vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied and was instantly approved on XXXX for a AMEX XXXX Gold card with a promotional offer of XXXX XXXX XXXX after spending {$15000.00} on the card. I reached the required spending in early XXXX and never received the bonus. I have called multiple times and today XXXX I was told that I was ineligible because I received the bonus before or for other factors they couldnt explain. This was my first business card with AMEX and never received a bonus for that card before. At no point before was this information relayed to me before that date. On a prior call the phone representative confirmed with me that I should receive the bonus after my XXXX statement closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
Equifax is reporting multiple collection and charge-off accounts, including XXXX, account ending XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX, XXXX, account ending XXXXXXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX with a balance of {$1000.00}, and XXXX XXXX XXXX account ending XXXXXXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX with a balance of {$54000.00}. I dispute the accuracy, completeness, and validity of these reported debts. Equifax is obligated by the FCRA to conduct proper and thorough investigations when a consumer disputes an item. However, recent findings by the CFPB highlight that Equifax has failed to conduct proper investigations and has engaged in sham investigations violating federal law. This severely undermines the credibility of the information on my credit report. 

Given the magnitude of these balances and their impact on my creditworthiness, it is critical that Equifax fulfills its legal responsibility to reinvestigate these accounts properly. Under 15 U.S.C. 16811 ( a ) ( 1 ) ( A ) and 1681 ( a ) ( 5 ), Equifax must conduct reasonable investigations and promptly delete or correct any information that is inaccurate, incomplete, or unverifiable. The possibility of data breaches or reporting errors further compounds the need for accurate resolution of these disputed accounts to prevent unlawful harm to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Navy Federal Credit Union failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process XXXX was unfair and deceptive, as they didnor '' ) comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I NEED YOU TO REMOVE ALL OF MY NON PERSONAL INFORMATION FROM ALL 3RD PARTY COOPERATIONS, INCLUDING Experian, Equifax and Transunion. I HAVE THE RIGHT TO PRIVACY! 15 U.S. Code 6801 specifically states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Further more according to 12 CFR 1016.7 Consumers have the right to opt out of companies disclosing their nonpublic personal information. I OPT OUT, STOP DISCLOSING MY NONPUBLLIC PERSONAL INFORMATION. I HAVE THE RIGHT TO PRIVACY. REMOVE THE FOLLOWING ACCOUNT : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00}. I AM NOT ASKING FOR YOU TO VERIFY THE ACCOUNT. I WANT IT REMOVED

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 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
I received a phone call from XXXX I was on hold for awhile and got disconnected I tried calling back and I got a recording that said thank you for calling XX/XX/XXXXthe number you have called has been suspended

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-21 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: KY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-21 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: KY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company 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 2025-05-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, Subject : Unresolved Dispute Regarding Credit Report Item I am writing to formally state that I have made several attempts to resolve a dispute concerning an inaccurate item on my credit report. Despite following the appropriate procedures and submitting the necessary documentation to the credit bureaus, the matter remains unresolved. 

The responses I have received from the credit bureaus have not addressed the specific details of my original complaint. In fact, the replies have been either irrelevant or generic in nature, failing to provide the correct or pertinent information related to my dispute. 

I have acted in good faith to rectify this issue and request that this matter be reviewed thoroughly and the inaccurate item be removed from my credit report promptly due to the fact that the credit bureau has not been able to provide debt verification or proof of how the debt was verified in over 90 days and they are in fact in violation of the FCRA. 

Please consider this letter as part of my continued effort to resolve this matter. I appreciate your attention and timely response. 

Sincerely, XXXX 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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I registered to open a XXXX XXXX Checking Account on XX/XX/year> with a {$300.00} promotional bonus tied to the sign-up. The requirements were {$4000.00} in direct deposits within the first 90 days. The promotion was applied automatically when clicking through their website sign-up page I have met those requirements and called the bank to check on the status of my bonus being deposited and was alarmed to be notified that a promotion had NOT been applied to my registration. They informed me they required the promotional code that I used when signing up. I did not write this down as the code was applied automatically in the field. I vaguely recall it was XXXX where XXXX  is the unknown number that I can't recall. The promotion ended at XXXX on XX/XX/XXXX and the promotion switched to a new amount the following day on XX/XX/XXXX. I signed up for a checking account, was approved, completed all of their requirements and now the bonus is being withheld over vague " promotion did not apply '' reasons. For whatever reason, they can not look up whichever promo code was active during that period as it was not a unique code and applied to all eligible customers.

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 2025-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OK

Complaint narrative:
So Toyota financial services is completely incompetent. They took out multiple payments in XXXX & XX/XX/2025. Now are saying they never received payments for those months & am being charged late fees with missing payments? I had to get my bank involved in XXXX to get the second payment refunded. Then XXXX they tried taking a 3rd payment out but I stopped that before it could process. Then they issued me a check for the second payment & I'm now trying to still get in touch with a supervisor. Ive called XXXX every week multiple times a week for the past month & a half to no avail ... why if I did owe any money would the issue me a check for a refund? Now when I call they said that was what refunded .. no it is not. I sent over my merchant reports from my bank & I saw on the app that 2 out of my 4 complaints were resolved & my next payment was XX/XX/XXXX as it should be but this afternoon I looked & i have a late fee & am also being told that my payment for XX/XX/XXXX is late & past due. I am almost in tears.. i am beyond frustrated. Since being out of XXXX  I've worked extremely hard on building my credit which is almost XXXX. My husband & myself are trying to get a house... I just need someone to plz help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: RI

Complaint narrative:
On XX/XX/year> I looked at my credit report and I noticed some inaccuracies. I submitted a letter requesting Experian to investigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They sent me their investigation and said they were accurate. And according to 15 USC 1681 ( 5 ) It states after my investigation under paragraph ( XXXX ) of any information disputed by a consumer in item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureau did not reinvestigate and violated my rights. Thank 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 2025-05-21 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: CA

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-05-21 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/year> and approximately XXXX, was the victim of a fraud scam involving spoofed phone calls impersonating Navy Federal Credit Union . The scammer called me from a number that appeared to be Navy Federals legitimate customer service number. They claimed my checking account was compromised and convinced me that the only way to secure my funds was to transfer money via XXXX XXXX to a new account they claimed was in my name. 

Under this deception, I sent {$4000.00} via XXXX XXXX. I later discovered it was a scam. I immediately reported the fraud to Navy Federal and requested a chargeback or fraud investigation.

Despite the fraud being a result of impersonation, account manipulation, and social engineering, Navy Federal denied my claim without reversing the transaction or offering a remedy. I also contacted XXXX XXXX, and XXXX XXXX XXXX  ( the bank listed for the transaction ) which did nothing to assist or recover the funds. I then followed up with a police report with the XXXX XXXX XXXX Police department, case number XXXX. 

I am filing this complaint to formally request the CFPB to : Review Navy Federals and XXXX XXXX denial of my fraud claim Investigate whether proper procedures were followed under Regulation E ( 12 CFR 1005.6 ) Assist in seeking restitution or escalation I am attaching any supporting documents, including screenshots, transaction details, and the denial letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Unfortunately I initially prepared this complaint XXXX months ago but in follow-up, I learned by phone with an agent of CFPB that it was not properly filed, so the dates are not as clear. But the fact remains, Bank of America has consistently refused to mail Form XXXX ( Mortgage Interest Statement ) over the past XXXX  years which is required by law. In my last telephone encounter, the representative refused to address the issue at all, and told me I had to go into a branch. The failure of Bank of America to file XXXX XXXX is directly violative of XXXX XXXX. XXXX of the XXXX XXXX XXXX. Our mortgage interest is usually over {$10000.00} annually. We can not proceed with a personal tax filing of our XXXX until we receive the form, and the branches are very scattered around our area due to closure of retail locations, so it is very inconvenient to take time from our work day to convenience Bank of America when it has a statutory duty to mail the form to its customers BY XX/XX/XXXX. Today, it's XX/XX/year>.

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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XXXX  XXXX, the issuer of my CareCredit account, closed my account without my knowledge or consent. I did not receive any notice via mail, email, or phone prior to the closure. The account is now being reported as closed by credit grantor, which is both damaging to my credit score and inaccurate.

This action is a violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report information that is accurate and complete. XXXX  XXXX  has failed to provide proper documentation or explanation regarding this account closure.

Ive attempted to resolve this directly with them and through a dispute on my credit report with XXXX. I am now requesting that the CFPB investigate this matter and compel XXXX XXXX to : 1. Provide documentation proving I was properly notified and agreed to the closure ; OR 2. Remove this negative account remark from all three major credit bureaus ( XXXX, XXXX, and 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