vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I was at work in XXXX NC. At the end of the work shift, I saw a notification email from Bank of America that {$6000.00} was withdrawn from my XXXX  account at XXXX XXXX XXXX, XXXX FL XXXX. I notified the bank immediately and reported the fraud and told them I was at work here in XXXX NC and money was withdrawn in person from XXXX Florida. Upon reviewing my account, it seemed like someone went to the Bank of America XXXX in XXXX with fraudulent identification and the bank failed to identify fake identification and possibly fake XXXX card as well. I have never been in the XXXX Florida area in my life. I cancelled my XXXX card and asked the bank to issue a new XXXX  card to me. I also opened a new XXXX account and restricted the compromised account. 
On XX/XX/XXXX, someone used the same fraudulent method that was used by someone and withdrew another {$5800.00} fraudulently ( from newly opened XXXX account on XX/XX/XXXX ) from the Bank of America XXXX at XXXX XXXX XXXX, XXXX Florida. XXXX Bank of America customer service, all of these unauthorized transactions happened inside the branch ( with teller ) and none of them were ATM transactions. 

I have not lost physical possession of my XXXX  card or driving license, so I began to suspect that my XXXX card or account information may have been compromised in some way. This led me to consider the possibility that someone might have used a fake XXXX  card or fraudulent ID to make these unauthorized withdrawals. Based on my account history and the unusual nature of these charges, it seems likely that a fraudster was able to gain access to my card information, potentially through identity theft or another illicit means. I am deeply concerned that my account information, which I have always kept private and secure, has been compromised, and these withdrawals were made without my involvement or knowledge. 
Fact that I never been to any of the above Bank of America branches in Florida and reported these fraud transactions, the Bank is not doing proper investigation, recognizing these as fraudulent transactions, and giving money back to me.

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 2025-05-21 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: IL

Complaint narrative:
Formal Complaint to the CFPB XXXX XXXX ( Account ending in XXXX ) To Whom It May Concern : I am submitting this formal complaint against XXXX XXXXXXXX and the credit reporting agencies Equifax, XXXX, and XXXX for materially inaccurate and harmful credit reporting related to my credit card account. 

This account is currently open and active, yet it is being reported with negative status and multiple late payments, even though the payment records and activity reflect otherwise. These reports contain conflicting information and violate multiple federal consumer protection laws. 

Issues Identified : The account shows current status and recent activity, but also reflects 30-day and 60-day late payments on Equifax, which are inconsistent with the actual history of payments. 

XXXX and XXXX  also list the account as Negative, despite showing no valid or recent delinquencies that justify that status. 

Equifax reports a high balance of {$0.00}, which is factually incorrect and misrepresents the account 's usage. 

The account was marked charged off while still reporting recent payments, which is a contradiction. 

No proper investigation appears to have been done despite these reporting discrepancies. 

Violations of Federal Law : 1. FCRA Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : 1681e ( b ) : Inaccurate and conflicting reporting violates the requirement to ensure maximum possible accuracy.

1681s-2 ( b ) : The furnisher ( XXXX XXXX ) failed to correct information after being notified of a dispute.

1681i : The credit bureaus failed to reinvestigate and correct false or unverifiable data. 2. TILA T
ruth in Lending Act ( 15 U.S.C. 1601 ) : Misreporting balance, payment status, and account behavior distorts the actual performance of the account, violating accurate disclosure principles.

3. GLBA Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : Disseminating incorrect and misleading account information to third parties shows a failure to protect the integrity and confidentiality of my financial data.

4. CARES Act ( if applicable ) : If any forbearance or payment arrangement was made during the COVID-19 relief period, negative reporting during that time would be a direct violation of the CARES Act amendment to the FCRA, which required that accounts under forbearance or modified agreements be reported as " current. '' Damages : These reporting errors have unfairly damaged my credit score, limiting my access to affordable credit, impacting financing decisions, and causing long-term harm to my credit profile. XXXX XXXX and the credit bureaus have failed to comply with their legal obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint because my credit file contains inaccurate, outdated, and unverifiable personal information that I have formally requested to be corrected in accordance with the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting guidelines established by the XXXX XXXX XXXX XXXX ( XXXX ). 

I submitted a written request asking the credit reporting agency to update my personal data so that my credit file only reflects the following verified and accurate identifiers : Correct Personal Information to Report : Full Name : XXXX XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, Michigan XXXX Date of Birth : XX/XX/year> Last Four of XXXX : XXXX I also requested the removal of all outdated or incorrect personal identifiers, including : Former addresses Name variations Obsolete or unverifiable employer information These items do not meet FCRA or Metro 2 standards for accuracy, completeness, or relevancy. 

My original request included supporting documentation, including a copy of my government-issued ID and a recent proof of address. Despite this, no action has been taken to correct or update my personal information. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure the credit bureau complies with its legal obligations to maintain accurate and updated personal data. Written confirmation of the correction was also requested, but has not been provided. 

Thank you for your assistance in holding the agency accountable to FCRA compliance. 

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint because my credit file contains inaccurate, outdated, and unverifiable personal information that I have formally requested to be corrected in accordance with the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting guidelines established by the XXXX XXXX XXXX XXXX ( XXXX ). 

I submitted a written request asking the credit reporting agency to update my personal data so that my credit file only reflects the following verified and accurate identifiers : Correct Personal Information to Report : Full Name : XXXX XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, Michigan XXXX Date of Birth : XX/XX/year> Last Four of XXXX : XXXX I also requested the removal of all outdated or incorrect personal identifiers, including : Former addresses Name variations Obsolete or unverifiable employer information These items do not meet FCRA or Metro 2 standards for accuracy, completeness, or relevancy. 

My original request included supporting documentation, including a copy of my government-issued ID and a recent proof of address. Despite this, no action has been taken to correct or update my personal information. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure the credit bureau complies with its legal obligations to maintain accurate and updated personal data. Written confirmation of the correction was also requested, but has not been provided. 

Thank you for your assistance in holding the agency accountable to FCRA compliance. 

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 2025-05-21 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: CA

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and my credit report contains multiple unauthorized accounts and inquiries that I did not initiate. These items are inaccurate and do not belong to me.

Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized items from my report. Enclosed are a list of the disputed accounts and a copy of my Identity Theft Report filed with the Federal Trade Commission.

Please investigate and delete these items as soon as possible. I also request written confirmation once the corrections have been made.

Thank you for your prompt attention.

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 2025-05-21 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: MD

Complaint narrative:
Hello my name is XXXX XXXX XXXX I noticed multiple inaccuracies on my credit report in XX/XX/2025. I ask for immediate removal of these inaccuracies reporting negatively impacting my score on my credit report that do not belong to me. Im a victim of identity theft and these accounts are not mine. Please remove it immediately!

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 2025-05-21 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: VA

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. 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. 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. Equifax, XXXX XXXX XXXX  are governed by USC 1681. They have violated my rights numerous times. I demand the accounts below be removed immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
This is an ongoing issue. I am unable to access an account that I have had from the beginning. I have never had an email address with this account and they've always taken my number which is a XXXX number. They change the policy so I no longer can use my number to access my account so therefore they have effectively stolen my money. The resolution that was given was the create a new account and it would be transferred to that account. It has never happened. Being a computer person I am unaware why they can not access my account knowing that this number has always belonged to me and it was tied to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
I had signed up for a {$0.00} annual fee credit card through AVANT. THE CARD WAS NEVER ACTIVATED, THE CREDIT ACCOUNTS PHYSICAL CARD WAS NEVER ACTIVATED. 

I Called AVANT on XX/XX/XXXX @ XXXX to cancel credit card account due to a monthly fee that took effect XX/XX/XXXX, first {$8.00} fee incurred for XX/XX/XXXX statement. 

Second charge of {$8.00} was posted XX/XX/XXXX after cancellation was submitted with agent via phone. Agent told me theh could not cancel and had to forward the request to someone else. 

I called in again on XX/XX/XXXX and the agent was successful in canceling the account and was not informed another monthly fee had generated within that XXXX hours between XX/XX/XXXX and XX/XX/XXXX The account was attempted to be cancelled by the customer on XX/XX/XXXX and should be refunded {$8.00} for charges posted after XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: Early Warning Services, LLC
State: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-21 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: FL

Complaint narrative:
Recently I looked at a copy of my report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : 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 2025-05-21 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: CA

Complaint narrative:
This CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) and requests that the TransUnion credit reporting agency block the following fraudulent accounts from my consumer credit file within XXXX business days : XXXX XXXX  Bank XXXX XXXX XXXX XX/XX/XXXX XXXX opened on XX/XX/XXXXXXXX XXXX  XXXX ( XXXX accounts ) opened on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Bank opened XXXX XX/XX/XXXX XXXX opened on XX/XX/XXXX XXXX Bank XXXX opened on XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX Serv opened on XX/XX/XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX are the result of identity theft and were not opened or initiated by me. I have attached a copy of my consumer XXXX credit report, as well as an FTC Identity Theft Report # ( private case number ) for validation.

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 2025-05-21 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: CA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filling a complaint against cash app XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take time and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error solution requirements under the Electronic FundsTransfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief