vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The CareCredit card we have paid off as best we can for our daughters XXXX XXXX, we were charged {$1700.00} for all the interest from the beginning because we could not pay it all.off. We did not know that this card worked this way or we would have not applied or used this card in the first place. Now we owe more than the original cost after paying what we could monthly for a 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 monetary relief
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
I did not authorize these inquiries. Ive contacted the bureau and the companies listed with no proof of consent provided. I am requesting an investigation and removal of these inquiries.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize these inquiries. Ive contacted the bureau and the companies listed with no proof of consent provided. I am requesting an investigation and removal of these inquiries.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not authorize these inquiries. Ive contacted the bureau and the companies listed with no proof of consent provided. I am requesting an investigation and removal of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: DC

Complaint narrative:
{ EQUIFAX }. I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have been reviewing my credit report and noticed that there are several names linked to my credit report as having the same name as mine. The spellings of these names are not mine nor are they accurate and I want them removed. Thank you for your understanding and prompt responses.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have been reviewing my credit report and noticed that there are several names linked to my credit report as having the same name as mine. The spellings of these names are not mine nor are they accurate and I want them removed. Thank you for your understanding and prompt responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: MA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-06-01 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: NY

Complaint narrative:
I am a good customer of the bank and took the words of my opponent who lied in all the justifications he presented and did not take into account any of the reasons for my injustice, I consider my opponent to be honest even though he is a taxi driver and took {$100.00} from me twice, once he took it from the card and did not cancel the charges and another time my cash in addition to that he stole my bag with the personal belongings inside it. 
and paid {$100.00} and a few cents. They didn't listen to what I said and listened to the taxi driver who charged me twice, stole my bag, and gave me a bill with all his information missing. I couldn't report him to the authorities. Therefore, the bank has lost all my rights, which will make me regret filing a lawsuit against the bank. 
Here 's all the information : XXXX XXXX XXXX XXXX Amount : {$100.00} Posted Date : XX/XX/year> Transaction Date : XX/XX/year> Transaction Type : Fee Merchant Description : XXXX XXXX XXXX  Online Purchase : Yes Reference Number : XXXX Merchant name : XXXX XXXX XXXX Otherwise, you can deduct this amount you will be responsible for the value of what the driver stole from me which is my bag that contains my laptop and the rest of my electronic devices which is estimated at {$7900.00} in addition to the compensation that I suffered as a result of the disruption of my work because the driver gave me a bill from which all his information was deducted and the bank had volunteered to inform me of all his information which it is easy for the bank to inform me immediately based on my credit but he was negligent and sent it to me after a long period which made me unable to report him to the competent authorities in the state of XXXX XXXX  Otherwise, I will go to court and demand {$7900.00} in addition to the damages I have suffered.

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 2025-06-01 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: CA

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my dispute regarding a late payment that appears on my credit report. Despite my attempts to initiate a legitimate dispute, TransUnion responded with a generic response within 24 hours, claiming the account is accuratewithout providing any evidence of a reasonable or thorough investigation.

This conduct directly violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information and remove any unverifiable or inaccurate
data. TransUnions rapid dismissal of my dispute, without any explanation or documentation, raises concerns about whether my dispute was reviewed at all. 

Although I do not have physical documentation to attach at this time, I am exercising my right under federal law to challenge the validity of the late payment. I also believe TransUnions behavior may violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), due to their failure to fulfill their legal obligations in good faith.

I request that the CFPB require TransUnion to reinvestigate the disputed information, provide evidence of their findings, and remove the late payment if it can not be verified in full compliance with the FCRA. Furthermore, I ask that appropriate oversight measures be taken to ensure TransUnion is held accountable for any failure to uphold consumer rights

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 2025-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I am filing a formal complaint against Navy Federal Credit Union regarding an auto loan being reported as charged off and past due on my XXXX credit report. 
Creditor Name : Navy Federal Credit Union Account Number : XXXX Balance : {$17000.00} Date Opened : XX/XX/year> Status : Charged off, past due, repossession This account is blocking me from getting a vehicle and severely harming my financial stability. I am requesting immediate deletion or full, documented validation. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Navy Federal and Experian are legally obligated to comply with the following : 1. FCRA 609 ( a ) ( 1 ) ( A ) : I have the right to see the original contract bearing my signature and any documentation used to report this tradeline.

