vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I reported fraudulent charges to my Chase credit card to XXXX and XXXX. I was later contacted by Chase and told that the charges were associated with XXXX and XXXX accounts in my ex-husbands name. I asked if I should make a police report and was told " that wont help. '' My credit card is not a joint account and has never had any authorized users. I did NOT give permission for or have knowledge of these fraudulent transactions. However, the Chase representative told me they would not credit my account for these charges because my ex husband and I still lived together when several of the charges were made and I " could have benefited '' from the purchases. 

I provided everything they asked for and anything else I could think of to show that these purchases were NOT associated with me. 


The following is an email sent to XXXX XXXX on XX/XX/XXXX at the request of Chase customer service : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom it XXXX concern : I did not authorize anyone to use my credit card for the purchases I reported as fraud. As requested, I am attaching documentation for my claim. 
Divorce petition XXXX XXXX history purchase ( I can provide more if needed ). 
Screenshots showing calls : XX/XX/XXXX Reported fraudulent charges to Chase and canceled card XX/XX/XXXX Chase Customer Service XXXX XX/XX/XXXX Chase Customer Service XXXX XX/XX/XXXX Chase XXXX Department XXXX XX/XX/XXXX XXXX Customer Service XXXX XX/XX/XXXX XXXX Customer Service XXXX Each time I spoke to different customer service representatives and was told different information, transferred several times, the line would be disconnected, was told I needed to take it up with XXXX and XXXX directly, etc. 

It wasn't until XXXX, AFTER being transferred several times and given the runaround, that I was finally able to speak with a customer service rep that actually helped me report the charges. 

Please note that there is no way to report purchases as fraudulent without calling and talking to a customer service representative, which has proven to be a long and unproductive use of my energy. I have had a very difficult past few years. I was diagnosed with XXXX last year, am leaving an XXXX  marriage, work full time and have a child to take care of. I don't have a lot of time, energy or resources. 

Thank you for looking at the information. Please let me know if there is anything else I can provide. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not receive a reply to this email. The fraudulent charges have since been placed back onto my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Dear Sir/Madam, I am filing a complaint against PayPal Credit XXXX Synchrony Bank XXXX XXXX fraudulent charges on my account ending in XXXX. 

On XX/XX/year>, I received a letter from Synchrony XXXX XXXX claiming that I authorized or benefited from certain transactions. This is false. 

My Position : I never made these purchases. 

I have no knowledge of the merchants, items, or services. 

I was never provided invoices, receipts, shipping details, or proof of delivery. 

I never authorized anyone to use this account. 

Despite my written dispute on record, XXXX XXXX has XXXX Failed to provide any documentation supporting their claim. 

Refused to comply with the Fair Credit Billing Act ( XXXX ) and Truth in Lending Act ( TILA ), which require proof before holding a consumer liable. 

Continued to charge my account {$840.00} as of XX/XX/year>, while ignoring my fraud claim. 

Requested Action : XXXX XXXX XXXX XXXX XXXX full documentation of the disputed charges, including merchant names, dates, invoices, and delivery records. 

XXXX XXXX XXXX XXXX XXXX reopen my fraud case and place the account in dispute status until resolved. 

Prevent SynchronyXXXX from XXXX or reporting negative information on these fraudulent charges until proof is provided. 

Take enforcement action against XXXX XXXX for XXXX to comply with federal consumer protection laws. 

This situation is causing me financial and emotional distress. I respectfully request CFPBs urgent intervention. 

