vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: OH

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 XXXX 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 youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  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 2025-12-01 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: OH

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 XXXX 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 youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  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 non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
This complaint supplements CFPB Case # XXXX. After reviewing additional records, I discovered unauthorized account activity that occurred while I was incarcerated from XXXX XX/XX/year> to XXXX XX/XX/year>. I have attached my XXXX PD arrest report and court bond/release documents confirming I was in custody and unable to access any Navy Federal accounts . 

During this period, my legitimate checking account ending in XXXX had an unauthorized checking account ending in XXXX and an unauthorized savings account added to it without my knowledge or approval. My XXXX 2020 statements also show debit card and ATM transactions that occurred during my incarceration, when I did not possess my debit card or have any ability to authorize transactions. 

I requested transaction logs, card issuance history, fraud-review documentation, and account-opening records from Navy Federal, but the institution did not provide the information. The accounts and transactions associated with this time period could not have been authorized by me. I am requesting full review and investigation of these unauthorized accounts and transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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 submitting this complaint regarding the following accounts, which I believe are being reported inaccurately. Below are the details of the accounts in dispute, separated by bureau. 

Charged Off Accounts : TransUnion ( TU ) : Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$3200.00} Late Payments : TransUnion ( TU ) : Account Name : XXXX XXXX  Account Number : 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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America placed a Suspected Fraud Activity flag on my checking account ending in XXXX, closed on XX/XX/XXXX. I was the victim of fraud, not the perpetrator. A fraudulent check was deposited into my account without my knowledge that it was fraudulent. 

Bank of America reported NO monetary loss, yet the account was coded as fraud to ChexSystems and Early Warning. This is inaccurate, damaging, and violates FCRA 607 ( b ) ( maximum possible accuracy ). 
Bank of America incorrectly reported Suspected Fraud Activity on my former checking account, ending in XXXX, which was closed on XX/XX/XXXX. I was the victim of a fraudulent check, not the perpetrator. I deposited a payment for legitimate work without knowing the check was fraudulent. I did not commit fraud, and Bank of America suffered no monetary loss. 

ChexSystems and Early Warning both show : NO monetary loss Consumer disputes this information Verified by Bank of America Bank of America refused to correct the fraud code even after I filed a dispute. They also failed to provide any documentation showing that I personally engaged in fraudulent behavior. 

In XX/XX/XXXX, Bank of America sent me a promotional mailer at my home address inviting me to open a new checking account and offering a cash bonus of up to {$500.00}. This mailer included a personalized offer code ( XXXX ). This contradicts XXXX XXXXXXXX XXXX internal fraud coding, demonstrating that their own records do not support the fraud designation. 

This contradiction suggests the reporting is inaccurate, outdated, or improperly maintained violating FCRA 607 ( b ) s requirement to ensure maximum possible accuracy. The inaccurate fraud flag is causing direct harm : denials of bank accounts, adverse action notices, a lowered ChexSystems score, and an inability to access basic financial services. 

I am requesting CFPB assistance to require Bank of America to : Conduct a full reinvestigation. 

Provide evidence of fraud ( if any ). 

Remove or correct the fraud code. 

Update XXXX  and XXXX XXXX XXXX with accurate information. 

I am attaching copies of the correspondence, my dispute letter, and the Bank of America promotional mailer that contradicts it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding several inaccurate items appearing on my credit report. Below is a list of the disputed accounts, categorized by bureau. I respectfully request that you investigate these items and correct any errors in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$380.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$96.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXXXXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} Late Payment Accounts XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-12-01 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
This complaint is against ford credit. For credit repo, my car in the middle of the night without warning. This was a wrongful repossession. I got no letters about there.Was a problem with my account. I got no emails if there was a problem with my account.And I got no phone calls or text messages. When I tried to get the car back, they told me I can't get the car back. Even when I was willing to pay for it. They said, i'm not allowed to have my car back. I spoke to them today.They were very nasty with me. The first representative I spoke to this morning said I could get my car back, and then when I called at XXXX o'clock, when they told me to, they said I could not get it back at all. There was so much miscommunication. I only have XXXX car between me and my wife. That is the car that they took. I have a XXXX and my wife has a XXXX. Only my wife requires medical treatment.Every single week. There's no way my wife could get to any of her doctor appointments.Anything or do any of her treatments without the car. I also can not get to work. They also had my wife 's medical supplies in their equipment and stuff like that.And I had my work clothes and they told me I could not even get my belongings. Then, when they finally gave me the info for the place where the car was at, they told me that the repo place is closed for the dead even though I was calling since XXXX o'clock this morning to ford. Telling them how important my wife 's stuff is in their car. My wife need some medical stuff that is in that car. Without a car, I won't be able to work.And my wife won't be able to get her medical treatment.I need help. Please.I am begging anybody to help me to have some sympathy here and compassion. This is the holidays. Please I beg of all of you not to leave me without a car. I don't know what happened. When I spoke to them this morning, they said it was for nonpayment, but I was about to pay them when my account was compromised by XXXX XXXX have the proof for that. Somebody wiped out my bank account. My bank account was closed down during the investigation, so I have to wait for my payroll checks to come in.The mail which I did not receive yet. Please.I am begging anybody at this point to help me. My wife 's help will decline if I don't get this car back. She will get worse. Please, if anybody has any sympathy or compassion out there they will help. I'm willing to pay for my car. But I also need my stuff that is in that car too today.No later than that. How can they do this XXXX people that has a XXXX. Whoever took my car could see my handicapped placards. I'm exit for any help out there. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX fl XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: NV

