vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
On XX/XX/XXXX i have sent Transunion a Certified mail with Electronical Signature return, which i have email as confirmation that they have received my mail on XX/XX/XXXX!! 

First time that i have called Transunion, i got told to create an FTC report and together with a copy of my ID, SSN copy to mail it to Transunion. 

A brief letter that i have created from XXXX as a help method, also attached and sent it to them on XX/XX/year>. 

Since then, i keep calling them every week. Every week i get told different things, transferred many many times to speak with a supervisor. All the time getting verified and promised that it will be deleted in 48hours, but nothing happened and their customer service is TRASH BIG TIME!!! 

Today i got very XXXX off after speaking with a XXXX  Supervisor for XXXX hours and XXXX minutes, spoke on XX/XX/year> at XXXX. It was the worst experience i ever had. After reading in many places, now i understand why they get Sued every time, because its a disaster customer service, all based in XXXX, XXXX and all part of the world where nobody has a clue what you telling them. Transunion has violated my Consumer Rights today. By blaming me that my documents that i have sent to them are made by a " THIRTH PARTY '' Which is absurd and Fraudulent from Transunion to say or do so. After i am done with this reporting, i will put them Legally liable for these violation on a lie based acquisition of me and the Consumer Rights.

They are very stubborn and not able to listen to a customer complai
nt, in the end of the day ITS MY CREDIT REPORT and not theirs!!! They are created to follow the Consumer Rights and not to play FAKE police!!! Even if it was done by a " THIRTH PARTY '' legally they are not allowed to cancel my request and not to do a investigation to that matter. They are ridiculous and non professional at all!!! Will report them by XXXX  and everywhere as well. 

For stubborn people who work in Transunion, Please see attached files for every word that i mentioned in this message, you will find a copy of my XXXX  letter for the dispute that i have created, copy of the FTC report that i got told to do so from TransUnion and some copies of my ID. Until legal steps will be taken.

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/year>, I was unexpectedly billed by XXXX for {$1500.00} related to the XXXX XXXX XXXX XXXX XXXX ( Invoice # XXXX, issued XX/XX/year> ). I am a XXXX XXXXXXXX and believed I was using a low-cost, subscription-style program suitable for personal learning projects. 

Timeline : I last accessed XXXX XXXX on XX/XX/year> for initial setup/testing. 

I did not log in, make API calls, or otherwise use the XXXX XXXX XXXX service during the disputed billing period ( July 2131, 2025 ). 

Despite this, XXXX invoiced me for enterprise-level usage I did not knowingly generate. 

My actions : On XX/XX/year>, I disputed the charge directly with XXXX Collections and requested cancellation and a refund. 

XXXX staff acknowledged my request and confirmed termination of the subscription effective XX/XX/year>. 

Despite repeated follow-ups, XXXX refused to reverse the charge, citing usage reports even though I provided screenshots showing no activity from my side. 

On XX/XX/year>, XXXX confirmed termination but still denied the refund, stating charges were genuine despite my lack of activity. 

Additional charges : On XX/XX/year>, I was billed again for {$2400.00} covering XX/XX/year> service, even though my cancellation was confirmed effective XX/XX/XXXX. 

This left me with nearly {$4000.00} in charges for services I did not knowingly use. XXXX refused to escalate or resolve the matter, instead redirecting me to technical teams while Collections continued to demand payment. 

I am a XXXX, not a business. I believed I was using an affordable subscription service and never expected enterprise-scale charges. I can not afford nearly {$4000.00} in unexpected bills this amount is equivalent to a XXXX XXXX XXXX. I am XXXX this XXXX, and I am concerned about the impact these disputed charges could have on my credit standing if unresolved.

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 2025-09-09 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: NC

Complaint narrative:
I was charged for items not received, I filed a claim on XX/XX/year>, and received the following letter on XX/XX/year>. 

Claims Resolution, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Update On Your Claim Account ending in XXXX Date XX/XX/year> Claim number : XXXX Amount : {$3500.00} XXXX, weve submitted your claim to the merchants bank and were waiting on their decision.

Right now, theres nothing you need to do. They have up to 45 days to respond to the claim and provide a decision. If they dispute your claim, please be sure to hold onto any receipts or related documents in case we need them. 
MERCHANT NAME AMOUNT PURCHASE XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$3500.00} Once weve resolved the claim, well send you a letter for your records.