Complainant : XXXX XXXX XXXX, Texas, XXXX Email : XXXX Phone : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I called Bank Of America on XX/XX/year> and I spoke with a XXXX to see if there were any programs to assist with financial hardships. I made it very clear that I was not interested in any programs that would close the credit card out because my credit and the future of my credit is important to me. After an assessment, I was provided with a monthly base payment of {$300.00} at 6 % which I wanted temporarily, however, I was locked into XXXX years I asked for about XXXX  months. Upon looking at my credit today, I learned that Bank Of America canceled my credit card which was not in the conversation. I made it very clear that I did not want my credit card closed XXXX. When I called for support, no one could help me and kept passing me to different teams. They said that theres nothing that they can do because this is in the their disclaimer. Again, this was very misleading because there was another program that I denied, which did close out the card and theres nothing that I can do at this point. I did not sign anything, I did not receive this information in the mail/email and again I did not agree to the terms in the conversation was extremely misleading. this leaves me in a position with the XXXX-year payout term being more than double what I actually owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A fraud alert is currently being reported on my credit file that I did not authorize. This alert is creating unnecessary restrictions and is preventing me from accessing credit as normal. I have verified my identity and confirmed that this alert was not placed by me. Since it is inaccurate and unauthorized, I am requesting its 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 2025-09-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the presence of several unauthorized XXXX  inquiries that appear on my Experian credit report. After carefully reviewing my file, I identified the following inquiries, none of which were made with my knowledge or consent : XXXX of XXXX - XX/XX/year> XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: GA

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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-09-03 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: GA

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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sunset Management, Inc
State: SC

Complaint narrative:
Good Afternoon, I am still experiencing issues with the same representative from this branch. On XX/XX/XXXX, I made a payment of {$140.00} to bring my account current. During that conversation, I informed her that I would follow up with a call on Friday, XX/XX/year>. She acknowledged this. 

However, today she called again. When I answered, I explained that I had just spoken with her last week and outlined my plan. She interrupted me, stating that I had spoken to a XXXX. I clarified that I am fairly certain it was her, but requested that any notes from my calls be properly documented in the system. She responded, Well, there were no notes in the system that you said that. 

I asked whether calls were monitored and recorded, as I want to ensure my communications are accurately reflectedI am diligent about paying my bills and maintaining proper communication. Before I could finish, she hung up, placed me on hold, and the music played indefinitely. When I attempted to call back, the line simply rang with no response. 

I am unsure why this is happening and have repeatedly tried to resolve the matter professionally. I am not a confrontational person, but at this point, these interactions XXXX constitute a violation of consumer protection laws, specifically XXXX  Code XXXX, which prohibits creditors and XXXX from using abusive, oppressive, or unconscionable collection practices. The manner in which this representative is speaking to a consumer, coupled with the failure to properly document communications, is becoming a serious concern. 

I have made every effort to resolve this issue peacefully, but I am left with no other option than to consider pursuing legal action if this matter is not addressed promptly. 

Thank you for your attention to this serious concern. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: IL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly XXXX XXXX XXXX XXXX, which requires a proper reinvestigation of disputed items, and XXXX ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to XXXX XXXX. XXXX, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
am filing this complaint against PHH Mortgage Services for failure to perform a timely and accurate escrow analysis under 12 CFR 1024.17 ( RESPA ) and for continuing to collect inflated escrow payments based on incorrect assumptions about property taxes and insurance obligations. 

My mortgage servicing was transferred from XXXX XXXX  to PHH on XX/XX/2025. Prior to the transfer, I had a duplicate insurance paymentone paid by me directly and another paid by XXXX caused a {$3700.00} escrow shortage. I have since paid this full amount and submitted all relevant documentation, including : Proof that my homeowners insurance premium was already paid in full for the XXXX policy year A XXXX XXXX Property Appraiser report showing my property is fully homestead-exempt, with {$0.00} in ad valorem property taxes Despite receiving this documentation, PHH has not corrected the escrow account. They have failed to perform a new escrow analysis and continue collecting inflated monthly escrow payments based on outdated and inaccurate data. 

On XX/XX/2025, PHH sent a letter stating they are still waiting for data from XXXXXXXX XXXX and can not complete a new escrow analysis. It has now been over three weeks since the loan transfer. Under 12 CFR 1024.17 ( i ) ( 4 ), a new servicer is required to maintain accurate records, correct any known errors, and issue an escrow statement within 60 days. Their delay and continued over-collection put me at financial risk and violate their legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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