vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: MA

Complaint narrative:
I am in the middle of a fraud case with Bank of America. I have had money stolen from my account ( XX/XX/XXXX ) and the bank has denied the claim multiple times. The odd thing is that they keep on making mistakes and I keep having to explain my case to then get denied. 
The check was made out to XXXX XXXX XXXX. I am not a patient The Check was sent to a bogus XXXX XXXX XXXX XXXX XXXX XXXX confirmed it was NOT their billing address. 
The Check was cashed at a TD Bank but BOA would not confirm location. 
The Check was the same amount as my car payment and BOA keeps on questioning me as to why I am filing a claim that I had made for the past 12 months. I have made legitimate payments for my car, BOA doesn't seem to understand. 
I had to change all of my accounts at BOA. 
This is a safety issue and I do NOT trust BOA. 
I have been a client for 29 years. 
I would like the money that was taken from me as I am a teacher, and I work too hard to be treated so poorly. 
Would you be able to help with this case? 
Thank you, 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 2025-04-22 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im reaching out because I recently reviewed my credit report and noticed some accounts listed that I never opened or authorized. Ive never had any dealings with these companies, and seeing them show up on my report was both confusing and alarming. Just to be clearthese accounts are not mine. I didnt open them, I didnt give anyone permission to use my information, and I have no connection to them whatsoever. It seems like my personal information may have been used without my knowledge.

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 2025-04-22 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: MN

Complaint narrative:
On XX/XX/XXXX I mailed a Debt Validation Request letter. The letter requested the original creditor 's name and address, a complete account history, including any payments made, a signed agreement or contract proving my obligation to this debt, proof that their agency has the legal right to collect this debt and documentation showing how the amount was calculated. 

On XX/XX/XXXX I received a letter stating the debt was valid. However, the information they provided for the debt validation had the incorrect name, social security number, DOB and contact information. In their response letter, they stated the information was being reported correctly and since the loan was paid as agreed they will update the account by the end of the month. 

I called the phone number listed on the response letter ( XXXX ) requesting to have it removed entirely as none of the information matches mine. I was told they can not do so. I also mailed another letter with my request on XX/XX/XXXX and haven't received a response. 

A previous dispute was submitted to the credit bureaus in XXXX, which they stated the debt was valid, even though none of the information matched 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 2025-04-22 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: MN

Complaint narrative:
On XX/XX/XXXX I mailed a Debt Validation Request letter. The letter requested the original creditor 's name and address, a complete account history, including any payments made, a signed agreement or contract proving my obligation to this debt, proof that their agency has the legal right to collect this debt and documentation showing how the amount was calculated. 

On XX/XX/XXXX I received a letter stating the debt was valid. However, the information they provided for the debt validation had the incorrect name, social security number, DOB and contact information. In their response letter, they stated the information was being reported correctly and since the loan was paid as agreed they will update the account by the end of the month. 

I called the phone number listed on the response letter ( XXXX ) requesting to have it removed entirely as none of the information matches mine. I was told they can not do so. I also mailed another letter with my request on XX/XX/XXXX and haven't received a response. 

A previous dispute was submitted to the credit bureaus in XXXX, which they stated the debt was valid, even though none of the information matched 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
TRANSUNION LLC is not furnishing accurate information on my credit report & file. They are still reporting that I'm disputing these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I wrote to these companies that I'm no longer disputing these account which they stated that they put in a request to have the dispute remarks removed from all the credit reporting agencies. TRANSUNION LLC is misleading new potential creditors into thinking I'm disputing these accounts by keeping those comments on my credit report and file when that is not accurate or true. I have included screenshots of my credit reports that shows the remarks for XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I reached out to XXXX XXXX XXXX XXXX XXXX XXXX ( Case # XXXX ) on XX/XX/XXXX & XXXXXXXX XXXX XXXX  ( Case # XXXX ) on XX/XX/XXXX via CFPB to inform them that I am no longer disputing any information on this account at this time, due to being in the process of getting a mortgage and that the dispute wording on these accounts were preventing my loan approval. I then asked them to please remove the dispute comments with all of the credit reporting agencies, which included TRANSUNION LLC. I have attached this initial complaint letter titled : Initial Complaint XXXX XXXX XXXX & Initial Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX responded on XX/XX/XXXX. This is part of their response, On XX/XX/XXXX, the Bank submitted a request to remove the dispute comments from the Customers credit reporting. The Customer should allow up to 30 days for the change to reflect on the credit reporting. Based on the above details, the Bank kindly requests for this complaint to be closed. I have uploaded the complete response titled : XXXX XXXX XXXX XXXX. Upon checking my credit report for TRANSUNION LLC, it shows that they added the dispute remarks instead of keeping it off of my credit report & file ; the complete opposite of what XXXX XXXX XXXX XXXX XXXX XXXX said that they did. XXXX XXXX XXXX responded on XX/XX/XXXX. This is part of their resonse, The dispute removal has been completed and we report every Monday and to our understanding... it takes about 30-45 days for a reflection on your credit report. I'm sorry for any inconvenience this might have caused. I have uploaded the complete response titled : XXXX XXXX XXXX XXXXXXXX XXXX Upon checking my credit report for TRANSUNION LLC, it shows that they added the dispute remarks instead of keeping it off of my credit report & file ; the complete opposite of what XXXX XXXX XXXX said that they did.

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 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Debt Verification Request Letter ( Chain of Title Focused ) Re : Request for Debt Validation ( Account No : [ XXXX ] ) To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting validation of this debt, including documentation to verify that your company has the legal right to collect on it.

Specifically, please provide the following : 1. The name of the original creditor.

2. A copy of the original credit agreement or contract that created the alleged debt.

3. An itemized statement showing the full history of charges, payments, interest, and fees.

4. A complete chain of title for this debt, including : A copy of each bill of sale or assignment of the debt from the original creditor to any subsequent debt buyers.

Any schedules or exhibits that specifically reference my account, showing it was part of each transfer.

5. Proof that your company currently owns or has been assigned the rights to collect this debt.

Please consider this a formal dispute of the validity of the alleged debt, and a request that you cease all collection activities until the requested documentation is provided.

If you are unable to produce the requested documents, please consider this matter closed and ensure that it is reported as such to any credit bureaus to which it has been reported.

Please provide all documents that I requested to the cfpb platforms when reaching out as proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
On XX/XX/2025, I got a call from a Wells Fargo ID stating that there had been charges on my debit card ending in XXXX  ( he knew the card number ) and wanted me to confirm charges. I told them I had not made those charges and the caller said that the charges had been denied. They caller then told me that someone with my ID had just gone to the branch I bank at and tried to withdraw $ XXXX, and that the bank was under FBI surveillance and I needed to get to the bank and withdraw the cash before another attempt was made to withdraw the funds. The caller stated that the tellers and bank employees were under surveillance and arrests would be made. The caller asked me to go online and verify that no other suspicious charges had been made. I went to the sign on page, the caller asked if I knew my username, I said I did not know it, he told me my username. it was my actual username. He then asked if I knew my password, and I replied no. He gave me a password over the phone ( that I had never used ) and it worked. No codes or resets were messaged. I scrolled through the recent charges, not giving him any info, and they appeared legit. I was instructed by him to go to bank, the same branch that I use and that someone had tried to withdraw funds, and withdraw $ XXXX in cash, then take to the other branch that I use and deposit in ATM to a bank account that he was setting up because he would have to close my account due to the fraudulent activity. He also stated that the extent of the fraud within the bank was unknown so not to alert the bank employees or the investigation would be blown. I drove to the wells fargo ATM, sat in my car until he set up new account and debit card in apple wallet, using messaging codes from wells fargo. made deposit, never to see my money again. The cards that he loaded were wells fargo, the codes were from a five digit number that I received from wells fargo on numerous occasions and the WF case investigator has confirmed that they came from wells fargo. All pointed to wells fargo protecting my funds. I have filed a complaint against wells fargo, case number XXXX. The XXXX XXXX XXXX has a case open, XXXX. I have documentation that I can send upon request. I am alleging that this was an inside job. No one besides myself and wells fargo knew my username.

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 2025-04-22 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Cars-N-Credit Finance, Inc.
State: MN

Complaint narrative:
I financed the XXXX XXXX XXXX through cars-n-credit in XXXX, MN. At the time this dealership was my only option because they do not run credit which made it easy for me because my credit was not the greatest. At the time of the purchase, I did not know the car 's value was set at according to XXXX XXXX XXXX {$6600.00} with {$110000.00} miles which is the mileage it had at the time, and EXCELLENT condition which the car was not in excellent conditions either. The total amount of the purchased for this vehicle is {$36000.00}. I'm being charged {$30000.00} more than the car 's value. I pay {$680.00} a month. As of now, I owe {$17000.00}. I do not know the exact percentage of interest and principal pay because it's different on every payment. Also, I do not know the financing company. Also, my payments are not being reported to my credit. There is no record of this loan on my credit report. I want to get out of this loan. I wish I would have known better when I purchased this vehicle because I would have never done it. I want to return the vehicle and cancel the loan. I have paid {$18000.00} out of {$36000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MORGAN STANLEY & CO. LLC
State: GA

Complaint narrative:
Morgan Stanley sent me an email on XX/XX/XXXX with an " exclusive, limited-time offer '' of a cash bonus of {$250.00} for meeting their listed requirements- including a line that says in parenthesis " Spoiler : it's really easy ''. This included signing up for a checking account by XX/XX/XXXX and making XXXX qualifying direct deposits of {$1000.00} or more within the first 90 days - the only listed requirements to receive the bonus ( original email included ). 

I signed up for a checking account on XX/XX/XXXX and funded the account with {$5.00}. I received confirmation of promo enrollment the same day ( email included ). 

I proceeded to make XXXX recurrent qualifying direct deposits ( each greater than {$1000.00} ) on XX/XX/XXXX and XX/XX/XXXX ( within the 90 day requirement ) to fulfill the requirements of the offer. I received communication on XX/XX/XXXX and XX/XX/XXXX that both of these deposits fulfilled the requirements and that all requirements had been met. I have included a screenshot of transaction history and the confirmations that those deposits counted toward the offer requirements. 

On XX/XX/XXXX I received communication ( attached ) that in fact my account had not met the offer requirements with no additional information other than listing their terms/requirements ( of which I had successfully completed all requirements ). I asked for additional review and received essentially the same response on XX/XX/XXXX with no explanation as to how I failed to meet their requirements other than listing the offer terms. 

I reached out to a customer service rep via chat to get further clarification - I have attached part of that conversation. The rep indicated the bonus was denied because I withdrew the funds from the account too quickly ( the funds were maintained in the account for at least XXXX business day ) and therefore the bonus was denied because they have a right to decline payment for reasons that they deem to be abusive, excessive, or suspicious. There was no stipulation in the offer terms that funds needed to be maintained for any period of time and the account was always maintained at a positive balance. Since I needed to use the funds that were deposited, I withdrew them shortly after deposit. The bonus was then denied because the withdrawals were deemed " abusive, excessive, or suspicious ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive been a victim of identity theft for years. The credit bureaus are reporting multiple fraudulent accounts on my credit including a bankruptcy, which I have not had any bankruptcy proceedings or in any court. 
But the credit bureaus are reporting this. 
These inaccurate reporting are hindering my life and any forward financial steps. All bureas are still reporting inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-22 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: Experian Information Solutions 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 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 2025-04-22 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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