vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-21 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: EQUIFAX, INC.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: TX

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Additional Information / Urgent Update to Existing CFPB Complaint Since submitting my original complaint, the situation has become critical and urgent.

Bank of America has restricted my business checking account to deposit-only status, completely blocking outgoing payments. This restriction was imposed without any written explanation, resolution, or timeline, despite my full cooperation and timely submission of all requested documentation related to the unauthorized ACH debits.

I want to stress the immediate and severe impact this has had on my business : We are approaching the holiday period I am urgently required to pay employee wages I must also pay suppliers and outstanding inventory invoices Due to the account restriction, I am currently unable to meet these basic obligations This situation is placing my employees livelihoods and my business operations at serious risk. 

What is especially distressing is that : I am the victim of unauthorized ACH activity, not the cause My business has no relationship with the originating entity I followed all Bank of America procedures promptly and in good faith More than one week has passed, yet no one from the bank has contacted me, provided guidance, or offered any resolution Despite repeated attempts to obtain assistance, I have received no meaningful response, no written explanation, and no estimated timeline. My business account remains restricted, and I have been left without support during a time of urgent financial responsibility. 

I respectfully request immediate regulatory intervention. This account restriction, imposed without due process or communication, is causing ongoing and irreparable harm to my business, my employees, and my ability to operate responsibly during the holiday period.

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 2025-12-21 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: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX, my bank withdrew {$750.00} from my checking account without my authorization. I have never enrolled in an automatic or electronic payment for this loan. The withdrawn amount was a scheduled auto loan payment, but my payment had been formally deferred, as documented by a 90-day extension form issued by the bank, which clearly stated that my next payment was not due until XX/XX/XXXX. 

Despite this, the bank withdrew funds prior to the authorized due date, without my consent or approval. I immediately contacted customer service and a supervisor to dispute this unauthorized withdrawal, providing evidence of the deferment and stating that I never authorized automatic payments. 

The bank refused to reverse the withdrawal, claiming that because the loan and the account are held at the same institution, the transaction is internal and can not be disputed. They directed me to contact the collections department, which has no legal authority to process a dispute for an early withdrawal from my deposit account. 

This action constitutes an unauthorized electronic transfer under federal law ( Regulation E of the Electronic Fund Transfer Act ), as the debit was made without authorization and outside the agreed-upon terms of my loan deferment. The banks refusal to investigate or reverse the transaction has caused immediate financial harm, as part of the withdrawn funds belonged to a third party ( my roommate ) for rent obligations, and the premature withdrawal prevented me from accessing those funds.

I am formally requesting an investigation and reversal of the unauthorized debit, along with provisional credit while the investigation is completed.

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 2025-12-21 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
This complaint is a follow-up and supplement to CFPB complaint # XXXX, which remains unresolved. 

I previously submitted a master packet and fraud pattern brief documenting that my Chase credit card was used for unauthorized transactions and that Chase failed to properly investigate the full scope of the fraud. Despite clear notice that the fraud involved a larger set of related transactions, Chase conducted an incomplete reinvestigation and did not resolve the billing dispute in accordance with the Fair Credit Billing Act. 

Since submitting that complaint and evidence, Chase has closed my account but continues to treat the disputed balance as owed. Chase has added additional interest and fees to the disputed balance and is now indicating that collection activity is being initiated, even though the fraud dispute remains unresolved and the prior reinvestigation was incomplete. 

These actions are occurring after notice of the dispute and have resulted in ongoing and increasing financial harm. I am requesting CFPB review of Chases dispute-resolution process, reinvestigation procedures, and the initiation of collection activity and accrual of fees and interest during an unresolved billing dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX  Reported an Account from XXXX XXXX XXXX XXXXXXXX in which on my credit report it shows I opened in my name and owe a balance of {$590.00}, The Account is showing from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX number XXXX Account XXXX XXXX. I have disputed this account with XXXX  twice advising this account was not opened by me and XXXX  still has of yet to remove this account from my credit report.This is causing me to get denied credit from lenders and not be able to obtain credit.. 

On XX/XX/XXXX, XXXX  Reported an Account from XXXX XXXX in which on my credit report it shows I opened in my name and owe a balance of $ {$2900.00}, The Account is showing from XXXX  XXXX  address XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Florida, XXXX. Account XXXX XXXX. I have disputed this account with XXXX  twice advising this account was not opened by me and XXXX  still has of yet to remove this account from my credit report.This is causing me to get denied credit from lenders and not be able to obtain credit. 

Ive also asked XXXX  to remove the following Inquiries that was not done or approved by myself. 

XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX I am requesting that XXXX  Immediately remove these accounts from my credit report Please.Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I was getting letters from a credit card company called indigo I've never heard of them i have a credit card from XXXX  so I called them and told them I never opened up a credit card and whoever had it spent {$1000.00} I told them that wasn't me because I'm on a fixed income and I told them that whoever this is it isn't me they asked for my address to verify and I said I'm not going to give them my address so I reported it to the credit bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Ahn Management LLC
State: CA

Complaint narrative:
On XX/XX/year>, I purchased Bitcoin worth {$1000.00} from a Bitcoin ATM/machine. The transaction was completed on the machine, but the Bitcoin was never sent to my wallet. 

I immediately contacted the companys customer service by phone and email, but I did not receive any response. I also reviewed their social media accounts, including XXXX and XXXX, where numerous customers reported experiencing the same issue. Many individuals stated that their money was taken without receiving the Bitcoin they purchased. 

Despite these ongoing complaints, the machine remains active in the store, and the company continues to accept payments from customers. This appears to be a pattern of deceptive or fraudulent activity, taking advantage of unsuspecting consumers. 

I believe this situation represents a serious consumer protection violation and request that this matter be investigated and appropriate action taken.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I want this account on my credit to be investigated.

Company response to consumer: Closed with explanation