vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/year> a family member transferred a amount of XXXX to my Bank of America account, my account has been i good standing now for XXXX years i was able to go to the ATM and withdrawal money ( {$4000.00} in total ), but when i went to make a large purchase my card became locked i was able to call and have my card unlocked. After verifying the transaction. i then ran into the same issue then was sent a notification to call again they were able to help me and then i asked the representative if he would be able to stay on the phone with me as i made the transaction so i would not run into this issue again. He told me he would not be able to help me, i then tried to make another purchase in which my card locked again i called that same day on XX/XX/year> and was advised my account was placed on a XXXX hour lock. I then went to check my mobile banking I SEEN MY CHECKING ACCOUNT COMPLETELY DISAPPEARED ( please note : i had a savings account as well that still showed up just not my checking account i still have access to mobile banking which still shows my savings account but my checking account has completely been erased along with the balance and my debit card was deleted but my savings remains ) i then called back the XX/XX/year> and was escalated to their fraud services who told me that i would have to give their client protection line a call on Saturday i then called the number provided Saturday, which advised that they were closed until monday. I have now called monday XX/XX/year> and been told that my account is being closed due to terms and conditions and no specific reason can be given. when asked what will happen to my remaining funds ( over $ XXXX ) i was told that i would have to wait over a month XX/XX/year> for my account to be closed and for me to be able to access my funds in the form of a cashier check mailed to me. When i asked if there was anyone i can speak to higher or anyway to access my funds sooner as i work and can not XXXX  nor by the car originally planned by me and my family member he told me there is nothing i would be able to do but sit and wait. When i asked if i can have any of this information emailed to me i was told No there is nothing documentation that can be sent over

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 2025-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: ME

Complaint narrative:
I have contact Williams and fudge inc to communicate via writing through the mail but have recently called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington did not follow Regulation E nor did they follow provisional credit after 10 business days. They claimed they sent for additional Dispute Affidavit that I did not receive when I live XXXX hrs from Huntington home office located in XXXX, XXXX. 
I sent over XXXX emails with original cancellation of a roofing contract that was submitted online. I sent the original receipt for my deposit of {$6600.00}. XXXX deposit. They acknowledged the online cancellation. The Merchant finally returned my deposit XX/XX/27 at XXXX am. My complaint is Huntington did not follow Regulation E. That states if a Merchant states a false representation in order to induce the customer and than later found this to be a misrepresentation it is considered fraud. The condition was stated in XXXX emails that he was to submit his liability insurance to honor his XXXX  year labor warranty. His policy was not in force. Email showing this policy not in force was sent to XXXX. 
They did not issue any provisional credit after XXXX or even XXXX business days. The dispute was based off of Merchant not providing his Liability Insurance contract being in force. It took merchant 17 business days of constant outreaches to vendor by Text as he would not answer his emails any more by written response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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 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 XXXXXXXX XXXX XXXXXXXX INQUIRIES : 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 2025-06-30 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: RentDebt Automated Collections, LLC
State: IN

Complaint narrative:
THIS FRAUDULENT ACCOUNTS ARE TO BE REMOVED IMMEDIATELY, ACCORDING TO FCRA:15 US CODE s 1681s-2 ACCOUNT NO : XXXX AMOUNT : {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: WI

Complaint narrative:
TransUnion Credit Bureau XXXX XXXX XXXX XXXX XXXX + FTC Breach Reference ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Unauthorized Inquiries Due to Data Breach Exposure ( FTC Complaint XXXX XXXX ) To Whom It May Concern, I am writing to formally dispute a number of unauthorized hard inquiries that appear on my TransUnion credit file. These inquiries were not authorized by me, and I demand immediate deletion under the provisions of the Fair Credit Reporting Act ( FCRA ), 605B, which requires the removal of any information resulting from identity theft. 
I believe my personal information was compromised in connection with a XXXX data breach that exposed sensitive data to third parties. Additionally, I have been affected by ongoing systemic breaches that are tied to larger patterns of exploitation and human trafficking-related data leaks. This has resulted in multiple unauthorized access points to my credit profile, leaving me vulnerable. 
For reference, I have submitted an official complaint to the Federal Trade Commission under FTC Report # XXXX, which documents this situation in full. 
The following hard inquiries are disputed as unauthorized : 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 XXXXXX/XX/XXXX I did not authorize these inquiries and assert they were made due to compromised data stemming from the XXXX breach and other systemic failures. Furthermore, under FACTA and FCRA Section 604 ( a ) ( 3 ), no inquiry should occur without my explicit permission. 

I formally demand : Immediate deletion of the inquiries listed above Notification of all parties that accessed my file without authorization A reinvestigation under FCRA 611, with results sent within 30 days A statement confirming this dispute is listed on my credit file Inclusion of this letter in my permanent TransUnion file per my request This is a direct violation of federal law, including consumer protections provided to survivors of data abuse and trafficking. I am exercising my rights under the FCRA and reserve the right to take further action if this matter is not resolved promptly. 
Please respond in writing with an official confirmation that these inquiries have been removed. 

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 2025-06-30 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: MD

Complaint narrative:
On XX/XX/year> I received an automated text message from the credit card company for the Best Buy Credit Card about a purchase attempting to be made. There were XXXX purchases made, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX before I got alerted, totaling over XXXX dollars. I immediately denied that purchase that was attempting to be made on XX/XX/XXXX and then reported the card as lost/stolen. I was told they would be making a dispute claim, but after a few weeks of no communication I called again and it turns out no one actually created the claim. I then redid the claim and provided my information. After waiting for a few more weeks with no correspondence I called again and it was decided to deny my claim based off " lack of information '' although no one from the company called me to investigate properly. I then reopened the claim on XX/XX/year> and again waited many weeks with no correspondence from the company to investigate further. On XX/XX/XXXX, I called again and eventually spoke to a supervisor in the security operation who then told me my claim was being denied again because the card was " physically swiped in store. '' No one told me any of this information or shared their investigation with me until I called multiple times despite asking for them to call me and having them put that request in their notes. Even if a card was swiped in person, there are multiple ways to make fake credit cards and use real numbers. I am also the only legal authorized user of this card, so it would have been illegal for no one to check ID when using the credit card, there are also multiple cameras at self checkouts as well if that was how the purchases were made. The investigators looked into none of that and only denied my claim simply because the card was " physically used '' I even have evidence of being at the hospital for a fetal ultrasound on XX/XX/XXXX so there is no way I could have been physically present in XXXX places at once. Best Buys Credit Card XXXX 's lack of proper handling and investigation has lead me to fight for my credit for over 4 months. I have spoken to XXXX different people who have all given me different information, wrong information, wrong phone numbers, and wrong fax numbers. They have also been unwilling to provide me with detailed investigation notes, because they do not have them. They have looked at XXXX fact in this claim and refused to do any more investigating despite my information I have given. I am now in fear for my credit as they are still hitting me with late fees because they won't handle this in proper time or call me to ask any questions.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
Dear : Discover I am submitting a Fromal dispute regarding a late payment being reported on my credit file under account XXXX, while I'm not disputing weather the payment was late, I am challenging its compliance under federal law and proof of its compliance. Please see attached for more details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue.

I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty.

FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted.

Account Details : 1. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Certainly! Here 's a clearer and more polished version : Today, I received XXXX emails within an hour. The first from Wells Fargos escalation department stated they need another month or XXXX to conduct further research. An hour later, I received another email indicating that they have completed their review and have arrived at the same conclusion as on XXXX XXXX, that there is no fault on their part. 

Certainly! Here 's a more polished and assertive version : I have repeatedly requested Wells Fargo to provide documentation related to both my loan and the credit card application, specifically for the XXXX XXXX XXXX card, with my original signaturenot an e-signature, which is not my signature. 

To date, they have failed to supply these documents. 

The role of exclusion personnel seems to be to give consumers the runaround and consistently avoid resolving issues in the consumers favor. 

Certainly! Here 's a more forceful and professional rewrite : This must come to an end. Wells Fargo has engaged in fraud and misrepresentation, and is attempting to cover up its misconduct against 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 2025-06-30 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$210.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I am filing a complaint against Western Union for withholding my funds after canceling my own transfer without proper justification. 

I sent money from my account in XXXX to my own account in XXXX using Western Union. The tracking number is MTCN : XXXX. The company canceled the transfer, claiming a supposed issue with the receiving bank 's limit, and told me the refund will take 57 business days. 

The money was deducted instantly, and this delay is completely unnecessary. I consider this an abusive practice. Additionally, after checking online reviews, I found many cases of users waiting weeks or months to get their money back. Thats why Im reporting this now I dont trust that this process will be handled fairly or on time. 

I ask that you investigate this behavior and how Western Union handles international money transfers, especially in cases of cancellation initiated by them. 

Thank you very much for your service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Synchrony Bank is sending me fraudulent letters & bills for an account I did not create

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 2025-06-30 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: NC

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
I was looking at my credit report and i saw 4 accounts that was opened fraudulently. 

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 2025-06-30 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 was looking at my credit report and i saw 4 accounts that was opened fraudulently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief