vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
Bank of America allowed a transaction of {$23000.00} to charge to my account. I never made this transaction. It was a mobile purchase using the backup card on the account. This purchase was XXXX XXXX and virtually created merely minutes before the transaction. This transaction was never authorized or verified by me. I never received a text or call as I was guaranteed to if any suspicious activity took place. I explained to the supervisors how I desperately needed the funds replaced as I was facing bankruptcy on my new business due to the unauthorized transaction. Bank of America supervisors guaranteed me on nearly 10 occasions that Id receive provisional credit before the end of the day for 2 straight weeks. After 10 days the bank rejected the claim and said it was verified by chip transaction. This is impossible as it was apply pay. This is deliberate misinformation and avoidance of paying out on the claim. I am demanding these funds be returned to me expeditiously or I will proceed with legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX, I received an email that appeared to be from Cash App, claiming my account required XXXX verification to avoid suspension. The email instructed me to send XXXX to a $ Cashtag provided in the message. Believing it was legitimate due to the emails professional branding and a link resembling Cash Apps official site, I sent the XXXX via Cash App from my XXXX. After the transaction, the $ Cashtag disappeared, and I realized the email was fraudulent. I reported the scam to Cash App Support through the app on XX/XX/year>, providing the transaction ID and a screenshot of the email. On XX/XX/year>, Cash App denied my refund request, stating the transaction was authorized, despite my clear evidence of fraud. I believe Cash Apps lack of robust scam detection, absence of in-app warnings about phishing emails, and dismissive response to my dispute contributed to my loss. This incident reflects a broader pattern of inadequate fraud protections, as Ive learned of similar scams affecting other users. I also contacted my bank on XX/XX/year>, to secure my linked debit card, but no further unauthorized transactions occurred. I am filing this complaint to document my experience as part of a larger effort to hold Cash App accountable for systemic failures in fraud prevention. I have attached screenshots of the email, transaction ID, and Cash Apps response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: WI

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding the unauthorized and inaccurate negative items currently being reported on my credit file. These items remain unresolved, and I must reiterate my position as well as my rights under federal law. As defined by 15 U.S. Code 6801 ( Gramm-Leach-Bliley Act ), financial institutions are required to protect the confidentiality and security of nonpublic personal information. By reporting and disseminating this information without my explicit consent or permissible purpose, you are failing to comply with this federal mandate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: WI

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding the unauthorized and inaccurate negative items currently being reported on my credit file. These items remain unresolved, and I must reiterate my position as well as my rights under federal law. As defined by 15 U.S. Code 6801 ( Gramm-Leach-Bliley Act ), financial institutions are required to protect the confidentiality and security of nonpublic personal information. By reporting and disseminating this information without my explicit consent or permissible purpose, you are failing to comply with this federal mandate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
In XXXX of XXXX, I submitted requests for quotes for affordable auto and homeowners insurance from various companies that use data supplied by LexisNexis Risk Solutions, XXXX XXXX XXXX, XXXX, GA XXXX. 

I am being denied factual and accurate quotes from insurance companies based on information which is being furnished to them by LexisNexis Risk Solutions. 

So far, I have been unable to secure an affordable quote for my auto and homeowners insurance from the companies that I had inquired with in this regard. Upon investigation, I have found that the companies are not supplying me with acceptable quotes in an affordable range due to invalid or inaccurate information that is being supplied by LexisNexis Risk Solutions. 

I have requested my consumer report from LexisNexis Risk Solutions many times and have received a form letter from them each and every time, stating Unable to Process Request, even though I have repeatedly supplied the required information to this company that was documented in the form letter and in my initial request. 

I am attaching copies of the form letters that I have received from LexisNexis Risk Solutions for your investigation into why this company is in violation of the Fair Credit Reporting Act, and other regulations regarding the right of the consumer to be furnished a copy of their consumer data. 

Without having been furnished this data, I can not verify, correct, appeal, amend, or clarify any information which is contained within their file regarding my records. 

Pursuant to the Fair Credit Reporting Act, I have : the right to know what is in my file, the right to ask for a credit score, the right to dispute incomplete or inaccurate information, the right to have outdated negative information removed from such record, and the right to limit prescreened offer of credit and insurance that I get based on information in the report.

I have been denied all of the above rights granted under the Fair Credit Reporting Act by LexisNexis Risk Solutions, as they appear to be in gross violation of the Act. 

Attached, please find copies of communications with this company for your investigation and action. I appreciate your attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
FOUND AN INQUIRY ON MY REPORT THAT'S FRAUDULENT AND I DON'T RECOGNIZE IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: SC

Complaint narrative:
I am a victim of identity theft and the following accounts are not mine and were unauthorized : XXXX XXXX XXXX.... Account numberXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and the following accounts are not mine and were unauthorized : XXXX XXXX XXXX.... Account numberXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
This company continues to call me after XXXX or sometimes even after XXXX at night. I've asked them to please stop calling this number. I don't have any debt with their company. They keep calling from different numbers every time so blocking the numbers doesn't do me any good. Im tired of being harassed by this MCM company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Midwest Finance Corporation
State: TX

Complaint narrative:
According to the FCRA Section 605B it is illegal to report information on my credit report without my permission. I gave no permission for this company to report any of my info. Please remove from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
A few days ago my credit score dropped about 40 points, I checked my credit report and noticed that Experian was reporting inaccurate information. I kindly ask for an investigation of the accounts listed below in order to ensure everything is being accurately reported. 
Here is a list of the accounts in concern with account # : XX/XX/XXXXXXXX ( two accounts ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally proected consumer rights to privacy and XXXX XXXX XXXX XXXXXXXX? confidentiality under 15 USC 1681. The accounts below violated my nights. XXXX : - ( XXXX XXXX 15 U.S.C 1681 section 602A States I have the right to privacy. More than 180 languages nolabia 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a acsount wthout my written instructions. 15 U.S.C 1681c. ( aj ) ( 5 ) Secion States : no consumer reporting agency may make any consumer report containing any of the folowing items of information Any other adverse item ot information, other than re cords af convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( AXa ) A person shall not turnish any information relating to a consumer to any consuther reporting agency if the person knows or has reasonabla cause to believe that the information is inaccurate. 

Inquity- Date XXXX XXXX, 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have paid to delete and myself and the company that I owed the debt to have reached out to them and the will not delete

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, I received an email from XXXX that a package from XXXX, a company in XXXX XXXX XXXX XXXX, was coming to me. I immediately emailed XXXX to get the details because I knew I had not ordered from them. I have never ordered from them. My credit card was charged {$880.00} and {$2.00}. 

I emailed XXXX that I did not order and asked to cancel and not allow other charges on my credit card. I immediately called Bank of America and canceled my credit card and told them about the charge. 

The order from XXXX was shipped anyway to my address, and the person who ordered it intercepted the XXXX delivery, signed for the package, and took it. 

XXXX and Bank of America have rejected my fraud claim because they say the package was delivered despite all I did to prevent delivery. 

I provided the following additional information to Bank of America, but the claim was rejected again, -Police report -Email chain starting on XX/XX/XXXX with vendor/XXXX notifying them I did not make this purchase. 
-Signature from someone other than myself or husband for package delivery from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Customs Report showing social security number of the purchaser that is not mine. 
-Document from Bank of America stating why data collected from purchase indicates I made the purchase with inaccuracies noted -Screen shots from my phone and my husbands phone that shows we have a different IP address and phone than what was used for this purchase. 

I was not able to include, but have video footage from our doorbell camera. There was not a delivery to our porch on XX/XX/XXXXXXXX XXXX XXXX The camera recorded at XXXX, XXXXXXXX XXXX XXXX a blue car sitting in front of our house. My husband later recalled a man from the car speaking with a XXXX driver close by. 

This is Bank of America 's statement about fraud protection on their website : The {$0.00} XXXX XXXX covers fraudulent transactions made by others using your Bank of America consumer debit card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have been a cashapp user for 10 years and they used to take a percentage out of my account and then I switched back to to personal accounts then I was not able to get in touch with any customers service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NJ

Complaint narrative:
Upon reviewing my consumer reports, I discovered some instance of late payments on my account. For which I always pay on time. I have never missed a payment, in the following account. ( XXXX XXXX ) # ending XXXX .. Im asking if its possible can you please look into this thorough investigation, into these discrepancies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: DC

Complaint narrative:
My students loans were discharged due to fraudulent activities by the loan providers. No data about the loans should be reported on my credit since the federal government discharge them. 
XXXX did not remove the information instead allowed this fraudulent activity to continue to be reported on 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 2025-05-17 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: DC

Complaint narrative:
My students loans were discharged due to fraudulent activities by the loan providers. No data about the loans should be reported on my credit since the federal government discharge them. 
XXXX did not remove the information instead allowed this fraudulent activity to continue to be reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding a significant and unexplained decrease in my XXXX credit score. On or around XX/XX/year>, my XXXX credit score dropped by over XXXX points, despite no changes in my financial behavior or credit profile. I have attempted to understand this issue, but have not received a satisfactory explanation from TransUnion, nor have I observed any corrections to my credit score. 

Relevant Details : Date of XXXX XXXX Drop : XX/XX/year> Score Decrease : Over XXXX points Account Behavior and Credit Standing : I have not made any new purchases or opened new credit accounts. 
I have no missed or late payments on any of my accounts. 
My credit utilization is consistently maintained at XXXX XXXX 
No additional hard inquiries or credit checks were made during this time. 
Impact and Concerns : This sudden drop in my credit score has caused significant concern, especially as it occurred without any justifiable reason related to my financial behavior. Given that credit scores play a crucial role in financial decisions, I am concerned about how this unexplained decrease could affect my future financial standing. 

I have reviewed my XXXX  credit report and confirmed there are no signs of missed payments, excessive credit utilization, or new credit inquiries that would justify this score change. I suspect there may be an error in the way my credit information was processed or reported by XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: KY

Complaint narrative:
The company did not complete a reasonable investigation into the dispute filed and did not provide me with the report from the dispute investigation as required in Law 15 USC 1681i. This has greatly impacted my ability to secure and obtain credit.

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