vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint against Bank of America regarding their mishandling and denial of my fraud claim. On XX/XX/year>, between midnight and XXXX XXXX, fraudulent transactions totaling {$2300.00} were made on my account ( ending XXXX ). These charges were unauthorized, originated from a XXXX  IP address while I was in XXXX, XXXX. I reported the fraud to Bank of America the same morning around XXXX while another transaction was just taking place, canceled my card, and filed a police report on XX/XX/year> ( XXXX XXXX XXXX # XXXX ). 
Bank of Americas Failures : Provided no communication for over 60 days after my report, then issued a denial on XX/XX/XXXX claiming the charges were authorized. 

Required me to mail a police report and exhibits by Priority Mail on XX/XX/XXXX, which their fraud lead confirmed receiving. He assured me the provisional credit would remain while reviewed. 

On XX/XX/XXXX, I received another denial letter stating the provisional credit will be withdrawn XX/XX/year>. This is despite clear felony fraud evidence and a police investigation that is active. The packet of evidence they sent me confirms all purchases were made in XXXX, XXXX  while I was in XXXX, XXXX. I have never given my card or online banking details to anyone and do not know anyone in XXXX. I also have purchased I made using my debit card in XXXX, XXXX  the afternoon of XX/XX/year> to confirm I wasnt in XXXX. 

Bank of Americas fraud systems failed to flag obvious red flags : overnight cluster of charges, out-of-state IP, gift card purchases, and decoy shipments of cheap goods to my address ( tags still on, unused ). I am happy to provide pictures and any other evidence needed. 

Harm : If Bank of America removes my provisional credit, I will be unable to afford rent or basic living expenses. I rely on government assistance ( EBT and XXXX XXXX and this mishandling has left me financially and emotionally devastated after 15 years as a customer.

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 2025-10-02 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:
I am filing this complaint to formally dispute serious inaccuracies being reported on my credit file. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and are causing harm to my creditworthiness and financial opportunities. 

Issues Identified 1. Wrong Addresses Reported XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address These addresses do not belong to me and are inaccurately associated with my consumer file. Under FCRA 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy, which has not been followed here. 

2. Unverified Collection Account XXXX XXXX XXXX ( Acct : XXXX ) High Balance : {$270.00} Date Opened : XX/XX/year> Reported as : Collection This account is inaccurate and unverifiable. No proper validation or supporting documentation has been provided proving this debt belongs to me. Reporting an unverified collection violates both the FCRA and the FDCPA. 

Violations The credit reporting agencies and furnisher are in violation of : FCRA 602 ( A ) : Failure to ensure fairness and accuracy in reporting.

FCRA 607 ( B ) : Failure to maintain maximum possible accuracy.

FCRA 609 & 611 : Failure to properly investigate and provide verified documentation.

FCRA 604 : Allowing unauthorized association of false addresses with my file. 

Requested Action I respectfully request that the CFPB : Remove the inaccurate and unauthorized addresses listed above. 

Delete the unverifiable collection account reported by XXXX XXXX XXXX. 

Hold the credit reporting agencies and furnisher accountable to ensure compliance with the FCRA.

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 2025-10-02 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: TX

Complaint narrative:
To Whom It May Concern : I have been contacting credit bureau Experian on several occasions about updating credit reports. I have had several changes to my credit report like removals and address changes. Experian has not updated proper information. I have also tried to dispute issues on the website as they direct a customer to do and it does not work. I have contacted them of this matter and the link that was given to me did not let you download information. This is a constant issues with Experian credit reporting and monitoring. This is an important matter to a consumer trying to fix their 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 2025-10-02 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: SC

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate personal and account information items appearing on my credit report. These items are incorrect, outdated, or not associated with me, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts are inaccurately XXXX. Some balances are incorrect, and at least one account is not mine. Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information, and credit bureaus must investigate and correct or remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: SC

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate personal and account information items appearing on my credit report. These items are incorrect, outdated, or not associated with me, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts are inaccurately XXXX. Some balances are incorrect, and at least one account is not mine. Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information, and credit bureaus must investigate and correct or remove 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 non-monetary relief
Consumer complaint received 2025-10-02 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: CITIBANK, N.A.
State: NC

Complaint narrative:
This is my third attempt at a complaint. Citibank allowed fraudulent activity on my account and is not refunding me the full amount. They stated {$100.00} that is not correct. The full amount for fraudulent charges is {$250.00}. I did not even have a card after XX/XX/year> yet they allowed fraudulent charges to be made but me as the owner of the card couldnt even access my account bc I didnt have a cv number. Thus is not acceptable that I have to go back and forth. It is not acceptable the hold me responsible for charges I didnt make whereas I didnt even have my card and the charges were made at same place you flagged before I cancelled. You gave the same people, the same companies platforms whatever you call it access to my card. You better take that full amount off and someone needs to investigate the investigation team for Citibank because theyre not too bright.

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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: MA

Complaint narrative:
I sent XXXX XXXX  XXXX a formal Debt Validation Request regarding an alleged account # XXXX. I fully disputed the debt and requested proper validation pursuant to 15 U.S.C. 1692g ( b ) ( FDCPA ). To this date, they have failed to provide any of the legally required documentation, including the original signed contract, full chain of title, proof of holder in due course, pooling and servicing agreement, and complete debt itemization. 


XXXX XXXX  XXXX continues to report and attempt collection without validation, which constitutes violations of : FDCPA ( 15 U.S.C. 1692g ( b ) ) continuing collection without validation.

FCRA ( 15 U.S.C. 1681s-2 ( b ) ) reporting false or unverified information to credit bureaus.

15 U.S.C. 1692e false representation of authority or ownership.

TILA ( 15 U.S.C. 1641 ( g ) ) failure to disclose the transfer of debt.

UCC Articles 3 & 9 attempting to collect without legal proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have contacted the three credit bureaus. Ive informed them that this account has been included in a bankruptcy, which the company ( initially ) is getting paid. Also, I have informed them that my information was illegally obtained without legal written consent from myself.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have contacted the three credit bureaus. Ive informed them that this account has been included in a bankruptcy, which the company ( initially ) is getting paid. Also, I have informed them that my information was illegally obtained without legal written consent from myself.

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 2025-10-02 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: Continental Finance Company, LLC
State: AZ

Complaint narrative:
Purchased an item for {$450.00}. XXXX weeks goes by with no updates from merchant nor returned communications. I disputed the charge. Then the merchant shipped the item after I already told them I had disputed it. 

So I submitted the messages along with XXXX XXXX XXXX that showed he sent it after I told him I disputed it, shows, I refused delivery, and shows who signed for it once it was returned to the merchant.

Crealun filed the dispute as unauthorized. Which they knew was false as if it was unauthorized they would have immediately cancelled the card. So they ruled against me saying it was because it was an authorized charge. I filed an appeal and resubmitted all the information and that it was filed under product not received! There has been no update. Shows I have an outstanding balance. Ive called and spoken with a rep ( recorded line ). Still no update.

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 2025-10-02 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: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX because they continue to report my auto loan to the three credit reporting agencies ( XXXX, Experian, and XXXX  ) even though I have disputed the accuracy and security of that reporting. 

I contacted XXXX multiple times and requested : Proof of their legal authority to furnish my personal and account information to these agencies. 

Confirmation of how my personal identifiers are being protected, given that these agencies have a documented history of data breaches and compromises. 

That my account be placed into official dispute status and that reporting be suspended until the matter is resolved. 

Despite being told my request would be escalated to management/legal and that a callback would be arranged, XXXX has not provided the requested documentation and has not suspended reporting. I was left on hold, transferred multiple times, and ultimately told that their legal department was closed. 

XXXX  failure to respond to my dispute and their continued reporting has caused harm to my credit profile and places me at further risk of identity compromise. 

I am requesting that CFPB require XXXX to : Place my account in dispute status immediately. 

Suspend reporting to XXXX, Experian, and XXXX  while the dispute remains unresolved. 

Provide written documentation of their authority to furnish data tied to my identifiers.

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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX Transaction ID Number XXXX On XX/XX/XXXX at XXXX I drove myself to Capital One Bank located at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX United States . I used their ATM number XXXX which is the drive through ATM closest to the building. I proceeded to use my XXXX Debit Card to Withdraw {$800.00}, which is my routine after getting paid. The ATM took long and never dispensed the amount. It prompted an error message saying there was an error dispensing. I quickly pulled to the parking lot and called Capital One, they informed me to wait until the bank re opened the next day on Friday, XX/XX/XXXX to let the bank know of my issue. I quickly hung up and called XXXX to let them know my issue and file a dispute. I was told it can take up to 10 days to resolve the issue, but they were able to file a dispute number ( XXXX XXXX XXXX On Friday, XX/XX/XXXX I was one of the first customers at the Capital One bank to explain my issue. This is where I obtained the ATM Number XXXX and I was able to provide that number to XXXX Dispute. I did not receive a provisional credit I am still awaiting a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portafolio coleccin took me to court for {$8000.00} many times I called them to clarify my case! They have my wrong name and my wrong SS. They linked me with my home address. I mentioned on the phone that they have the wrong person. 
I event want to show them my CC score and proof them that this is not on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : Formal Complaint Regarding Unfair and Deceptive Practices by Experian To Whom It May Concern, I am writing to file a formal complaint against Experian regarding what I believe to be unfair and deceptive business practices. For over three years, Experian has advertised and offered a suite of free financial management and credit-building tools on its platform, yet has made these tools arbitrarily inaccessible to myself and millions of other consumers. 

The core issue is Experian 's persistent failure to connect with my bank, XXXX Bank, XXXX, which is a fully accredited, FDIC-insured national bank. This failure prevents me from utilizing not only the widely advertised " Experian Boost '' feature but also Experian 's entire Personal Finance Management ( PFM ) platform, which includes critical tools for spending analysis, bill tracking, and overall financial monitoring. 

Experian 's position that my bank is incompatible is demonstrably false and misleading. The evidence shows that the failure is solely on Experian 's end : My Bank is Technically Compatible : XXXX Bank successfully and seamlessly integrates with numerous other major financial platforms ( such as XXXX, XXXX, and XXXX ) using the same industry-standard connection technology ( Plaid ) that Experian claims to use. 

My Bank Has Confirmed the Issue is with Experian : I have personally contacted XXXX Bank, and they confirmed that they have been actively trying to integrate with Experian 's services. This indicates the roadblock is a policy or technical failure exclusively on Experian 's part. 

This selective availability of services is fundamentally unfair. By offering these powerful tools to some customers but not all, Experian is creating a two-tiered system. This actively hinders my ability to effectively monitor my finances and utilize the full range of credit management tools advertised on their platform. As one of the three major credit reporting agencies, Experian holds a significant position of power and trust. To offer services that can impact a consumer 's credit profile and then make them arbitrarily inaccessible is a practice that I believe violates the spirit of fair and equitable treatment for all consumers.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: MN

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my Equifax credit file and found inaccurate personal information that does not belong to me : Incorrect name variations reported : XXXX XXXX XXXX XXXX XXXX XXXXXXXX My correct legal name is XXXX XXXX XXXX XXXX, as confirmed by my government-issued identification. 

Outdated addresses still listed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My correct current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, verified through my utility bill, bank statement, and phone bill. 

Despite submitting a written dispute to Equifax on XX/XX/year> with all supporting documentation, Equifax failed to correct or delete these items. This violates the Fair Credit Reporting Act ( FCRA ), including : Section 611 ( a ) ( 15 U.S.C. 1681i ) reinvestigation and correction/deletion within 30 days.

Section 607 ( b ) reasonable procedures to assure maximum possible accuracy.

Section 611 ( a ) ( 5 ) ( A ) deletion of unverifiable information. 

These inaccuracies expose me to misidentification, potential denials of credit, and unfair harm to my financial life.

Company response to consumer: Closed with non-monetary relief