vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-10-31 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:
Good day, Greetings, trust you are in good health. This letter pertains to the accounts listed below. This is a component of my credit report that is having a significant impact on me. This is the reason why these accounts are appearing on my credit report ; I am a victim of identity theft and my information was compromised. These accounts are greatly impacting me, as they are not mine and I should not be held accountable or liable for something that was opened without my knowledge. I'm confident that you would not wish to pay for a product or service about which you are unaware, have not conducted business with, or have received any service.

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 2025-10-31 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: MI

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Payward Ventures Inc. dba Kraken
State: PA

Complaint narrative:
What happened : My Kraken  account was suddenly locked and later marked as closed without any prior notice or communication. I had funds remaining in my account, but I was not given any opportunity to withdraw them before the closure, which violates XXXX own customer policy. 

Here is what happened in detail : Around XX/XX/year>, I attempted to transfer funds from my XXXX XXXX  account to my Kraken  account. The transaction did not go through, but at that time, I did not receive any notice or alert from either XXXX XXXX  or Kraken. Later, I learned that my XXXX XXXX  account had been frozen ( under review ) without any prior notification to me. Because of that, the transfer was returned ( return payment ), which appears to have triggered a risk review or fraud flag on my Kraken  account. 

By the time I found out what had happened, Kraken  had already locked my account, and I could no longer log in. I tried to contact Kraken  support immediately to explain the situation that my funds are fully legitimate, transparent, and verifiable but XXXX customer support has been extremely difficult to reach. I have sent multiple emails and support requests, yet I have not received any response or assistance for many days. 

I strongly believe that XXXX actions freezing my account without notice, refusing to communicate, and preventing me from accessing my legitimate funds are unfair and potentially unlawful. I fear that Kraken may be intentionally withholding or attempting to take my money. I can provide detailed proof of where my funds came from ( bank statements, transfer records, screenshots ) if needed. 

I am filing this complaint to request CFPBs assistance to : Compel Kraken to release my remaining balance and provide a withdrawal method. 

Require Kraken to explain in writing why my account was locked and closed without notice. 

Ensure Kraken improves its communication and compliance practices to protect customer funds.

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 2025-10-31 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: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My Capital One credit card was closed without prior written or electronic notice. I was not notified at least XXXX  days before the closure, as required. I have always made timely payments, including a recent {$150.00} payment, and manage my balance responsibly. In XXXX, repeated auto insurance charges temporarily increased my balance, even though I only authorized a one-time payment. I did not request or approve multiple charges, but I continued to make payments before the closing date. 

I contacted Capital One multiple times to request documentation and reopening, but they refused. This closure has negatively affected my credit. I am requesting documentation of the closure notice, review of my account for reopening, and that my credit report is not unfairly harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

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 2025-10-31 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: NY

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion immediately block and permanently remove the following fraudulent accounts, including any related collections, charge-offs, late payments, and hard inquiries, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity and not any legitimate consumer transactions.

This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX ( XXXX ) on XXXX, an account opened at XXXX XXXX XXXX XXXX XXXX ) on XXXX, an account opened at XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) on XXXX, an account opened at XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX an account opened at XXXX XXXX XXXX  ( XXXX ) on XXXX XXXX an account opened at XXXX XXXX ( XXXX ) on XXXX, and an account opened at XXXX XXXX ( XXXX ) on XXXX. 

These accounts were added without my knowledge or authorization and are the direct result of fraudulent activity, not any legitimate consumer transaction. In support of this request, I have provided valid FTC Fraud Reports ( Incident # XXXX and Incident # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the 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 non-monetary relief
Consumer complaint received 2025-10-31 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: MoneyLion Inc.
State: SD

Complaint narrative:
Moneylion has taken out a total of XXXX out of my checking account. 
That money was meant for my food and other expenses and now I'll have to find other means to survive till payday. 
It was a XXXX  loan and I was asking for small payments to back the XXXX but they took it out the whole amount anyway, plain greed. 
I signed up for a loan and it was for a XXXX, but I only got a XXXX of it to spend. Moneylion takes out XXXX plus XXXX every payday till the XXXX is paid up. I believe I paid the initial XXXX and wish not to participate in this program.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: IN

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-10-31 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:
These accounts do not belong to me and should be removed within XXXX  days under USC 1681g.

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 2025-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Williams & Fudge, Inc
State: NM

Complaint narrative:
I ran my credit to attempt to purchase a home through XXXX Bank XXXX XXXX and the screenshot of collections from the report that came back reflects {$1200.00} is due to XXXX. I cross-referenced that with what Williams & Fudge is saying I owe and the amount they provided me with is {$3000.00}. I asked for an itemized breakdown and validation of debt and I was provided with the same about and no itemization. I then reached out to XXXX  XXXX  and asked for the itemized breakdown and they told me that because it was referred to Williams & Fudge I have to go through them for that request. When I replied to XXXX & XXXX with a second request letting them know they did not provide me with the information I requested I was told that they don't have that information and they would have to request it from New Mexico XXXX University. They should have this information in my file to be able to come after me for collections but based on their email they do not have and it the communications from both entities indicate that neither of them is willing to provide me with the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
Complaint Against Bank of America dated XX/XX/year> Reference : Fraud Claim for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Replaced by XXXX Claim ID XXXX, Claim amount {$5800.00} Claim opened on XX/XX/year> After filing Claim ID XXXX received a letter from Bank of America Claims Resolution Department indicating that they could not approve my recent claim.

I have contacted Bank of America and assured them that I didnt make these charges and even pointed out that I was at home at the time the charges were being made.

I called again today and spoke to XXXX  from Tennessee Fraud Customer Service requested to speak to a manager after being advised that these charges will remain as part of a financial responsibility/burden imposed on my account by Bank of America for trying to request a second reconsideration for my claim. 
Also spoke to XXXX Supervisor from Tennessee Fraud Customer Service who reaffirmed me again that the charges are still being imposed on my account by Bank of America for trying to request a second reconsideration of my claim.

Having these fraudulent charges permanently affect my account balance while they still impose penalties on my account unjustifiably and unacceptably for fraudulent charges that I am not responsible for.

Please, I need assistance with having all these fraudulent charges removed by Bank of America from my account XXXX. Please, see Account Summary included. Only the XXXX XXXX XXXX charges are valid, the other XXXX XXXX XXXX charges are fraudulent. 

Sincerely, XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX FL XXXX Cell : XXXX Email : 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 monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I closed my checking account in XXXX. I still have not received the money that was in the account in spite of having wasted over XXXX hours on the phone with Wells Fargo. They have said that they sent an " affidavit '' to verify that I never received the money and I never received this form. They don't propose any reasonable solutions. It appears that they have stolen the money in my account.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NJ

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 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 2025-10-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
This is the definition of Bait and Switch, shame on this company. 

Tried opening account via Amex Website on XX/XX/year>, site said, " more information required '' follow up will be made. 
XX/XX/year>, received a letter stating I needed to call to verify info before they could open my account. Account was NOT Yet opened. 
XX/XX/year>, received a promotional email. Earn {$400.00} cash bonus when you open an account and fund it with a minimum of {$25000.00}. The second qualifier was " not have an existing savings account with Amex '', which I did not have at that time. Since I had not called to verify my information, this was their way to incentivize me to call them and finish the account opening process. 
XX/XX/year>, I called them. Led the conversation with calling for two reasons. 1. confirm information required. 2. I want to discuss my cash bonus promotion received via email. 
The customer service rep who helped me. Proceeded to confirm the information requested, opened the account. I asked, what about my {$400.00} cash bonus. She said, " let me look into it ''. Proceeded to tell me I was not eligible because I did not " click '' on the email offer to open the account. I told her, this is exactly why I led with the information I led with. I wanted to ensure that I met the requirements to earn the bonus. I have already moved more than the {$25000.00} required. 
XX/XX/year>, I escalated two levels to discuss the issue, the last supervisor told me she would call me with a resolution or an update on Friday XX/XX/year>. 
XX/XX/year>, today, I have not heard from anyone. I called to get an update, apparently they are still working on this. This is unacceptable and the true definition of misleading clients to Bank with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> approximately around XXXX XXXX and XXXX XXXX. I went to the chase branch located at XXXX XXXX to find out about my XXXX account. When I arrived I was not greeted in the professional manner because I have made numerous complaints about this branch and the handling of its customers. The staff definitely did not want toe serve me and the security guard has the nerve to tell a customer that he gets off a XXXX o clock as if he is going to do a customer bodily harm? Regardless of being treated in this manner I still was polite and held my composer asking for assistance. After a while I started to get frustrated and went to the back to see if I could set up a date to come in if no one was going to assist me. When XXXX XXXX XXXX stated that she would assist me but her time was limited. So, started to ask her for assistance with my XXXX  account and the staff did not like this? So, I had to have another staff member sit in on the transaction to get assistance with my account. Which concerned me because all of a sudden. I'm asking about my XXXX  account which was spinned off and all of a sudden. I'm being interrogated about my Freedom account? I specifically stated that I only wanted to check my XXXX  account. When I was then informed if I did not take on a new account then my card will be charged a bank fee? Which annoyed me. So, I payed it off and shut it down. However, when I check my statements. I do not see anything indicating these new charges? The treatment I have received at this branch is completely and internal issue because someone identified me as the complainer or the person who made a complaint against this branch in the past for not identifying themselves. They never wear name tags? Unfortunately, I did not know this was how chase handles complaints but I stand behind my statements because the service in this branch is highly toxic if you are not Spanish. Please take a look into my complaint. I have provided the time and date of the transaction and the time frame of being threatened to be bodily injured by the security guard and the branch.

Company response to consumer: Closed with explanation