vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my XXXX  credit report. Please find the account details below : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My XXXX  report incorrectly reflects XXXX late payment notations in XXXX, XXXX, XXXX, and XX/XX/year> for this account. This information is inaccurate, as I have consistently made my payments on 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 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
A check I wrote was returned due to insufficient funds in my checking account, even though I had sufficient funds in my savings account. The check posted overnight, and I transferred the money to checking as soon as I saw it in the morning, but the payees bank had already returned the check and charged them a fee. 

I requested that my bank consider handling transactions to avoid this situation, but they refused. I am requesting that the bank review its processing so that checks are not unfairly returned when funds are available in a linked savings account.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter submitted to your company. Upon reviewing an updated copy of my credit report, I regret to inform you that certain information remains unresolved and continues to be reported inaccurately. The continued reporting of such information has caused severe negative impacts on both my credit standing and personal reputation.

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 2025-08-20 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: NV

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance Owed : {$240.00} XXXX  XXXX Balance Owed : {$300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a Bank of America customer. In XX/XX/year>, I disputed a repair shop charge of {$2000.00} to my account. I never denied authorizing the transaction, but I was overcharged. My vehicle warranty company confirmed that I was only responsible for {$200.00}, not {$2000.00}. 

The repair shop refused to release my vehicle unless I paid the full {$2000.00}. I was two days away from giving birth at the time and had no choice but to pay under duress.

Bank of America denied my dispute, stating that because I authorized the payment, it was valid. This ignores the fact that it was an overcharge and billing error, not a fraudulent charge.

When I filed my dispute, I submitted proof : My warranty contract, with the section covering the part clearly highlighted.

A text message from a warranty company representative confirming I was only supposed to pay {$200.00}.

Despite this, Bank of America still denied my claim.

As a result, my Bank of America account is now overdrawn by {$1800.00}, creating serious financial hardship for me and my family.

What I Am Requesting : I am not asking for any extra money. I am requesting that Bank of America : 1. Recognize this as a billing error / overcharge dispute.

2. Reverse the {$1800.00} overcharge so that my account is no longer negative.

3. Allow me to continue banking with them without penalty.

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 2025-08-20 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: MD

Complaint narrative:
Follow-Up on CFPB Complaint Failure to Respond Within XXXX  Days Dear Experian, I am following up regarding my complaint submitted through the CFPB Complaint Portal on XX/XX/2025, concerning negative items being reported on my credit report, inaccurate information reported regarding account XXXX Account XXXX. ending in XXXX Closed, with past due balance of {$1300.00}. XXXX. XXXX Account XXXX. ending in XXXX Charged off with {$260.00} written off. XXXX. XXXX XXXX XXXX Account No. ending in XXXX XXXX account for {$1500.00}. XXXX. XXXX XXXX Account XXXX. ending in XXXX Charged off, {$6100.00} written off. XXXX. XXXX written off. XXXX. XXXX Account XXXX. ending in XXXX Charged off, {$3200.00} written off As you are aware, under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to conduct a reasonable investigation and provide written results of the investigation within XXXX  days of receiving a consumer dispute. 
As of today, more than XXXX  days have passed, and I have not received a final response or confirmation that this issue has been resolved. This delay is unacceptable and constitutes noncompliance with federal law. 
I am requesting : XXXX. Immediate confirmation of the status of my investigation. XXXXCorrection or deletion of any inaccurate information that can not be verified. 
XXXX written response documenting your findings andactions taken. 
If this matter is not resolved promptly, I will escalate my complaint with the CFPB and consider any additional remedies available under the law. 
I expect a written response within XXXX business days of receipt of this letter. 
Sincerely, 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 2025-08-20 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 am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX BALANCED : {$0.00} XXXX  SERVICE XXXX BALANCED {$1700.00} XXXX  SERVICE XXXX BALANCED {$1100.00} XXXX  SERVICE XXXX BALANCED {$2200.00} XXXX TECHNOLOGIES XXXX XXXX : {$690.00} XXXX XXXX XXXX BALANCED {$4300.00} XXXX XXXX XXXX BALANCED $- XXXX BANK XXXX BALANCED {$1300.00} DATE OPEN : XX/XX/XXXX XXXX  XXXX BANK XXXX BALANCED {$630.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX BALANCED {$300.00} XXXX XXXX SERVICES Original Creditor Name : XXXX  XXXX XXXX XXXX {$300.00}

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 2025-08-20 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-20 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: NY

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation.

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 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
A transfer of XXXX coins into my new Coinbase account has been stuck in pending for an unreasonable amount of time. This happened after I closed my old Coinbase account and opened a new one under a different email. This was necessary because I had a fear that my old email address had been compromised. The old email was XXXX and the new one is now XXXX. 

