vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Thursday, XX/XX/year>, Bank of America unexpectedly decided to close my checking and savings accounts without any apparent reason other than the clause in our account opening agreement stating that the bank could terminate our relationship at their discretion. This closure without notice caught me by surprise, complicating my ability to pay rent, buy food, and cover other pending expenses. Additionally, they issued a check to an old address that I no longer have access to, meaning I can not access the sent check either. 
I requested that they cancel the check and send it to my new address. The XXXX customer service representative I spoke with assured me that this could be done without issues, but then transferred me to another department. The second department informed me that this was not possible and advised me to contact my local postal service ( of which there are several ). They refused to provide me with information about the specific postal company, claiming they did not have it. They stated my only solution was to wait XXXX  days for the original check to expire before a new one could be issued. This is not an option for me, as the banks actions are directly impacting me, making me the sole party affected by my inability to meet my financial obligations. I urgently require your assistance and a prompt resolution.

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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
Hello. 

I previously filed a complaint with Ally bank. 

Everything has been recorded under XXXX The situation was supposed to be complete in granting me a {$100.00} welcome bonus. This was supposed to be paid out on XX/XX/XXXX. 

This has not been applied to my account. 

I reached out today and they said I did not qualify. In our previous case they said I would be paid out. 

Please help me get this situated. I was only paid a {$50.00} promotion separately for referring a friend.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : XXXX XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : XXXX XXXX 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 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which I believe violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective action to prevent and address fraud on their platform. This left my account vulnerable and unprotected. Furthermore, their dispute resolution process was both unfair and deceptive. They did not comply with proper error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. As a result, I experienced significant inconvenience and financial loss. I am seeking appropriate redress for these issues and request an investigation into Cash Apps practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
While opening an account at XXXX XXXX XXXX ( XXXX ), we noticed that someone from XXXX was involved in the review of private information and the personal documents. 
Our lawyers reached out to XXXX Santander XXXX to try to remediate this violation but XXXX Santander XXXX denied the accusation. However, there is plenty of evidence that XXXX Santander XXXX ( XXXX ) violated XXXX XXXX  secrecy laws by sharing confidential information to individuals that work for Santander Group outside the XXXX XXXX Please see attached emails. The undersigned claims that XXXX XXXX XXXX shared personal information about the undersigned and other XXXX  persons with XXXX XXXX XXXX who according to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) is not a XXXX XXXX  XXXX subject to supervision of the US regulatory authorities.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the law 15 USC 1681c-2 it is illegal to report anything on my credit report without my knowledge. Please remove this inaccurate account off of my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX  Account number : XXXXXXXX XXXX Account number : XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX -XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXnquired on XX/XX/XXXX -XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
These inquiries do not align with any actions Ive taken and may have been made without my consent. I request your urgent attention in resolving this matter. Relevant documents are attached.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding an account reported by [ Creditor Name ] that includes inaccurate late payments. 

I disputed this with the credit bureau ( s ), but the item was verified without any documented proof from the furnisher. No billing statements, payment history, or evidence of delinquency was provided. This violates FCRA 1681i, which requires complete and verifiable information. 

I am requesting the removal of this inaccurate information from all consumer reports. This late payment is damaging my credit unfairly, and the creditor has failed to meet the legal burden of proof. 

I am asking the CFPB to intervene and ensure this account is either verified with documentation or permanently deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding an account reported by [ Creditor Name ] that includes inaccurate late payments. 

I disputed this with the credit bureau ( s ), but the item was verified without any documented proof from the furnisher. No billing statements, payment history, or evidence of delinquency was provided. This violates FCRA 1681i, which requires complete and verifiable information. 

I am requesting the removal of this inaccurate information from all consumer reports. This late payment is damaging my credit unfairly, and the creditor has failed to meet the legal burden of proof. 

I am asking the CFPB to intervene and ensure this account is either verified with documentation or permanently deleted from my credit report.

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 2025-07-21 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A man purporting to be a representative for XXXX XXXX emptied my bank account from XXXX, XXXX. It was not authorized, clearly fraud, and Wells Fargo, after initially putting the money back in my account, then extracted the money with NO notice to me. When I questioned them about it, they said they had mailed me a letter explaining why. A week later, I still have not received that letter, and when I called them, they explained the case was declined because there was no evidence of fraud. No evidence? A guy claims to be with XXXX, literally empties my bank account without my knowledge. Then the bank took the money from me again. I am sixty-seven years old, living on social security XXXX and I feel like I've been victimized twice. It's not only wrong for business sake, but I believe it's elder abuse. The fraud occurred on XX/XX/year>. The amounts taken out were {$0.00}, {$400.00}, {$210.00}, {$17.00}.

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 explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I financed a {$63000.00} solar system at my home through GoodLeap in XX/XX/year>. The installer ( XXXX XXXX XXXX, or XXXX ) promised the system would reduce my power bill to under $ XXXX. That never happened I pay $ XXXX per month to XXXX XXXX and $ XXXX per month to GoodLeap, which is more than before I had solar. 

Additionally, my roof has leaked continuously since installation, and the installer went out of business, making all warranties void. 

I spoke with a GoodLeap representative who acknowledged XXXX is defunct and said theres nothing they can do. This contradicts their obligations under the FTC Holder Rule, which states loan servicers are responsible when the product or service fails. 

I am requesting GoodLeap immediately suspend payments, remove me from autopay, and conduct a full investigation and resolution ( loan discharge or repair refund ). A class action lawsuit has been filed against XXXX and XXXX for these exact patterns of fraud and installation failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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

1681c-2 ) that you, the Equifax Information Services , 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 Address : XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$55.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
I sent a money transfer through Western Union, but it was picked up by someone else. I never shared the tracking number ( MTCN ) with anyone. When I contacted Western Union, they told me the money was picked up, but refused to help or provide details. I filed a fraud report ( Case # XXXX ), but no one has responded to my follow-up. Ive contacted them many times by phone and chat. Their agents refused to give their names or escalate my case. I believe someone picked up the money fraudulently and Western Union is avoiding responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

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 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
All other credit bureau 's recognize me and I have a XXXX XXXX with them except Transunion. I called and they are no help! I tried to log in and create an account and it still won't recognize me. I used the last XXXX of my social security as requested but wouldn't work so it asked for my whole social security and gave me a generic error code. I have called in, been transfered and even asked to speak with a XXXX butno XXXX will help. This has been going on fo a couple years and it's now effecting every aspect of my life including me XXXX XXXX and getting credit!

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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 Services, 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 Address : XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$55.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/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