vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This complaint concerns Bank of Americas refusal to accept and deposit a valid United States Postal Service ( USPS ) Money Order and its subsequent failure to provide a written response, explanation, or remediation. 

On XX/XX/year>, Bank of America personnel refused to deposit a valid USPS Money Order, falsely asserting that the instrument was not negotiable due to the federal shutdown. This statement is legally incorrect. USPS Money Orders remain negotiable instruments under federal law, and no statute or Treasury directive suspended their negotiability. 

I filed a prior CFPB complaint regarding this issue. Bank of America did not provide a written response through the CFPB portal. Instead, I received only a phone call, and when I requested written confirmation or consent to record the call for accuracy, the bank refused. The CFPB subsequently closed the complaint without providing an explanation, resolution, apology, or assurance that the conduct would not recur.

The issue remains unresolved. The funds represented by the USPS Money Order were intended for rent and were refused without lawful basis, causing financial harm and prejudice in an active landlord-tenant matter. Bank of Americas conduct constitutes an unfair and deceptive act or practice under 12 U.S.C. 55315536, including misrepresentation of federal law, refusal to process lawful payment, and failure to meaningfully investigate or remediate. 

I request that Bank of America be required to : Provide a written explanation for the refusal ; Confirm acceptance and negotiability of USPS Money Orders ; Provide appropriate reimbursement or remediation for harm caused, to the extent permitted by law ; and Provide written assurance that this conduct will not recur. 

I am attaching documentation from the prior CFPB complaint showing closure without resolution.

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 2025-12-14 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: TN

Complaint narrative:
I am filing this complaint regarding Equifaxs failure to ensure maximum possible accuracy and to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ) after I formally disputed inaccurate and internally inconsistent information reported for a XXXX XXXX XXXXXXXX credit-card tradeline. 

On XX/XX/XXXX, I submitted a detailed written dispute to Equifax concerning the XXXX XXXX XXXXXXXX credit-card account ending XXXX. The account is reported as charged off with a charge-off amount of approximately {$6100.00}, while simultaneously reporting the same {$6100.00} as the current balance and past-due amount. The payment-history section shows a progression of XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX delinquencies in XXXX leading to charge-off, followed by all months in XXXX coded as CO, while the XXXX balance history reflects the same {$6100.00} balance with no payments for an extended period. 

In my dispute, I challenged the accuracy, completeness, and verifiability of the reported charge-off amount, current balance, past-due status, and delinquency progression. The reporting does not clearly reconcile how the balance was calculated, how late fees and interest were applied, whether any payments or adjustments occurred, or how the accounts legal status changed at and after charge-off. Presenting the same amount as balance, past due, and charge-offwithout transactional reconciliationraises serious concerns that the information is internally inconsistent and misleading. 

Despite my dispute, the tradeline continues to be reported without clear documentation supporting the reported figures and delinquency coding. 

Under 15 U.S.C. 1681i ( a ), Equifax is required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information in their credit file. Under 15 U.S.C. 1681e ( b ), Equifax must follow reasonable procedures to assure maximum possible accuracy. Upon notice of a dispute, the furnisher, XXXX  XXXX XXXX, is also obligated under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation and correct or delete information that can not be verified. 

The continued reporting of this tradeline without clear verification or reconciliation indicates that the disputed information has not been properly reinvestigated and does not meet the FCRAs accuracy requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: Meta Payments Inc.
State: TX

Complaint narrative:
CFPB Complaint Meta XXXX XXXX XXXX ( XXXX ) Product : XXXX / XXXX Issue Type : Platform Design Failure / Spam Handling / Consumer Harm What happened : XXXX XXXX platform continuously delivers large volumes of unsolicited, spam, scam, and XXXX explicit messages into the Message Requests Spam inbox. These messages are not meaningfully filtered, rate-limited, or auto-remediated. Instead, they are retained indefinitely and continue to flood the interface in real time. 

Despite being labeled as Spam, these messages still : Trigger XXXX  loading states Require manual review or deletion Consume user attention and time Create ongoing notification and interface disruption New spam messages continue to arrive while I am actively viewing the spam inbox, forcing repeated refreshes and waiting periods. The platform provides no option to : Auto-purge spam after classification Temporarily suspend inbound requests Bulk block entire spam campaigns Enforce stronger preventative controls This design shifts the burden of spam management entirely onto the user. 

Impact on the consumer : Continuous exposure to scam and explicit content Repeated interruption of normal app use Time loss managing content already identified as spam Increased stress and cognitive load No effective user controls to stop or pause the inflow The issue is not the existence of spam it is XXXX decision to retain, surface, and continuously reload spam content instead of preventing or neutralizing it. 

Why this is a consumer protection issue : XXXX acknowledges these messages are spam but still : Allows unlimited inbound delivery Retains them indefinitely Forces user interaction to resolve them Provides no meaningful opt-out or suppression mechanism This creates a recurring harm loop where users must repeatedly engage with content the platform already knows is abusive or fraudulent. 

Whats a fair resolution : 1. Meta must implement automatic deletion or expiration of spam-classified messages.

2. Provide users the ability to pause or block all unsolicited message requests.

3. Introduce stronger spam rate-limiting and campaign-level blocking.

4. Stop surfacing spam content once it has been classified.

5. Acknowledge that current spam handling places an unreasonable burden on users. 

This complaint is submitted because XXXX current design knowingly allows repeated spam flooding while offering no effective consumer-level control to stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
Bank of America, without conducting the minimum level of due diligence required by law, unduly approved a credit card in 2024 under my name because an individual who unlawfully stole my identity. That individual fraudulently opened the account, exceeded the authorized credit limit, and caused substantial and ongoing damage to my credit profile. 

As a direct result of Bank of Americas failure to exercise reasonable care and implement adequate identity verification procedures, I am suffering continuous harm to my credit score, financial standing, and personal well-being. This situation has turned my daily life into a persistent ordeal. I am being victimized repeatedlyfirst by the identity thief, and again by the systemic failures of third parties whose actions and omissions have enabled and facilitated this illegal conduct. 

The perpetrator has been able to successfully carry out and sustain this fraudulent activity due to the lack of proper safeguards by financial institutions, effectively depriving me of my peace, financial security, and legal protections as a victim of identity theft. Immediate corrective action is required to remediate the damage on my credit score, prevent further harm, and hold all responsible parties accountable.

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 2025-12-14 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:
FCRA Violations & Demand for Deletion Dept of Education / XXXX Accounts XXXX XXXXXXXX ( ALL ) To Whom It May Concern : Experian has confirmed that I am a victim of fraud. Please see the attached information. As it has been confirmed Im requesting the immediate removal

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 2025-12-14 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Original delinquency year : XXXX Judgment year : XXXX Improper removal date : XXXX Same account number : XXXX Re aged my account from XXXX I sent my credit report showing how they added my old debt back to XXXX  credit report as " new '' and also a copy of the mycase report showing it is the same account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: AR

Complaint narrative:
I check my credit report again after disputing frad information. The credit bureaus have not responded and its been over 60 business days. they are violationg FCRA laws

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 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am filing this complaint due to repeated unauthorized transactions on my checking account and the banks failure to properly investigate and resolve the issue. 

Several months ago, an unauthorized transaction totaling approximately mor then {$900.00} was made on my account. I reported the fraud immediately to the bank. Despite my report, the bank failed to provide a timely investigation, did not issue provisional credit, and never communicated a final resolution. 

More recently, an additional unauthorized charge ( approximately {$30.00} related to XXXX XXXX ) occurred, even after the prior fraud report. This demonstrates a failure by the bank to secure my account and prevent further fraudulent activity. I was forced to block the card myself to stop additional losses. 

I contacted the bank multiple times and formally requested an investigation, a refund of the stolen funds, and confirmation that my account and cards were secured and closed. The bank did not provide a meaningful response or resolution. 

This situation has caused financial harm, emotional distress, and a loss of trust. The banks actions appear inconsistent with its obligations under the Electronic Fund Transfer Act and Regulation E regarding timely investigation and consumer protection. 
After reporting the initial fraud, the bank closed my compromised card/account and issued a replacement. Despite this corrective action, unauthorized transactions occurred again on the new card/account. To this day, further attempted fraudulent charges continue to appear, though no additional funds have been lost due to lack of available balance. This demonstrates an ongoing failure by the bank to adequately secure my account.

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Fresh Holdings Inc
State: WA

Complaint narrative:
XXXX took a loan out XXXX. It only became unenforceable in Washington on XXXXXXXX XXXX XXXXXXXX XXXX XXXX the day the Predatory Loan Prevention Act kicked in and capped consumer loans at roughly twenty-five percent APR ( plus fees ). Anything with a higher true cost became void and uncollectible in WA from that date forwardeven old loans. So in your CFPB complaint, just say : Loan originated XX/XX/XXXX but exceeds Washington 's 25 % rate cap that took effect XX/XX/XXXX ( RCW XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I requested waiver of an interest charge of 28.99 % applied by CitiBank by reason of a single late credit card payment. Upon receipt of a text message from CitiBank on XX/XX/year>, informing me that a payment was overdue, I immediately contacted CitiBank to make a payment. I informed a CitiBank representative that I could not locate an electronic statement from CitiBank for XX/XX/year> and requested a waiver of the additional abusive interest charge. I was informed, however, that CitiBank policy did not permit reduction of the interest charge until the account was paid in full and that it made no difference that I had not received a timely statement of account or that my credit score and payment history were excellent. Among other things, it makes no sense that CitiBank conditions the waiver of interest penalties on an account being fully paid, while simultaneously profiting from imposing exceptionally high interest rates on accounts which, by definition, can not be fully paid. Notwithstanding the lack of any legal restraint upon usurious interest rates charged by credit card companies, I request that the CFBP enforce its mission statement and ensure that banks treat consumers fairly.

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15USC 1692g stating your claim is disputed and validation is requested. 

XXXXI sent a debt validation back in XXXX but never received anything. 
XXXX XXXXI sent a debt validation back in XXXX but never received anything. 
XXXX XXXX XXXXI sent a debt validation back in XXXX but never received anything.XXXX XXXX XXXXI sent a debt validation back in XXXX but never received anything. 
XXXX Financial-I sent a debt validation back in XXXX but never received anything.

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 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got my purse and phone stolen. There was a capital one and XXXX account opened without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by WFBNA / Wells Fargo. 

This account is being reported with material inaccuracies across credit bureaus. Specifically, XXXX  is reporting a future Date Reported of XX/XX/2025, which is impossible and inaccurate. In addition, the payment history and dates of last activity are inconsistent between XXXX XXXX and XXXX  for the same account. 

The account is closed and paid with a {$0.00} balance, yet derogatory late payment history continues to be reported inconsistently. This indicates the information is not being reported with maximum possible accuracy. 

I formally requested the method of verification under FCRA 611 ( a ) ( 7 ), including the documents reviewed, system used, and parties contacted to verify the late payments. I also submitted a direct dispute to WFBNA under FCRA 623 requesting documentation to validate the reported late payments, including a complete payment history ledger and proof of each late payment. 

Neither the credit bureaus nor WFBNA provided the requested documentation. The information remains inaccurate and unverifiable. 

Continued reporting of this account violates FCRA 1681e ( b ), 611, and 623. I am requesting immediate deletion of this account and all associated derogatory payment history from my credit reports and written confirmation that deletion instructions were sent to all credit bureaus.

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hereby demand the prompt removal of all fraudulent information from my credit file. I am a victim of identity theft and did not provide authorization for the accounts or inquiries listed in the attached documentation. This matter has been reported to the Federal Trade Commission ( FTC ), and I have attached a copy of my official Identity Theft Report as required. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally required to block and delete all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documentation. Any continued reporting of this false information constitutes a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This serves as your final warning remove the fraudulent information immediately or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have no knowledge of these accounts therefore I could not have given consent, they are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit report contains outdated and inaccurate addresses that are not my current mailing address. These incorrect addresses are being reported alongside my credit information and are causing improper matching and verification issues. 

I previously attempted to have this corrected, but the inaccurate addresses remain on my credit file. My correct and only current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Any other address appearing on my credit report is inaccurate, obsolete, and should be removed. I am requesting that all previous addresses be deleted and that my records be updated to reflect only my correct address.

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 2025-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is requiring payment to update credit score. They have not updated since XX/XX/2025, per XXXX  credit reportig. Trans has added an account that is not mine and when i dispute it, they started ot was valde with no evidence support their findings Addionally, they have not sent a free credit report. I was able to see credit score transunion is reporting through XXXX. When i logged in tio ser my credit score, they don't provide it and loop me into dead end links. See attachment.

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 2025-12-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harris & Harris, Ltd.
State: MI

Complaint narrative:
Harris & Harris has tried to collect a debt not owed several times since my bankruptcy. The debt was a XXXX over charge. XXXX actually sent me a {$46.00} check. The debt was discharged in bankruptcy in any case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: OH

Complaint narrative:
i happen to look at my credit report and notice i had fraudulent accounts on my profile and would like them deleted and remove from my credit report

Company response to consumer: Closed with non-monetary relief