the XXXX XXXX XXXX. I applied for the card through credit karma and was told that the annual fee would be between {$85.00} and {$120.00}. When the card arrived I was able to activate it and log into the app and Im being charged a {$170.00} fee. I have screenshots of the application and the promotion as well as my statement to back up my claim I contacted the company and they refuse to lower the fee even to the {$120.00} level.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
THIS IS NOT DUPLICATE Between XX/XX/year> and XX/XX/year>, my checking account was repeatedly charged overdraft fees that were not legitimate. In total, I was charged XXXX overdraft fees of {$34.00} each, totaling {$570.00} during this period. 
These fees were assessed because the bank reordered transactions from largest to smallest, which manufactured overdraft situations and maximized fee income. My account history shows that if transactions had been processed in the order I actually made them, my available balance would have been sufficient to cover smaller purchases. 
Examples include XXXX XXXX XXXX XXXX XXXX XXXX  Overdraft fees imposed on small transactions ( {$9.00}, {$10.00}, {$11.00} ) after the bank posted larger debits XXXX XXXX XXXX XXXX XXXX  Multiple {$34.00} fees tied to a {$300.00} XXXX XXXX payment and a {$180.00} utility bill, even though smaller transactions could have cleared. 
XXXX XXXX XXXX XXXX XXXXXXXX overdraft fees tied to relatively small transactions of {$78.00}, {$120.00}, {$120.00}, and {$140.00}. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX new overdraft fees totaling {$170.00}, including XXXX fee on a {$7.00} card purchase. 
These overdraft fees caused serious financial harm. I live on a limited budget, and I depend on each paycheck to cover rent, groceries, utilities, and transportation. Because of these fees, I was forced to delay bill payments, risked late charges from providers, and had to make difficult decisions about necessities. 
I contacted the bank to dispute the charges, but they refused to reverse them, telling me I had used all my courtesy refunds for the year. That is not a fair or acceptable response. These are not discretionary courtesy refunds they are improper charges caused by unfair posting practices. 
Why this is unlawful : UDAAP ( 12 U.S.C. 5531, 5536 ) : Reordering transactions to maximize overdraft fees is an unfair and abusive practice. 
Regulation E ( 12 C.F.R. 1005.17 ) : The bank did not provide clear, timely notice of overdraft activity and failed to give me a meaningful way to opt out of overdraft coverage for XXXX-time transactions. 
Good faith and fair dealing : The banks disclosures did not clearly explain it would reorder transactions to maximize fees. 
This is not a duplicate complaint. While I previously filed a CFPB complaint regarding {$400.00} in overdraft fees from XXXX to XXXXXXXX XXXX  the bank continued charging new overdraft fees after that case was closed, bringing the total loss for this period to {$570.00}. This shows ongoing, unresolved harm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kovo
State: AZ

Complaint narrative:
I have requested that the company remove this from my credit but it is still there. I never applied for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NY

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 2025-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to transfer funds from my other bank account to a newly opened Citi XXXX Bank account. The wire transfer was rejected by Citi Bank, and I was charged a {$40.00} return fee by Citi on XX/XX/year> after my wire is returned. No one at Citi or on my account website page informed me that my new account could not receive wire transfers with XXXX after account open, nor was this restriction disclosed during account setup or in any documentation provided to me. 

I contacted Citi Banks wire transfer team to understand the reason for the rejection and the fee. They confirmed that the account was too new to accept wire transfers and stated that there was no way to credit the funds or reverse the fee. I believe this fee is unfair and should not be my responsibility, as I followed standard procedures and provided accurate 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 2025-10-02 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: Experian Information Solutions Inc.
State: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-02 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: MD

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under 15 U.S.C. 1681i XXXX XXXX XXXX XXXX XXXX  Account not mine XXXX XXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account not mine XXXX XXXX XXXX XXXX XXXX  Account not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of 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 explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( AMER FST FIN ) Re : Cease and Desist Dispute of Alleged Debt / Credit Reporting Demand To Whom It May Concern : Please be advised that I am in receipt of your communications regarding an alleged debt purportedly owed to XXXX XXXX XXXX, referenced under account number [ insert account number ]. I hereby dispute this alleged debt in its entirety, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

XXXX. Dispute of Debt Pursuant to 15 U.S.C. 1692g ( b ), I dispute the validity of this alleged debt. You are therefore required to cease all collection efforts until you provide proper validation, including but not limited to : The name and address of the original creditor ; A copy of the alleged contract or agreement bearing my signature ; and A complete itemization and accounting of the alleged balance. 

Absent such documentation, you lack legal authority to pursue collection. 

XXXX. Cease and Desist Demand Pursuant to 15 U.S.C. 1692c ( c ), you are hereby directed to immediately cease and desist all communication with me regarding this alleged debt. This includes, without limitation, telephone calls, written correspondence, emails, and any third-party contact. 

XXXX Credit Reporting Compliance If you have reported this disputed debt to any credit reporting agency, be advised that such reporting, absent proper validation, constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681s-2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of information known to be inaccurate. Accordingly, you are hereby demanded to : Immediately delete all tradelines or derogatory references concerning this alleged debt from my credit reports with XXXX, XXXX, and XXXX  ; and Refrain from any future reporting of this unvalidated and disputed debt. 

Failure to do so will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney XXXX XXXX in my state, in addition to pursuing all available legal remedies. 

XXXX. Notice of Violations & Reservation of Rights Any continued attempt to collect this unverified debt, continued reporting, or failure to honor this cease and desist notice will be treated as willful violations of federal law and subject XXXX XXXX XXXX to liability, including actual damages, statutory damages, attorneys fees, and costs pursuant to 15 U.S.C. 1692k and 15 U.S.C. 1681n. 

This letter is not a statement of account, nor is it an admission of liability. I expressly reserve all rights, defenses, and remedies under applicable federal and state law. 

You are hereby placed on notice. Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-10-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES 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