vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I already have an open complaint about this Bank of America card.

1 ) I still have never received a physical card.

2 ) Even though my email address is updated, I still do not get notice when I have a new statement.

3 ) The process to link an external account has proven faulty so I have to actually call in anytime I want to make a payment rather than set it up online like I have for over a decade with every other credit card company.

Furthermore, I received a voicemail from someone working on my previous complaint. I returned the call and left messages twice and I still have not heard back.

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 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted Claim Reference Number XXXX after discovering XXXX unauthorized transactions on my debit card totaling {$690.00}. The fraudulent activity began on XX/XX/XXXX with a charge listed as PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and continued through XX/XX/XXXX, including multiple unauthorized charges on the final date. Despite my prompt report, the funds have never been refunded. 

Claim Reference Number : XXXX Total Fraud Amount : {$690.00} Claim Submitted : XX/XX/XXXX Fraud Period : XX/XX/XXXX XX/XX/XXXX Summary : On XX/XX/XXXX, I reported XXXX unauthorized transactions on my debit card totaling {$690.00}. The first occurred on XX/XX/XXXX ( PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and the fraudulent activity continued through XX/XX/XXXX, with multiple charges on that date. Despite timely reporting, the funds have not been refunded. In the claim they added some random charges from a similar account which nullified all the other transactions within the claim. The First XXXX transactions in the amount of {$11.00} at XXXX XXXX XXXX XXXX XXXXXXXX XXXX should not have been included in the claim. 

Fraudulent Transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Against EXPERIAN for Violation of FCRA Section 611 ( a ) ( XXXX ) ( B ) Dear CFPB, I am writing to file a formal complaint against XXXX XXXX # XXXX EXPERIAN for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ). 
I previously disputed an account on my credit report, which was found to be inaccurate and subsequently removed. However, this account has been reinserted into my credit report without any notification from EXPERIAN within the required XXXX business days. 
This action is in direct violation of FCRA Section 611 ( a ) ( XXXX ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. 
I have already contacted EXPERIAN regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that EXPERIAN complies with FCRA regulations and corrects this issue immediately. 
Attached are copies of all relevant correspondence, including my initial dispute letter, confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 
Sincerely, 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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Bank errors in billing and reporting are negatively impacting my credit. Under the Truth in Lending Act ( TILA ), 15 U.S. Code 1666 ( b ), creditors are required to accurately record all payments and credits. However, there are several violations in my case : payments I made were not properly recorded, calculation errors are present in the reported amounts, and I was not provided the required 21-day notice prior to a payment due date. As a result, any late payment reporting is invalid.

These inaccuracies constitute clear violations of federal law and have caused unjust harm to my credit standing.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  ] Account Number : [ 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 2025-08-12 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: Westlake Services, LLC
State: GA

Complaint narrative:
Identify theft and companies can not prove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
I have never held these accounts ; remove them in 15 days as per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I went into my account and saw that I had been charged service fees on my account without my knowledge., and fees had been deducted since XXXX of XXXX in the amount of {$25.00} monthly. I called customer service and was informed they could only return 2 months worth of fee. Of course I was not satisfied, and on Monday, XXXX, XXXX I visited one of the Bank of America branches. 
I spoke to a Senior Banker by the name of XXXX XXXX and got nowhere. He informed me that someone by the name of XXXX XXXX no last name given ) had called me in XX/XX/XXXX. I never received a call from her or anyone else from the bank I also did not received a notice in writing that stated beginning in XX/XX/XXXX a service charge would be collected monthly from my checking account. The following was deducted monthly : XX/XX/XXXX - {$25.00}, XX/XX/XXXX - XXXX, XXXX - {$25.00}, XX/XX/XXXX - {$25.00}, XX/XX/XXXX - {$25.00}, XX/XX/XXXX - {$25.00}, XXXX - {$25.00}, XX/XX/XXXX - {$25.00}, XX/XX/XXXX - {$25.00}, XX/XX/XXXX. {$25.00} XXXX {$25.00}, XXXX {$25.00}, XX/XX/XXXX - {$25.00}, XXXX {$25.00}, XX/XX/XXXX - {$25.00}. Why would anyone donate {$370.00} to Bank of America?

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 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Spoken with collection agency portfolio recovery, in process of dispute. They represent XXXX XXXX XXXX, I have never autorized anyone to open any account under my name. Please delete this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
I am disputing the reporting of the following account on my credit file : XXXX XXXX. 

I recently disputed this account with XXXX  via the CFPB portal. XXXX  completed its investigation and confirmed in writing that the account is not currently reporting on the XXXX  credit file. A copy of XXXX dispute results is attached as proof ( Exhibit A ). 

Despite this, the account is still reporting on my TransUnion credit file as a charge-off. A current credit report screenshot is attached showing it is still being reported ( Exhibit B ). 

Under the Fair Credit Reporting Act ( FCRA ), all credit bureaus must ensure that information reported is accurate and verifiable. Since XXXX  has removed this account after its investigation, it is inaccurate and inconsistent for TransUnion to continue reporting 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 2025-08-12 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: WA

Complaint narrative:
I am filing a complaint against XXXX XXXX regarding XXXX fraudulent credit accounts that were opened in my name without my authorization. Upon discovering the accounts, I reported the matter to the Federal Trade Commission and submitted an official FTC Identity Theft Report, along with proof of my identity, to XXXX XXXX in full cooperation with their investigation. 

Despite this, XXXX XXXX refused to remove the accounts from my credit report. They informed me that they did not care about the identity theft report and claimed their internal investigation determined the accounts were mine. They also refused to close the accounts or remove them from my credit file. 

In an effort to protect my credit score, I reluctantly agreed to pay the balances in fulldespite the fact that these accounts were not minebased on the understanding that the accounts would be removed from my credit report once paid. After paying both balances in full, XXXX XXXX failed to remove the accounts and continues to report them on my credit file. 

These accounts were never opened or authorized by me. I have provided all requested documentation and fully cooperated with XXXX XXXX, yet they refuse to take corrective action. I am requesting that XXXX XXXX immediately close both accounts and remove all related reporting from my credit history.

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 2025-08-12 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: WA

Complaint narrative:
I am filing a complaint against XXXX XXXX regarding XXXX fraudulent credit accounts that were opened in my name without my authorization. Upon discovering the accounts, I reported the matter to the Federal Trade Commission and submitted an official FTC Identity Theft Report, along with proof of my identity, to XXXX XXXX in full cooperation with their investigation. 

Despite this, XXXX XXXX refused to remove the accounts from my credit report. They informed me that they did not care about the identity theft report and claimed their internal investigation determined the accounts were mine. They also refused to close the accounts or remove them from my credit file. 

In an effort to protect my credit score, I reluctantly agreed to pay the balances in fulldespite the fact that these accounts were not minebased on the understanding that the accounts would be removed from my credit report once paid. After paying both balances in full, XXXX XXXX failed to remove the accounts and continues to report them on my credit file. 

These accounts were never opened or authorized by me. I have provided all requested documentation and fully cooperated with XXXX XXXX, yet they refuse to take corrective action. I am requesting that XXXX XXXX immediately close both accounts and remove all related reporting from my credit history.

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 2025-08-12 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: WA

Complaint narrative:
I am filing a complaint against XXXX XXXX regarding XXXX fraudulent credit accounts that were opened in my name without my authorization. Upon discovering the accounts, I reported the matter to the Federal Trade Commission and submitted an official FTC Identity Theft Report, along with proof of my identity, to XXXX XXXX in full cooperation with their investigation. 

Despite this, XXXX XXXX refused to remove the accounts from my credit report. They informed me that they did not care about the identity theft report and claimed their internal investigation determined the accounts were mine. They also refused to close the accounts or remove them from my credit file. 

In an effort to protect my credit score, I reluctantly agreed to pay the balances in fulldespite the fact that these accounts were not minebased on the understanding that the accounts would be removed from my credit report once paid. After paying both balances in full, XXXX XXXX failed to remove the accounts and continues to report them on my credit file. 

These accounts were never opened or authorized by me. I have provided all requested documentation and fully cooperated with XXXX XXXX, yet they refuse to take corrective action. I am requesting that XXXX XXXX immediately close both accounts and remove all related reporting from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: OneMain Finance Corporation
State: AZ

Complaint narrative:
Company has dinged my credit multiple times changing the status from charged off to open, changed the payment history etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Against TRANSUNION for Violation of FCRA Section 611 ( a ) ( 5 ) ( B ) Dear CFPB, I am writing to file a formal complaint against TRANSUNION for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ). 
I previously disputed an account XXXX XXXX XXXX # XXXX on my credit report, which was found to be inaccurate and subsequently removed. However, this account has been reinserted into my credit report without any notification from TRANSUNION within the required five business days.

This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. 
I have already contacted TRANSUNION regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that TRANSUNION complies with FCRA regulations and corrects this issue immediately. 
Attached are copies of all relevant correspondence, including my initial dispute letter, confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 
Sincerely, 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 2025-08-12 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-12 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: AZ

Complaint narrative:
I am writing to request that you block from my credit file certain information that I believe is the result of identity theft, as provided under 15 U.S.C. 1681c2 a of the Fair Credit Reporting Act ( FCRA ).

I did not authorize or participate in the transaction ( s ) listed below and have reason to believe they were the result of identity theft. The following information is fraudulent and should be blocked from my credit report : In a Four Day manner

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