vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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:
On XX/XX/XXXX I received a fraud message from Bank of America for {$110.00} in XXXX. I was at home and knew it was fraud. I denied the transaction by text. 
I then logged on to my account and found on the same day there had been a {$1100.00} charge made at an XXXX restaurant called XXXX XXXX XXXX XXXX. I have never been to that restaurant and have never spent such an exorbitant amount on a meal in my entire card history ( since XXXX ). 
I immediately reported the fraud activity to BoA. They let me know the person had my card, I let them know that couldnt possibly be since I had my card at home. They let me know they had reissued my card- I had never received that reissued card in the mail and that was the card being used at the restaurant. 
Boa opened the claim and canceled my card, sent a new one, which I now have. 
However, a month later on XX/XX/XXXX, they denied the claim. No one followed up and there were no notes as to why. When I called to ask, the representative told me that the restaurant said the card was present. However, when I asked if they had obtained any receipt, signature, proof, BoA said no. 

There is XXXX proof that I made that purchase. Furthermore, its completely misaligned from my purchase history- I do not take this card out of the house so there are no in person transactions, and in the last six months Ive only used it sparingly. It makes no sense that I wouldve suddenly spent over a XXXX dollars on dinner and its unbelievable that BoA didnt flag this transaction immediately as it happened. 

BoA reopened the claim but said it may take 45 days to resolve and in the meantime that charge is on my account impacting my credit as well as accruing interest. There is XXXX urgency in the resolution of this claim and there was no investigation which seems really negligent on a charge of this size. 
Now, I am just waiting for them to complete the investigation they should have done this past month.

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 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RESOURCE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE XXXX XXXXis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: PA

Complaint narrative:
Let me be clear that this complaint is legitimate and demands immediate attention. 
My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy.

These errors are having a serious and ongoing negative impact on my life.

I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay.

Resolving this issue is not only necessary, it is critical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: IN

Complaint narrative:
Chase Bank 's Unfair Chargeback Process Merchant Not Notified, Evidence Ignored I am the owner of XXXX XXXX XXXX XXXX XXXX. On XX/XX/year>, we sold an outdoor menu board to XXXX XXXX ( customer ) via XXXX, paid with his Chase credit card ( Invoice # XXXX, Transaction ID : XXXX ). 

Key Facts : The product was delivered and signed for on XX/XX/year> ( signed delivery receipt available ). 

The customer admits the product is installed and in use at his business ( photos posted on his XXXX page ). 

The customer reported two missing parts after delivery. We immediately contacted the carrier ( XXXX XXXX ), who acknowledged the issue and initiated a dock check. 

We offered solutions : send the missing parts at a discount or assist with a carrier claim. The customer refused and demanded a full refund. 

The customer opened a XXXX dispute ( which we are contesting with evidence ) and later a credit card chargeback with Chase Bank. 

Chase Bank issued a full refund to the customer without notifying us, the merchant. We received no chargeback notification, no request for evidence, and no opportunity to respond. 

The chargeback reason appears to be " item not received '' or " not as described, '' which is factually incorrect because the item was delivered, signed for, and is being used. 

Why This Is Unfair : Chase Bank violated fair dispute resolution procedures by not informing us, the XXXX. 

The customer is seeking a refund while retaining and using the product. 

We have provided all evidence ( delivery proof, installation photos, carrier correspondence ) to XXXX and are willing to provide it to Chase, but we were never asked. 

What We Want : Chase Bank to reverse the chargeback and withdraw the provisional credit to the customer. 

Chase Bank to give us a fair chance to submit our evidence. 

An explanation of why no notification was sent to us and assurance that future disputes will follow proper protocol. 

Supporting Documents Provided : ( You can list them briefly here, but you will also upload files separately later. ) Signed delivery receipt Photos of installed product at customers business Email chain with carrier about missing parts Customers email admitting he no longer has the original pallet for return XXXX dispute case reference

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I am a XXXX of XXXX employee. I continue to get emails from a company called TrueAccord for a collection debt of XXXX original debt owed to XXXX. I never have had this debt with this company. I continue to get emails to my work email at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawfu

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 2025-12-23 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: NY

Complaint narrative:
I made a purchase through XXXX on XX/XX/year> with a company they have on their site XXXX. I had purchased plan tickets. I never received an email with a confirmation from them. XXXX took my money and when I called XXXX they stated that they found no order from me. I reached out to XXXX and two months fighting with them regarding gtting my money. Finally they agreed to they would refund me. its been more than 14 business days that I am waiting for my refund since they agreed to do so. Almost 3 months that I made the purchase. All I want is my money back. Money is tight and its not fair that I have to wait this long,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
I am disputing the accuracy of the following charged-off accounts. The account information and balances do not seem to match the actual account details. I request a review and correction of these entries. 

Charged Off Accounts : XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, Balance : {$1500.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$560.00} XXXX XXXX XXXX XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$610.00XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$2100.00} Inquiries : XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/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 non-monetary relief
Consumer complaint received 2025-12-23 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: SC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-12-23 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: AR

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Ref : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX florida XXXX XXXX Chase see bank is making it very difficult to get access to anything on my account. Last month I had freud reported on my chase account. So chase closed down my account.I did not have access to it. Yet they told me I had to wait.So many weeks before I could open up a new account which I couldn't understand why. Why can I open up an account right away. They shut down my online banking where I can't see my statements.Get any of my transactions anything? I don't have access to that. They won't give me access to it. Then, i've been calling them for a number of days because I need copies of my statements for this past year and they won't give me access to the online banking to get my statements.They won't allow me to get like a secure email to get my statements.They won't allow me in any way to get my statements.They 've just given me a hard time. Which is something I needed immediately. So they told me, I have to go to the bank to get a copy of my statement.That 's not how it's supposed to be. They could have sent me a secure email. They could open up access to my online banking.I don't even know why they shut down my online access to banking. My checking account was the one that was compromised.Not my online banking. Chase has made it nearly impossible to do anything. 


Chase would not allow me to review any of my transactions.Get copies of my statements or anything else in the matter. 

What I want from chase bank is to give me access to my online banking again. So I can review transactions and get copies of my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
Dear Sir/Madam, I am writing to dispute the following items listed on my credit reports from the three major credit bureaus. These items are inaccurate, incomplete, or not properly reported according to the Fair Credit Reporting Act ( FCRA ). I respectfully request that these items be investigated and corrected. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: AR

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-12-23 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: AR

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
This is a follow-up complaint regarding XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : === CHARGE OFF === TU : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal pulled my credit report and approved my for a home loan. I was at the purchasing of my home when Navy Federal deleted my recorded leaving only the credit pull on my account. I even toured properties around the XXXX area and had an appraiser from their program assess the property. This event cause me to become homeless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MD

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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