vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
paid for a product on XXXX {$280.00} on XX/XX/XXXX. seller never sent item paid for. requested a cancellation which the seller denied. filed a dispute with my bank ( bank of america ) in which they told me even though i had provided all of the information proving that this order was never even shipped by the seller, that it could take up to 90 days to issue a credit while ebays bank researches the matter. i have begged and pleaded to receive a temporary refund on my account but have gotten nowhere. everyone puts the blame on the next person and says there is nothing they can do even though its been over a month since i paid for the product that i did not receive

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 2025-08-14 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The companies have failed to comply with the Fair Credit Reporting Act by continuing to report fraudulent accounts and unauthorized inquiries despite receiving my FTC Identity Theft Report, government-issued ID, proof of address, and full documentation. This is a direct violation of : FCRA 605B Failure to block identity theftrelated data within 4 business days.

FCRA 611 Failure to conduct a proper reinvestigation and remove unverifiable data.

FCRA 604 Retaining inquiries with no permissible purpose.

18 U.S.C. 1028A Effectively aiding in aggravated identity theft by knowingly reporting fraudulent information. 

This ongoing misconduct is causing continued financial harm, reputational damage, and emotional distress. I am demanding immediate permanent deletion of all fraudulent accounts and inquiries in question, blocking of any associated identity theft data, and issuance of a corrected credit report with written confirmation. If the companies can not produce documented proof of my authorization for each account or inquiry, they must remove them immediately. 

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

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 2025-08-14 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: GA

Complaint narrative:
I never permitted this inquiry, nor did I engage with this lender on the date in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because Equifax is reporting inaccurate, incomplete, and unverifiable information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, Equifax has failed to conduct a reasonable reinvestigation as required by FCRA 611 [ 15 U.S.C. 1681i ] and continues to publish damaging false information. 

First, my credit file lists the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, which is not and has never been my residence. Under FCRA 605B [ 15 U.S.C. 1681c-2 ], unverifiable personal information must be blocked from my file when disputed, yet Equifax has continued to display it. 

In addition, the following accounts are being reported inaccurately : XXXX XXXX XXXX, Account ending XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XXXXXXXX, Balance {$23000.00} reported with late payments that are not supported by original creditor documentation. 

XXXX XXXX XXXX, Account ending XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$47000.00} also reported with unverified late payments. 

XXXX  XXXX XXXX, Account ending XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX, Balance {$65000.00} reported with late payments without producing any signed agreements or accurate payment history. 

Equifax is also reporting charge-off accounts without sufficient verification : XXXX XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$8400.00}. 

XXXX  XXXX XXXX, Account ending XXXX XXXX XXXX Date Opened XX/XX/XXXX, Balance {$0.00}. 

XXXX XXXX XXXX, Account ending XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX, Balance {$4200.00} this account also violates the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) because no debt validation has been provided.

Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], Equifax has a duty to maintain maximum possible accuracy, yet these accounts remain in my file without proper verification from the original creditors. When I requested the method of verification under FCRA 609 ( a ) ( 1 ), Equifax failed to provide the names, contact information, or documentary evidence from the data furnishers. 

The continued reporting of false and unverifiable information has caused me financial harm, including credit denials, higher interest rates, and damage to my reputation. Equifaxs actions constitute both negligent noncompliance under FCRA 617 and willful noncompliance under FCRA 616.

I request that the Consumer Financial Protection Bureau investigate Equifaxs violations, require the immediate deletion of all inaccurate and unverifiable items listed above, and ensure that Equifax implements procedures to comply with the FCRA moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I am the owner of a savings account with American Express containing {$26000.00}. I deposited these funds in good faith and with the understanding that I could withdraw them at any time. I am now in urgent need of my money, but American Express has blocked all online withdrawal and transfer options. 

I am a XXXX individual due to an accident and can not travel to a branch. I rely on online banking from my computer. American Expresss actions are causing severe financial hardship and may be in violation of the Electronic Fund Transfer Act ( 12 CFR 1005 ) and the Americans with Disabilities Act ( ADA ). 

I am requesting immediate intervention to have my online access restored and to withdraw my {$26000.00} without further delay. 
Account Number : XXXX Routing Number : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-14 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: TX

Complaint narrative:
Dear CFPB, I hope this message finds you well. 
I am writing to formally address a matter that XXXX XXXX  XXXX XXXX {$70000.00}, has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law. 
As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-08-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S. 1681 section 602 A states I have the rights to privacy 15 U.S. 1681 section 604 A states 2 it also states a consumer reporting agency can not furnish account without my written consent introduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have been a loyal Bank Of America for over 12 years, On XX/XX/XXXX, I deposited a check at Bank of America XXXX XXXX XXXX XXXX XXXX, XXXX  after being explicitly told by a bank representative that the funds would be available the next business day. The check was an emergency loan from my XXXX, which I paid extra fees to get it delivered ASAP. 
After I deposit the check ( {$9200.00} ), a note was stated on the transaction on the online banking page said that XXXX dollar available on XX/XX/XXXX, available next day to cover debit purchases, full funds available on XX/XX/XXXX, and though it was one day later than what the teller said, but I was fine with that. 
Today, XX/XX/XXXX the bank broke that promise too, changed the hold time to seven ( 7 ) days, and when I called them on the phone, they even refused to return my check so I could deposit it elsewhere. 
I urgently need these funds and now face severe financial hardship. I spoke to three different bank associates, and none offered a resolution. Because of the banks delay and broken promise, I may have to take out a loan to cover immediate expenses. If that happens, I hold Bank of America fully responsible for reimbursing me for any and all loan interest or related costs. 
By changing their original decision and withholding my funds longer than promised, the bank caused this problem and must be fully responsible for all consequences not me. 
This decision has harmed not only my financial stability but also the financial well-being of several members of my family who depend on me. Bank of Americas actions directly caused this harm and violated the trust I placed in them.

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 2025-08-14 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: FL

Complaint narrative:
There are 17 months from XXXX that show no data on my credit report for XXXX XXXXXXXX XXXX XXXX # XXXX There are various other inaccuracies and wrong information for this account as well. I have disputed several times only to be told it comes back as verified. According to the FCRA I am entitled to an accurate and fair credit report and this company is violating this law. They are not properly investigating my dispute because if they were, all they would have to do is look at this account and see all the inaccurate and missing information. Please investigate them and take whatever action necessary to hold them accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-14 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: NJ

Complaint narrative:
ON XXXX I RECEIVED AN EMAIL STATING THAT XXXX XXXX XXXX PLACED AN INQUIRY ON THE CREDIT REPORT. UPON CONTACTING XXXX XXXX TOLD ME THAT THEY WILL INVESTIGATE THE INQUIRY AN TO GET BACK TO ME. NO ONE NEVER CONTACTED ME ALMOST A YEAR LATER GETTING ALERTS ABOUT A CAR THAT I HAD NO KNOWLEDGE ABOUT THE VEHICLE. CONTACTED XXXX TOLD ME THE DEAL WAS DONE AT XXXX XXXX XXXX AN THE DEALER WHO SOLD THE CAR WAS FIRED DUE TO FRAUD. CONTACTED THE CREDIT BUREAUS TOLD ME TO FILE A FTC SUBMITTED THE FTC REPORT. THE MANAGER FROM XXXX  TOLD ME SHE WILL HANDLE THE SITUATION NOTHING WAS DONE CAR WAS DONE WITHOUT MY CONSENT HAVE NO DRIVER LICENSE. WANT THE ACCOUNT TO BE REMOVE INDEFINITE.

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 2025-08-14 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: NJ

Complaint narrative:
ON XXXX I RECEIVED AN EMAIL STATING THAT XXXX XXXX XXXX PLACED AN INQUIRY ON THE CREDIT REPORT. UPON CONTACTING XXXX XXXX TOLD ME THAT THEY WILL INVESTIGATE THE INQUIRY AN TO GET BACK TO ME. NO ONE NEVER CONTACTED ME ALMOST A YEAR LATER GETTING ALERTS ABOUT A CAR THAT I HAD NO KNOWLEDGE ABOUT THE VEHICLE. CONTACTED XXXX TOLD ME THE DEAL WAS DONE AT CHAMPION AUTO DEALERSHIP AN THE DEALER WHO SOLD THE CAR WAS FIRED DUE TO FRAUD. CONTACTED THE CREDIT BUREAUS TOLD ME TO FILE A FTC SUBMITTED THE FTC REPORT. THE MANAGER FROM CHAMPION TOLD ME SHE WILL HANDLE THE SITUATION NOTHING WAS DONE CAR WAS DONE WITHOUT MY CONSENT HAVE NO DRIVER LICENSE. WANT THE ACCOUNT TO BE REMOVE INDEFINITE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently inquired about a quote from XXXX for home security. The technician arrived and started talking to me about services offered and wanted me to fill out a form on his XXXX. I let him know I just wanted to know a price and he informed me that it would just be a soft pull on my credit. I entered my information into his XXXX and was then told the price of the services he offered but was not interested after hearing what the price would be. I then received an email stating that I had just opened a line of credit for {$6000.00} with all the equipment and monitoring service at nearly {$4000.00}. I then got a notification that my credit report was hit with a hard inquiry. This was a big mistake and a total lack of communication from the XXXX technician. I had already decided due to cost of their services that I did not want to move forward but was still swindled into opening a line of credit with this company. The technician left without providing any services other than an estimate and putting a huge blemish on my credit report. I am asking that you please cancel this account and remove the hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I want to file a complaint against equifax XXXX XXXX XXXX about the company world finance.They put a loan on my credit report that I never took with them and they acquired it from another company and I was never notified and there are inaccurate and inconsistent information on this account and I have requested a copy of the loan and payment history from the company several times and they say they will send it and never do.I have disputed this over and over with equifax and asked them to verify the validity and accuracy of the account and when I dispute they just come back very quickly and say we verified when I am sure they didn't and I would like some proof from them on the verification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: GA

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 reporting agency, 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. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief