vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX, I was charged twice for a {$700.00} payment to Bank of America due to a system glitch on their end. I contacted customer service on XX/XX/XXXX, and the representative acknowledged the error, provided a confirmation number ( XXXX ), and assured me the duplicate payment would be refundedthough it might not appear until the next billing cycle. 

I followed up on XX/XX/XXXX, to check on the status. I was told the case was still under review but would be escalated. On XX/XX/XXXX, I received a denial letter ( dated XX/XX/XXXX ) referencing case number XXXX. It stated that the duplicate charge would not be refunded because it occurred outside the current billing cycle.

This decision makes no sense. The delay that pushed the transaction outside the cycle was entirely due to Bank of Americas internal handlingnot mine. I called again on XX/XX/XXXX and spoke with a supervisor, who agreed that that typically funds are returned promptly and the denial was unusual, but confirmed that due to the system window closing, they could only re-submit the requestand it would likely be denied again for the same reason.

In short, Bank of America held onto the funds until it was too late to refund them, then used that delay as the reason to deny the refund. This is a clear failure in customer service and dispute resolution, and it effectively allows the bank to keep funds it knows are not rightfully theirs.

I have case numbers, call logs for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and have requested preservation of the call recordings. I am requesting immediate reimbursement of the duplicate {$700.00} payment and a formal explanation of how Bank of America justifies this outcome under fair banking practices.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I requested full verification and method of verification for the XXXX account under 15 USC 1681i and 1681s-2 including original signed contract, itemized statements since opening, and documentation validating the accuracy of the reporting. XXXX only provided recent statements without validating the original contract or full history. Their response does not satisfy FCRA requirements for proper verification. 

Additionally, TransUnion sent a notice refusing to process my dispute claiming lack of authorization, despite my previous submission. This is preventing me from exercising my rights under 15 USC 1681i ( a ) to dispute and reinvestigate inaccurate information. The information being reported is incomplete, unverifiable, and conflicting across bureaus in violation of 15 USC 1681e ( b ) and Metro 2 guidelines requiring maximum possible accuracy.

I am requesting deletion of these accounts due to failure to properly validate, provide method of verification, and failure to reinvestigate as required under federal law.

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 2025-06-28 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: MA

Complaint narrative:
I requested full verification and method of verification for the XXXX account under 15 USC 1681i and 1681s-2 including original signed contract, itemized statements since opening, and documentation validating the accuracy of the reporting. XXXX only provided recent statements without validating the original contract or full history. Their response does not satisfy FCRA requirements for proper verification. 

Additionally, TransUnion sent a notice refusing to process my dispute claiming lack of authorization, despite my previous submission. This is preventing me from exercising my rights under 15 USC 1681i ( a ) to dispute and reinvestigate inaccurate information. The information being reported is incomplete, unverifiable, and conflicting across bureaus in violation of 15 USC 1681e ( b ) and Metro 2 guidelines requiring maximum possible accuracy.

I am requesting deletion of these accounts due to failure to properly validate, provide method of verification, and failure to reinvestigate as required under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I received a notice that there was a collection item on my credit file. There was no information listed on the credit file as to type of debt, original creditor or closed date. I looked up the company and attempted to call them at the number listed on the credit file XXXX. I received a recording asking to leave a message. I did this twice. The first attempt was XXXX and the last attempt was XXXX. No return call, no written correspondence, no email notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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 filing a dispute regarding inaccurate information being reported on my credit report by the servicer XXXX. XXXX  XXXX / XXXX, Account XXXX ( Partial ) : XXXX. The account contains reporting errors and unverifiable information related to the balance and payment history. I have not received proper validation of the debt in accordance with the Fair Credit Reporting Act ( FCRA ). I am requesting a full investigation, correction, or deletion of this account from my credit reports.

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 2025-06-28 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:
Let me be absolutely clearthis complaint is valid and demands immediate attention. My credit report contains inaccurate and misleading information that fails to meet the legal standard of maximum possible accuracy. These are not minor errorsthey are actively harming my financial standing and personal well-being.

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 2025-06-28 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: FL

Complaint narrative:
Subject : LEGAL DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNT DUE TO IDENTITY THEFT EQUFAX XXXX  DATA BREACH To Whom It May Concern, This letter serves as a formal dispute and legal demand for the immediate and permanent removal of fraudulent accounts listed on my credit report. I am a confirmed victim of the 2017 Equifax data breach, in which highly sensitive personal information was exposed and subsequently used to open unauthorized accounts in my name.

The accounts in question were not authorized, opened, or used by me. There presence on my credit report is a direct result of identity theft and constitutes a violation of my rights under multiple federal consumer protection laws.

Pursuant to the following statutes, I demand immediate action : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ) : You are required to block and remove all information resulting from identity theft within four business days of receiving appropriate documentation.

FCRA 1681i ( a ) : You must conduct a reasonable reinvestigation and delete inaccurate, incomplete, or unverifiable information.

FCRA 1681e ( b ) : Credit reporting agencies must ensure the maximum possible accuracy of consumer reports.

Fair and Accurate Credit Transactions Act ( FACTA ) : Requires agencies to block fraudulent data upon receipt of proper evidence of identity theft.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ) : Reporting disputed fraudulent debts to third parties is a violation of federal law. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. : Prohibits unfair, deceptive, or abusive acts or practices by credit bureaus.

I am enclosing the following documents as required : A copy of my government-issued photo ID A copy of my social A copy of my FTC Identity Theft Report Proof of data breach Demand for Action : Permanently delete the fraudulent account from my credit file.

Provide me with a corrected copy of my credit report showing the deletion.

Issue a written statement confirming the removal and outcome of this dispute.

Take notice : You are now on record. If you fail to comply with these demands within 15 calendar days, I will pursue all available remedies under the law, including : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General Pursuing legal action under the FCRA and FDCPA for : Statutory damages ( up to {$1000.00} per violation ) Actual and punitive damages Attorneys fees and court costs Your continued reporting of this fraudulent account, despite being notified, constitutes willful noncompliance under 15 U.S.C. 1681n. I strongly recommend you treat this matter with the urgency it demands. 
Sincerely, XXXX XXXX Enclosures : Copy of Government-issued ID Copy of Social FTC Identity Theft Report / Police Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There is personal information on my credit report that is inaccurate and outdated. This includes old addresses and job information that I did not authorize to be listed. I never gave your agency permission to report my employer information. 

I have submitted disputes requesting that this personal information be corrected or removed, but it is still being reported. I want the incorrect addresses and job information removed immediately and my personal data updated accurately.

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 2025-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
The complaint alleges that XXXX XXXX is reporting inaccurate information regarding an auto loan account ( # XXXXXXXX XXXX XXXX ) on the consumer 's credit report, specifically failing to reflect proceeds from the sale of a repossessed vehicle in the reported balance. 

Identified FCRA Violations XXXX. Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) - Reporting Inaccurate Information Evidence : XXXX XXXX is reporting a balance of {$22000.00} without accounting for auction proceeds from the repossessed vehicle Legal Standard : Furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate Case Law Support : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ) established that failing to account for relevant financial transactions constitutes inaccurate reporting 2. Violation of 15 U.S.C. 1681s-2 ( a ) ( 2 ) - Failure to Correct Inaccurate Information Evidence : Despite the vehicle being sold at auction, the reported balance appears unchanged Legal Standard : Furnishers must correct information they determine to be incomplete or inaccurate Case Law Support : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) held that furnishers must conduct reasonable investigations into disputed information XXXX. Violation of 15 U.S.C. 1681s-2 ( b ) - Inadequate Investigation After Notice of Dispute Evidence : Implied by the need to file a CFPB complaint after what appears to be previous attempts to resolve the issue Legal Standard : Upon receiving notice of a dispute, furnishers must conduct a reasonable investigation and report results Case Law Support : XXXX XXXX XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) established that furnishers must conduct meaningful investigations of consumer disputes XXXX. Potential Violation of UCC 9-616 - Failure to Provide Explanation of Deficiency Evidence : No indication that XXXX XXXX XXXXrovided a post-sale accounting Legal Standard : After disposition of collateral, secured parties must provide obligors with an explanation of any deficiency or surplus Relevance to FCRA : This violation supports the claim that the reported information is materially misleading Additional Legal Considerations Potential FDCPA Violations ( if XXXX XXXX is acting as a debt collector ) Misrepresentation of the character, amount, or legal status of the debt ( 15 U.S.C. 1692e ( 2 ) ( A ) ) Use of unfair practices to collect a debt ( 15 U.S.C. 1692f ) State Law Considerations Texas Business and Commerce Code 9.616 requires secured parties to provide explanations of deficiency calculations Texas Deceptive Trade Practices Act may provide additional consumer protections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
I want to be absolutely clearthis complaint is not made in error. My credit report contains inaccurate information that fails to meet the required standards of maximum possible accuracy. These errors are causing serious and ongoing harm to my financial well-being, and the consequences are far-reaching and deeply distressing.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm trying to get back into my Experian account but the phone number that's on the account is a phone number I no longer have access to. I'm trying to change it to my new one but I can't reach anybody at the company so I need help. The number on the account is ( XXXX ) XXXX and the one I want to change it to is ( 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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
-List all accounts 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 15 U.S Code 1636 15 U.S Code 1692g I looked at my Experian credit report on ( XX/XX/2025 ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of Inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are supposed to 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 non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : XX/XX/XXXX | SSN ( Last XXXX ) : XXXX Email : XXXX Phone : ( XXXX ) XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Reinquiry - Incomplete Investigation of Closed and Disputed Accounts To Whom It May Concern, This letter follows up on my previous CFPB dispute ( Case # XXXX ), closed by Equifax without providing required verification documentation. 
The following closed accounts were marked " verified '' without any tangible evidence : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX  You did not provide original contracts, billing statements, or confirm investigation methodology. This fails to meet FCRA 611 compliance standards. The accounts remain derogatory and are damaging my credit. 

Further concerns ignored : - Unverified collections ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Unauthorized inquiries ( XXXX XXXX, XXXX XXXX ), still showing without explanation- No explanation for the dismissal labeled " non-monetary relief, '' despite harm from denials and high interest I am requesting : - Verification documents ( contracts, payment history, source communications ) - Removal or correction of unverifiable and inaccurate items- Deletion of outdated inquiries- Assurance against unauthorized reinsertion Please consider this an urgent reinvestigation request under FCRA. I retain all supporting documents and am prepared to escalate through CFPB and legal means if necessary. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: EQUIFAX, INC.
State: PR

Complaint narrative:
XXXX XXXX ( XX/XX/XXXX ) Equifax XXXX XXXX ( XX/XX/XXXX ) TransUnion XXXX XXXX XXXX ( XX/XX/XXXX ) Experian CAPITAL XXXX ( XX/XX/XXXX ) Equifax XXXX XXXX ( XX/XX/XXXX ) TransUnion XXXX XXXX ( XX/XX/XXXX ) Experian XXXX ( XX/XX/XXXX ) Equifax XXXX XXXX  ( XX/XX/XXXX ) Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
So I was involved in accident with my truck and my insurance XXXX XXXX and there financial institution XXXX XXXX issued a check to my company and another shop who could do the repairs I then tried to deposit it in my business account not knowing I needed the other endorsement Chase suspended my funds and the insurance company wont reissue another check I owned XXXX XXXX of the vehicle. Just need some help on what to do thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: IL

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: IL

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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