vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: LA

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 ( XXXX ) 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 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received a social security check as a representative payee for social security XXXX for my minor child. I went to Chase Bank in XXXX Ohio ( XXXX XXXX ) to open the account on XX/XX/XXXX. XXXX XXXX worked with me to set up the account. He took my paperwork and scanned it that day to send to the back office. He said at that time it would be XXXX hours for that account to be opened. The account wasnt opened until XX/XX/XXXX. Then on Monday XX/XX/XXXX I checked my account and to deposit another check. At that time my account showed on hold with a XXXX XXXX, yes XXXX XXXX dollar negative balance. I contacted the bank at that time. The gentleman XXXX ( branch XXXX ) answered the phone and said oh I was getting ready to call you. Told me that XXXX didnt upload the paperwork to set up the account has been placed on hold. I then immediately brought up the paperwork to the branch again. I was then told it would be XXXX hours again until the account was released. On XX/XX/XXXX the hold still wasnt released. So I came back up to the bank. I spoke to XXXX at the branch because XXXX XXXX in the office. He stated that XXXX sent an email on Tuesday and XXXX received a response yet. As I am in the branch I was blown off and basically told I need to allow for the process. At that time told it could take up to a week to resolve. I explained to XXXX that is unacceptable I didnt make this error. This error was made by Chase Bank and not me. I have again provided the documents and waited the time frame I was given. I explained to XXXX I am not leaving the bank until my funds are released. He called the branch XXXX on his cell phone. The branch XXXX said we are close. I said close isnt good enough. I need the funds available today. He then said he sent an email to the back office and copied the head of that department. I said ok thats fine. Ill wait on a response here at the branch. This level of incompetence is unacceptable. They are holding money XXXX due to their error. At no point did anyone contact me and request the paperwork again before placing the account on hold. That would have prevented the whole situation. From a personal standpoint my childrens father passed away unexpectedly on XX/XX/XXXX. So while I am handling funeral arrangements etc. I am having to deal with having no funds. The banks shouldnt be allowed to do this to people and must be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
The company in fact sent me a letter on XX/XX/year> stating that XXXX XXXX was deleted from my report after their investigation, but it wasnt and which is why I contacted the CFPB ( XXXX XXXX ). I havent received any documentation at all of what they got from that company. I did provide TransUnion with an Identity Theft report as well as attached it in my complaint. The credit report pulled on XX/XX/year> still had this company reported on it so TransUnion sent me a letter with false information. I also have those documents, but this complaint was filed before then. This is outrageous. This is not my debt. This is fraudulent and needs to be removed from my credit report. I never signed, applied, or activated anything like this and what TransUnion is doing is very unprofessional. 

This has been an ongoing problem and the companies just keep changing their names. First it was XXXX XXXX and now XXXX XXXX. The first was removed from my credit with my initial identity theft report and XXXX XXXX XXXX, it was back on my TransUnion. 

XXXX  and XXXX  have cooperated and removed it, but I am having this issue with TransUnion as I believe they havent even looked into the issue at all.

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 2025-08-07 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: IL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} INQUIRIES : XXXX Date : XXXX XXXX XXXXXX/XX/XXXX Date : XXXX XX/XX/XXXX Date : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Date : XXXX XX/XX/XXXX Date : XXXX XXXX XX/XX/XXXX Date : XXXX XXXX XX/XX/XXXX Date : XXXX XX/XX/XXXX Date : XXXX XXXX XXXX XX/XX/XXXX Date : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Date : XXXX XX/XX/XXXX Date : XXXX XXXX XXXXXX/XX/XXXX Date : XXXX XX/XX/XXXX Date : XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX Date : XXXX FOR XX/XX/XXXX Date XXXX XXXX XXXX XXXXXX/XX/XXXX Date : XXXX XX/XX/XXXX Date : XXXX XXXX  XX/XX/XXXX Date :

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 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Around XX/XX/XXXX I disputed a charge of {$300.00} on my Huntington Bank account after being scammed by a merchant. The bank initially issued a temporary credit while the chargeback was under review. However, without any warning, documentation, or resolution notice, XXXX removed the {$300.00} credit from my account. 

