vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
I am submitting this complaint about XXXX fraudulent transactions totaling {$13000.00}, sent from my Bank of America accounts in XX/XX/year>. 

A XXXX payment of {$1700.00} ( case # XXXX ) and a wire transfer of {$11000.00} ( case XXXX XXXXXXXX ) were sent under false pretenses to the same Bank of America account registered under the XXXX  name XXXX XXXX. 

The individual responsible is XXXX XXXX. I have provided both the bank and law enforcement with all relevant information, including screenshots, payment confirmations, and communications with the suspect. I also contacted the suspects acquaintances, who confirmed a history of scams. 

Despite my efforts, the bank has not taken meaningful steps toward recovery or resolution. The XXXX police detective handling my case subpoenaed the bank for records related to my account and the scammers account about XXXX months ago but has yet to receive a response. 

This fraud has caused me significant financial hardship and emotional distress. I believe Bank of America should better protect customers from fraud and offer appropriate remedies when victims are deceived. 

I am requesting CFPB oversight to ensure the bank : Conducts a thorough investigation Communicates clearly and promptly with me throughout the process Considers good-faith reimbursement or assistance in recovering the funds

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 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: VA

Complaint narrative:
Elan Financial Services, the CURRENT provider of the XXXX XXXX XXXX XXXX XXXX, is engaging in deception practice with their 0 % balance transfer promotion If the card member holds decides to take advantage of the 0 % special balance transfer offer, the transferred balance WILL BE 0 % for the time selected. HOWEVER ALL REGULAR PURCHASES ARE IMMEDIATELY SUBJECT TO THEIR REGULAR FINANCE CHARGE OF WELL OVER 21 % UNTIL THAT TRANSFERRED BALANCE IS PAID OFF. 

This is a deceptive practice, lulling people into using the promotion, only to be financially penalized for using it. 

XXXX XXXX IS UNWITTINGLY SUPPORTING AND PROMOTING AN INSTITUTION THAT IS TAKING ADVANTAGE OF XXXX OWNERS. 

I contacted Elan and their response was " too bad, can't help ''.

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 2025-08-09 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: FL

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

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 2025-08-09 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:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

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 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
Applied for XXXXXXXX XXXX XXXX with Barclays, I was delayed and denied further on without any explanation or reasons for denial even I have 2 outstanding accounts with Barclays I have an outstanding XXXX XXXXXXXX account with Barclays I have an outstanding XXXX ( XXXX XXXX ) account with Barclays Both accounts have them for years now with no late fees and both having high limits.

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 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I intended to cancel my Citi Credit Card due to the annual fee of {$99.00} before the next annual fee was charged. The representative on the phone offered to change my credit card to another that did not have the membership ( annual fee ). The representative explained that I will not be charged the annual fee on the new card if I just switched the cards. I agreed. 
In XX/XX/year>, before the annual fee was charged, I verified that the last statement of the account that was closed. The balance of the last statement was {$0.00}, and no annual fees were charged. 
In XX/XX/year>, I verified my statement for the new card opened on XX/XX/year>, to my surprise, the annual fee was charged on the new card. I contacted a CITI Bank representative. The representative apologized and informed me that the charges will be reversed. After two weeks, I verified my statement again and found that the fees were not reversed. I contacted a CITI Bank Representative again, and the representative explained that I need to wait until the cycle is closed to see the charge removed. 
On XX/XX/year>, I received a text message that I have a balance due on the Citi Credit Card. When I reviewed my statement, I discovered that not only did they never reverse the charges, but they also charged me {$31.00} for a late fee/ interest and reported the delinquency to my credit report. I contacted a new XXXX Bank representative, a Spanish speaker this time, with the name of XXXX, employee number XXXX, who explained that I need to pay the balance because I agreed to pay the annual fee within 52 days after I had opened the new non-annual fee credit card in XXXX. 
I paid the balance with the fees charged to not made major damage to my credit report, but the action and incorrect information of CITI Bank, credit card unit were misleading and intentionally damaged my reputation as a consumer when they submitted a delinquency in my credit report, and also cost me {$130.00}, money that I did not have in effort to have me to take a new credit card. 
Please review this complaint, and I hope no more customers suffer the same economic, emotional, and reputation damage that I did.

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 2025-08-09 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: OH

Complaint narrative:
I am requesting that Equifax : Provide my complete consumer file report in compliance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g, including all data, inquiries, and records associated with my personal information. 

Block or delete any unverifiable, unauthorized, or inaccurate information pursuant to FCRA 611 and 605B, ensuring my privacy rights are upheld. 

Conduct a manual, human-led review of my file rather than an automated or e-OSCAR system-based response, as required for a proper reinvestigation.

Provide written confirmation of compliance within 30 days of receipt of this complaint, as mandated by federal law.

Cease the unauthorized dissemination or sale of my information to any third-party platforms or entities without my express written consent. 

Implement proper safeguards and compliance protocols to prevent future violations of consumer privacy rights. 

If Equifax fails to comply, I am requesting that the CFPB escalate this matter to the Federal Trade Commission ( FTC ) for enforcement action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
This is a follow-up to my previous CFPB complaints regarding identity theft and the credit reporting agencies failure to block fraudulent accounts within the 4-business-day deadline mandated by FCRA 1681c-2 ( b ). The complaint numbers are as follows : TransUnion : XXXX XXXXXXXX Equifax : XXXX XXXXXXXX Experian : XXXX XXXXXXXX In each case, I provided an FTC Identity Theft Report and proof of identity. All three agencies failed to comply within the required timeframe, and in some cases took over 90 days to respond, causing ongoing harm. 

In addition, certain fraudulent accounts that had previously been deleted from my credit file have now been reinserted without the required written certification from the furnisher and without written notice to me within 5 business days, in violation of FCRA 1681i ( a ) ( 5 ) ( B ). 

On XX/XX/year>2025, I submitted an updated FTC Identity Theft Report ( XXXX XXXXXXXX ) consolidating all current fraudulent accounts, fraudulent inquiries, and previously deleted accounts that must be permanently blocked to prevent unlawful reinsertion under 1681i ( a ) ( 5 ) ( B ). This updated report, proof of identity, and proof of address were sent by certified mail to each CRA and relevant furnishers. 

I have attached my updated FTC Identity Theft Report # XXXX, a copy of my government-issued ID, proof of current address, and a detailed list of all fraudulent accounts and inquiries for blocking under FCRA 1681c-2 also attached is evidence of previously deleted accounts.

These are repeat and willful violations of FCRA 1681c-2 and 1681i ( a ) ( 5 ) ( B ), constituting willful and/or negligent noncompliance under FCRA 1681n and 1681o . Each violation is subject to statutory damages of up to {$1000.00} per item, plus actual damages ( including credit denials, increased costs of credit, and XXXX XXXX ), and attorneys fees and costs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
This is a follow-up to my previous CFPB complaints regarding identity theft and the credit reporting agencies failure to block fraudulent accounts within the 4-business-day deadline mandated by FCRA 1681c-2 ( b ). The complaint numbers are as follows : TransUnion : XXXX XXXXXXXX Equifax : XXXX XXXXXXXX Experian : XXXX XXXXXXXX In each case, I provided an FTC Identity Theft Report and proof of identity. All three agencies failed to comply within the required timeframe, and in some cases took over 90 days to respond, causing ongoing harm. 

In addition, certain fraudulent accounts that had previously been deleted from my credit file have now been reinserted without the required written certification from the furnisher and without written notice to me within 5 business days, in violation of FCRA 1681i ( a ) ( 5 ) ( B ). 

On XX/XX/year>2025, I submitted an updated FTC Identity Theft Report ( XXXX XXXXXXXX ) consolidating all current fraudulent accounts, fraudulent inquiries, and previously deleted accounts that must be permanently blocked to prevent unlawful reinsertion under 1681i ( a ) ( 5 ) ( B ). This updated report, proof of identity, and proof of address were sent by certified mail to each CRA and relevant furnishers. 

I have attached my updated FTC Identity Theft Report # XXXX, a copy of my government-issued ID, proof of current address, and a detailed list of all fraudulent accounts and inquiries for blocking under FCRA 1681c-2 also attached is evidence of previously deleted accounts.

These are repeat and willful violations of FCRA 1681c-2 and 1681i ( a ) ( 5 ) ( B ), constituting willful and/or negligent noncompliance under FCRA 1681n and 1681o . Each violation is subject to statutory damages of up to {$1000.00} per item, plus actual damages ( including credit denials, increased costs of credit, and XXXX XXXX ), and attorneys fees and costs.

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 2025-08-09 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: MN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I sent a letter to National Credit Adjusters informing them that I was not properly notified of this debt which is a violation. I am also requesting proof of validity of the debt. Since sending the letter, the company has not responded, but the name of the debt collector has changed on my credit report. A few violations have occurred, and my next step will be the attorney general if we cant get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely 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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: NC

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-09 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 formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief