vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
I checked my app for my monthly payment for my credit card which I have autopay set up for and it told me it was overdue which didnt make sense because I had the funds. So I set up another payment and immediately called SoFi. They informed me the autopay payment would be canceled and I didnt have to worry about it. A few days later and I was double charged! When they said I wouldnt be now my bank is overdrawn and is going to charge me a fee and SoFi says theres nothing they can do right now because it already came out?? I dont understand it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: AR

Complaint narrative:
Although this account has been paid in full and the balance satisfied, it continues to show late payment notations that are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
CFPB Follow-Up / Additional Information Submission Original Complaint Number : XXXX I am following up regarding my original complaint about a {$350.00} transaction sent on XX/XX/year>, which I initiated a dispute today through the Cash App mobile application. 

The funds were sent to Cash App user XXXX XXXX for services that were promised but never delivered. Despite payment, the recipient failed to provide the agreed-upon services and has ceased communication. This conduct appears deceptive and fraudulent. 

When attempting to initiate a dispute in-app, Cash App misrepresented the process. Instead of filing a proper Regulation E dispute, Cash App only sent a request to the recipient to approve or deny the dispute, without formally recording or investigating it. I have documented this misrepresentation. 

I also attempted to contact XXXX, and received the following automated reply : Thanks for reaching out but we dont currently monitor this email. For help and to contact Support, open your Cash App and : 1. Tap the profile icon on your Cash App home screen 2. Select Support 3. Navigate to your issue 4. Need more help? Tap Contact Support If youve already contacted Support and are following up about an existing issue, please respond to the last email you received and include the Case ID This confirms that email support is not monitored and all dispute handling must occur in-app. 

During my in-app communication, I was advised that a formal dispute had been filed and would be reviewed under Regulation E ( 12 CFR 1005.11 ). However, due to the misrepresentation described above, I have not received proper written confirmation of a Regulation E dispute, and my transaction history reflects only the attempted recipient approval request.

Pursuant to Regulation E, I am formally demanding : 1. Immediate provisional credit of {$350.00} to my Cash App balance within 24 hours 2. Written confirmation that my dispute has been received and is being investigated under Regulation E 3. Verification that a Regulation E investigation is actively underway, including timelines 4. A full investigation of the recipient account ( XXXX XXXX ), and appropriate measures taken, including potential account suspension or closure For reference, my Cash App username is XXXX XXXX 

Please treat this follow-up as part of my original CFPB complaint record. I expect full compliance with Regulation E and a prompt written response confirming the 24-hour provisional credit. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
The account in question is an auto loan for a XXXX Infiniti XXXX, serviced by Nissan Motor Acceptance Corporation ( Infiniti Financial Services ). The account number ends in XXXX and is a joint auto loan held between XXXX XXXX, and XXXX XXXX. The account was opened on XX/XX/XXXX and has a 60-month term. The original loan balance was {$23000.00}, and the current reported balance is approximately {$8800.00}. The monthly payment amount is {$430.00}. The account is currently reported as open, with a past-due amount of {$430.00} noted as of XX/XX/XXXX, and the account status was last updated in XX/XX/XXXX. 

I am filing a complaint regarding inaccurate credit reporting related to my auto loan. A late payment was reported despite the fact that the missed payment resulted from a servicing and website malfunction during a system update. I was never provided proper written notice of delinquency or effective notice of debt collection ( no email ). Any calls received were indistinguishable from spam ( always shown 'spam ' on XXXX ) or robocalls. 

Upon discovering that the payment had not been successfully processed, I immediately contacted the servicer and paid all outstanding amounts in full. The current credit reporting does not accurately reflect my payment behavior or intent and resulted from servicing and notice failures. 

I am requesting correction or removal of the inaccurate late payment reporting and confirmation that the account is no longer associated with any third-party collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for and was approved for a business credit card. I later discovered that a business credit card was issued and mailed to the home address of an individual who is not affiliated with my business. This mailing occurred on or around XX/XX/XXXX. The individual who received the card is my former business partner. 

I am the sole owner of the business and did not authorize any cards to be issued to this person. I was not aware at the time that she was associated with any Chase business account. 

After raising concerns, Chase removed her name from a bank account that appears to have been created without my knowledge or understanding. I still do not have an explanation as to why this bank account existed, how it was opened, or why she was associated with it. 

At some point after this, my Chase online portal updated to show a business card. However, this card had not previously appeared in my portal, and I had no prior visibility that a card existed or had been issued. 

More recently, in late XXXX, I noticed additional business credit card numbers appearing in my Chase online portal that I do not recognize and did not knowingly apply for or authorize. I do not know whether these cards are : Reissued versions of the card originally mailed in XX/XX/XXXX, or New cards issued under a separate or unknown account I have not received a clear explanation from Chase regarding : Why a business credit card was mailed to my former partners home in XX/XX/XXXX Why a bank account existed that I was unaware of Why multiple business credit cards are associated with my business Why these cards did not previously appear in my online portal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: 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 non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I disputed an XXXXXXXX XXXX XXXX account that is reporting on my credit file. After investigation TransUnion deleted this account and confirmed it was removed as inaccurate. Despite this verified deletion Equifax and Experian continue to report the same account with inconsistent and conflicting information. I have submitted disputes and supporting documentation but the account remains. Under the Fair Credit Reporting Act credit bureaus must ensure maximum possible accuracy and must delete information that can not be verified. Continued reporting after deletion by another bureau indicates a failure to conduct a reasonable reinvestigation and a violation of FCRA Sections 607 and 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: FL

Complaint narrative:
I was shocked to discover an unauthorized fraudulent inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-25 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: CA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-12-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed claim on all the money that was stolen from my XXXX account through bofa they denied my claims twice they denied my reconsideration even after I proved police reports and affidavits showing my incarceration during the times these cards were sent out I'm a victim of identity fraud mail fraud and home lessness .. Because these claims were denied without a reasonable investigation and despite documented identity theft, mail theft, and homelessness, i was incarcerated when the cards were delivered I physically could not receive mail I could not activate any cards Someone else intercepted your mail and activated the cards I reported identity theft and mail theft to law enforcementBank of America is claiming : Cards were received because they were mailed to my address Cards were activated, so they assume I did it1. Mailing to an address does NOT prove receipt Banks must prove actual receipt, not just delivery to an address.

If you were incarcerated : You had no access to that mailbox You had no ability to receive or control the mail Any mail delivered there was not in your custody 2. Card activation alone is not proof of authorization Activation can occur through : Knowledge of XXXX Intercepted mail Automated systems without ID verification BOA must prove who activated the card, not just that it was activated. 
3. Incarceration rebuts the presumption of authorization You have a complete rebuttal because : You were physically confined You had no access to the address You have police reports documenting identity theft There is no evidence you possessed the card 4. Denial violates Regulation E Under EFTA / Reg E, BOA must conduct a reasonable investigation. Ignoring incarceration + police reports = unreasonable investigation.Bank of Americas assertion that I received and activated the debit cards is incorrect and unsupported. While the cards may have been mailed to an address associated with me, I was incarcerated at the time of delivery and had no physical access to that address or any mailbox. I did not receive, possess, activate, or authorize use of any of the cards at issue. Any activation or use was performed by an unknown third party who intercepted my mail, which is documented by police reports for identity theft and mail theft. Mailing to an address does not constitute receipt, and card activation alone does not establish customer authorization. I am requesting reversal of the denial, full reinvestigation, and reimbursement pursuant to Regulation E.

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 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I reported a lost ATM card on XX/XX/XXXX which was replaced. That account was closed, and disappeared from their menu of " Statements and Documents '' " ATM & branch receipts '' list. Therefore, I can't download my ATM receipts from that account that were done prior to the loss. I've had cards replaced before and this never happened. I was able to download until the 120 day expiration. I contacted Chase And they told me that they can't help me by putting back into the system. That means that if they close any account ( debit card, credit card or checking ) for any reason you can't access it. What's more important? To report the card lost or to download the information before it gets lost. If anyone doesn't have their statement and documents coming in the mail ( paperless ), they will have to ask for specific documents when they need it, even though they encourage you to go paperless. I want to get that account back into the system, so that I can download my ATM receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I am filing a complaint against XXXX XXXX  for continued inaccurate credit reporting. This company is furnishing a collection account to XXXX XXXX XXXX  that has already been disputed and deleted by XXXX after investigation. XXXX  confirmed the account was removed as inaccurate and unverifiable. Despite this the debt buyer continues to report the same account with inconsistent information. 

I have disputed this account multiple times and provided proof of deletion by another credit bureau. Continued reporting of unverifiable information violates the Fair Credit Reporting Act including Sections 623 and 1681s 2 which require furnishers to report accurate information and to correct or delete information that can not be verified. The debt buyer has failed to conduct a reasonable investigation and continues to cause harm to my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Yes, I believe last Friday or Saturday night, XX/XX/XXXX or XXXX, 2025, my bank which is Bank of America immediately sent me a notification that XXXX took away {$96.00} without authorization which I heavily suspect that was fraud. It was for XXXX which was {$96.00}. However, I did have XXXX but it expired around 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 2025-12-25 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: AR

Complaint narrative:
This account does not belong to me and has been incorrectly reported on my credit file ; the information shown is inaccurate and should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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.

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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