vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Company Bank of America XXXX XX/XX/XXXX Thur 25 multiple unauthorized transactions where done on my checking account. 
XX/XX/XXXX XXXX XXXX was wire transferred out of my account. 
XX/XX/year> XXXX was transferred to coinbase. 
XX/XX/year> XXXX was transferred to coinbase. 
These transactions were done without my knowledge. 
On XX/XX/year> I reported these unauthorized transactions to bank of America. 
And coinbase. 
Bank of America has since recovered the XXXX and XXXX from coinbase but denied my claim for the XXXX wire transfer. Wire transfer says /ACC/car repair. 
The bank representative froze the account immediately and told me to go to a branch and open another checking account and manually transfer the remaining funds to the new account. A new debit card was issued and the bank representative took and destroyed the old card. I received a letter about 2 weeks later stating the bank denied my claim because a device that is consistent with previous valid account activity was used Also transaction was in question was authorized by code sent to phone with valid phone number. 
Research not proven No such action done by me. 
If bank of America can recover the XXXX and XXXX which has cleared already which clearly says they believe those transactions were fraud Than why deny the XXXX. These transactions all happened at the same time.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently reviewed my credit report and found something that really concerns me. There's an account reporting ( XXXX  XXXX, XXXX ; XXXX, XXXX ) that I never authorized. I didn't open it, I didn't give permission for it to appear on my file, and I definitely didn't consent to have it reported to any credit bureau. 

I want to be very clear about this : at no point did I give written authorization, verifiable electronic consent, or any other form of permission for this account to be on my credit file. And its presence there has been causing ongoing damage to my financial stability and my reputation. 

LEGAL VIOLATIONS : I've researched my rights under the Fair Credit Reporting Act ( FCRA ), and what TransUnion is doing violates several sections of this federal law : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose : The law clearly states that a consumer 's credit file may only contain information obtained for a lawful permissible purpose. The inclusion of this account and the related hard inquiries without any documented consent constitutes a direct violation of this section. Theyre using and disclosing my non-public personal information without authorization. 

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking Disputed Information : When a consumer submits an identity-theft report to an agency, the credit bureau must block that information within four ( 4 ) business days. I submitted a valid Police Report ( XXXX XXXX. XXXX ) identifying the disputed account and inquiries, yet TransUnion continues to report them, causing ongoing harm and violating this section. 

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy : TransUnion has failed to maintain only accurate, verifiable, and complete information. The absence of valid supporting documentation from either the furnisher or the bureau shows that this legal standard has not been met.

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 2025-10-17 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'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is a formal and final notice. My credit report is a farce, and youExperian, Equifax, and TransUnionare accomplices. The XXXX XXXX account # XXXX reported as " CHARGE-OFF '' is a lie. It is not mine, it is inaccurate, or it is tainted. 

Your violations are not errors ; they are acts of deliberate disregard for the law. Here is your failure, statute by statute : WILLFUL VIOLATION OF 15 U.S.C. 1681e ( b ) : Your procedures are a joke. A " charge-off '' that does not exist is not an " error '' ; it is a catastrophic failure of accuracy. You lack even the most basic protocols to verify data before destroying lives. 

WILLFUL VIOLATION OF 15 U.S.C. 1681i ( a ) : When I disputed this, your " reinvestigation '' was a farce. You did not investigate. You just clicked " re-verify '' and sent me the same garbage. That is not compliance with the law ; it is mockery of it. 

WILLFUL VIOLATION OF 15 U.S.C. 1681c ( a ) : You can not even report the correct Date of First Delinquency ( DOFD ), which means this illegal item may be reported beyond the 7-year limit. This is RE-AGING, and it is ILLEGAL. 

Don't believe me? The courts have already spoken. Your own rulings condemn you : In XXXX XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX DESTROYED the bureau for blindly relying on furnishers. The court stated that " forwarding a receipt is not verification. '' That is EXACTLY what you did to me. It is willful. 

In XXXX XXXX XXXX, XXXX, XXXX court ANNIHILATED the practice of reinserting information without prior notice. Your negligence with my data and your failure to investigate creates the same pattern of deliberate disregard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
On XX/XX/year> the original creditor, XXXX XXXX, mailed my move out statement to an incorrect address which included a remaining balance of {$400.00}. I was unaware of this balance until Rent Debt Collections reached out to me a few months later and when I reached out to the original creditor about this situation they said there wasnt anything they can do since they didnt receive a payment within the 30 day move out period. I explained I never received the letter and when they emailed me the invoice, it shows an incorrect address. Because of this, I believe the debt was assigned unfairly, and I was denied the chance to dispute, verify, or resolve it in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-17 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: WA

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
In XXXX, my employer received and garnished my paycheck by XXXX XXXX XXXX for XXXX XXXX XXXX XXXX on behalf of Comenity Bank ( Tiles Shop ). Then yesterday ( XX/XX/XXXX ), my bank account was frozen due to a levy placed by the same lawfirm representing XXXX XXXX, XXXX. 

