vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I was charged {$160.00} on XX/XX/year> by XXXX on my XXXX XXXX Credit Card ending in XXXX ( serviced by Chase Bank ). I've since returned the purchased item to the merchant, who acknowledges receiving the return but has not refunded the purchase amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/year>, I mailed a certified dispute packet to Equifax Information Services, LLC regarding an inaccurate tradeline furnished by XXXX XXXX XXXX. 

XXXX XXXX XXXX # : [ insert number ] USPS records show the letter arrived at the XXXX, GA post office on XX/XX/year>. 

Status indicates it was Available for Pickup on XX/XX/year> and a Reminder to Pick Up on XX/XX/year>. 

Equifax has not retrieved the certified mail and has failed to conduct any reinvestigation. 

This refusal to retrieve and process my dispute obstructs my rights under the Fair Credit Reporting Act ( FCRA ) : 611 ( a ) ( 1 ) : Requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days.

607 ( b ) : Requires consumer reports to be maintained with maximum possible accuracy.

623 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting inaccurate or unverifiable information.

My dispute packet included : A cover letter ; A detailed dispute letter citing Metro 2 reporting violations and FCRA violations ; Proof of identity and address ; Annotated Equifax credit report pages highlighting inaccurate XXXX XXXX XXXX reporting ; USPS proof of delivery attempts. 

Equifaxs refusal to retrieve the certified dispute means the account remains unverified, inaccurate, and harmful, and their failure to investigate violates federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: NE

Complaint narrative:
I have been waiting for a replacement card since XX/XX/year> ( Case/Reference : XXXX ) and still have not received it. 

When I first called customer service, I was given a very difficult time before they finally agreed to send a replacement card via XXXX  expedited delivery on XX/XX/XXXX. However, no card ever arrived. 

I called multiple times afterward to request the tracking number, but neither agents, supervisors, nor managers were able to provide XXXX. I also sent several follow-up emails to XXXX and XXXX, as instructed, but never received a single response. To this day, I have no tracking number, no updates, and no replacement card. 

This is completely unacceptable and raises serious concerns about how this company functions and how they allow this type of poor customer service. 

I urge XXXX to address this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: CrossCountry Mortgage LLC
State: GA

Complaint narrative:
I am submitting a complaint regarding an inaccurately reported late payment on my former mortgage account. This mortgage was associated with the home I sold, and the account is now closed. Despite this, the credit bureaus continue to report a late payment, which I believe is incorrect and unfairly damaging my credit. 

I previously disputed this late payment directly with the credit reporting agencies, but the lender verified the information without properly addressing my supporting documentation. I have attached copies of my closing documents and payment records demonstrating that the account was satisfied in full when the home was sold. 

I request that the Consumer Financial Protection Bureau review this matter and require the lender to either : 1. Provide documented proof of the late payment, or 2. Remove the inaccurate late payment entry from my credit report.

This inaccurate reporting has negatively affected my credit standing and does not reflect my history of responsible repayment. I respectfully ask for the CFPBs assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: IA

Complaint narrative:
inaccurate accounts are reporting to my credit file

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 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
We sold our car to XXXX and received a check payment for amount of {$9600.00} ( attached the sales contract with this complaint ). The check is dated XX/XX/year>. 

We deposited the check on XX/XX/year> evening at XXXX Bank of America 's ATM to my XXXX  checking account. 

On XX/XX/year>, I received notification from XXXX  that the check deposit is on hold ( attached the email notification with this complaint ). I called XXXX  and they told me that they suspect check fraud and will close my account. I told them this is not a check fraud and I can provide support, but they have refused any chance for me to support the transaction. I have since then not been able to access my account. 

A few days later, I got a letter from XXXX  saying they reported the matter to chexsystems and early warning services. 

I also reached out to XXXX, they told us that from their end, they can see the money has been credited to my account. They also provided a copy of the check and record from their bank 's record ( XXXX XXXX ). Attached the copy of the check with this complaint Have contacted XXXX  multiple times with attempts to figure out what is going on on their end, and they have been refusing to provid any updates on this matter or even expected timeline or next setp.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
On XX/XX/XXXX, a {$75.00} charge on my Bank of America card was declined. On XXXX, XX/XX/XXXX at XXXX XXXX, Bank of America sent me a text asking if I had authorized this charge. I replied no. When I checked my statement, I was dumbfounded to see a Target charge for {$540.00}, which I did not make. I normally use this card only for gas, and major purchases are made with my XXXX XXXX, so this large charge was completely unexpected and alarming. 
I disputed the charge, and Bank of America temporarily credited the amount while investigating. On XX/XX/XXXX, they emailed me stating they refused to refund the charge, claiming I had visited this location before. This is incorrect and unreasonable, as I never made a purchase of this amount with this card, especially at XXXX. 
Immediately after noticing the charge, I reported it to the Federal Trade Commission via an Identity Theft Report, instated an Initial Fraud Alert, and received a credit report from XXXX. I also doubled my security for the Bank of America account to prevent further unauthorized activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: DISCOVER BANK
State: PA

Complaint narrative:
I stopped working due to problems at my job and I didnt have a way to pay back what I had use and wasnt able to freeze the card since I had already owed money to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Climb Credit Inc.
State: GA

Complaint narrative:
on XX/XX/scrub>/2024, I found a program through XXXX. They talked to me a bit about the program, but not much about once the program is finished, or how everything worked afterward. They told me to just get a loan to pay for it, with no explanation of what company or how it would work to pay it. They told me just to get the loan and didn't offer any other ways, and just told me to get it through Climb. Midway through the program, after promising help and a job once the program is over, they then said that it wasn't a guarantee of a job and that I did not qualify for it either. They told me they would help and get me a job on the call and on the website before I got the loan. Then, after not being able to keep up with the program and payments, I was forced to pull out of the program and was told I would still have to pay the full course, even though they were misleading and didn't provide the full service they offered. Now I'm left with a loan over 5 digits, no help, and in debt because of this program. 
My loan ended up being XXXX with an interest rate of 18.99 %

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Apply for credit card FOR line a credit at XXXX XXXX XXXX XXXX JUST PURCHASE NEW HOME CLOSES XX/XX/year> Never .DENIED for. XXXX XXXX CREDIT CARD XXXX I WAS been. XXXX, through the company phone service the COMPANY REQUEST further information gave me a reference number to call and check. Cause the phone service gave me a reference number .. that l needed. To call verify l began be excited company request morer details after l gave the company all information XXXX. That was needed... the young lady stated after l been DENIED. I ask the young lady.. Why did the company request all the information then have me denied why take me thu a long TIME process had me to have my XXXX  XXXX XXXX lifted. XXXX all my information numberousc XXXX times then to denial which were misleading

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 2025-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
A car loan by Capital One Auto Finance was fraudulently opened in my name ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, NC XXXX with the account number XXXX. I did not open this loan nor get a vehicle. This needs to be removed off my credit. The bureau said I need to fill out a FTC REPORT which I did and mailed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: KY

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: Sunbit, Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a charge of {$670.00} that was applied to my credit card in XX/XX/year>, which I believe to be fraudulent. While a credit was initially issued by the company, it was later reversed. I was then informed that the merchant had also issued a credit, prompting the company to revoke theirs. However, this credit appears twice on my accountonce as a credit and once as a returneffectively canceling itself out both times. 

In total, there were XXXX credits and XXXX corresponding reversals, resulting in no actual refund being applied to my balance. I have not received any net credit, and the original {$670.00} charge continues to reflect on my account balance, despite multiple assurances that it would be resolved. 

Since XXXX, I have made numerous attempts to resolve this matter by speaking with customer service and the fraud department. I have been promised return calls that I never received, and I continue to be given the runaround with no clear resolution or explanation. 

This situation has been ongoing for far too long. It is unacceptable that I am still being held responsible for a charge I do not owe. I am extremely frustrated and disappointed with the handling of this matter. 

I am requesting an immediate review of my account and a full reinstatement of the {$670.00} credit. Please respond promptly to confirm that this issue is being addressed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MI

Complaint narrative:
After an aggressive attempt to deliver complaint -walking to back gate, yelling over barking dogs and not moving after being asked to back away from the gate. Server left " evaded service '' notice on door, with only a first name, number and " contact me personally or attempt to serve will continue ''. 
I searched the local court to verify, 6 days later another notice was posted on the door with " evaded service, final notice ''. Received mail, and certified mail 2 days later. Officially posted an answer including since an acknowledgement has been made please refrain from further contact. 3 weeks later ( 12 days after court appearance date set and notifications sent to all ) they taped the complaint on the door, I was home, did not knock. 

During the court appearance, I repeatedly questioned and named my concerns representative said none of that matters and has nothing to do with why we are here, today. This appearance is ONLY for if you are responsible for the debt, if you are not disagreeing you can sign consent and we can be done today. As in - nothing they did, do, or are doing wrong matters because I had an original debt, but I did not know that when I signed I believed that part would come later or I missed my chance to say these things, by how it was presented to me. 

As shown by the court events they filed the summons and complaint ( did not attempt to serve in person or certified mail ), immediately filed for alternative methods with their extension when they ran out of time, that was approved. I filed the answer as soon as I knew about the lawsuit, they still pursued the alternative methods in court adding {$110.00} for the substituted service that was 12 days after court date set and 3 weeks after certified mail had a response otherwise known as verification of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I spoke to this collection agency and they said I owed {$1500.00} for some XXXX. 
I

don't recall ever having to go through any procedure that would require this. I spoke to the collections agency and ask if they could provide information regarding this would be mine via verbal on the phone call, via mail or electronic mail and they could not verify my birthday, email or SSN. This same agency had 3 charges on my account, 2 have been removed but there is still one remaining.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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