vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Fraudulent charges were being made on the credit card at a specific XXXX in XXXX Texas, and we called and reported it in real time as we saw it happening. Multiple fraudulent charges like 5 charges at this specific XXXX all in one day in some instances to which we reported it happening. Filed multiple disputes with Bank of America regarding the fraudulent charges. Ask for investigations to find out who made the unauthorized charges. They kept saying that " XXXX said you made the charges ''. Asked for proof and all they would say was the " XXXX said you made the charges ''. We asked for video taken at the register as XXXX has cameras everywhere. No video and no proof was offered, only " just take their word for it '' was offered. We continue to dispute the charges and they continue to say the same thing with no resolution. They failed to protect us from fraudulent charges and failed to use purchase pattern recognition effectively even after being notified multiple times of this issue and continued to allow fraudulent charges to happen knowing that there were fraudulent charges being made at this specific store. We ask Bank of America to ban that specific XXXX from making transactions as we know this can be done because we've seen credit card companies do this and they refused. They have seen that this specific XXXX in XXXX Texas has had a history of fraudulent charges and it has been reported to them several times. We want this specific store banned from making further transactions. 
This XXXX has admitted to fraudulent charges on our account before and the fraudulent charges were removed and now that more fraudulent charges were made they want to act like they aren't fraudulent charges on additional ones that happened. We want the fraudulent charges and the interest on the fraudulent charges removed from Bank of America removed. 
We want the XXXX Texas XXXX to admit that they have an identity theft problem and fix it. We want the XXXX in XXXX Texas to admit to Bank of America that there are fraudulent charges and provide video of the transaction terminal that these fraudulent purchases were made. Taking their word for it isn't acceptable. We want actual proof and not them saying that a card was present because it wasn't and any criminal can fake a card being present. We want video.

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 2025-08-31 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
No Surprise Act. I never received bills for these " alleged '' debts I owe. I've never seen a bill or itemized list of services rendered. This needs to be removed off my credit report from Transworld SysXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX inaccurately reported since XX/XX/year>. 

XXXX XXXX XXXX XXXX XXXX and fraud for XXXX of the same accounts, legal representation to removal and dispute linked to XXXX XXXX XXXX XXXX inaccurate. 

Inaccurate reporting XXXX XXXX XXXX reported twice for the same account. 

Inaccurate reporting account XXXX paid in full.

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
This finance company financed my car loan. The car was totaled out in XXXX. My insurance and XXXX XXXX paid the car off. The finance company doesnt reflect the insurance payments when I call the hotline. But, I have the payment sheet. And it reflects one of the insurance payments. However I also have the paperwork from both Gap and my auto insurance company. They clearly state that the balance has been paid and that o no longer owe Regional Finance anything at all. Ive tried to contact the company and have been unsuccessful with being able to reach anyone that will listen to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: MI

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-31 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I do not have a business relationship with this company. My complaint was addressing the fact that this account was investigated and removed from my credit reports. This agency illegally reinserted this account on my credit report.

Reporting Under Multiple Names ( FCRA 1681s-2 & FDCPA 807 ( 1 ) ) LVNV Funding/Resurgent is reporting the same alleged debt under different names and/or variations, which creates confusion, misrepresentation, and constitutes deceptive practices. This is a direct violation of FDCPA 807 ( 1 ) which prohibits false, deceptive, or misleading representation and FCRA 1681s-2 ( a ) which prohibits furnishing inaccurate or misleading information to credit bureaus. 
Illegal Reinsertion of Deleted Information ( FCRA 611 ( a ) ( 5 ) ( B ) ) After prior disputes, this account was deleted from my credit report. LVNV/Resurgent then reinserted the same account without providing me with the legally required five-day written notice of reinsertion. This is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ). Under this law, reinsertion w
ithout proper certification and consumer notification is prohibited, and the item must be permanently removed. Under FCRA 611, any account that can not be verified must be deleted within 30 days of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
on or about 3 weeks ago I sent a certified letter indication National Credit Adjusters is violating FCRA by reporting inaccurate and incorrect information. I even sent them a screed shot of inaccuracies demanding they vaildate and verfy the debt since it is not mine and provide exact procedure and method of verification as allowable by federal law ; however, they sent me a letter back saying they do not understand what I am asking and it is unclear. This is a tactic they are using to stall the process and continue vilaiong the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Phone : XXXX Email : XXXX SSN : XXXX Date : XX/XX/XXXX EQUIFAX INFORMATION SERVICES LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Fraudulent Hard Inquiries Request for Immediate Removal Under the FCRA To Whom It May Concern, I am writing to formally dispute several fraudulent hard inquiries that appear on my Equifax credit report. 
These inquiries were not authorized by me and are the result of identity theft. 
In XXXX, I lost my wallet, which contained my Social Security card and bank card. Shortly afterward, a criminal attempted to withdraw funds from my account. I immediately contacted my bank, froze my account, and had my card reissued. Since then, I have reason to believe that my stolen personal information has been used by this criminal to apply for credit without my consent. 
The following unauthorized hard inquiries must be removed from my credit file immediately : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 604, no one may access my credit report without my credit, explicit authorization or a permissible purpose. Since I did not authorize these companies to pull my these inquiries are a violation of my rights under the FCRA.

I am requesting that Equifax : 1. Remove the above unauthorized inquiries from my credit report.

2. Send me an updated copy of my credit report once the fraudulent inquiries have been deleted.

Please consider this letter a formal dispute under the FCRA.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : Proof Of ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Ive been trying to build up my business and trying to purchase things and my credit keeps getting declined so I pulled my credit report and every credit report has none of them have the right name or the right address they have all these bogus names a total of 18 different names. None of them are my legal name, five or six different addresses with 19 different open accounts. I need them all taken off my credit. None of them are mine and I authorize anybody to go ahead and open up account without my information Im furious and I need your help please

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : XXXX Email : XXXX XX/XX/XXXX Re : Request for Disclosure, Maximum Procedure Confirmation & Opt-Out of Nonpublic Information Sharing To Whom It May Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the GrammLeachBliley Act ( 15 U.S.C. 6801 ).

I hereby request the following : 1. Disclosure & Maximum Procedure Confirmation A full description of the procedures you maintain to ensure the maximum possible accuracy and fairness in the reporting of consumer information. 

Written confirmation of the administrative, technical, and physical safeguards you maintain for the protection of my nonpublic personal information, as required under 6801.

Identification of the sources of my information, the parties to whom my consumer file has been disclosed in the past 12 months, and the procedures you employ to correct inaccuracies and prevent unauthorized disclosures. 
XXXX. Opt-Out Request This letter also serves as my formal election to opt out of the disclosure of my nonpublic personal information. 
Please provide written confirmation that my opt-out election has been received, processed, and applied to my file. 

Confirm the effective date of my opt-out status, its duration, and any renewal or extension procedures that may apply.

This request is made under federal law. Please provide your full written response within the statutory timeframe of 30 days. 

Enclosed are copies of my government-issued identification and proof of address for verification. 

Failure to comply will be considered a violation of the Fair Credit Reporting Act and the GrammLeachBliley Act, subject to remedies provided by law. 

Thank you for your prompt compliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Dear Sir or Madam, I am writing to request guidance and support regarding an unresolved issue with JPMorgan Chase in the United States. 

In XXXX, while working as a XXXX  in XXXX ( XXXX  XXXX XXXX XXXX ), I invested my savings ( {$14000.00} ) in a JPMorgan XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX ). That same year I returned to XXXX, but I decided to leave the money invested in the XXXX, thinking I might return in the future. 

This year I traveled again to the United States with my family and went to a Chase branch to recover my funds. After an investigation by the * * Chase Executive Office * *, I was informed that my account had been closed in XXXX due to inactivity and that all assets had been transferred to the State of Indiana as Unclaimed Property. 

When I started the claim process with the * * Indiana XXXX XXXX XXXX * *, XXXX accounts appeared under my name : - A savings account ( correct ). 
- The investment account with XXXX bonds, but showing only * * {$24.00} * *, which does not match my original {$14000.00} investment. 

Chase Bank insists that everything was transferred to Indiana. However, the * * Indiana Unclaimed Property Office * * informed me that I must contact * * JPMorgan XXXX XXXX * * to obtain the records of how those bonds were transferred. 

The problem is that JPMorgan XXXX XXXX has not provided this information : - I tried calling them from XXXX ( via XXXX, since their system does not accept Spanish phone numbers ). 
- I correctly answered all their security questions, but was told that they could not verify my identity. 
- They refused to provide an email address where I could send my passport and investment documents. 
- I can not access the account online because it was closed. 

In summary : Chase tells me everything was transferred to Indiana ; Indiana tells me to contact JPMorgan Wealth ; and JPMorgan Wealth refuses to give me access to my own records or a clear way to verify my identity.

I feel completely unprotected in this situation, without transparency or clear answers, and I would like to know if there is any consumer protection or banking users mechanism that can assist me in recovering my savings.

I can provide documentation proving my investment as well as references from the Indiana Unclaimed Property records.

Thank you in advance for any guidance or support you may be able to provide. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 explanation
Consumer complaint received 2025-08-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief