vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/year>, I deposited {$2000.00} in cash at a Bank of America ATM using my debit card. The ATM confirmed the deposit and stated it would be available by XX/XX/year>. However, the money never appeared in my account. 

On XX/XX/XXXX, I called Bank of America customer service. A representative opened a claim and told me I would receive an emergency provisional credit of {$2000.00} within two business days while the issue was investigated. I never received that credit. 

On XX/XX/XXXX, I went to a local Bank of America branch and spoke with an employee named XXXX. He contacted support and told me that if the claim was not resolved, the {$2000.00} would be deposited by XX/XX/XXXX. That also did not happen. 

I explained to the bank that this money was urgently needed for my rent and to send to my brother in XXXX who is undergoing XXXX XXXX. The bank employee told me, Thats not my problem. 

As of XX/XX/XXXX, I have still not received my deposit or the emergency credit. I am at risk of eviction and may be forced to sleep in my car. The banks delay has caused me extreme emotional stress and financial hardship. 

I am asking the CFPB to investigate this matter urgently, help me recover my {$2000.00}, and hold Bank of America accountable for failing to provide the service and support I was promised.

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 2025-08-05 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: TX

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt letter.

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 2025-08-05 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:
Someone opened two accounts in my name at XXXX XXXX XXXX XXXX  and XXXX. The credit cards are charged to the maximum ; I didn't opened these accounts. Please contact all credit bureau and correct my credit scores immediately. I am a victim of identity theft.

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 2025-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I work at XXXX which recently started a program in which employees can get their student loan payments matched as contributions to their 401k. In order to take advantage of this resource, I need to provide more documentation than my servicer, Mohela, makes available. XXXX needs a payment history on Mohela letterhead that also displays my name or account number, but the payment history available on the Mohela website lacks that information. I have called Mohela 8 times, each time being on hold for over an hour or sometimes two, and been repeatedly assured that Mohela would send this documentation. They have not sent it and it's been six months. XXXX wanted this information from me in XXXX. On one occasion, the person I spoke with on the phone at Mohela assured me that they'd send this information by mail. After several weeks, I did receive mail from them, but it contained a payment history from XXXX and XXXX, NOT the year I requested ( XXXX ). I called Mohela to complain, was once again on hold for two hours, was once again assured that this would be sent, only to be once again mailed a payment history from XXXX and XXXX. I have also filed numerous complaints through Mohela 's online portal without hearing back. I no longer feel like I can resolve this by dealing with Mohela.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i XXXX XXXX resqusted bank of america to wire transfer {$130000.00} to XXXX XXXX XXXX on XX/XX/year>, the bank of america staff XXXX puts the bank as the beneficiarie with the XXXX project manager XXXX 's account number and put the XXXX project manager XXXX in the Notes box, the XXXX XXXX XXXX received the money on XX/XX/XXXX, but the XXXX XXXX XXXX rejected to receive the money, because of the beneficiarier 's name is the XXXX XXXX not the XXXX project manager XXXX, XXXX XXXX returned money on XXXX XXXX, according to the bank 's response. 
Bank of America recalled three times to request cancel the transfer money within XXXX and half months, finally the XXXX project Manager received wired transfer money {$130000.00} on XX/XX/year>, the money did not go back to Bank of America. 

as soon as XXXX project Manager received the money, i emailed bank of America wire dept ( XXXX ) and request to find out where is the missing money {$3400.00}, no response, i request the bank to pay for 80 days interests for {$130000.00} and {$3400.00} missing money.

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 2025-08-05 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: NY

Complaint narrative:
There is an account on my credit report that I do not recognize. I take the accuracy of my credit information seriously and can confirm that this entry does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: PR

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : U.S. DEPARTMENT OF EDUCATION Open Date : XX/XX/XXXX Balance : {$3900.00} XXXX XXXX Open Date : XX/XX/XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XXXX XXXX, XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING XXXX XXXX XXXX  INSTALLMENT LOAN Opened on XX/XX/XXXX BALANCE : {$270.00}

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 2025-08-04 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 recently revived a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my credit report

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 2025-08-05 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: PR

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : Us Department Of Edu Last Activity : XX/XX/XXXX Balance : {$3900.00} PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: VA

Complaint narrative:
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! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 non-monetary relief
Consumer complaint received 2025-08-04 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: VA

Complaint narrative:
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! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 explanation
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
These accounts were opened without my knowledge or permission. As they are fraudulent, I am requesting their removal from my credit report in accordance with USC 1681g. Documentation is attached.

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 2025-08-05 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXXI am submitting this complaint regarding XXXX  and Bank of America for repeated violations of my rights under the Fair Credit Reporting Act (15 USC 1681). Despite multiple certified disputes, XXXX  continues to verify inaccurate information on my credit report while claiming updates and modifications that do not exist. Bank of America has ignored my direct certified letter requesting verificationXXXXA  Actions Taken\n XXXX XXXX XXXX Initial dispute sent to XXXX  (Certified XXXX XXXX XXXX XXXX XXXX)  Delivered XXXX XXXX XXXX XXXX XXXX Second dispute sent (Certified XXXX XXXX XXXX XXXX XXXX)  Delivered XXXX XXXX XXXX XXXX XXXX XXXX  request sent (Certified XXXX XXXX XXXX XXXX XXXX)  Delivered XXXX XXXX XXXX XXXX XXXX  Second XXXX  request sent (Certified XXXX XXXX XXXX XXXX XXXX  Delivered XXXX XXXX XXXX XXXX XXXX Third XXXX  request sent (Certified XXXX XXXX XXXX XXXX XXXX)  Delivered XXXX XXXXI also sent a direct letter to Bank of America on XXXX XXXX XXXX XXXXCertified XXXX XXXX XXXX XXXX XXXX), delivered XXXX XXXX, with no response receivedXXXX  Breach of Rights (False Updates, No Investigation)\n XXXX  reported this account as verified and updated/modified on:\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite these claims, no corrections, changes, or material updates were made to the reporting.\n This indicates XXXX  is rubber-stamping verifications without performing a lawful reinvestigation under FCRA 1681i(a)(1)(A).\n XXXX  has failed to supply the Method of Verification (name, contact, and data relied upon) despite multiple requests, violating 1681i(a)(6)(B)(iii).\n Bank of America has ignored direct certified mail requesting proper verification of this account, showing noncompliance with their furnisher duties.\n This pattern demonstrates willful disregard for FCRA obligations, prolonging inaccurate reporting and causing harm to my credit.XXXXC  Corrective Action Requested\n\nI respectfully ask the CFPB to:\n1. Compel XXXX  to conduct a genuine reinvestigation or delete this account if it cannot be verified with supporting documentation.\n2. Require Bank of America to respond to my certified request with full verification details.\n3. Investigate repeated false update/modified responses by XXXX  as a possible willful violation of the FCRA.\n4. Ensure corrective measures are taken to stop this pattern of noncompliance.'

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 2025-08-05 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name XXXX 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 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 XXXXXX/XX/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 2025-08-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Fraudulent credit hard inquiry. No permission to conduct hard inquiries on my credit report. Remove it immediately XXXX Capitol one XXXX va XXXX CAPITOL ONE FRAUDULENT HARD INQUIRING

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 2025-08-04 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
I called earlier to dispute transactions from a vendor that was supposed to to refund me, they stated they were but time kept going, 3 hours later my. Bank is restricted and being closed, access to my funds frozen and they wont give me a reason, I have multiple direct deposits from my job supposed to be hitting my account week too, and now they cant, they are holding me money hostage and I have no access to any money at all, this is absurd, SoFi bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: SANTANDER HOLDINGS USA, INC.
State: KY

Complaint narrative:
I called XXXX, they sent me to Santander. I called Santander, they sent me back to XXXX. I called XXXX  again, they sent me to Santander. I called Santander again, they told me to email XXXX. NONE of these entities will give me the clear title to my vehicle. They tell me I do not exist. The XXXX has XXXX  listed as the lienholder. I have had this vehicle in my possession since XXXX. It has been paid off since XXXX. I just want a clear title for my vehicle. XXXX will not give me a copy of the title. They will mail it to XXXX  only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

Company response to consumer: Closed with non-monetary relief