The staff at the lawfirm kept telling me that " it's not uncommon for multiple creditors '' to pursue debts at the same time. I said, while I understand what you are saying, it would be very VERY unusual for the exact same amount on the summons that you sent me, to be the EXACT same amount, down to the XXXX on my paystub. 

It took XXXX calls to XXXX and associates to understand what I had been trying to explain to them, for literally years at this point. Once the manager ( that I had to ask to be escalated to ) realized what I was saying, he agreed and apologized to me and said he needs to send it to their garnishment team to investigate. I asked if there is any way that they can remove the levy from my bank account so that my mortgage check can clear ( among other bills ) and he explained that not only could he NOT do that, it wouldn't be an easy or quick process.... EVEN though they have to now actively investigate what happened here. 

Further, the garnishment back in XXXX was for {$2500.00}. There is now a XXXX iteration of this garnishment case # XXXX - XXXX through XXXX. I was never issued a XXXX summons, either. This new amount that they are attempting to collect is for over {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to demand immediate deletion of multiple inaccurate accounts being reported on my credit file by Experian, Equifax, and TransUnion. The following accounts contain material inaccuracies and reflect a pattern of willful non-compliance with the Fair Credit Reporting Act : XXXX Account # XXXX ( Reporting XX/XX/XXXXXXXX )XX/XX/XXXXXXXX Bank XXXX Account XXXX XXXX ( Reporting XX/XX/XXXXXXXX )XX/XX/XXXXXXXX BankXX/XX/XXXXAccount XXXX XXXX XXXX Reporting XX/XX/XXXXXXXX ) XXXX Card Account # XXXX ( ReportingXX/XX/XXXXXXXX ) XX/XX/XXXXXXXX Account # XXXX ( Reporting XXXX XXXX XXXX The credit reporting agencies and furnishers have committed multiple FCRA violations : VIOLATION OF 15 U.S.C. XXXX ( b ) : The furnishers failed to conduct reasonable investigations of my previous disputes. They continue to report inaccurate information without proper verification. 

VIOLATION OF 15 U.S.C. XXXX ( a ) : The credit bureaus failed to conduct proper reinvestigations. Their " verification '' processes are clearly inadequate, as evidenced by the persistence of these multiple inaccuracies across my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I submitted a claim XX/XX/XXXX totaling {$1200.00} Claim number XXXX. Fees in the amount of {$590.00} were reversed from the {$1200.00}. The bank claims fees were reversed due to not receiving Disputed Transactions Questionnaire. I called to follow up XX/XX/XXXX and they explained they had not received XXXX so some fees were reversed. I called again XX/XX/XXXX once I received notice my claim was denied due to not submitting the form. I was advised by a XXXX Representative to submit again via XXXX Chase App which I did and she opened up another claim number XXXX. I called again on XX/XX/XXXX at XXXX am spoke to customer service they told me the previous claim was closed and the new claim opened XX/XX/XXXX was not valid as it was not showing up on their end. I was advised to look at my Mobile App and access the claim online both locations did not show the new claim created XX/XX/XXXX by a Claims XXXX. I called today at XXXX am to follow up and the Claim XXXX. XXXX stated the new claim created XX/XX/XXXX was closed because the charges were listed in a previous claim. I was instructed this morning to call back again on Monday to follow up. I asked follow up on what if there is no open claim to track and original claim showing up as closed. I asked if there was someone else I could talk to and she explained there was no one else above her to escalate. Im already stressing due to no pay during Government XXXX this is just adding to stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax 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 : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am formally requesting the removal of this incorrect account from my credit report, as I did not authorize its creation or use. Attached are the supporting documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: WI

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
INQUIRIES : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2025-10-17 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 am placing this complaint because after reviewing my credit report I have numerous inquiries that do not belong to me, I have addresses in which I have never lived at and accounts that I have never been late on at all. After numerous attempts to remove these issues the credit bureaus have become a mafia style organization and refuse to cooperate. I pride myself on my credit and this civil injury

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 2025-10-17 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: FL

Complaint narrative:
I am placing this complaint because after reviewing my credit report I have numerous inquiries that do not belong to me, I have addresses in which I have never lived at and accounts that I have never been late on at all. After numerous attempts to remove these issues the credit bureaus have become a mafia style organization and refuse to cooperate. I pride myself on my credit and this civil injury

Company response to consumer: Closed with explanation