vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
As a result of a recent data breach, my credit file now shows fraudulent accounts. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting their removal within 4 days : 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 XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts 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 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 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 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 XXXXXX/XX/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 2025-05-30 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: TX

Complaint narrative:
As a result of a recent data breach, my credit file now shows fraudulent accounts. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting their removal within 4 days : 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 XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts 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 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
I am filing this complaint against two furnishersXXXX XXXX XXXX  ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., relating to the inaccurate and misleading reporting of payment history on my consumer credit reports. 

XXXX XXXX XXXXXXXX has been reporting this account, opened on XX/XX/XXXX with a high balance of {$12000.00}, as delinquent with repeated late payment notations. These delinquencies continue to appear on my credit profile despite the fact that I have submitted prior disputes and have requested a reinvestigation under FCRA 1681i. The furnisher and credit reporting agencies have failed to provide adequate validation or the method of verification, nor have they corrected or deleted the information in compliance with their statutory obligations under FCRA 1681s-2. 

XXXX, listed as opened on XX/XX/XXXX with a high balance of {$7900.00}, is similarly reported with multiple late payments. I have reason to believe the reporting is inaccurate and possibly outdated or duplicated from an earlier obligation. Again, I have made a good-faith effort to resolve this directly and through dispute processes with the bureaus, to no avail. The failure to conduct a reasonable investigation, notify me of results, and provide supporting documentation represents a willful or negligent noncompliance under FCRA 1681n and 1681o. 

Additionally, the continued reporting of derogatory information, especially after legitimate dispute, represents a failure to maintain maximum possible accuracy as mandated under FCRA 1681e ( b ). These entries have materially affected my credit standing and have caused me actual harm in the form of credit denials and emotional distress. 

Requested Action : Immediate reinvestigation of both accounts.

Full deletion of any unverifiable or inaccurate derogatory information.

A written summary detailing the results of all investigations, including the name and contact information of each furnisher and the method of verification used.

Regulatory enforcement actions against the furnishers for their noncompliance. 

I am enclosing dispute documentation, credit reports reflecting the inaccuracies, and correspondence with the furnishers and CRAs.

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 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, my mother send money to my XXXX account to try and rent a car for us since we were moving. Since I wasn't able to use my XXXX card at the rental car dealer, she let me keep the money and told me to just use it so we could buy food and other stuff. On XX/XX/XXXX, her Chase bank account was compromised and they set up a charge back on the money she sent me, she never received the refund from Chase and now my XXXX is in the negative and constantly taking money whenever I receive anything. I don't even have a job right now, so I'm in debt with XXXX over a charge back that neither of us authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I made an over payment and requested a refund on my BofA credit card. My XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX statement shows a balance of XXXX with XXXX due. 
My next statement XX/XX/XXXX to XX/XX/XXXX DUE XX/XX/XXXX. Shows a balance of XXXX with a LATE fee of XXXX dollars! 

Now I be already made the payment due XX/XX/XXXX and my previous statement says XXXX due, yet the declined a charge today because of past due amount! How can I be expected to pay something when my statement says XXXX due? I've complained to them three times about this and even reported it to the XXXX and they are still refusing to fix it. 

I have been a customer of theirs for XXXX years. Have never missed a payment and have a credit score over XXXX! It's a disgrace to be treated this way when they owed me money!

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute a charge-off account currently being reported on my TransUnion credit report by XXXX XXXX XXXX XXXX XXXX listed under account number XXXXXXXX XXXX XXXX XXXX XXXX with a reported charge-off date of XX/XX/year> and a balance of {$38000.00}. This entry is inaccurate, incomplete, and damaging, and it should not be appearing on my credit file. I was never provided with proper notice, any opportunity for resolution, or adequate documentation to validate this debt before it was reported and charged off. This lack of transparency and communication from XXXX XXXX is not just frustratingits legally and ethically unacceptable. 

The inclusion of this unverified charge-off has caused me significant harm both financially and emotionally. My credit standing has suffered, and the stress of trying to understand where this account even came from is overwhelming. I believe the presence of this account may be related to errors stemming from a broader data integrity issue or even a data breach, especially considering the ongoing reports and widespread consumer complaints about inaccurate credit reporting by XXXX XXXX XXXX XXXX. Many consumers, like myself, have expressed to the CFPB and other agencies that XXXX XXXX fails to respond to disputes appropriately, fails to verify information properly, and frequently furnishes incomplete or incorrect account data. 

According to my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i, TransUnion is legally obligated to conduct a full and reasonable reinvestigation of any disputed item on my report within 30 days. If the information provided by XXXX XXXX can not be verified with original documentation and a full account history, then per 15 U.S.C. 1681e ( b ), TransUnion must promptly correct or remove this account to maintain accuracy. At this point, the burden of proof is on the credit bureau and the furnisher, and if they can not produce valid documentation to justify the entry, this account must be deleted.

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 2025-05-31 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: NJ

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
capital one has been changing our payment agreement of {$25.00} for the last two months they keep saying i owe {$100.00} for a payment XXXX month longer will take my payment of {$25.00} now they say my minimum payment is {$100.00} and you will not let memake any payment every time i go to capital one website or talk to him on the phone they keep saying i'm month behind i tell them i have bank records what shows capital one has taken the money out of my bank account they act like i XXXX to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
Due to exposure of my personal data during a breach, fraudulent accounts now appear on my credit report. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and deletion within 4 days : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: OH

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Capital One closed my credit card account without warning, revoked {$140.00} in earned rewards, and refused to refund the {$95.00} annual fee charged just three months ago. 

Details : Ive had this card for over two years and have maintained an excellent credit profile throughout, having an XXXX XXXX  score. My payment history is spotless, my utilization has consistently stayed below 10 %, and last month it was as low as 2.3 %. I used the card earlier the same day it was closed, which was today XX/XX/year>, with no problems. 

Without any warning, notice, or valid explanation, Capital One abruptly closed the account. When I contacted customer service, I was given no specific reason and was informed that my {$140.00} in accumulated rewards would not be returned. Additionally, they charged me a {$95.00} annual fee just three months prior to closure and now refuse to refund that fee despite terminating the service prematurely. 

This action feels completely unjustified given my standing as a responsible cardholder. I am requesting either : The account be reinstated in full, or A refund of the {$140.00} in earned rewards and the {$95.00} annual fee. 

I hope Capital One will do the right thing and make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: NV

Complaint narrative:
Excessively charging me fees to withdraw money at a fee free arm. Also cancelled card without knowledge than charged a fee for it.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union reported a false " fund transfer fraud '' designation to XXXX XXXX XXXX XXXX XXXX  ) under account number XXXX. I obtained my XXXX report and discovered this damaging and inaccurate entry, which I dispute entirely. I was never notified of this reporting or provided an opportunity to address the allegation. This has negatively impacted my ability to open financial accounts and harmed my reputation. 
I submitted formal dispute letters to both Navy Federal and XXXX XXXX XXXX and requested evidence to substantiate the fraud claim. As of this filing, I have not received documentation that supports the reporting, nor any indication that a proper reinvestigation has been completed. 
I believe Navy Federal is in violation of the Fair Credit Reporting Act ( FCRA ), particularly sections 1681s-2 ( a ) and ( b ), by furnishing inaccurate information and failing to conduct a reasonable reinvestigation. This may also constitute a violation of the Consumer Financial Protection Act ( UDAAP ) and defamation under state law.

I am requesting that the CFPB require Navy Federal to : Fully investigate and verify or remove the fraud designation from my XXXX report, Provide all documentation used in making the determination, Notify me in writing of their findings and corrective actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: W&A Intermediate Co., LLC
State: IN

Complaint narrative:
Requested copies of any documents or contracts that verify I am legally obligated to pay this debt bearing my wet signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
Due to identity theft resulting from a data breach, fraudulent accounts have impacted my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these items within 4 days : 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 XXXX : XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} Inquiries XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/2025, I placed an order on XXXX for two " 32 Pair Plastic Stackable Shoe Storage Cabinets '' totaling {$440.00}, and paid using my XXXX XXXX XXXX issued by Comenity Bank. The shipping carrier ( XXXX ) marked the order as delivered on XX/XX/2025, at XXXX XXXX, with a delivery photo showing the package left in front of a garage. 

However, I live in a multi-family home, and the garage belongs to the first-floor tenant. I reside on the XXXX XXXX, and the package was not delivered to my unit or my designated delivery location. I immediately checked with neighbors and confirmed that no one received the package. 

I contacted XXXX several times starting XX/XX/2025, with photos showing the delivery location did not match my residence. Despite this, XXXX refused to take responsibility or issue a refund, stating that their obligation ends upon carrier delivery confirmation. I also contacted XXXX, who informed me that it was too late for them to open a case and advised that the merchant ( XXXX ) should contact them for resolution or reimbursement. 

Since I received neither the product nor a refund, I filed a billing dispute with my credit card company ( Comenity Bank ). They have requested more documentation, which I have submitted. However, I believe this case is an example of unfair merchant policy and refusal to investigate a delivery dispute in good faith. 

I am requesting the CFPBs assistance in ensuring I receive a full refund for undelivered goods.

Company response to consumer: Closed with monetary relief