My case number is # XXXX. Support responses have been generic and no resolution timeline has been provided. This is a high-value transfer ( at least for me and what it represents to me ), and I need Coinbase to immediately complete the transfer into my new account. 

Sincerely, XXXX XXXX XXXX XX/XX/year> 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: FL

Complaint narrative:
I am a victim of identity theft. I discovered multiple accounts and hard inquiries on my credit report that I did not apply for or authorize. These fraudulent accounts began appearing around XX/XX/year>2025 After noticing suspicious activity, I immediately filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and submitted disputes to the credit reporting agencies requesting that the fraudulent items be removed, as allowed under Section 605B of the Fair Credit Reporting Act ( FCRA ). I also placed a fraud alert on my credit file.

Despite providing all necessary documentation, including my FTC Identity Theft Report and a list of fraudulent accounts and inquiries, the credit bureaus have not fully removed the inaccurate information. These items are damaging my credit and were not initiated by me.

I am requesting the CFPB 's assistance in ensuring that these fraudulent items are permanently blocked from my credit report and that my rights under the FCRA are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
This writer ( Claimant ) learned this past XX/XX/year> that there was a property tax arrears that caused claimant 's mortgage payment to be increased from {$870.00} to {$1400.00} without proper Notice. The relevant facts will establish that Claimant 's mortgage was originally with Rocket Mortgage and the mortgage was sold to Specialized Loan Service aka Shellpoint Mortgage. The mortgage services subsequently became less fair, predatory and deceptive in practices and only two forms of payment became applicable.

( Payment by debiting one 's bank or direct payment by mail to the mortgage provider ). 

Claimant also discovered that his XXXX XXXX XXXX XXXX XXXX XXXX XXXX had expired and this writer reapplied and was granted a tax credit in the amount of {$3500.00} by the XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The tax credit was retroactively applied to the month of XX/XX/year>. The tax credit off set the property tax arrears and the escrow balance should have been adjusted as the property taxes are now paid in full for the year. 
The mortgage payment should also revert back to the original mortgage contract amount of {$870.00} and that was not done. Shellpoint Mortgage refused to accept Claimant 's XXXX payment, which can be paid up until the XXXX day of each month. Claimant as a consequent obtained a bank money order in the amount of {$1400.00} and the payment was sent via UPS and arrived on XXXX. Shellpoint claimed by an unsigned email letter dated XXXX that the XXXX payment was not paid and thereafter demanded {$2.00}, XXXX. 
Claimant have paid both XXXX and XXXX and now Shellpoint Mortgage have sent a Notice Intent To Foreclose. This writer contacted Shellpoint and they insist no payment was made and have not responded to Claimant 's letters dated XXXX, XXXX, and Claimant have attached copies of the Certified Bank Check receipt. 
Claimant contends Shellpoint have purposefully misled the facts with malice aforethought for personal economic gain, to deceive and this establishes fraud with the intent to deceive and mislead for vindictive purposes. Claimant seeks assistance in obtaining a fair resolution and intends to pursue damages for gross negligence and outright fraud. 
Claimant have become a victim to financial, mortgage abuse with malice aforethought. 

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 2025-08-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: MO

Complaint narrative:
My cash app account was closed and I have no understanding or any reason why it happened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: TX

Complaint narrative:
In accordance with USC 1681g, these inaccurate accounts are to be located and removed within 15 days of receiving notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: PA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: PA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-08-20 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: FL

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-08-20 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: NY

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation.

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 2025-08-20 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: NY

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I purchased shoes for {$79.00} at XXXX and returned them the same day. XXXX processed a full refund on XX/XX/XXXX, and I have documentation showing Return complete, refunded on XXXX XXXX XXXX 

Despite this, Wells Fargo posted the {$79.00} debit days later, without applying the refund that had already been processed. This caused my checking account to show {$74.00}, even though I do not owe this money. 

I contacted Wells Fargo multiple times and was told to file a claim. This is not a merchant dispute it is a Wells Fargo posting error. My paycheck is scheduled to deposit into my account, but instead of being properly credited, it will be consumed by a negative balance that should not exist. 

I am requesting : 1. Immediate removal of the false overdraft.

2. Application of the refund to restore my balance. 
3. Confirmation that no overdraft fees will be assessed as a result of this posting error. 

This overdraft is entirely due to Wells Fargos delays and posting practices, not my actions.

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 2025-08-20 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: NY

Complaint narrative:
Recently | looked at a copy of my credit 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 these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( 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 2025-08-20 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: NY

Complaint narrative:
Recently | looked at a copy of my credit 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 these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief