vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am submitting this complaint under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681g, regarding inaccurate, inconsistent, and legally unverifiable information furnished by JPMCB CARD. 

This account has been previously disputed with the credit bureaus ; however, the disputes were handled through what can only be characterized as sham investigationsautomated processes conducted solely through e-OSCAR with no meaningful human review or consumer-specific validation. This is a direct violation of FCRA 1681i ( a ) ( 1 ) ( A ), which requires a reasonable reinvestigation.

These actions also fail to comply with FCRA 1681e ( b ) and Metro 2 reporting standards, which require furnishers and credit bureaus to maintain reasonable procedures to assure maximum possible accuracy. 

Specific Issues With the Reporting JPMCB CARD Account XXXX The account is reported as closed and charged off, with a balance of {$3500.00}, yet no verification has been provided to substantiate that the charge-off is accurate, valid, or lawfully reported.

Under FCRA 1681s-2 ( a ), furnishers must not report information they knowor should knowis inaccurate.

The continued reliance on unsubstantiated or unverifiable data violates the FCRA accuracy standards under 1681e ( b ). 

Nevada consumer protection laws prohibit unfair or deceptive credit reporting practices, including reporting information that falsely implies an ongoing liability or lawful charge-off where no verifiable evidence exists. 

This account has not been validated through any documentary records, billing statements, or charge-off notices, and therefore remains unverified, inconsistent, and unlawfully reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
USAA closed my accounts ( checking and savings ) {$3600.00} total and didnt give me a reason why. They are now holding all my money and I can not pay my rent, pay for groceries. I am a single mom and I was just laid off. They are keeping my unemployment from me. I can not feed my children and they wont give me my money. 

They closed my account XX/XX/year> but gave no reason. I called them XX/XX/year> and XX/XX/year> begging for access to my money because I need to pay my rent and they said I have to wait 60 days to access those funds just in case I have any pending charges come through. 

I can not pay my rent. I can not feed my XXXX babies. They wont help me. 

There is no legal action, garnishment, fraud case, or subpoena on this account. I simply need access to my money. 

I am requesting that USAA immediately provide a partial release of funds not subject to pending transactions and provide a clear timeline and written instructions for how and when remaining funds will be released. USAA is not providing due process or clarity regarding access to my funds. 

I am asking CFPB to intervene so that I can access my money in a reasonable timeframe to maintain housing and basic living expenses. 

Under UCC Article 4 and Regulation CC ( 12 CFR 229 ), banks must differentiate between : 1. Funds subject to pending debit or ACH transactions 2. Remaining available funds At this time, USAA has not provided a breakdown of my balance, has not disclosed the total amount of pending transactions, and is withholding 100 % of my funds due to unspecified pending charges. There is no legal basis to withhold all funds because of pending authorizations.

Further, under the CFPB UDAAP standards ( Unfair, Deceptive, Abusive Acts or Practices ), financial institutions must not cause harm by restricting access to consumer funds without clear explanation and reasonable accommodation. 

Withholding 100 % of my funds is causing a housing hardship, as this money is needed for rent and basic living expenses.

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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
This account with Transworld Systems Inc. ( TSI ) was removed from my credit report on XX/XX/year> and then illegally reinserted yesterday without the required prior notice. Under FCRA 611 ( a ) ( 5 ) ( B ), reinsertion of a previously deleted account is unlawful unless the consumer is provided written notice within five ( 5 ) business days of the reinsertion which I did not receive. In addition, I have never received any written validation or initial notice of this alleged debt as required under FDCPA 809 ( a ), nor have I ever been provided proper verification despite submitting a timely validation request well over 30 days ago. Under FDCPA 809 ( b ), all collection activity and credit reporting must cease until verification is provided, yet this account continues to be reported. To lawfully validate this debt, TSI must provide : the name of the original creditor, a copy of any contract or agreement bearing my signature, full itemized account statements and payment history, the original account open date, proof of legal ownership or assignment of the debt to Transworld Systems Inc., and documentation showing legal authority to collect in my state. None of this has been provided. The act of deleting this account and then reinserting it without statutory notice, while still failing to provide validation, is a direct violation of the FDCPA and FCRA. I am demanding immediate deletion of this account from all credit bureaus. Failure to comply will result in formal legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Equifax has engaged in unlawful, negligent, and reckless data handling by repeatedly altering, reconstructing, and manufacturing payment histories on multiple accounts without any documented verification from the furnishers. These changes are not corrections they are fabrications. Equifax has changed months previously reported as Current to Unknown, 30 Days Late, and 60 Days Late, and even changed months previously reported as Charged Off into late payments, which is impossible under federal credit reporting standards. A charged-off month can not be reversed, rewritten, or replaced. Equifax also inserted new derogatory information for years where no negative history ever existed, added remark codes that were never provided by the creditors, and introduced Unknown statuses to months where Equifax had previously claimed verified data. These actions demonstrate a systemic failure to maintain the maximum possible accuracy required by FCRA 1681e ( b ) and a blatant violation of FCRA 1681i, as Equifax is not verifying information it is inventing it. The re-aging of old accounts and insertion of new derogatories years after the fact is a direct violation of FACTA.

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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint regarding Bank of America mishandling of a clear case of debit card fraud, along with their improper denial of my claim and refusal to issue a provisional credit.

My debit card and wallet were lost, and shortly afterward, {$2000.00} was stolen from my account through two separate unauthorized transactions of {$1000.00} each. As soon as I noticed the fraudulent activity, I immediately contacted the bank to report the card lost, dispute the charges, and file a fraud claim. During that call, I requested a provisional credit so I could continue operating my business while the claim was under review.

Within one to two days, Bank of America denied the claim without properly investigating and without notifying me. I only learned it had been denied when I called to check on the status. When I asked for the reason, I was told that the charges were considered authorized because I supposedly confirmed them via text message. This is false. I have the original text message from the bank, and it clearly shows that I replied NO to the authorization request. I have already faxed the screenshots as proof.

Additionally, no PIN was used for any of the fraudulent transactions. These were card-present or online purchases made by whoever found or stole my wallet. The bank then falsely claimed that I attempted to withdraw the money myself at an ATM, which is completely untrue. The representative appears to have confused a deposit I made with a withdrawal and used that incorrect assumption to justify denying the claim.

Despite providing evidence, including the text message showing my NO response, Bank of America still refuses to acknowledge the fraud or issue a provisional credit as required under Regulation E. Their handling of this situation suggests either a failure to properly investigate or a deliberate attempt to avoid issuing provisional credit.

I am requesting the CFPBs assistance in : Requiring Bank of America to properly investigate the fraud claim in compliance with Regulation E ; Reversing the improper denial of my dispute for the two unauthorized {$1000.00} transactions ; Issuing the provisional credit I was entitled to during the investigation ; and Correcting any false notes or statements made by representatives regarding my alleged authorization or ATM activity.

I have documentation available to support my claims, including the SMS message showing my NO response and evidence that I did not authorize, perform, or benefit from the two fraudulent {$1000.00} transactions.

Thank you for your attention to 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 monetary relief
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax has engaged in unlawful, negligent, and reckless data handling by repeatedly altering, reconstructing, and manufacturing payment histories on multiple accounts without any documented verification from the furnishers. These changes are not corrections they are fabrications. Equifax has changed months previously reported as Current to Unknown, 30 Days Late, and 60 Days Late, and even changed months previously reported as Charged Off into late payments, which is impossible under federal credit reporting standards. A charged-off month can not be reversed, rewritten, or replaced. Equifax also inserted new derogatory information for years where no negative history ever existed, added remark codes that were never provided by the creditors, and introduced Unknown statuses to months where Equifax had previously claimed verified data. These actions demonstrate a systemic failure to maintain the maximum possible accuracy required by FCRA 1681e ( b ) and a blatant violation of FCRA 1681i, as Equifax is not verifying information it is inventing it. The re-aging of old accounts and insertion of new derogatories years after the fact is a direct violation of FACTA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have been a XXXX  customer for 5 years this is the XXXX outage with them and with no end in sight. The app has been down since XXXX XXXX  XX/XX/year>. I cant access my money I cant spend on my card. The app wont even load up. XXXX  wont respond or acknowledge there is an outage but over XXXX people are experiencing the same. I need my money to fly back to Texas for an emergency surgery. XXXX  wont let me access my funds and if I have to miss my Emergency Surgery i will file a lawsuit. All the companies have free rein to do whatever they have the same rights as the consumer but we are the only ones that have to deal with it. Please stop letting all these companies ruin America for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CFPB COMPLAINT TransUnion Subject : TransUnion Reporting Inaccurate, Unverified, and Obsolete Information in Violation of the FCRA To : Consumer Financial Protection Bureau ( CFPB ) Company : TransUnion, LLC Summary of Complaint : I am filing this complaint because TransUnion is reporting multiple inaccurate, unverified, and obsolete derogatory accounts, including collections and charge-offs, despite prior disputes. These inaccuracies are harming my credit, employment opportunities, loan eligibility, and financial stability.

TransUnion is violating the following sections of the Fair Credit Reporting Act ( FCRA ) : FCRA 602 ( A ) Maintaining maximum possible accuracy FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 607 ( b ) Failure to assure accuracy FCRA 609 ( a ) ( 1 ) Failure to provide the method of verification upon request Specific Issues : TransUnion is reporting incorrect personal information : Multiple outdated or inaccurate addresses ( only correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Incorrect phone numbers Incorrect name variations TransUnion is also reporting several collection and charged-off accounts that remain unvalidated, despite disputes and requests for itemized verification.

I demand that TransUnion : 1. Conduct a full FCRA-compliant reinvestigation, 2. Obtain complete validation from each furnisher, including contracts, billing statements, and chain of title, 3. Delete all unverifiable, inaccurate, and obsolete accounts, 4. Provide a complete Method of Verification ( MOV ) for each account as required.

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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelson Cruz & Associates LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Untimely response