vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Formal Complaint Against Bank of America Fraudulent Correspondence, Financial Mismanagement, and Security Failures I am submitting this complaint against Bank of America due to their ongoing negligence, fraudulent correspondence, financial mismanagement, and failure to provide adequate security for my account. These issues have caused me severe financial hardship and distress. 

XXXX. Fraudulent Correspondence & Misrepresentation I have received multiple fraudulent emails and documents from individuals claiming to be part of Bank of America 's resolution department regarding my account ending in XXXX. 

These documents contained misleading information about my claims and provided contradictory details about the status of disputed transactions. 

Upon calling Bank of America, representatives either denied the existence of such correspondence or gave conflicting explanations, raising concerns about internal fraud or miscommunication within the institution. 


XXXX. Financial Mismanagement & Mishandling of Disputed Transactions My account has been subjected to unauthorized transactions, which I did not make or authorize. 

Despite reporting these fraudulent charges, Bank of America failed to properly investigate, provide clear responses, or reimburse the funds. 

I have received multiple inconsistent responses from their representatives, leading to further confusion and financial distress. 

Bank of Americas mishandling of my case has caused significant delays, leaving me without access to essential funds needed for living expenses. 


XXXX. Security Failures & Lack of Proper Protection Bank of America has failed to implement security measures to protect my account, despite my repeated requests for enhanced safeguards. 

I have been a victim of identity theft, yet Bank of America has refused to take proper action to secure my financial information or provide fraud protection. 

Their negligence in handling security breaches has directly contributed to ongoing fraudulent activity on my account. 


XXXX. Requested Resolution I request that the CFPB investigate Bank of Americas practices, specifically : A full refund of all disputed and unauthorized transactions on my account. 

A review of the fraudulent correspondence and an explanation of how such misrepresentation occurred. 

An audit of Bank of America 's fraud prevention measures to determine if they are adequately protecting customers. 

Compensation for financial damages and distress caused by their negligence. 


I have attached all supporting documents, including copies of fraudulent emails, statements showing unauthorized transactions, and records of my correspondence with Bank of America.

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 2025-02-24 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Same complaint as in XXXX. Address is again Missing from credit report. I have sent multiple times ID information to have my address readded to my acct. The Fact that Experian refuses to keep my address on record is concerning to me. 

Also they have my acct in a " Special Services '' department because I followed the FCRA and advised them many years ago that I would seek legal action if my credit file was not updated. It still has not been by the way. The reaason for the " Special Services '' department according to Experian is so that I may recieve 1 on 1 dedicated care, but yet they refuse to update my report or keep my personal information on my profile so that I may follow through with disputes and such. 

I have to call the " Special Services '' department department during regular working hours ( XXXX ) when a normal consumer can call until XXXX XXXX  EST and when I do call with a dispute or bring up valid dispute reason the " Special Services '' department always finds a reason not to dispute or remove an item.

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 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
I received at 1099 from Cash App for funds received in XXXX I do not have a Cash App account. This is a fraudulent account that was started in my name/SSN. I did not receive the funds, and no funds were taken from me, but the 1099 shows income that I would have to pay taxes on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 2025-02-24 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX ( XXXX ) XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX, XXXX. XXXX, GA XXXX. 

Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax Information Services, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Equifax for its failure to properly investigate consumer disputes, citing sham investigation and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX XXXX Experian XXXX XXXX XXXX XXXX, Tx XXXX Subject : **Dispute of Inaccurate Information under 15 U.S.C . 1681i** Dear Experian, I am writing to formally dispute the following information on my credit report under **15 U.S.C. 1681i**, which requires you to investigate and correct any inaccurate or incomplete information. 

Upon reviewing my credit report, I found the following inaccurate item ( s ) : - **Account Name** : XXXX XXXX XXXX **Account Number** : XXXX - **Disputed Information** : I have never had an account with XXXX XXXX I believe this information is incorrect for the following reasons : I have never had an account with XXXX XXXX and have no knowledge of this account Please investigate this matter and correct or remove the disputed information from my credit report. As required by **15 U.S.C. 1681i**, I expect you to conduct a reasonable investigation into the accuracy of this information, and I request that you notify me in writing of the outcome of the investigation within 30 days of receipt of this letter. 

In addition, I request that you provide me with the name, address, and phone number of any party that you contact in relation to this dispute, as well as any documentation that supports their findings. 

If any information is found to be inaccurate or unverifiable, I ask that you delete or correct it accordingly. Please provide me with an updated copy of my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-02-24 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: GA

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

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My name is XXXX XXXX I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. These late payments are dramatically hurting my credit score. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, all information furnished to credit reporting agencies must be complete and accurate. I formally request that you : Provide proper verification of the late payments, including the original creditors documentation confirming these delinquencies ' accuracy and reporting dates. 
If you are unable to verify this information with proper documentation as required by federal law, I request the immediate removal of all late payment notations from my credit reports with all reporting agencies. 

Additionally, I would like to point out my commitment to maintaining a positive credit history. Aside from these isolated late payments, my account has been managed responsibly. Given this, I am also kindly requesting, as a gesture of goodwill, that these late payments be removed. Such an adjustment would better reflect my overall payment history and allow me to continue building a strong financial profile. I will also attach my credit report, and you can see all the inaccuracies in each bureau

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 2025-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, an appointment was scheduled with XXXX for an initial exam of getting aligners. Following the appointment, I signed up for the program and received aligners apart of my kit. Every so many weeks it was required to change out the aligners over the course of a year. There were many aligners did not fit properly and did not meet the standards required for this treatment plan. XXXX filed for bankruptcy and closed all locations in my area. I was no longer able to receive treatment once everything took place, but we were still expected to pay monthly installments of {$83.00} and therefore remitting the full balance even though my treatment was interrupted and was not able to be continued. I then stopped making the scheduled payments. On XX/XX/XXXX I received a letter from TekCollect ( debt collections ) demanding the remaining payment on my account. Since receiving that letter I tried reaching out to XXXX on multiple occasions and the team and service members failed in assisting me with any issues/questions regarding these payments. On XX/XX/XXXX I sent a dispute email to TeKCollect notifying them of the breach of contract with XXXX and the stoppage of services/treatments and informed them there is no legal enforcement to pay the remaining balance due to breach of contract. 

Any assistance would be appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of my student loan debt by Mohela on my credit report. According to Mohelas communication dated XX/XX/XXXX, there were {$1000.00} in fees added to my principal amount of {$340.00}. In a good faith effort to avoid negative discrepancies on my credit report, I made a payment of {$340.00}. However, this payment was subsequently reversed by Mohela, resulting in a reported delinquency on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 non-monetary relief
Consumer complaint received 2025-02-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I noticed several un authorized new inquiries on my credit reports I reached out to all three credit agencies to have them removed and I was denied, per my right I have filed an FTC report.

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 2025-02-24 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: NC

Complaint narrative:
I have different but similar names reporting on my credit report. I have an address that I'm unfamiliar with on my credit report. I also have an employer who I'm not familiar with. I have reach out to XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to XXXX XXXX XXXX XXXX I have reached out to EXPERIAN INFORMATION SOLUTIONS , INC . I have disputed these inaccuracies providing proof to these CRA 's and they have yet to remove them from my credit report.

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 2025-02-24 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of 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 2025-02-24 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: MN

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation