vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a Chase XXXX cardholder. On XX/XX/XXXX and XXXX, 2025 I exchanged points for hotel and a rental card for a trip. Several days later someone hacked into my Rewards account and used XXXX points for two XXXX XXXX cards. 
I immediately reported this incident to the XXXX number at Chase. The person I spoke with said my email was compromised and advised me to change my password. I did that immediately but noticed no issues on my email during that time frame. 
Several days later a second tier employee called me as I inquired about getting my points reinstated. He informed me their records show that the cards were sent to me email and cashed. 
I informed him I have no record of the email in my account. I also asked him how could someone log on my Rewards Program when you need a password and could he track to see where the cards were cashed as that would prove I never received them. He could only ask me if I answered a span phone call recently which I did not. He mentioned the cards were " untraceable ''. 
I escalated the issue to Chase Corporate. A spokeperson called me back and when I asked the questions about HOW my Rewards Program was logged on and whether they could track the cards. She replied " We are a bank. We don't not provide those investigative services ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CT

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-11 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: CT

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
We were out of the country when we got Covid. At that time the US was not allowing persons testing positive to re-enter the US. We had added out of pocket expenses that we were not prepared for. Then the fires hit in late XXXX we reached out to our mortgage company ( currently XXXX XXXX previously XXXX XXXX ) for assistance. We went through the process of obtaining the modification 3 times before we were successful. Each failed attempt was either documentation lost in the mail or a deadline missed, however I was assured each time I was still under the Covid protection act with regards to mortgage lates. When I discovered the late I contacted them multiple times and they escalated multiple times. A few supervisors stated they would escalate and get it removed because they did not have the authorization to remove lates. However I could never get those persons on the line again. The last attempt I was told that I was supposed to call them back to renew the Covid protection and I did not. I told them to go back to a phone call I had with one of their reps when he stated the late was reported in error, however they told me they could not go back that far and therefore the late was justified. I stated the late does not make sense when you look at our report because up until XXXX of XXXX I had absolutely no mortgage lates, then XX/XX/XXXX they placed a XXXX late on our report, then in XXXX there are no further lates.

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 2025-06-11 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: TN

Complaint narrative:
XXXX XXXX, and TransUnion are currently reporting late payment notations that I dispute as inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ). These include the following accounts : XXXX XXXXXXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ), a closed account which is still being reported with past due remarks despite showing a {$0.00} balance and no ongoing delinquency. 
XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ), reported as having a late payment on or around XX/XX/year>. 

These entries either reflect outdated, unverifiable information or are being reported in a manner that distorts the true standing of the accounts. In the case of XXXX XXXXXXXX, the account is closed and the balance is listed as {$0.00}, yet it continues to be reported with past due indicators that do not align with the actual financial status. This is both misleading and materially damaging. With the XXXX entry, I have not received any documentation or supporting evidence substantiating the accuracy of the alleged late payment in XX/XX/year>. It is my belief that this may be the result of misapplied data, a broader reporting error, or possibly linked to the data compromise events that have affected consumer reporting in recent years. 

Under the Fair Credit Reporting Act, these credit bureaus are obligated to maintain maximum possible accuracy in the information they report, as per 15 U.S.C. 1681e ( b ). They are also required to conduct a full and reasonable reinvestigation of disputed items under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Furthermore, if any item of information is found to be inaccurate, incomplete, or unverifiable, it must be promptly corrected or deleted under 15 U.S.C. 1681i ( a ) ( 5 ). Failure to meet these obligations constitutes a violation of federal law and significantly undermines the integrity of the consumer reporting system. 

These discrepancies are not minor. They have a direct impact on my creditworthiness, financial stability, and access to fair lending. Moreover, the continued reporting of inaccurate or improperly verified derogatory marks reflects either a failure by the data furnishers to provide accurate updates or a lack of diligence by the credit bureaus in reviewing consumer disputes. 

Recent actions by the CFPB have made it clear that the big three credit reporting agencies are under heightened scrutiny for improper handling of disputes and superficial reinvestigations. This complaint is being submitted with the expectation that these agencies take their legal responsibilities seriously and comply fully with the FCRA.

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 2025-06-11 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: MO

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 unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit .Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report.

Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. Any amount owed, accuracy of the dates, or lack of proper notice.

Demand for Action : I demand that these discrepancies are immediately investigated, and this dispute and any other inaccurate account removed, and the inaccurate and invalid collection account removed from my credit report. Failure to do so within 15 business days will leave me with no choice but to pursue further action, including, but not limited to, filing a formal complaint with the Federal Trade Commission and potentially pursuing legal remedies.

Account Name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: KY

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 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 2025-06-11 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: GA

Complaint narrative:
I am submitting my government-issued ID and a recent utility bill verifying my address as part of this first-time dispute to Experian. This complaint concerns XXXX XXXX XXXX ( XXXX  ), which may attempt to report a tradeline related to the original creditor XXXX XXXXXXXX, Account # XXXX. This XXXX XXXX account was previously deleted from my Experian credit file, as confirmed in my credit report dated XX/XX/year> ( Report Number : XXXX ). No balance is owed on this account, including the alleged amount of {$6100.00} or any balance. XXXX XXXX XXXX has not provided a signed agreement, original application, or a valid chain of assignment proving ownership or legal authority to report this account. As such, any current or future reporting of this account would be unauthorized, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ), including 1681e ( b ), 1681i ( a ) ( 5 ) ( B ), and 1681b ( a ) ( 2 ). I respectfully request the immediate and permanent blocking or deletion of any reporting by XXXX XXXX XXXX or any subsequent furnisher related to XXXX XXXXXXXX Account # XXXX. Please confirm this matter is resolved or provide all results and supporting documentation within the required legal timeframe.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My new apartment complex were able to pull my credit and background from every other credit bureau except Equifax. I reached out to Equifax in regards to the issue but I was told theres no freeze nor any fraud alerts on my credit. Equifax requested that I send in my social security card and copy of my ID, which I did. They then says that there is no lock on my credit still. However, my leasing office is still unable to pull my Equifax report. Ive called Equifax a thousand times to get this issue resolved because Ive moved back home and need a place to stay. This issue has been a big delay for me and my spouse to move. Weve been dragging from hotel to hotel and Equifax doesnt want to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My name is XXXX XXXX, and I called Barclays at XXXX to resolve this issue. Someone in the fraud department stated that they were going to audit my account and have the issue resolved within ten days. That was on XX/XX/XXXX. The person in the fraud department promised to have the issue resolved in ten days. It has not been fixed. I have not used the card in over a year. All these charges are fraudulent. Barclays has neglected to correct this issue. This has negatively impacted my credit. I hope to restore my credit after this is all completed. 



Barclays Bank Delaware Account Number : XXXX Account Balance as of XX/XX/XXXX : {$210.00} Transaction Date Description Category Amount XX/XX/XXXX INTEREST CHARGE-PB PURCHA DEBIT XXXX XX/XX/XXXX INTEREST CHARGE-PURCHASES DEBIT XXXX XX/XX/XXXX LATE PAYMENT FEE DEBIT XXXX XX/XX/XXXX INTEREST CHARGE-PURCHASES DEBIT XXXX XX/XX/XXXX INTEREST CHARGE-PB PURCHA DEBIT XXXX XX/XX/XXXX LATE PAYMENT FEE DEBIT XXXX XX/XX/XXXX INTEREST CHARGE-PB PURCHA DEBIT XXXX XX/XX/XXXX INTEREST CHARGE-PURCHASES DEBIT XXXX XX/XX/XXXX LATE PAYMENT FEE DEBIT XXXX XX/XX/XXXX INTEREST CHARGE-PB PURCHA DEBIT XXXX XX/XX/XXXX INTEREST CHARGE-PURCHASES DEBIT XXXX XX/XX/XXXX LATE PAYMENT FEE DEBIT XXXX XX/XX/XXXX INTEREST CHARGE-PURCHASES DEBIT XXXX XX/XX/XXXX INTEREST CHARGE-PB PURCHA DEBIT XXXX XX/XX/XXXX LATE PAYMENT FEE DEBIT XXXX XX/XX/XXXX MINIMUM CHARGE DEBIT XXXX XX/XX/XXXX LATE PAYMENT FEE DEBIT XXXX XX/XX/XXXX INTEREST CHARGE-PURCHASES DEBIT XXXX XX/XX/XXXX LATE PAYMENT FEE DEBIT XXXX XX/XX/XXXX INTEREST CHARGE-PURCHASES DEBIT XXXX XX/XX/XXXX INTEREST CHARGE ADJUSTME CREDIT XXXX XX/XX/XXXX LATE PAYMENT FEE DEBIT XXXX XX/XX/XXXX LATE PAYMENT ADJUSTMENT CREDIT XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LATE PAYMENT FEE DEBIT XXXX XX/XX/XXXXXXXX XXXX XXXX  DEBIT XXXX XX/XX/XXXX XXXX XXXX CREDIT XXXX XX/XX/XXXX LATE PAYMENT ADJUSTMENT CREDIT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I received a call from someone claiming to be law enforcement, saying I missed jury duty and would be arrested unless I paid a fine. I was scared and followed their instructions, sending {$1500.00} using XXXX XXXX. The funds were pulled from my Wells Fargo account. 

After realizing it was a scam, I contacted both XXXX and Wells Fargo to report it and request help. Both companies told me the transaction was authorized and refused to assist, even though I was clearly coerced and acting under threat.

Ive filed a police report and reported the scam to the FTC. Im asking that the transaction be reconsidered for reimbursement as a case of fraud under coercion.

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 2025-06-11 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: MI

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Summary of the Issue : On XX/XX/year>, I booked a flight through XXXX for {$1100.00} to travel to XXXX for my wifes XXXX XXXX. Minutes after booking, I realized the return date conflicted with her actual birthday. I immediately called XXXX and spoke to a XXXX-speaking agent ( with an XXXX accent ) who told me I could change the return date without a problem and even get a full refund. He put me on hold to speak with a manager. When he returned, he changed his story and said I would have to pay {$600.00} in fees, which was never mentioned initially. I told him I would dispute it because I was misled.

I never used the service, never canceled the booking formally, and only requested to change the return date within the same hour. I booked a cheaper flight elsewhere. I immediately disputed the charge with Apple Card/Goldman Sachs , but they have not resolved it even after more than one year.

Despite my repeated requests for Apple to review the call recordings, they refuse to escalate or properly address my dispute. The last person I spoke with was a manager named XXXX from XXXX XXXX, around XXXX XXXX XXXX. I am a XXXX  XXXX and this charge represents more than two weeks of my work. I should not be forced to pay for a service I never used and was misled about. Apple Card has violated my rights under the Fair Credit Billing Act by failing to resolve my dispute within the 90-day window.

I request that this charge be removed from my account and that the CFPB investigate Apple Cards dispute process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
In XXXX of XXXX I ordered two custom-made doors from Lowe 's for almost {$14000.00}. The doors were misrepresented and I wouldn't have ordered them if they told me the truth. Then after months of dishonest delays they didn't inspect the doors before installing and they were both grossly defective with locking systems that don't work correctly. The installers had no choice but to install after tearing out my old doors but refused to complete the installation saying the doors had to be removed anyway. After months of delays by Lowe 's, Synchrony Bank issued a refund but then demanded it back when Lowe 's bullied them. Then Lowe 's sent two inspectors to my house and they agreed the doors were garbage saying they would never recommend that brand again. Again I filed for a refund but the bank back down when Lowe 's demanded a second inspection. Those inspectors said the doors were garbage and they would have Lowe 's take care of me but Lowe 's refused to do anything reasonable. I tried Synchrony Bank again and they say they can't do anything without permission from Lowe 's. So after replacing broken doors from a lethal break-in my house is now ugly and unsafe since the doors don't lock correctly. I need a refund so I can order appropriate doors from another source since Lowe 's has nothing that is appropriate for my house. I am XXXX XXXX XXXX and tired of being ripped off and having hundreds of my hours wasted while they hold my money.

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 2025-06-11 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: EQUIFAX, 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 response to consumer: Closed with explanation