vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My father passed away on memorial day XXXX. Chase Bank was notified of the passing and were supposed to have frozen the account to stop all fraudulent charges. They failed to do this and then told me it was my job to speak with the company about the fraudulent charge and have the money returned. I spoke with the company that fraudulently charged my fathers account and the company provided me with the date and banking confirmation number the money was returned to the checking account. I spoke with XXXX banking staff and they informed me the money is not there and they will not do anything about it. They told me I would have to go to the physical bank yet again to find out the reason why the refunded money is not in my account. I have already spent XXXX hours in their bank trying to close out my fathers accounts as I am listed as the beneficiary on the account. The bank manager gave me a real attitude and then told me I will need to come back as the bank is getting ready to close, once he found out I was a veteran. I suspect this may be the underlying reason as to why I'm having such an issue trying to close out this account. I spoke with a VP at XXXX who basically told me, I would have to file a complaint with the bank manager who just discriminated against me and said that is the Chase policy. All I'm trying to do is close out my fathers estate as he was also a Combat XXXX veteran. Chase Bank clearly is a corrupt organization who is stealing money and hates veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Attached is my Final Evidence Package ( PDF ) supporting my dispute with Capital One regarding a fraudulent charge by Airline FVT. 

The package contains : XXXX. Complaint Summary & Resolution Request overview of facts and my request that Capital One reverse the charge under the Fair Credit Billing Act ( FCBA ). 
XXXX. Booking Confirmation ( PYWZUA ) shows my original flight booked for XX/XX/year> at XXXX XXXX. 
XXXX. XXXX Customer Care Email & Chat Transcript ( XX/XX/year> ) shows Norse had already rescheduled my flight to XX/XX/year> at XXXX XXXX, prior to Airline FVTs involvement. 
XXXX. Annotated Norse Email Evidence highlights proving XXXX XXXX could not have performed the rebooking they charged me for. 

This evidence demonstrates XXXX XXXX committed fraud by charging me {$560.00} for a service already carried out by XXXX, and that Capital One failed to investigate properly before closing my dispute. 

Resolution Requested : Charge reversal and compliance with obligations under the FCBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In early XXXX Bank of America allowed 9 unauthorized transactions totally over {$5000.00} against my business and personal accounts. I immediately filed claims and hear nothing back from them except on one claim they are examining video. Its been weeks. No details about how they lost the money other than it was given to someone who went into a bank branch I have never been in. Supervisors do not return calls. No response to my formal complaint about slow walking this. I have been with this bank for 44 years. They are always texting me requests to authorize withdrawals. I walked in a branch and they texted me to verify the withdrawal. They did not do this on any of these XXXX fraudulent transactions. They are required by law to refund this money, NEVER EVER USE BANK OF AMERICA

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 2025-08-20 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: TX

Complaint narrative:
On XX/XX/year>, I submitted a dispute to Equifax regarding multiple inaccurate accounts and addresses reporting on my credit file. Specifically : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax responded by claiming the accounts were verified, but failed to provide any Method of Verification ( MOV ) as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ). Their responses are vague and generic, stating only that the furnisher verified the information, which is not compliant with federal law. 
Furthermore, XXXX XXXX XXXX XXXX XXXX had previously been deleted from my credit file, yet has now been reinserted without proper notice or certification, in direct violation of FCRA 611 ( a ) ( 5 ).

Equifaxs refusal to provide the business names, addresses, phone numbers, and actual evidence used to verify these accounts constitutes a failure to investigate properly. They are continuing to report unverifiable and inaccurate information that damages my creditworthiness.

This conduct also violates : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate.

GLBA 6802 : My personal information is being shared and reported without authorization.

I have already sent a written Method of Verification demand letter to Equifax, and they remain in non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-20 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/year> ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$180.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
I am writing to file a complaint against CreditFresh for predatory lending practices, unclear fee structures, and unprofessional customer service. 
Below are the details of my experience : Loan Details and Payment History : In XX/XX/year>, I applied for a {$1000.00} line of credit through CreditFresh. 
I was provided with a vague and confusing explanation of the fee schedule, with essential information regarding interest rates, fees, and repayment terms either withheld or inadequately explained. 
The company did provide a breakdown of biweekly payment amounts based on the amount advanced, but this lacked transparency regarding the total cost of the loan over time. 
Since taking out the loan, I have paid {$2200.00} towards the balance, but my outstanding balance still sits at {$1300.00}. 
Unresolved Issues with Customer Service : I contacted customer service and spoke with a supervisor to address my concerns. Both parties were unwilling to negotiate a payoff amount or provide any clarity about how my payments were applied to the balance. 
Despite my repeated requests, both customer service and the supervisor refused to provide anything in writing, including a clear explanation of the loan terms or a breakdown of the payments made and fees charged. 
This lack of transparency has only added to my frustration and concern. 
Instead of engaging in a constructive discussion, I was met with arguments over semantics and a refusal to work out a reasonable resolution. 
Request for Assistance and Resolution : I am seeking assistance in negotiating a payoff amount of XXXX % of the original loan balance. 
This would allow me to resolve the matter fairly, honor the debt, and exit the agreement without continuing to be subjected to predatory practices by CreditFresh. 
Given the lack of transparency and the disproportionate payments relative to the balance, I believe this request is reasonable. 

The lack of transparency regarding the fees and loan terms, coupled with the refusal to provide written documentation, indicates that CreditFresh may be engaging in predatory lending practices.

Their refusal to provide anything in writing is especially concerning, as it suggests an unwillingness to be held accountable for their practices.

I am concerned that their conduct may violate consumer protection laws, particularly those related to disclosure of fees and fair lending practices.

Desired Outcome : I am requesting that the CFPB assist in facilitating a fair payoff agreement and hold CreditFresh accountable for their practices. I seek a reduction of the remaining balance and a resolution that allows me to exit the agreement while protecting my financial interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
I am writing to formally dispute inaccurate payment information that is being reported on my credit report. 

Account Details : Account Name : XXXX XXXX Account Number : XXXX * * * * Date Opened : XX/XX/year> Reported Balance : {$7600.00} The payment reporting for this account is inaccurate and is negatively affecting my credit score. I am not requesting that the account be deleted or closed ; I only request that the inaccurate information be corrected to reflect the true and accurate status of the account.

I have attached supporting documentation, including screenshots of my credit report, to demonstrate the errors. Please conduct a thorough investigation and update my credit report accordingly so that it reflects correct information.

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 2025-08-20 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/2023 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I reviewed my credit file and found multiple inaccuracies XXXX of XXXX. Several accounts are reporting late payments even though I paid on time. These late payment notations are incorrect and are harming my credit. 



I have also noticed that my personal identifying information is not being reported correctly. In addition, there are multiple negative items on my report that are inaccurate or unverifiable. I previously disputed these items, but the bureaus failed to correct them. 



The credit bureaus are required under 15 U.S.C. 1681i to conduct a reasonable reinvestigation of disputed information. Failure to do so, as outlined under 15 U.S.C. 1681o, makes them liable for negligent noncompliance.

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 2025-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
This dispute concerns a fraudulent account reported in my credit file. I have no association with this account, and I never authorized its creation or usage. Its reporting is incorrect and harmful to my record.

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 2025-08-20 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-20 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: DC

Complaint narrative:
I was a victim of identity theft. There is an inquiry on my Transunion credit report that is fraudulent and does not belong to me. I've already filed an FTC report. The inquiry is 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 2025-08-20 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: ID

Complaint narrative:
On XX/XX/year>, I saw on my credit report that a missed payment was being reported by a credit card company. I immediately went online and saw that I had a balance owing for an annual payment I was notified of. I paid it in full that day. 
The next day, I called the credit card company and closed the account. In XXXX I disputed the information on my credit report as being inaccurate because it was still showing that the account was open and had a balance. I was told the information being reported was accurate and no changes were made. This is not true as the account is paid off and closed. Trans Union is reporting information that is not accurate. 
I now wish to file a complaint against Trans Union and request a {$1000.00} payment for the violation of continuing to report inaccurate information. I have bank records showing the payment was paid in full in XXXX and phone records showing a telephone call to the credit card banks customer service number when I closed the account. I was told by that company because this was a secured card that I would receive my XXXX deposit back in full within 30 days. I am providing a screen shot of the payment I made on XX/XX/year>XXXX  to pay that account in full. it has a XXXX balance as it is paid in full and closed.

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 2025-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am contacting you to dispute a fraudulent account reported under my name. I have never applied for, authorized, or engaged with this account. Its presence is inaccurate and causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: LA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: TX

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 2025-08-20 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: TX

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 explanation