For updates on your claim Were here for you every step of the way. Its easy to check the status of your claim by visiting the Online Banking Message Center at bankofamerica.com.

We appreciate your patience. 
Bank of America and the Bank of America logo are registered trademarks of the Bank of America Corporation.

Bank of America , N.A . Member FDIC. 
For Internal Use Only XXXX XXXX It has now been over 45 days and Bank of America refuses to provide me a refund, they state the merchant and their bank have not responded and they have 45 Business days to respond.

Now when I call they say they filed this under a regular dispute and not a Reg. E dispute so they have 90 days or more and they do not have to supply a provisional credit.

I am being lied to and given the run around, it has been more than 45 days and I want my money for services not rendered returned to my account, I shouldn't need to wait an additional 45 days or more when I received a letter stating 45 days and it has now been more than 45 days and Bank of America has confirmed they have not received any corespondence from the merchant.

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 2025-09-09 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: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TN

Complaint narrative:
Ok so I bought the car XX/XX/year> around XX/XX/year> I returned the car I was supposed to get a refund it never came by XX/XX/XXXX I disputed it was denied the very next day I disputed it for not giving the refund I did it again on the XXXX next day denied I did it again on the XXXX was denied in 2 days they are not looking into my dispute just denying it I need this money back the amount was for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to request the removal of a charged off account from my credit report. The account in question is with WELLS FARGO XXXX XXXX and is listed under the account number XXXX I have either settled this account or believe it to be inaccurate, and I kindly request that it be removed from my credit report to reflect my current credit status. Please confirm the receipt of this request and let me know if you require any additional information. Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
My account has been unjustly frozen since the end of XXXX. I was the victim of fraudulent transactions, which I have been unable to properly report despite repeated attempts. Each time I contact customer support or visit a branch, I am given inconsistent information and no resolution. 

The only financial platform I knowingly signed up for was XXXX. I did not authorize the disputed transactions, yet the bank has continued to restrict my access to my funds for over three months. I believe this prolonged freeze is unfair, especially as I am the victim of fraud, not the perpetrator.

Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. 1005 ), a consumer has the right to dispute unauthorized electronic transfers and receive a timely investigation. Regulation E requires financial institutions to investigate a reported error within 10 business days ( with a possible extension to 45 days if provisional credit is provided ). My case has exceeded these statutory timelines without any resolution, and no provisional credit has been issued. 

Furthermore, under 12 U.S.C. 5531 ( DoddFrank Act, UDAAP provisions ), banks are prohibited from engaging in unfair, deceptive, or abusive acts or practices. Freezing my account indefinitely without proper notice, investigation, or resolution falls within this definition of unfair.

I respectfully request that my account be unfrozen immediately, or at minimum that provisional credit be provided, consistent with federal law. The banks actions have denied me access to my own funds for an unreasonable period, despite clear consumer protections under federal statutes.

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 2025-09-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I paid them the amount of XXXX dollars in the month of XXXX and i requested to terminate my lease for personal reasons which the property manager at the time XXXX agreed to do i paid rent of that month and next month to end my lease they told me they found someone to take over that lease and now its no my credit report as a collection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-09-09 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXXXXXX, Balance : {$71.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
I am writing to dispute the reporting of inaccurate personal information on my credit file. After reviewing my report, I noticed errors in the personal details listed, including [ wrong name/incorrect address/phone number/employer/etc. ]. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and correct or remove this inaccurate personal information to ensure my credit file reflects only accurate and verifiable data.

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 2025-09-09 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XXXX XXXX Date : XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$620.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
I recently received a copy of my credit report and noticed there are several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks are detrimental to my life and credit health.

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 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently received a copy of my credit report and noticed there are several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks are detrimental to my life and credit health.

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Issue : Bank closed my credit card account and withheld earned rewards.

What happened : My Bank of America credit card account was recently closed by the bank, not by me. At the time of closure, I had approximately {$600.00} in unredeemed cash rewards. I had intentionally saved these rewards, expecting to redeem them later as a lump sum. 

When I contacted Bank of America, I was told that because of status or policy, these rewards were forfeited. However, this feels unfair and because : The account was closed by the bank, without giving me any prior chance to redeem. 
The rewards represent funds earned directly from my spending, not a gift. 
I was not given clear notice that my rewards would be lost if the bank decided to close my account. 


This money was earned fairly through purchases I made. Denying me access to it because the bank closed my account not me feels like the bank is unfairly profiting at my expense.

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