vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year> I received an official promotional email from Chase regarding my Sapphire Preferred credit card. The email stated : " Congratulations, you've earned your bonus! 
Get excited, your XXXX bonus points and {$150.00} Chase XXXX credit are on their way! Your bonus points will be posted in 6-8 weeks. '' I had already received and used my initial welcome bonus prior to receiving this email. 
Because this second email did not state it was sent in error and included a specific timeline, l reasonably believed it reflected an additional promotional bonus. I relied on this communication and spent accordingly.

After more than 6-8 weeks passed with no additional bonus points credited, I contacted Chase to inquire. I was told to disregard the email and that it was sent in error. I was not transferred to a supervisor, there was no acknowledgment of the error in writing, and no goodwill or middle-ground resolution was offered.

I am requesting a formal review, acknowledgment of the promotional communication error, and a fair resolution based on the written offer I received and relied upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: GA

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 XXXX 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-12-24 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: GA

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 XXXX 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
XXXX  is misrepresenting my account and improperly blocking my ability to make payments. 

On XX/XX/XXXX, XXXX payments were charged : {$100.00} and {$110.00}. I requested my bank, XXXX XXXX XXXXXXXX, to stop only the {$110.00} payment while it was still pending. The {$100.00} payment was successfully received by XXXX. 

XXXX  representatives falsely stated that both XX/XX/XXXX payments were reversed and that my bank placed stop payments on all future transactions. This is incorrect. My bank XXXX XXXX XXXXXXXX confirmed on XX/XX/XXXX that they only put a single stop on the {$110.00} payment not on any any future transactions and that the {$100.00} was sent successfully to XXXX which they claim they never received. 

Despite this, XXXX  removed my AutoPay and blocked my payment access, which directly caused my XX/XX/XXXX payment to fail now doubling my payments. I asked XXXX  to fix this issue immediately and they failed to resolve issue. They then escalated the problem stating I didn't pay a earlier payment due XX/XX/XXXX for {$89.00} that has sense be resolved. 

The only payment that I should have owed to netcedit was a {$110.00} payment that was extended from XX/XX/XXXX to XX/XX/XXXX which was a payment I had my bank put a stop payment on. I've asked XXXX numerous times to fix this issue and make this adjustment which they have failed and refused to do only exasperating my situation and causing the extreme hardship further. 

Since XXXX successfully accepted the {$100.00} payment, they should have been able to continue processing all remaining payments on my account. 

XXXX is now treating my account as delinquent, stacking payments, and charging late fees for issues created by their own improper account handling and false claims. This has caused serious financial hardship and inaccurate account servicing. 

As if XX/XX/XXXX XXXX  is now saying I owe {$80.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX these payments do not match my bi-weekly payment plan and they are trying to get me to pay even more payments on a weekly basis instead of bi-weekly which is my pay cycle. 

I am requesting immediate correction of my account, restoration of payment access and AutoPay, removal of all fees and penalties caused by this error, and confirmation that no false stop-payment restrictions remain on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: Kovo
State: LA

Complaint narrative:
On XX/XX/year> a company named Kovo INC have put a total of XXXX late payments on my credit report that I havent authorized. Ive never open a KOVO INC account ever. Im also a victim of identity fraud. Id like this removed from my credit report as soon as possible. Its negative affecting my credit score. These marks do not reflect my actual payment history and are being reported in error. I have already attempted to resolve this with the credit bureaus, but the incorrect data remains. I am requesting a full correction of my payment history to reflect 'On-Time ' for these periods as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NC

Complaint narrative:
I discovered that multiple inaccurate, adverse, and unverifiable tradelines and inquiries were being reported on my consumer credit file by XXXX or more nationwide consumer reporting agencies despite my personal identifying information having been compromised. 

After learning of the data compromise, I am sending a formal written dispute and notice of data compromise demanding deletion or blocking of all items that could not be lawfully verified using untainted identifiers. In that notice, I specifically invoke the consumer reporting agencys duties under 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ), 15 U.S.C. 1681i ( a ) ( reasonable reinvestigation ), and 15 U.S.C. 1681c-2 ( blocking of identity-theft-related information ). 

Despite receiving this notice and supporting identity documentation, the consumer reporting agency continued to report numerous negative tradelines and inquiries without providing a lawful method of verification, original source documentation, or evidence of a manual reinvestigation. Instead, the agency relied on automated or boilerplate responses, which do not satisfy the Fair Credit Reporting Act or CFPB guidance regarding reasonable investigations. 

Because the reporting agencys own systems rely on personal identifiers that were compromised, any claim that the reported data is accurate or properly verified is unreliable. Continuing to publish this information has caused ongoing credit harm, denials, and financial injury. 

In short, the consumer reporting agency failed to : Maintain maximum possible accuracy, Conduct a reasonable reinvestigation after notice of dispute, and Block or delete unverifiable information tied to compromised identifiers, in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Upon checking my bank statements the morning of XX/XX/year> I noticed a fee for XXXX cents added on to my credit card. I called at XXXX XXXX today and spoke with a woman who said it seemed ah that there would be something on there as I was not sure in my monthly billing payment and I've been paying excessive amounts to knock down the debt. The only way I should have received these fees according to the customer service agent is if I didn't make my bill paid in full and was short then I would owe something and have a fee. There's no reason for this fee. There's no explanation for it and the entire time that I've ever had this credit card there has never been any sort of fee like this. If there was a change to the terms and conditions of the credit cards, I did not receive any disclosure as I'm required to have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am filing a formal complaint regarding an unresolved international wire transfer recall with Bank of America. 

An international wire transfer in the amount of XXXX XXXX was sent on XX/XX/2025. Due to an issue with the beneficiary information, a formal wire recall request ( XXXX ) was submitted and acknowledged by Bank of America, including their XXXX investigations team. 

Despite this, the funds have been outstanding for over XXXX days with no resolution. Bank of America has repeatedly stated that they are waiting for a response from the beneficiary bank, but they have failed to confirm where the funds are currently held ( intermediary bank vs. beneficiary bank ), or what concrete actions are being taken to recover the funds. 

This is not an acceptable resolution timeline for an international wire recall, especially when the recall has already been formally requested and acknowledged. I am requesting that Bank of America escalate this matter to their Resolution Team, provide written confirmation of the current location of the funds, and take immediate action to return the funds. 

I am seeking regulatory assistance to compel Bank of America to resolve this matter promptly.

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 2025-12-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: KS

Complaint narrative:
Product : Prepaid debit card / Debit card Company : Chime Financial , Inc. 
Issue : Unauthorized transaction / Improper denial of reimbursement Complaint Description I am filing a complaint regarding XXXX improper handling of an unauthorized electronic funds transfer in violation of Regulation E ( 12 CFR 1005 ). 

On XX/XX/year>, Chime allowed a {$240.00} charge from XXXX to post to my account. I did not authorize this transaction and have never had an account or subscription with XXXX. 

This charge occurred after months of repeated fraud alerts from Chime regarding XXXX transactions. Between XXXX and XX/XX/year>, Chime sent me multiple fraud alerts asking whether I attempted XXXX charges. I repeatedly responded NO. In response, Chime explicitly stated that the transactions were blocked and that no funds were taken. These alerts involved multiple compromised card numbers, confirming XXXX awareness of an ongoing fraud pattern involving this merchant. 

Despite this documented history, Chime failed to prevent the XX/XX/XXXX transaction and then denied my dispute twice, labeling it as a subscription issue. Chime did not provide evidence of authorization, account creation, or consent tying this charge to me, nor did it address the prior fraud alerts acknowledging the merchant as unauthorized. 

Once a financial institution has knowledge that a card is compromised and that a specific merchant has generated repeated unauthorized attempts, it has a heightened duty under Regulation E to prevent further unauthorized transfers. Allowing a known fraudulent merchant to charge my account and then denying reimbursement is improper and inconsistent with federal error-resolution requirements. 

I am requesting that Chime : XXXX. Reverse the unauthorized {$240.00} charge, XXXX. Provide written documentation explaining the basis for its denial, including any evidence of authorization it claims exists, and XXXX. Correct its handling of my account to comply with Regulation E. 

I am attaching screenshots showing the repeated fraud alerts, my NO responses, and XXXX  confirmations that prior XXXX transactions were blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: VA

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
This is my second complaint against National Credit Systems , Inc. ( XXXX ). I am disputing an alleged debt they are attempting to collect on behalf of XXXX XXXX XXXX XXXX. XXXX responded to my initial complaint by claiming that the original creditor provided documentation supporting the debt, but the only documentation I received was a lease agreement, which is incomplete and fails to substantiate the balance claimed. They have not provided any billing statements, transaction history, account ledgers, or proof that I am legally responsible for this debt. 
Additionally, I was never notified before this alleged debt was placed on my credit report, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). Reporting a debt without proper notice or verification also violates FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 3 ), which require accurate, verified, and properly coded reporting of consumer information. According to XXXX XXXX Compliance Manual XXXX, XXXX, and XXXX, furnishers and debt XXXX must provide factual, verifiable documentation before reporting a tradeline or collection, which XXXX has failed to do. 
I have also researched this company and am aware that XXXX has been involved in multiple lawsuits for violating debt collection and consumer reporting laws, which further raises concerns about their compliance and accuracy. 

I have repeatedly requested full documentation verifying the debt, including : The original creditors complete account records showing the charges assessed The exact amount owed, including fees and interest Any payment history or transactional evidence Proof that the debt is legally my responsibility A complete chain of assignment, showing XXXX authority to collect this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
In XX/XX/XXXX2022 until the present 2025, XXXX XXXX never advised me they were purchasing the loan from XXXX XXXX XXXX on my behalf at INTEREST ONLY REPAY. XXXX XXXX XXXX XXXX, NEVER advised me of any Assignment AGREEMENT PURCHASE WITH XXXX XXXX! THERE'S NOTHING MENTIONED ABOUT ANY AGREEMENT AND XXXX XXXX XXXX XXXX HAS NOT PROVIDED ANY DOCUMENTS REFERENCING SAME. THIS IS PREDATORY LENDING AND FRAUD! FURTHER, I WAS NOT PRESENTED WITH ANY DOCUMENTS DURING THE REPOSSESSION OR AFTER. I WANT TO BE REFUNDED ALL OF MY MONEY {$350.00} + {$150.00} = {$500.00}, these fees are from XXXX XXXX AND THE TOW COMPANY THAT I XXXX XXXX XXXX! THE ONLY RESOLUTION AT THIS POINT IS TO REIMBURSE ME AND SETTLEMENT FOR THE TITLE ON THE BALANCE OF {$7000.00}! I'M GOING TO FILE ANOTHER COMPLAINT. There's NO PAPERWORK OR INFORMATION THAT I SIGNED, OR AGREEMENT BETWEEN XXXX XXXX XXXX XXXX AND XXXX XXXX THROUGH TO XXXX XXXX THERE'S NO CONTRACT OR DOCUMENT WITH MY SIGNATURE OR AN ASSIGNMENT BETWEEN XXXX XXXX XXXX XXXX AND XXXX XXXX THROUGH TO XXXX XXXX EITHER. IN FACT, XXXX XXXX WAS PRESENTED TO ME BY XXXX XXXX XXXX AS THE " BANK ''. NO MENTION OF ANY ASSIGNMENT AND I HAVE NO PAPERWORK STATING SAME! THIS IS FRAUD AND PREDATORY LENDING.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THESE ACCOUNTS WERE NOT OPENED OR APPROVED BY ME. I HAVE NO CONNECTION TO THESE ACCOUNTS.

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 2025-12-24 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-24 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: NY

Complaint narrative:
I am filing this complaint regarding an improper stall letter I received in response to a dispute that I personally submitted. The credit bureau claimed the dispute was not processed because it allegedly did not come from me or an authorized party. This claim is inaccurate, as I am the consumer and I personally submitted the dispute. No third party, credit repair company, or unauthorized individual was involved in submitting it on my behalf.

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 2025-12-24 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I am filing a complaint regarding the closure of my XXXX XXXX XXXX issued by Synchrony Bank and the forfeiture of approximately {$450.00} in earned rewards. 

My account was closed following payment timing issues related to how I pay my card. I routinely pay my statement balances in full, rather than making minimum payments, and I do not carry revolving balances. 

There was XXXX missed minimum payment in XX/XX/year>, followed by XXXX back-to-back payment failures more recently when Synchrony attempted to immediately debit the full statement balance via autopay. These were not intentional nonpayments, but timing and autopay issues related to paying balances in full rather than minimums. 

I contacted Synchrony immediately after the closure. A supervisor acknowledged the closure was related to payment timing and submitted a request for review. However, I was later informed verbally that my rewards were gone, despite receiving no written notice explaining forfeiture of earned rewards, and despite receiving conflicting communication about account status. 

I believe the forfeiture of earned rewards under these circumstances is unfair and disproportionate, especially given that : There was no intent to avoid payment No fraud or abuse occurred Payments were made in good faith and typically in full The issue stemmed from autopay and timing, not refusal to pay I am requesting XXXX of the following resolutions : Restoration of my earned rewards balance A statement credit equal to the forfeited rewards Or another reasonable goodwill adjustment I am seeking a written explanation and fair resolution from Synchrony Bank.

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