vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My funds were available on XX/XX/year> to tranfer {$1000.00} from Bank of America to XXXX XXXX which sent 3 confirmations that they did receive the {$1000.00}. I used my money to invest with XXXX XXXX. I pulled out of XXXX three days later after The market took a dive. Then I received a letter from XXXX that my funds never arrived at all because I didnt have enough funds in my bank which I did. Bank of America has no records at all of 3 tranactions I tried to wire the money the first 2 x using Bank of America customer service allowing her to log in to my account and figure out the problem. We realized XXXX had the wrong address listed on their mobile app and I decited to just to EFT like I have in the past. That went through no issues. On the XXXX I get a letter that XXXX changed their story and now they didn't receive my money. Even though my account still said nothing about fund canceled or anything. I have proof.

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 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Avant Holding Company, Inc.
State: OK

Complaint narrative:
One, avant credit card said CHECK to see what your credit line would be. And two, stated would not affect my score. Only wanted to check my limit if decided to get one. End of application stated successful application your card is on the way. Did not want a card only wanted to see if I got one what it would be. Called six six different times in succession put on hold each time for a total of 30 minutes without being able to talk to anyone I have also texted I don't want the card I just wanted if I decided to get one as I've already stated. Plus like I stated also said we're not interfere with my credit score deceiving. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I want reported accounts removed. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I request that this inaccurate information be promptly investigated and removed from my credit report.

I expect a response within the legally required timeframe of 30 days.

Please provide written confirmation that the account has been corrected or removed.

If the account is verified as accurate, I request full documentation proving its legitimacy. 

XXXX XXXX XXXX acct XXXX XXXXXXXXXXXX credit collection serv acct XXXX XXXXXXXXXXXX XXXX XXXX XXXX  acct XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prince Parker & Associates
State: SC

Complaint narrative:
I am writing a formal complaint against XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX due to unfair and deceptive trade practices. 

Background : I was given a price for a XXXX XXXX XXXX XXXX and had XXXX on XX/XX/2024. During which time I was told to return for two follow up visits to ensure the XXXX worked and healed as expected. I was billed {$4100.00} for the initial XXXX, {$460.00} for my first initial follow up, and {$1200.00} for my second initial follow up. Note the same activities took place in my first and second follow up of approximately 15 minutes each for the entire visit although the medical provider documents two different activities.

Complaint : These should have been informed to me before the initial XXXX  and in the XXXX  XXXX. I view this as a deceptive practice, and this violates reasonable consumer expectations.

Additional Considerations : This type of complaint exists online with this medical provider for other consumers suggesting this is a common deceptive or abusive billing practice to mislead patients and insurers alike.

Requested Resolution : I respectively request that this charge be removed from my account and that the provider be directed to cease unbundling of globally covered services without clear patient consent or documentation of medical necessity. I also request that your office investigate whether this billing practice is being applied systemically, in violation of UDAAP.

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 2025-06-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: U.S. BANCORP
State: NY

Complaint narrative:
XXXX of 2024 my dealership purchased the leased vehicle. At the dealership I and the dealership spoke with a few representatives of US bank and was assured the lease was over ( over 30 minutes on phone ) next lease payment was automatically taken from my bank account. I tried to contact customer service and could not get answers. Went to my bank and stopped US bank from automatic payment, and had to go request funds return. About 30 days later I received a call from US with an apology. My funds were returned, approximately a couple weeks later I received a check for {$240.00}. I phoned US bank and asked what to do with check, I made it clear I thought it was a mistake, I was assured it was mine so I deposited it. 4 months later I received a aggressive call from their collection department and I lost my temper. XXXX XXXX XXXX XXXX. XXXX. Eventually a spoke with XXXX end of lease XXXX. And apparently no solution. The hours and time spent and aggravation Is beyond harassment. If I pay this bill will it not happen again. They are a cancer.

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 2025-06-01 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX XXXX XX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : Formal Dispute Under FCRA- Inaccurate Repetitive Reporting of Charged-Off Account Dear TransUnion, This letter serves as a formal dispute under the fair credit reporting act ( FCRA ) regarding the repetitive and inaccurate reporting of a charged-off account by XXXXXXXX XXXX  which is currently appearing on my credit report. 

The XXXXXXXX XXXX XXXX  account in question XXXX is being reported as charged-off repeatedly each month, which is both factually incorrect and in violation of FCRA. 

According to the FCRA, information reported to consumer reporting agencies must be accurate, complete, and not misleading [ 15 U.S. Code 1681 ]. Re-reporting a charge-off monthly is not only inaccurate, it creates the false appearance of a recurring derogatory event, which artificially and unfairly suppresses my credit score month after month. 

Let me be clear : A charge-off is a one-time event that should reflect the original date of occurrence only. Continuing to update the status monthly as if the charge off is renewed is deceptive and noncompliance with the FCRA. 

Action Demanded : Immediately investigate this account with XXXX XXXX. 

Correct or delete the inaccurate monthly charge-off updates. 

Provide a written response within 30 days as requested as required under federal law. 

Failure to correct this error may result in further action including a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action for willful noncompliance with the FCRA. 

I have enclosed a copy of my ID, proof of address, and a copy of the relevant credit report with the inaccurate information highlighted. 

I expect your prompt attention to this matter. please confirm in writing that this dispute has been investigated and resolved. 

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 non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX XXXX XX/XX/XXXX To : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : Formal Dispute Under FCRA- Inaccurate Repetitive Reporting of Charged-Off Account Dear XXXX, This letter serves as a formal dispute under the fair credit reporting act ( FCRA ) regarding the repetitive and inaccurate reporting of a charged-off account by XXXXXXXX XXXX which is currently appearing on my credit report. 

The XXXXXXXX XXXX XXXX account in question XXXX is being reported as charged-off repeatedly each month, which is both factually incorrect and in violation of FCRA. 

According to the FCRA, information reported to consumer reporting agencies must be accurate, complete, and not misleading [ 15 U.S. Code 1681 ]. Re-reporting a charge-off monthly is not only inaccurate, it creates the false appearance of a recurring derogatory event, which artificially and unfairly suppresses my credit score month after month. 

Let me be clear : A charge-off is a one-time event that should reflect the original date of occurrence only. Continuing to update the status monthly as if the charge off is renewed is deceptive and noncompliance with the FCRA. 

Action Demanded : Immediately investigate this account with XXXX XXXX. 

Correct or delete the inaccurate monthly charge-off updates. 

Provide a written response within 30 days as requested as required under federal law. 

Failure to correct this error may result in further action including a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action for willful noncompliance with the FCRA. 

I have enclosed a copy of my ID, proof of address, and a copy of the relevant credit report with the inaccurate information highlighted. 

I expect your prompt attention to this matter. please confirm in writing that this dispute has been investigated and resolved. 

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 2025-06-01 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by Equifax on my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place : XXXX  credit inquiries from banks and auto lenders accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 1. Experian has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( XXXX ) ( A ). Equifax is flagrantly disregarding consumer protection statutes. I did not receive any notice from : XXXX credit inquiries from banks and auto lenders on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that Equifax remove these accounts/ inquiries from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, 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 2025-06-01 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 file a formal complaint regarding multiple accounts that have been improperly reported by Equifax on my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place : XXXX  credit inquiries from banks and auto lenders accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 1. Experian has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( XXXX ) ( A ). Equifax is flagrantly disregarding consumer protection statutes. I did not receive any notice from : XXXX credit inquiries from banks and auto lenders on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that Equifax remove these accounts/ inquiries from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, 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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am a victim of check fraud not a perpetrator. Unfortunately, U.S. Bank closed my account without conducting any investigation or giving me a fair opportunity to explain or provide evidence. I was not informed of the reason in detail, and I later discovered I had been reported to XXXX XXXX XXXX, which is now affecting my ability to open new accounts and receive direct deposit from services such as EDD. 

To date, the fraud case remains unresolved, and I have not received any final determination from U.S. Bank. Despite this, they have proceeded to mark me as a risk in third-party systems without due process or conclusion. This action has caused undue hardship and unfair consequences for me as an innocent party. 

I am requesting a full investigation into this reporting, and I demand the immediate removal or correction of this negative record in accordance with the Fair Credit Reporting Act ( FCRA ). If needed, I am willing to provide additional documentation, including identification and bank communications. 



XXXX XXXX XXXX I am a victim of check fraud and have been reported to XXXX XXXX XXXX before any investigation was completed by the financial institution. I was flagged as a risk without due process or verified evidence, which has prevented me from accessing essential banking services. 

This has caused serious disruption to my life, including inability to receive direct deposits and open new accounts. I am requesting a full review of my record and immediate removal if the reporting can not be substantiated under FCRA standards. 

Thank you for your attention to this matter. I respectfully ask that this record be reviewed urgently and updated to reflect the truth : that I am a victim, not a fraudster.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received a letter on XX/XX/year> stalling an investigation of erroneous items on my credit report despite all of my identifying information attached to the dispute. This action is highly illegal and all CRAs should continue the investigation as promoted.

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 2025-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
They are constantly calling me for a debt collection that was due to me being a victim of XXXX  and I have been trying to get it removed from my credit report. 

The amt of {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The account was discharged by XXXX  XXXX due to hardship when I became XXXX a 1099 was given they continue to report on my XXXX  account I have reached out to them several times times no response of any furnished information about what they say this account has and continue to not abide by the fair credit laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I sent a letter to the reporting agency, and they sent back letter stating all information was verified. I Then sent a letter requesting information according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''.

Who in your company verified these accounts?

How did they verify them?

Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation.

Include the documentation that was used to verify the dispute.

You have NOT provided me a copy of ANY hard copy documentation showing that you have properly

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 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
My phone has been hacked through XXXX XXXX. Theyre still getting in my phone at times and when they get into my phone, I can not do anything with it. Its like its locked up and then a few minutes later when theyre done trying to take what theyre taken, it goes back to normal. My phone does And I have reached out and they have denied the claims three or four times each we put them in rebuttal and done it again and again they still continue to not because the person who hacked my phone is getting stuff from a gaming some kind of gaming company several of them looks like and theyre not my charges, and the bank will not pay me back

Company response to consumer: Closed with explanation