vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: NC

Complaint narrative:
Like others, I was put on forbearance by Mohela almost a year ago due to changing federal policies and uncertainty with the future court decisions on school loans. I was guaranteed on the phone and in writing that the forbearance period would not accrue interest because I am not responsible for the extended wait time, the government is. However, just yesterday, I received a letter in the mail stating I AM accruing interest and the interest so far has added an extra {$2000.00} to my loan balance. This is absolutely absurd. Why should I be punished with extra interest because of something that is out of my hands?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XX/XX/year>, I attempted to send a XXXX payment using my XXXX debit card. The transaction was declined, prompting me to check my checking account. I discovered that my balance was significantly lower than expected. Upon reviewing recent activity, I identified XXXX unauthorized transactions of {$100.00} each labeled XXXX XXXX Balance Ad, all made between XXXX XXXX XXXX 
I have never transferred funds to XXXX XXXX. I immediately contacted XXXX XXXX, who confirmed that no funds were deposited into my XXXX XXXX account. They referred me to XXXX XXXX XXXX the processor of XXXX XXXX transactions, who also verified by providing an official statement showing no transactions on my Apple Cash account during XX/XX/year>. 
Following this, I reported the fraudulent activity to Chase and had my debit card canceled. A claim was initiated. 
On XX/XX/year>, I called Chase for an update and was informed that my claim had been denied. Concerned, I visited my local Chase branch at XXXX XXXX XXXXXXXX XXXX XXXX, and spoke with banker XXXX XXXX. I explained the situation, emphasized my 25-year banking history with Chase, my clean record regarding fraud claims, and the clear pattern of suspicious daily {$100.00} transactions that drained my account until no further charges could be processed. 
XXXX XXXX spoke with the Fraud Department and advised me to obtain documentation from XXXX Dot confirming no activity on my XXXX XXXX account. I promptly secured and emailed the requested statement to XXXX XXXX on XX/XX/year>, and received confirmation of receipt the following day. Despite this, on XX/XX/year>, I received a second denial letter identical to the first, with no explanation considering the new documentation provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: GA

Complaint narrative:
I stayed at XXXX XXXX XXXX hotel XXXX XXXX they held an additional {$270.00} for my room PLUS THE ROOM CHARGE OF $ XXXXThe final cost of my room is {$530.00} yet cashapp is still holding {$800.00} and will not provide me with a legal reason as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have called Experian due to my credit report not updating accurately. Last time it updated was XX/XX/XXXX, it is XX/XX/XXXX. My score is in accurate along with the accounts, credit card usage, and inquires. I was paying for the membership to be able to review all three reports and every time I try it gives me an error message. Again, I have reached out to experian and this issue remains unresolved.

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 2025-06-10 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: MA

Complaint narrative:
I reported more than {$2100.00} in unauthorized debit card transactions to Bank of America on XX/XX/year>. These charges were made using a " virtual card '' version of my debit card. I notified the bank within XXXX hour of receiving an alert I had created for " transaction limits. '' There was a {$710.00} charge being made that I did not authorize. On reviewing my account I discovered smaller unauthorized charges totalling + {$2100.00} and gave these details to Bank of America. 

I was monitoring my account closely after I made the fraud claim. I then saw that Bank of America allowed the {$710.00} charge to clear XXXX days later, * after * I had already reported it as fraud. This raises concerns about their fraud-handling procedures and their compliance with Regulation E. 

The bank denied my claim on XX/XX/XXXX, stating the transactions were authorized. When I called the number provided in the denial notice to ask for the documentation used in their decision, the representative told me they had no such documentation. This suggests the claim was denied without proper investigation, in violation of the bank 's obligations under Regulation E. 

Because all the unauthorized charges were made at XXXX, I was able to submit detailed documentation to Bank of America on XX/XX/year>, showing that none of the disputed charges even appear in my XXXX account transaction, nor were any goods or services received for any purchases matching the fraudulent amounts and dates. 

I received only an automated reply and no substantive response. On XX/XX/XXXX, I communicated with Bank of America XXXX last time via email and via certified registered receipt letter that I wanted them to review my supporting documents and refund the fraudulent charges. I received no responses to either of those communications. 

That letter is attached to 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 monetary relief
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
I am filing this complaint regarding a hard inquiry made without my explicit written consent. I did not submit any credit application to the company listed on my credit report, nor did I provide verbal or written authorization to obtain my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-06-10 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: MI

Complaint narrative:
Incorrect updating of credit reporting of derogatory information. Late pay, ents were deleted from XXXX XXXX account and they changed the report but failed to delete late payments from record. They just shifted the late payment status from one month to another, the entire late pay, ent status should be deleted based on company admission and deletion of late payments. Company also records incorrect balance of account.