I have called customer service at least XXXX times asking for clarity and requesting the credit to be reinstated. Each time, I was either dismissed or told there was nothing they could do, without a proper explanation. I was never informed of any investigation outcome or given a chance to respond or provide more information before the reversal. 

Ive handled similar chargebacks in the past and had them resolved quickly with other banks, but XXXX has failed to provide transparency, customer support, or fair dispute handling in this case. 

XXXX requesting that this complaint be forwarded to Huntington Bank and that the dispute be reopened or properly reviewed by a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I submitted a lawful dispute under the FCRA regarding an inaccurate tradeline associated with capital one ( account # XXXX XXXX XXXX XXXX XXXX ) reported by XXXX. 

XXXX  failed to provide documentary evidence, including : no contact BEARING MY SIGNATURE, no signed affidavit or verification from the furnisher despite this, the account was marked " verified '' and continues to appear on my report. this violates XXXX XXXX XXXX and XXXX ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX  FI - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX CO - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX BANK - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2100.00} INQUIRIES : XXXX XXXX Date : XXXX XXXX XXXX FD Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX CARD Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian XXXX XXXX, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX CARD - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX - Account Number : XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX CRED XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX  FINCL - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00}

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 2025-08-07 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: SC

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
Experian, Transunion and Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, Transunion and Experian, 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, Transunion and Experian 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 's inaction violates federal law and my rights as a consumer.

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 2025-08-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( XXXX  ), specifically XXXX XXXX.S.C. XXXX ( c ) ( XXXX ) ( A ) and ( B ) ( i ) and XXXX U.S.C. XXXX ( a ) ( XXXX ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Blackhawk Network Holdings Inc.
State: KY

Complaint narrative:
See my previous XXXX complaints. This company has provided the same response in both complaints providing a number that is fully automated, and has no way to speak to a rep. I even tried using the path to dispute a charge on the card, in hopes of speaking to someone and that route always ends up in a disconnected call. There is something nefarious going on. I want this account closed, or legal action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} INQUIRIES : XXXX XXXX BANK Date : XX/XX/XXXX XXXX XXXX SVC Date : XX/XX/XXXX XXXX XXXX SERVICE Date : XX/XX/XXXX XXXX  STATE BANK Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am missing {$10000.00} from my account and Bank of America says I am not and can not account for this to my satisfaction. Please see the arithmetic of the following transactions. 

XX/XX/year> : {$10000.00} Wire Out at XXXX ET Balance becomes {$24000.00} Then : {$9900.00} Wire In at XXXX ET Balance becomes {$34000.00} Now heres the issue : If the balance was {$24000.00}, and you added {$9900.00}, the new balance should be : XXXX + XXXX = XXXX But instead, it jumps to : {$34000.00} Thats a {$50.00} overage we already flagged before. 

But now : From XX/XX/XXXX to XX/XX/XXXX, the following wire transfers occurred : XX/XX/XXXX : Wire In : XXXX Balance becomes {$34000.00} Wire Out : XXXX Balance becomes {$24000.00} Plus fees reduce it to : {$24000.00} Then on XX/XX/XXXX, the day starts at {$24000.00} But, A wire out of {$10000.00} is executed at XXXX New balance becomes {$24000.00} This only makes sense IF the account had {$34000.00} before this wire out. 
But that balance was never shown or justified in the history. 
Final Conclusion : There is no record of a {$10000.00} deposit ( or wire in ) that wouldve brought the account from {$24000.00} to {$34000.00}, allowing the - {$10000.00} wire out at XXXX. 
So {$10000.00} is missing from the visible history. 
There was likely a deposit or wire in of {$10000.00} that was not shown in this statement.

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