vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: CO

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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Company : Bank of America , N.A . 
Product : Credit card Issue : Problems with a newly opened credit card Sub-issue ( if prompted ) : Trouble using card / Promotional bonus issue Complaint description : I am submitting this complaint regarding a XXXX XXXX XXXX credit card issued by Bank of America that I was instantly approved for but was unable to use due to Bank of Americas policies. 

I applied for the card today XX/XX/year> during a time-sensitive cruise booking because it was marketed for immediate use and offered a {$300.00} promotional credit after spending {$1500.00} within 90 days. I was approved instantly, and the card number appeared in my Bank of America account. However, Bank of America did not provide access to the expiration date or the three-digit security code, which made it impossible to use the card for an online purchase, add it to a digital wallet, or complete the transaction. 

I contacted Bank of America and spent over an hour speaking with multiple representatives. I was told that no temporary card details could be provided and that my only option was to wait for the physical card to arrive. I was also advised to add the card to a digital wallet, despite not having the required information to do so. 

Because the cruise reservation could not be held and was time-sensitive, I was forced to pay approximately {$4500.00} using a different credit card to avoid losing the booking. As a direct result, I am now unable to meet the spending requirement for the promotional credit, despite being approved and fully intending to use the Bank of America card immediately. 

Bank of Americas failure to provide any usable temporary card access, combined with the way the card was marketed for immediate use, caused me financial harm and the loss of the advertised promotional benefit. This situation was entirely outside of my control. 

I would also note that Bank of America does not provide any email or secure messaging option for submitting written complaints regarding this credit card. My only option was to call customer service, where I experienced hold times exceeding 30 minutes and was repeatedly transferred without resolution. The lack of a written communication channel further limited my ability to resolve this issue in a timely and effective manner.

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 2025-12-22 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:
Subject : Complaint Regarding Identity Theft and Experians Failure to Properly Comply with FCRA Requirements To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding identity theft and the manner in which Experian, a nationwide consumer reporting agency, has handled my documentation, disputes, and requests for relief. 

Despite providing Experian with proof on XX/XX/year> and supporting documentation confirming that certain accounts resulted from identity theft, Experian has continued to report these items. When a consumer submits valid documentation demonstrating identity theft, such evidence should not be dismissed or questioned. Experians failure to properly review and act upon this documentation has resulted in unnecessary hardships, expenses, and ongoing harm to me.

Under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 605B ( 15 U.S.C. 1681c-2 ) requiring consumer reporting agencies to block information resulting from identity theft upon receipt of appropriate proof ; 1681s-2 outlining the duties of furnishers to investigate and correct fraudulent information ; 1681n providing for civil liability for willful noncompliance ; 1681o providing for civil liability for negligent noncompliance ; I am legally entitled to have fraudulent items removed and blocked from my credit report, and to seek compensation for the damages caused by Experians noncompliance. 

Additionally, I want to emphasize that I have previously submitted multiple disputes requesting that these items be removed and blocked. Despite these repeated efforts, Experian denied my requests and failed to take corrective action as required by law.

Experians conduct has caused significant emotional distress, financial loss, and interference with my ability to maintain stable credit and financial well-being. I respectfully request that the CFPB investigate Experians handling of this matter, ensure that all identity-theft-related items are promptly removed and blocked, and address the violations of my rights under the FCRA. 

Thank you for your time and attention. I have prepared and provided additional documentation necessary to support this complaint.

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 2025-12-22 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: Chime Financial Inc
State: OH

Complaint narrative:
I received a text message at XXXX XXXX  on XX/XX/XXXX. It was a fraud alert in reference to a charge for {$34.00} for " XXXX ''. At XXXX XXXX  the same day, as soon as I clocked out from work, I replied NO. I had no prior knowledge of the charges that had been made to my account earlier that week, because it's not a bank account I use often. This is not my main bank account. I get school checks in there and have normal XXXX XXXX or XXXX or food place charges. I occasionally use it to transfer money from one bank account to the other. I called them at XXXX when I got home to file a dispute. They have denied the dispute 3 times now. I have called back and provided information. I have done my own research on the places that I've been charged from. There were XXXX orders from XXXX on XX/XX/XXXX, from the span of XXXX - XXXX. I was at work that day from XXXX XXXX  to XXXX. I was never notified of charges, or that there was strange activity on my account. Although XXXX charges to the same business in the short amount of time, for most banks, including the one I worked for triggers fraud. I was on the line making food at the point of these alleged purchases. I should have a means of looking for detailed reports with my name linked to the orders I rang up on the register at work although I feel that is so beyond unnecessary for this situation. I had used this bank account to pay my phone bill, which is not how I typically pay it, and it has now been shut off due to insufficient funds, because of the amount of fraud I have had come through. This is something I have now been working on since the XXXX. I have a job, I have school work to be done, I have a house to tend to. Now every few days when I have a little bit of time with the holidays and everything listed above, I'm having to deal with this situation and it is incredibly frustrating. I will list below a more detailed list of the fraud charges. I will also include my work time sheet, and the addresses of the companies I was charged from in Texas and Oklahoma. 

For the date of XX/XX/XXXX, all for XXXX we have : XXXX XXXX  - {$33.00} XXXX XXXX  - {$36.00} XXXX XXXX   - {$52.00} XXXX XXXX  - {$34.00} XXXX XXXX  - {$34.00} XXXX XXXX  - {$35.00} Next we have XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX  - {$41.00} Lastly, we have XXXX  on XX/XX/XXXX XXXX XXXX  - {$46.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: KS

Complaint narrative:
I disputed several charges totaling over {$1000.00} for fraudulent activity on my account and the company refused to credit me back my money even after providing proper documentation and letting them know my cards and cellphone device was stolen thay i am homeless with XXXX children and its the holiday season. I spoke through chat and over the phone and even asked for the call to be escalated I was mocked and by the employees and not taken seriously. They refused to any sort if resolution besides nit crediting me back my funds for purchases i never authorized. I felt humiliated and am still struggling to provide shelter for my children because my account was drained by whomever chose to steal my belongings and make unauthorized purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
LVNV Funding LLC is reporting multiple collection accounts on my credit reports that are not accurate and not properly verified. 

Specifically, LVNV Funding LLC is reporting XXXX separate collection accounts with balances of approximately {$680.00} ( opened XX/XX/XXXX ), {$680.00} ( opened XX/XX/XXXX ), and {$640.00} ( opened XX/XX/XXXX ). These accounts are inaccurate, may be duplicated, and I do not recognize them as valid debts owed. 

I formally dispute these accounts and have requested full debt validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), including proof of the original creditor, proof of legal ownership, and documentation showing that I am legally obligated to pay. 

Despite the lack of proper validation, LVNV Funding LLC continues to report these accounts to the credit reporting agencies, which is causing harm to my credit profile. 

I am requesting that LVNV Funding LLC either provide proper legal validation for each alleged debt or delete the inaccurate accounts from all credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I earned XXXX XXXX  points on my Chase Freedom Unlimited before XX/XX/year>. 
Chase later changed the redemption structure for Sapphire Reserve but did not clearly disclose that points had to be transferred ( not merely earned ) before that date to retain the XXXX redemption value. 

When I transferred the points after XX/XX/XXXX ( specifically XX/XX/XXXX ), Chase denied the legacy value, resulting in approximately {$1000.00} in lost redemption value. 

I believe this change was inadequately disclosed and misleading, and I am requesting restoration of the legacy redemption value or a compensatory credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
On XX/XX/XXXX i pulled my credit report and noticed an account being reported by a furnisher reporting incomplete or inaccurate information. I have since requested all account documentation including the original contract, the buyer/purchase agreement, all accounting statements, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX  I signed an XXXX home security contract for a onetime installation cost of XXXX  and a monthly monitoring fee of XXXX  with no financing or equipment loan. After installation I paid about XXXX in good faith, believing this covered my installation and first month.\n\nA few days later XXXX emailed me a different document titled Amended and Restated Retail Installment Contract dated XXXX XXXX XXXX. No one clearly explained that this was a new contract with different terms. I reasonably believed it was an administrative duplicate of my original agreement, so I signed it electronically.\n\nI later discovered that this second contract secretly increased the installation cost to XXXX  added XXXX of XXXX  equipment financing over 60 months (about $83.34/month), and raised the monitoring fee to XXXX After that, XXXX  began billing me three or more times per month XXXX  installment, increased monitoring, plus extra XXXX  charges). My bank repeatedly flagged and reversed some of these charges as suspicious.\n\nFrom XXXX XXXX  through XXXX XXXX XXXX attempted abouXXXX XXXX in charges, reversed about XXXX  and ultimately kept XXXX in net paymentsfar more than I should have paid under my originaXXXX XXXX XXXX XXXX agreement. I called many times to dispute the billing. XXXX sometimes reversed charges, which shows they knew there were problems, but they never permanently corrected the account. Instead, they told me I would have to pay about $XXXX to cancel, based on the undisclosed financing in the substituted contract.\n\nOn XXXX XXXX XXXX I sent XXXX Litigation Department a detailed written billingerror and fraudulentcontractsubstitution notice under Regulation Z and the Truth in Lending Act, by certified mail. I asked them to investigate, correct the billing to match my original XXXX XXXX XXXX contract, and explain the account. I have USPS proof thaXXXX XXXX  received this letter. XXXX  did not acknowledge or resolve the dispute as required by law.\n\nIn late XXXXXXXX XXXX or its financing partner placed this disputed balance with Credit Collection Services (CCS). CCS now claims I owe XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has sent me collection letters and texts, and is attempting to collect on the same disputed amount. I am very concerned this inflated and disputed balance is being used for negative credit reporting even though I formally disputed it in writing months ago.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have XXXX credit inquiries on my credit only XXXX was authorized that was XXXX XXXX XXXXXXXX XXXX I sent dispute to Credior and XXXX min after creditor say its verified smh Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( Section 604 ), a credit inquiry may only be made with a permissible purpose. I am unaware of any such permissible purpose authorizing this inquiry. Additionally, pursuant to 15 U.S.C. 1681i ( Section 611 ), I am requesting that you conduct a reasonable investigation into this matter and verify the inquiry directly with the furnisher. If the furnisher can not provide documented proof of authorization ( such as a signed application or permissible-purpose certification ), the inquiry must be deleted immediately. If this inquiry can not be fully verified, please remove it from my credit file and send me an updated copy of my credit report reflecting the correction. This letter also serves as a request under 15 U.S.C. 1681g ( Section 609 ) for disclosure of the method of verification used in your investigation. Please complete your investigation within the time frame required by law and notify me of the results in writing. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: PA

Complaint narrative:
I disputed inaccurate and unverifiable information on my credit report under the Fair Credit Reporting Act. The credit bureau responded that the information was verified, but failed to explain the method of verification or provide documentation. This does not meet FCRA requirements. I am requesting deletion of the unverifiable accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-22 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation