vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America continues to denied me access to my direct deposit and I have made numerous calls and attempts but they made it clear that will continue to block me access to my legitimate funds. I have bills to pay and up to today Im behind on bills. I tried calling series of time because bank of America decided to close my accounts. Up to date my accounts are still open and theyre making it difficult for me to access my own funds. Bank of America continues to tthis to other customers and former customers as well.

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 2025-08-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management calls me XXXX  times a day everyday since XXXX I requested the debt validation letter be sent to my new address on XXXX as of XXXX no letter had been delivered, now I am receiving XXXX calls a day and multiple emails a day. 

The original debts age is outside statute of limitations, however it keeps being sold off to another collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as my formal dispute of a fraudulent account currently appearing on my credit report. I have no history, application, agreement, or transaction that would justify this accounts presence in my records. Its reporting is not only inaccurate but has caused measurable harm to my credit reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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 a victim of identity theft. I discovered multiple fraudulent accounts, inquiries, and a bankruptcy entry on my credit report that I did not authorize, open, or file. 
I submitted disputes with the credit reporting agencies months ago regarding the following : XXXX XXXX XXXX XXXX I provided proper identification, documentation, and in some cases, an FTC Identity Theft Report and/or police report. Despite this, the accounts, inquiries, and bankruptcy remain on my credit report with no proper resolution or verification. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 1681i Failure to reinvestigate and correct disputed items FCRA 1681c-2 ( 605B ) Failure to block fraudulent information related to identity theft FCRA 1681e ( b ) Failure to ensure maximum possible accuracy

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 2025-08-15 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:
Under federal law USC 1681g, these incorrect accounts must be eliminated in 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: NC

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 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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: NC

Complaint narrative:
Company : Global Lending Services LLC, XXXX XXXX XXXX XXXX, SC XXXX Date ( XXXX ) : XXXX, XXXX Company : XXXX XXXX Via Dealer, XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX Company : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Date XXXX XXXX Company : XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. Company : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: TX

Complaint narrative:
Equifax is knowingly reporting six ( 6 ) false late payments in XXXX on two accounts with The Local FCU that have been closed since XX/XX/XXXX and carry a {$0.00} balance. This is factually impossible and violates the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX credit reporting standards. 

Accounts in dispute : The Local FCU Account # * XXXX ( Secured Loan ) The Local FCU Account # * XXXX ( Unsecured Loan ) Both accounts were paid in full and closed on XX/XX/XXXX. 

The Local FCUs Collections XXXX, XXXX XXXX, confirmed in writing on XX/XX/XXXX that : The only late payments on these accounts were XXXX XXXX lates in XXXX. 

They have not reported any payment history after the accounts were closed in XXXX. 

Despite this, Equifax continues to show : * XXXX : Late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX * XXXX : Late payments in XX/XX/XXXX, XX/XX/XXXX I have disputed these XXXX ( XXXX ) times with Equifax and escalated XXXX ( XXXX ) times to the CFPB. 

Each time, Equifax claims the creditor verified the information as correct, even though I provided written proof from the creditor that no such late payments exist. 

This is a clear violation of : FCRA 602 ( A ) duty to maintain maximum possible accuracy FCRA 611 failure to correct after disputes FCRA 623 ( a ) ( 1 ) ( A ) furnisher prohibition on reporting false information XXXX XXXX Guidelines prohibition on post-closure delinquency reporting This false reporting has lowered my credit score significantly, causing denials for credit, higher interest rates, and reputational harm. Because the reported dates are in XXXX, scoring models treat these as recent late payments, severely damaging my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The accounts that are included in my attachments and are seen on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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:
I did not open these accounts, and they seem to be inaccurate. Please investigate this issue carefully and remove them from my credit history. Supporting documents are provided for your review. Ensure they are blocked and deleted.

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 2025-08-15 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 am a victim of identity fraud and would like the company to investigate this. It has been more than XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: GA

Complaint narrative:
Permanently delete the fraudulent accounts XXXX. XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX and all related unauthorized inquiries from my credit file, block all identity theftrelated information within 4 business days as required by 15 U.S.C. 1681c2, and provide me with a corrected consumer report along with written confirmation of the deletions. If the company can not produce verifiable documentation showing I authorized these accounts or inquiries, they must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I transferred {$1000.00} from my cash app account to my Wells Fargo account and they're trying to say that it is an unauthorized account. I went inside the bank and showed the lady from the bank that it was my account I pulled it up and showed her my cash app account and that it was me that sent it. Did they keep playing games with me though I've had three different stories from three different people. Everything is on a recorded line as well I was told that I could go to the bank and get my money out the first time. Second time was told that it'll be back in my cash app account in 1 to 3 days. And now today they are telling me I have to wait until XX/XX/XXXX and they're going to send me a cashier 's check for {$1.00}, XXXX. I have kids and a family in my rent is due now I'm going to be late and I'll probably be kicked out of my apartment because of this. I am a day trader just like half the generation.

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 2025-08-15 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-15 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. U. S. C. 
XXXX ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$160.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
i am disputing the validity of this debt on my credit profile reported my XXXX XXXX due to the fact that there is no ORIGINAL PURCHASE AGREEMENT for this account signed by all parties. 

acct name : MIDLAND CREDIT MANAGEMENT acct XXXX XXXX XXXX XXXX amount : {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
I received a notification to my phone, advertising the use of rewards points for either a XXXX XXXX XXXX or a XXXX XXXX XXXX. Both are listed with a corresponding weight of XXXX for the prior, and XXXX for the latter. Upon tapping on either option, I was taken to more information. Here, it states that the XXXX gold card is created with pure gold, weighing XXXX. The use of a, rather than ; implies that the gold is the entirety of the XXXX weight. Beneath this statement, there is information specific the Weight at XXXX, the Material as XXXX Gold and a redemption cost of XXXX points. They make it very deceiving, in order to convince customers that the card is worth nearly {$3000.00} in gold, equal to the value of the XXXX points. When I reached out to ask support about this, I was told, XXXX for reaching out about this. I understand that you wanted to know more about our XXXX XXXX. However, as of now, we can not provide any specific information about our XXXX XXXX XXXX. Thank you for your understanding. Please let me know if you have further questions or concerns. Otherwise, have a wonderful day! It appears as though this was intentional mis-advertisement. Luckily, I found more clarification hidden in their help/support forums. If the information is listed on their website, I dont understand why their agents are keeping it a secret and not redirecting me to that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: PA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief