vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My checking account with JPMorgan Chase Bank was closed on XX/XX/XXXX. During a phone call with Chase on that date, I was explicitly told that the remaining balance in my checking and savings account would be mailed to me via check within 10 business days. I asked for my account balances and statements they said it would be mailed and I never received it. I also received my business account check but never my personal checking and savings. 
That deadline passed, and I did not receive my funds. When I contacted Chase again on XXXX [ XX/XX/XXXX ], I was informed for the first time that there is now an investigation. Chase refused to confirm whether any federal or local law-enforcement agency is involved and stated they could not provide further details. 
I have not received any written notice of a court order, seizure, forfeiture, or legal hold related to my account. I have also received no written explanation for why Chase failed to meet the promised 10-business-day timeframe. 
My funds have now been withheld for over 30 days, causing financial hardship, including the inability to pay bills on time and disruption to planned travel. I am requesting immediate release of my remaining balance or formal written confirmation of the legal authority Chase is relying on to continue withholding my money. 
I believe this delay constitutes an unreasonable withholding of consumer funds and a failure to honor a stated disbursement timeline. 

I have not been provided any statements from my bank that I used to bank with which was Chase, which is unfair because I have no evidence or paperwork to provide just phone calls that were recorded on their behalf that I will be asking for in court if things continue to get worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Alarm company failed to stop billing after contract so I had the final invoice reversed. The alarm company then returned the funds so now I owed them. I sent them a check through bill pay which the bank then rejected sighting the reversal. The alarm company is now claiming I owe them the original amount, plus a {$25.00} fee for the rejected check plus a {$10.00} late fee.

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 2025-12-22 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:
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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX from PayPal was telling me she could not fix my account. They say its a block my account. For adding money on my account. XXXX told me this all!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I recently reviewed my past year statements and noticed that in many cases the amount of interest I paid went up and not down. I contacted customer service and requested an amortization schedule and was advised this can not be provided because I was a " XXXX XXXX XXXX '' where interested is calculated on a daily basis. I was referred to review my statements. 

Problem # 1 : I am not on a XXXX XXXX XXXX. My loan details per my contract are as follows : Loan Originated : XX/XX/XXXX Payments Start : XX/XX/XXXX Amount Financed : {$67000.00} APR : 8.99 % Finance Charge : {$23000.00} Term : 84 Months ( 7 Years ) Monthly Payment : {$1000.00} Problem # 2 : Under a standard amortization using the information above, I should have paid {$5700.00} in Interest for the first year. I actually paid {$6100.00}. 

Problem # XXXX : XX/XX/XXXX statement does not show a payment I made of {$1200.00} XX/XX/XXXX Problem # 4 : Ally App is not reporting the same information as actuals and vise versa with the statements. 

Problem # 5 : Statements do not reflect additional amount paid in excess of standard monthly payment paid and applied to principal only. ( 4 ) payments made in XXXX were paid in excess of the monthly there's no way to tell it was applied properly because the interest goes up, not down. 

Example of current interest charges in XXXX : XXXX : {$620.00} XXXX : {$76.00} XXXX : {$500.00} XXXX : {$310.00} XXXX : {$440.00} XXXX : {$480.00} XXXX : {$400.00} XXXX : {$510.00} XXXX : {$380.00} XXXX : {$400.00} XXXX : {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint to report ongoing violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion related to the continued reporting of a federal bankruptcy filed on XX/XX/year>. 

This bankruptcy is being reported inaccurately, inconsistently, and without lawful verification. Despite my prior disputes, TransUnion continues to report this public record even though it can not be substantiated with certified court documentation and has been deleted or suppressed by other national consumer reporting agencies. This alone demonstrates that the information is not capable of being verified with reasonable accuracy. 

TransUnion has failed to provide any certified court records, failed to identify the custodian of record, and failed to disclose the method of verification used to allegedly confirm this bankruptcy. Verification through automated databases or third-party vendors does not meet the legal standard required under the FCRA for public record reporting. A federal bankruptcy can only be verified through direct confirmation from the court of record, supported by certified docket information, which has never been provided to me. 

Additionally, this bankruptcy was dismissed/closed with no assets, no liabilities, and no payment history. Reporting a dismissed bankruptcy as an active or negative public recordespecially when other bureaus have removed itconstitutes continued publication of unverifiable and misleading information. This violates TransUnions duty to ensure maximum possible accuracy.

As a result of TransUnions continued reporting failures, I have suffered real and ongoing harm, including credit denials, higher interest rates, and reputational damage. TransUnions conduct reflects an unreasonable reinvestigation process and willful noncompliance with federal law.

Specifically, TransUnion is in violation of, but not limited to : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) Failure to disclose the method of verification 15 U.S.C. 1681n and 1681o Willful and 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 non-monetary relief
Consumer complaint received 2025-12-22 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
b'What is your legal name, XXXX email address, and/or phone number linked to your account?XXXX XXXX XXXX2. What is the date and amount of each transaction related to the issue?XXXX XXXX withdrawal $XXXX XXXX withdrawal $XXXX XXXX withdrawal $XXXX XXXX  withdrawal $3XXXX XXXX  withdrawal $XXXX XXXX withdrawal $XXXX XXXX withdrawal $XXXX3. Why do you believe an error occurred with this payment? \nMy XXXX XXXX, wallet, pin information, passwords, and State ID were stolen on XXXX XXXX at XXXX XXXX XXXX and then my XXXX XXXX was stolen again XXXX XXXX at XXXX XXXX XXXX. I tracked the devices on both locations, opened 2 police reports, and also opened multiple claims with the CFPB.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Applied card XX/XX/XXXX got approved. Never received card. Couldn't log in since next day. Tried call, branch, email no one help. Make me past due my other card since not able to log in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I refinanced my vehicle with BECU on XXXX XX/XX/year>. During the call the loan was generated from, the loan XXXX marked down that I declined gap when it was never offered. The car is sitting in my driveway now, most likely getting towed away as a total loss tomorrow, XXXX XX/XX/year>. I believe the correct process is that they leave the XXXX check box on the loan empty, which let 's the loan processor know that it hasn't been offered on the loan yet. So, when you go in to their branch to sign, it is offered. I'm not 100 % sure of this. But, just filling in parts of my loan that was never talked about, doesn't seem right to me. Then, when something happens, have them refuse all responsibility. 

The call was recorded where my silence was used as a declination of add on products to the loan. They have refused to release the recorded call to me, saying they only will with a subpoena or signed warrant from a judge. This tells me everything I need to know. The car is now, according to my friend who is a certified mechanic, completely unsalvagable. I am still waiting to see how big the XXXX is going to be. If my estimates are correct, it very well XXXX be so much I have to file for bankruptcy, and will be well over {$10000.00}. I am a 100 % XXXX veteran on a fixed income. I'll never be able to afford that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint to request the correction and removal of the following inaccurate credit information. The accounts in question have been reported incorrectly, and I am disputing the accuracy of these items. Below are the details of the accounts in dispute for each credit bureau. 

Charged Off : XXXX XXXX I Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Late Payment : XXXX XXXX XXXX XXXX Account Number : XXXX Late Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Late Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Late Payment : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On Friday, XX/XX/2025 I received XXXX pieces of mail from Capital One Bank stating that they had concluded their investigation into the fraud claims I made and settled only XXXX in the amount of {$4.00} in my favor. Today ( XX/XX/2025 ) I received another letter via mail from Capital One stating that they had concluded their investigation and had informed me of the account being switched over to a new routing number but that my checking account number had remained the same. Capital One has yet to address the fact that their were multiple withdrawals from my account that were labeled XXXX followed by an additional XXXX digits. I was told by Capital One that this information means that merchants that I used regularly and made payments to over a XXXX period ( XXXX XXXX and XXXX ) could not identity the routing number of the account. I was never informed as Capital One claims of a change to my routing number. In addition, I was told in person by an individual at the XXXX XXXX and XXXX Capital One branch in XXXX, XXXX that the XXXX accounts ( XXXX with the routing number I used for bill payments ) and another with a different routing number but the same account number had " been merged ''. I had at that point already filed an FTC Identity Theft report ( XX/XX/2025 ) and had tried in vain to correct the situation with Capital One. Capital One allowed cyber criminals to access my bank account and launder money through that account. I am owed back the {$140000.00} that Capital One allowed to be withdrawn from my account without my knowledge, permission or consent and I would like Capital One Bank to cease and desist from sending me via mail or other correspondence fraudulent and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TD RETAIL CARD SERVICES XX/XX/year> XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
TD RETAIL CARD SERVICES XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Summary of Issue When I purchased furniture from XXXX Spaces on XX/XX/XXXX, I was verbally told by the salesperson that the financing term was XXXX years. This was a key factor in my decision. 
I have had XXXX furniture loans with Synchrony ( Rooms To Go and XXXX Spaces ), and both were represented as five-year plans. 
The official billing statements were unclear and misleading. I have never had a furniture loan with such complex terms, and the promotional expiration date was confusing and different from what I was told... 
On XX/XX/XXXX, XXXX assessed {$4600.00} in deferred interest, claiming the promotion expired on XX/XX/XXXX, nearly XXXX years earlier than the date printed on my statement. 
________________________________________ XXXX XXXX XXXX changed its login process during the promotional period, and I was unable to access my account online for an extended time. 
The mobile app access was XXXX, and I did not receive all statements by mail. 
These access restrictions prevented me from monitoring the account and verifying any discrepancies. 
________________________________________ XXXX Practices The combination of verbal misrepresentation by the seller, unclear statements, and restricted access created a misleading situation that resulted in thousands of dollars in interest charges. 
I relied on the information provided by the seller and the printed statement to make timely payments. 
______________________________________ This situation appears to violate Truth in Lending Act ( TILA ) disclosure requirements and CFPB guidance on deferred-interest promotions, which require clear and accurate communication of terms. 
Thank you for your attention to this matter. I can provide copies of statements and details of my communication with XXXX upon request.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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