2. FCRA 611 ( a ) : Credit bureaus must conduct a reasonable reinvestigation and remove any information that can not be verified within 30 days.

3. FCRA 623 ( b ) : Navy Federal must correct or delete any disputed account that is inaccurate, incomplete, or can not be verified.

4. FCRA 607 ( b ) : Experian must ensure all information they report is complete and accurate.

5. FDCPA 807 ( 8 ) : It is a violation to report inaccurate or misleading information.

6. FCRA 602 ( a ) : Congress intended credit reporting to be fair and accurate and to protect consumers privacy and reputation.

7. 15 U.S.C. 1681n & 1681o : I reserve the right to pursue legal action for any willful or negligent failure to comply with federal credit laws.

Unless Navy Federal can produce : A signed original loan agreement Repossession and payoff records Proof they have the legal authority to report this debt I request this account be immediately removed from all credit bureaus as it is unverified and damaging. Continued reporting without full documentation is a clear violation of federal law, and I am prepared to escalate further if this matter is not resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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:
Hey I would like to dispute XXXX XXXX XXXX XXXX XXXX The XXXX Card shows a late payment for XX/XX/XXXX & XX/XX/XXXX But when checking Consumer Reports it is completely Inaccurate The XXXX XXXX shows a late payment for XX/XX/XXXX First I have made sure to pay each of these cards each month and I was not notified at all about any due or missing payments Second Upon reviewing my Consumer Reports, I discovered some instances of late payments on these two accounts listed above ( XXXX XXXX XXXX XXXX XXXX ) for which I have always maintained timely payments. XXXX XXXX XXXX play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX Card ( XXXXXXXX XXXX XXXX XXXX XXXX ) & XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ),. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because the nationwide credit reporting agencies ( CRAs ) Equifax, Experian, TransUnion are reporting inaccurate, outdated, and unverifiable personal information on my credit profile. I have previously disputed these inaccuracies directly with the CRAs, but they have failed to properly investigate and correct them as required by law. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) and 1681e ( b ), CRAs are obligated to maintain complete and accurate consumer information and promptly correct or delete any inaccuracies. Additionally, CRAs must process disputes in accordance with OCR ( Online Consumer Reporting ) standards and e-OSCAR dispute handling protocols, which require thorough verification of all personal identifying information.

Disputed Items : Incorrect or outdated names, addresses, phone numbers, and employer information currently appearing on my credit report. 

Correct Information : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX Date of Birth : XX/XX/year> SSN Last XXXX Employer ( if applicable ) XXXX XXXX XXXX XXXX I am demanding that all inaccurate and outdated personal identifying information be immediately corrected or permanently deleted from my credit file. The failure to address this issue is causing me financial harm and is a direct violation of my rights under federal law. 

I request that the CFPB compel the CRAs to investigate and correct this matter immediately and ensure full compliance with FCRA, OCR standards, and e-OSCAR processing requirements.

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 2025-06-01 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
What Happened : I am reporting multiple fraudulent accounts that were opened under my identity without my knowledge or authorization. I did not apply for, open, or use these accounts. I discovered them while reviewing my credit report. 

The fraudulent accounts include : XXXX XXXX XXXX XXXX DATE XX/XX/scrub> XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because the nationwide credit reporting agencies ( CRAs ) [ list them : EquifaxXXXX XXXX XXXX  etc. ] are reporting inaccurate, outdated, and unverifiable personal information on my credit profile. I have previously disputed these inaccuracies directly with the CRAs, but they have failed to properly investigate and correct them as required by law. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) and 1681e ( b ), CRAs are obligated to maintain complete and accurate consumer information and promptly correct or delete any inaccuracies. Additionally, CRAs must process disputes in accordance with OCR ( Online Consumer Reporting ) standards and e-OSCAR dispute handling protocols, which require thorough verification of all personal identifying information. 

Disputed Items : Incorrect or outdated names, addresses, phone numbers, and employer information currently appearing on my credit report. 

Correct Information : Full Name : XXXX XXXX Current Address : XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Date of Birth : XX/XX/year> SSN Last XXXX Employer ( if applicable ) : XXXX XXXX XXXX  I am demanding that all inaccurate and outdated personal identifying information be immediately corrected or permanently deleted from my credit file. The failure to address this issue is causing me financial harm and is a direct violation of my rights under federal law. 

I request that the CFPB compel the CRAs to investigate and correct this matter immediately and ensure full compliance with FCRA, OCR standards, and e-OSCAR processing requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX XXXXnd Transunion data breach.

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 2025-06-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: United Shore Financial Services, LLC
State: OR

Complaint narrative:
I've been experiencing financial hardship. A couple of my mortgage payments were said to be received by my lender but didn't process through my account until days after which caused the payments to not get accepted due to insufficient funds. I did a XXXX and my payment is a little bit high compared to my income. I'm in a trial run with the VA to make XXXX consecutive payments. The way it was explained to me at first was I had to make the payment the day it was due for the exact amount for XXXX months straight. I wasn't able to make the first payment so I called the company and they tell me as long as it's paid within the month that it's due. So I'm concerned about misinformation. I'm also experiencing some identity theft issues and quite frankly I feel suffocated by it. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/year>, someone used my debit card information to make several unauthorized purchases at different online stores and restaurants. I did not receive any fraud alert from Chase until they attempted a purchase at XXXX XXXX by that time, my account had already been drained. The XXXX XXXX transaction was declined because there were no funds left in my account, and only then did Chase send me a fraud alert email. 

The moment I received that alert, I immediately contacted Chase and opened a fraud claim. The unauthorized charges included transactions of {$6.00}, {$48.00}, {$86.00}, and {$240.00}. Chase initially issued provisional credits for all four amounts. 

Later, XXXX refunded two of the transactions ( {$48.00} and {$86.00} ), and Chase reversed those provisional credits which I understand. However, for the {$240.00} transaction, Chase denied my claim, stating that XXXX had evidence I authorized the purchase. This is not true. I did not make, authorize, or benefit from that purchase. 

If Chase determined that the other transactions were fraudulent even sending me a fraud alert why would this one transaction be treated differently? There is a clear inconsistency.

I was also treated with disrespect and given misleading information when I called Chase to resolve the issue. The representatives were rude, dismissive, and unhelpful. I contacted the Executive Office via email and received no response. 

This has been very stressful, and I have suffered financial loss and emotional distress. For a customer, {$240.00} is a significant amount. I expected more from a bank like Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: LA

Complaint narrative:
I am writing to file a formal complaint and request an investigation into the reporting of late payments a closed account currently appearing on my credit reports. I believe these late payments are being reported inaccurately, unfairly, or without proper documentation, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Accounts in Question : Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Type : Closed Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Dispute Basis : 1. Lack of Proper Verification and Documentation : Under FCRA 1681i, I have the right to dispute any information that can not be verified. I have not received any proof from the furnishers or credit bureaus showing signed records or internal account logs validating these late payments.

2. Inaccurate Reporting or Data Entry Errors : In some cases, I made timely payments or made arrangements with the creditors, yet the accounts were still reported as late. This indicates possible clerical or system errors.

3. Violation of Fair Credit Reporting Standards : Continuing to report negative payment history without verifying the accuracy or considering payment arrangements made with the creditor is a violation of FCRA 1681s-2 ( b ), which obligates furnishers to report accurate and complete information.

4. Closed Accounts Still Reporting New Late Payments : Some of the listed accounts are closed, yet continue to reflect new derogatory marks, which is misleading and may constitute re-aging or improper negative reporting.

Company response to consumer: Closed with non-monetary relief