Complaint narrative:
Dear Sir/Madam, I am submitting this statement regarding accounts that are in dispute on my credit report. Below is a breakdown of the accounts I am disputing, separated by bureau. 

Inquiries XXXX, XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: SC

Complaint narrative:
I am writing to dispute several items on my credit report. Below are the accounts I am disputing, organized by bureau : Charged Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding the unilateral closure of my XXXX accounts by Bank of America, which I had maintained for more than XXXX  years. 

I did not receive any formal written communication about this decision. The only notice I received was an email informing me of the cancellation of my XXXX service. Shortly thereafter, my accounts were debited, and I was informed that a check would be mailed to my address. 

On XX/XX/year> and XX/XX/year>, I sent an email to Bank of America requesting : * A written explanation of the reasons for the account closure, as this documentation is important for my financial records and for any future claims. 

* A customer reference letter confirming my history as a client for over XXXX  years, which would serve as proof of my banking relationship and reliability should I need to open accounts again with Bank of America or with another financial institution. 

To date, I have not received a response to my request. I am concerned about the lack of transparency, the absence of formal communication, and the potential impact this may have on my financial history. 

I respectfully request that the CFPB review this matter and ensure that Bank of America : * Provides a formal written explanation of the reasons for the account closure. 

* Issues a customer reference letter confirming my long-standing relationship as a client. 

* Assures that my credit history will not be negatively affected by this action. 

Thank you for your assistance in ensuring fair treatment and transparency in this matter, and I wait for your help to solve this and obtain the requested written information. 

Best regards..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-01 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: COMMERCE BANK
State: KS

Complaint narrative:
I was advised in XXXX  by a representative of my local Commerce Bank branch in XXXX, Kansas that due to the recent death of my husband, who was a joint owner of our checking account, that if the situation arose of my incapacitation, that I should add a signatory on to my checking account. I had no intention at this time or since to add any joint owners to my checking account. I decided to add my adult daughter as a signatory to my checking account at the advice of those at the XXXX XXXX bank. I had never previously considered adding a signatory to my checking account. To the best of my recollection, I was never presented any information, contract, or documentation regarding this process. My daughter was asked to sign what I understood to be a card to capture her signature. To the best of my recollection, I had not seen and was not presented or provided with a copy of this or any contract or document that my daughter had signed. I have been under the impression since that time, that my daughter was solely a signatory, and have not asked her to take any action on this checking account or sign any checks or contracts related to this checking account. Since this checking account was first opened with XXXX XXXX XXXX  in the late XXXX, my XXXX children, including my daughter have been listed as beneficiaries. 
On XXXX, due to concerns of legal action against my daughters ' husband, I inquired if this would potentially affect my checking account due to my daughter being a signatory. The branch representative informed me that according to their records that my daughter had been removed as beneficiary and was now listed as co-owner of my account. I then requested that for my protection that my daughter be removed as co-owner and again made beneficiary. I was directed to a personal banker who said that according to the bank 's rules, this was not possible. They said that the account would need to be closed and a new account created. I informed both branch representatives that these terms were unacceptable to me. I have called Commerce Bank 's corporate office and been told the same terms. 
I am now filing this complaint with your office seeking a simple resolution. I feel that I was seriously ill-informed about the process and consequences of this change to my checking account. I feel that these changes were made without my full knowledge and express permission. I feel that I have been taken advantage of during an emotionally difficult time. I have had the same checking account number for over XXXX years. I feel that it would be an extreme hardship for me to have to get a new account number, order new checks ( I recently ordered new checks ) and change the checking account number on all my other accounts where I have had deposits and payments in place for many years.

Company response to consumer: Closed with explanation