vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  XXXX XXXX ( BOA ) is informant of any information that has been conveyed to the credit bureau or myself. I only have very limited information on this matter that I received a statement from XXXX  XXXX XXXX of some charges that I did not recognize that was within the last year or so and I talked to the stolen card department and I inquired about those charges. Then I gave a recorded statement that I had never applied for that card nor did I receive that card so there was no theft perse. XXXX  XXXX XXXX took my statement, months went by and I didn't hear anything from them, until I received a billing statement again, there I contacted XXXX  XXXX XXXX and spoke to an agent. Their representative informed me that the statement was generated before the dispute or before it was processed. The agent further advised me to ignore it as the matter was taken care of. That made me understand that they had resolved the claim as I had remembered an incident before where I had filed a dispute where me calling in was may more than enough as I have been with XXXX  XXXX XXXX for over XXXX  years and have never encountered anything similar. I have less information about this case than XXXX  XXXX XXXX would have. My banking with XXXX  XXXX XXXX has been limited. They will be in a better place to inform you of the details. I never received the card, I never applied for the card, months went by and I never heard back from XXXX  XXXX XXXX. 
XXXX  XXXX XXXX never advised me of an ID theft. They never advised me to do anything differently. They never told me that any further action is necessary, they are the ones that told me to ignore. Furthermore, every single time that you call XXXX  XXXX XXXX, it was told to me that all calls are monitored and recorded. I did what I thought whatever was needed on my end and I ended up doing it. I have enough funds on cumulative funds in XXXX  XXXX XXXX and there is overdraft protection, if they needed any funds, they could have sent me an alert or informed me over the app or send me a request to withdraw funds from another account to cover the balance as they are all connected to each other. From my end, my understanding was complete based on my telephonic interactions with XXXX  XXXX XXXX, that the dispute has been filed and the card has been closed, and I was not told to do anything differently so therefore I did not. 
I have no information of what XXXX  XXXX XXXX has informed you, I do not have any further information on this matter. I have filed a report with FTC and the police ( Case # 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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  XXXX XXXX ( XXXX  ) is informant of any information that has been conveyed to the credit bureau or myself. I only have very limited information on this matter that I received a statement from XXXX  XXXX XXXX of some charges that I did not recognize that was within the last year or so and I talked to the stolen card department and I inquired about those charges. Then I gave a recorded statement that I had never applied for that card nor did I receive that card so there was no theft perse. XXXX  XXXX XXXX took my statement, months went by and I didn't hear anything from them, until I received a billing statement again, there I contacted XXXX  XXXX XXXX and spoke to an agent. Their representative informed me that the statement was generated before the dispute or before it was processed. The agent further advised me to ignore it as the matter was taken care of. That made me understand that they had resolved the claim as I had remembered an incident before where I had filed a dispute where me calling in was may more than enough as I have been with XXXX  XXXX XXXX for over XXXX  years and have never encountered anything similar. I have less information about this case than XXXX  XXXX XXXX would have. My banking with XXXX  XXXX XXXX has been limited. They will be in a better place to inform you of the details. I never received the card, I never applied for the card, months went by and I never heard back from XXXX  XXXX XXXX. 
XXXX  XXXX XXXX never advised me of an ID theft. They never advised me to do anything differently. They never told me that any further action is necessary, they are the ones that told me to ignore. Furthermore, every single time that you call XXXX  XXXX XXXX, it was told to me that all calls are monitored and recorded. I did what I thought whatever was needed on my end and I ended up doing it. I have enough funds on cumulative funds in XXXX  XXXX XXXX and there is overdraft protection, if they needed any funds, they could have sent me an alert or informed me over the app or send me a request to withdraw funds from another account to cover the balance as they are all connected to each other. From my end, my understanding was complete based on my telephonic interactions with XXXX  XXXX XXXX, that the dispute has been filed and the card has been closed, and I was not told to do anything differently so therefore I did not. 
I have no information of what XXXX  XXXX XXXX has informed you, I do not have any further information on this matter. I have filed a report with FTC and the police ( Case # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I never authorized its creation or use. I have included the supporting documents with this request to validate my claim.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to formally dispute the inaccurate late payment reporting associated with the XXXX account ending in XXXX currently appearing on my TransUnion credit report. 
According to your records, this account has been reported as Late XXXX  Days continuously from XX/XX/XXXX through XX/XX/XXXX, reflecting a balance owed of {$34000.00}. This negative reporting does not align with my payment history or account status. I have maintained this account responsibly and have not received notifications supporting these delinquency claims. The payment history reported to TransUnion is inaccurate, outdated, and unfairly damaging my creditworthiness. The persistent XXXX late status for this account has significantly harmed my credit scXXXX and does not reflect my actual payment behavior. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ), TransUnion is required to maintain maximum possible accuracy of the information reported. Additionally, under 611, I am entitled to a full reinvestigation of any disputed information to ensure it is complete and accurate. 
I respectfully request that TransUnion promptly reinvestigate this account and contact the furnisher, XXXX, to provide proper documentation substantiating these reported late payments. 
If the furnisher can not provide adequate verification, the inaccurate information must be corrected from my credit file under FCRA 1681i ( a ) ( 5 ).

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 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The bank has frozen my account.

I've called a couple of times, and each time answered all their questions, however the account still remains frozen.

I'm unable to pay bills with it, and it's causing tremendous damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-08 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: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
COMPLAINT ID : XXXX I need to include attachments as proof from the other bank, XXXX 

Despite multiple XXXX XXXX transfer requests submitted by XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, XXXX has yet to process or acknowledge them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: KY

Complaint narrative:
b'I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act (FCRA), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing.\n\nThe following accounts are in dispute:XXXXXXXX XXXX XXXX U.S. Bankruptcy Court Docket Identifier: XXXX\nBankruptcy Chapter U.S. Bankruptcy Court Docket Identifier:XXXX XXXX \XXXX XXXX\XXXX XXXX XXXX XXXX XXXX XXXX Balance:$XXXX'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
Im not sure of the dates but i do know that i had my employment checks deposited every two weeks into my account and it was time for me to pay my rent so that me and my family would continue to have somewhere to call home.When i went to check my account my money was not there.I called the bank and let them know they asked me did it give someone else my card and i told them NO that i only had one card that they gave me when i first opened the account and i then let them know that the card was with me at all times.Then it was told to me that my money was remove from my account at a ATM that i have never been to and i ask them for help to get my money back PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-09-08 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: MS

Complaint narrative:
The closed accounts on my report do not belong to me, please see the letter attached with the following accounts : XXXX, XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I state that the late payment remarks reported on my accounts are inaccurate and constitute a violation of 15 USC 1666. I have consistently made timely payments, and these reporting errors are both unjust and unlawful.

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 2025-09-08 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: GA

Complaint narrative:
I am submitting my formal attempt to address persistent inaccuracies on my credit report, some of which appear to be the result of identity theft. Although I have previously disputed these matters multiple times, the accounts in question remain reported with errors, unverifiable details, or have not been properly corrected. As such, I am compelled to escalate this matter further and submit this dispute pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. I respectfully demand a thorough, good-faith reinvestigation including a complete review of any items attributable to identity theft to ensure full compliance with federal reporting requirements and the correction or removal of all inaccurate entries. 
The following accounts are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00}

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX Attn : Consumer Center XXXX XXXX XXXXXXXX XXXX, GA XXXX Subject : Request for Deletion/Reinvestigation of Bankruptcy Record XX/XX/XXXX Dear XXXX XXXX Department, I am writing to formally dispute the accuracy and legality of the bankruptcy record being reported under my personal file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and other applicable laws.

The following item is being reported inaccurately and/or without proper verification : Public Record Type : Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Date : XX/XX/XXXX My Dispute Basis : Lack of Direct Verification : The FCRA requires that all information in my consumer file be verified with the original source. Bankruptcies are not reported directly to you by the court ; instead, you obtain this data from third-party vendors or through electronic scraping, which is not a verified source.

No Consumer Reporting Authorization : The U.S. Bankruptcy Court does not report bankruptcies to XXXX or any credit reporting agency, nor do they authorize you to collect and disseminate this information. 

Potential Violation of FCRA 607 ( b ) : You are required to maintain reasonable procedures to assure maximum possible accuracy. Without direct court verification and a documented chain of custody for the information, the accuracy and completeness can not be guaranteed.

Violation of FCRA 611 : If you can not obtain original source documentation with my signature or court validation proving the completeness and accuracy, you are obligated to delete the record. 

My Demand : Pursuant to the above laws, I am demanding the following : A complete reinvestigation of this bankruptcy record within 30 days of receipt of this letter. 

Written proof of the method of verification, including the name and contact information of the person or agency who verified the data directly with the court. 

If you can not provide direct verification from the original source, you must delete this bankruptcy record from your system and send me an updated copy of my file reflecting the deletion.

Please note that failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
am disputing Regions Banks assessment of overdraft fees that vastly exceed my actual negative balance, and Im requesting a refund and policy clarification. Between XX/XX/XXXX and XX/XX/XXXX, Regions assessed {$430.00} in overdraft fees on only {$190.00} in actual overdrafts, with another {$36.00} pending. Fees posted on XX/XX/XXXX ( {$100.00} ), XXXX ( {$72.00} ), XXXX ( {$100.00} ), XXXX ( {$100.00} ), and XXXX ( {$36.00} ), despite my prompt efforts to restore a positive balance. Regions own disclosures state overdraft fees are {$36.00} per item, capped at XXXX per day, and that an Overdraft Grace program XXXX allow customers to avoid fees ; yet fees accrued across multiple days out of proportion to the negative balance and without clear notice or consistent application of grace/waiver policies. This practice is unfair/abusive under the Consumer Financial Protection Acts UDAAP standards ( 12 U.S.C. 5531 ( c ) ( d ) ; 5536 ), and inconsistent with Regulation E duties on overdraft services and error resolution ( 12 C.F.R. 1005.17, 1005.11 ). Notably, in XXXX XXXX the CFPB ordered Regions to pay $ XXXX for illegal surprise overdraft fees, identifying the bank as a repeat offender. Courts have likewise scrutinized overdraft programs that generate excessive fees through sequencing and opaque disclosures ( e.g., In re Checking Account Overdraft Litigation, 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 explanation
Consumer complaint received 2025-09-08 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I got the chase sapphire preferred credit card because of the introductory offer they had which included having to pay {$5000.00} in 3 months. I used it last week to get groceries and food on XX/XX/2025 and the transactions went through. I got a fraud alert and one transaction declined but after I confirmed it was real they let the second time I tried go through. This week on XX/XX/2025 I used it to buy a coffee and it went through but when I used it for bigger purchases it declined and I did not receive any sort of fraud alert confirmation text like I did the first time. I had to use a different card both times. I called after the first store declined my card and the representative told me he cleared my card and I was free to make additional purchases. When I went to the next store however, my card declined. It is so frustrating to have my first interaction with Chase be this negative and have them give me misinformation. I called again to see if they could do something about my card declining and therefore not being able to contribute {$420.00} to the {$5000.00} spend needed and was told nothing could be done. This is really disappointing and they should be held accountable since the first representative explicitly told me on the phone thay my card would be able to go through with the next transaction.

Company response to consumer: Closed with explanation