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 2025-06-10 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: MI

Complaint narrative:
Incorrect updating of credit reporting of derogatory information. Late pay, ents were deleted from XXXX XXXX account and they changed the report but failed to delete late payments from record. They just shifted the late payment status from one month to another, the entire late pay, ent status should be deleted based on company admission and deletion of late payments. Company also records incorrect balance of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MI

Complaint narrative:
Incorrect updating of credit reporting of derogatory information. Late pay, ents were deleted from XXXX XXXX account and they changed the report but failed to delete late payments from record. They just shifted the late payment status from one month to another, the entire late pay, ent status should be deleted based on company admission and deletion of late payments. Company also records incorrect balance of account.

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 2025-06-10 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: TX

Complaint narrative:
There are hard inquiries listed on my credit report that I did not authorize. I never applied for credit with these companies, nor did I give consent for a credit check. These inquiries were made without a permissible purpose and violate my rights under 15 U.S.C. 1681b.

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 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I was a victim of check fraud. I deposited a check for {$25000.00}, the funds showed as pending that day. The next morning the funds showed as available, the bank made the entire amount of those funds accessible to me that same day and almost the entire {$25000.00} of funds were withdrawn. The next day, the bank reversed the check and credited my account- {$25000.00} after allowing me to withdraw the original {$25000.00} that the bank made accessible to me. a dispute report was opened and an investigation performed which determined that the check issuer initiated a stop payment on the check, after the funds had been withdrawn. 

A police report was opened and a fraud dispute was opened with the bank. The investigation took over 5 months, the bank refuses to provide any details regarding the findings of their investigation and claims that I am still liable for the amount that was credited to the account placing me in a deficit of almost {$25000.00}. 

I have escalated the issue and the bank completed another investigation which was also inconclusive and did not provide any kind of resolution to the issue. 

I am actively pursuing litigation and am submitting complaints with as many consumer protection bureau 's as possible. 

I have asked numerous bank representatives for contact information of where to send legal notice to and they refuse to provide such information to actively avoid accountability and acceptance of service.

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 2025-06-10 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: NV

Complaint narrative:
TO : EXPERIAN ( ATTENTION FRAUD DEPARTMENT ) XXXX XXXX XXXX XXXX, TX XXXX I, XXXX XXXX XXXX I'm a victim of identity theft including but not limited to the 2017 XXXX data breach and XXXX XXXXXXXX XXXX breachXXXX XXXX XXXXXXXX XXXX XXXX is in violation of FACTA and FCRA including section 605b, 605B ( c ), 611 ( a ) ( 1 ) ( A ) and 15 U.S.C. section 1681c-2 willful non-compliance and stall tactics in identity theft matters. There are fraudulent and unauthorized accounts on my EXPERIAN consumer credit report that I have tried numerous times to have removed by showing proof of identity theft but these items remain on my profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : INQUIRIES : XXXX XXXX XXXXXXXX Date : 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 explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
It is unacceptable that public records appear on my credit report. This is causing me significant XXXX, and I urgently request that they be removed without delay.

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 2025-06-10 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  XXXX XX/XX/XXXX with a balance of {$810.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX / XXXX Email : XXXX Date : XX/XX/year> ChexSystems XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Subject : Formal Dispute of Consumer Report ChexSystems ID XXXX  XXXX To Whom It May Concern : I am writing to formally dispute inaccurate and outdated information appearing in my ChexSystems consumer report under Consumer ID XXXX  XXXX. 

Upon a recent review of my report, I identified the following serious concerns : XXXX. Fraudulent Accounts : My personal information has been used without my knowledge or consent to open accounts with XXXX XXXX XXXX  and XXXX. I did not authorize or initiate these accounts. I have reason to believe that I am a victim of identity theft or other fraudulent activity. I am requesting the immediate removal of these accounts from my ChexSystems report and ask that an investigation be conducted into this matter. 


XXXX. Outdated Negative Information : There are derogatory items listed on my report that are more than XXXX years old. Under the Fair Credit Reporting Act ( FCRA ), negative banking information can not be reported for more than XXXX years. Therefore, I am requesting the deletion of all such outdated items that fall outside of the legally allowed reporting period.

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 2025-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Nothing no investigation no response they closed my account and kept the rest of my money after identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I checked my credit report on XXXX XXXX and I noticed that a creditor that I don't have a verbal agreement or signed contract with, XXXX XXXX XXXX, has placed an unknown account for collection. I've never agreed verbally or I've never signed a contract to be in a payment plan with them. I dispute this information. I don't know who they are. I want them to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized 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 response to consumer: Closed with explanation