vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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:
Date : XX/XX/year> Bank of America Claims Resolution, XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request to Reopen Claims XXXX XXXXXXXX and XXXX XXXXXXXX for Unauthorized Transactions Dear Claims Department, I am writing to formally request that you reopen and re-investigate two separate claims that were wrongfully denied. I strongly disagree with the outcomes of both investigations and want to clarify that I did not authorize either of the transactions in question. 
Claim XXXX XXXXXXXX in the amount of {$63.00} was denied on XX/XX/year>. This charge was not authorized by me. I am the only person with access to my debit card associated with the account ending in XXXX, and I have not given permission to anyone else to use it. The decision that the transaction was made by me or someone authorized is incorrect. No one else has access to my card. 
In addition, Claim XXXX XXXXXXXX in the amount of {$210.00}, opened on XX/XX/year> and marked complete on XX/XX/year>, was also wrongfully declined. I did not authorize this merchant to charge my account, nor did I give anyone permission to use my account or make any withdrawals related to this transaction. 
I respectfully request that both claims be reopened and thoroughly re-investigated. I am available to provide any further documentation or information you may need to assist in this process.

Thank you for your attention to this matter. I look forward to a prompt and fair resolution. 

Sincerely, XXXX XXXX XXXX Account ending in : 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 monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
As unexpected bill deducted from my Bak of America bank account. {$200.00} from XXXX. I attempted ro retrieve the money back from the merchant but they said I should have contacted them with 24 hours. However, I decided to file a claim through my bank, hoping to get a credit back pending when the dispute issue is resolved by my bank. 

The money was for another bill which was due immediately and I needed to pay. On before the XXXX of XXXX. I have waited for the time frame provide my Bank of America for to receive a credit but that did not happen and it is very frustrating and unacceptable that I was issued no 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 monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Veros Credit, LLC
State: CA

Complaint narrative:
Veros Credit, Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete this closed account as soon as possible from my report or i will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CBC Companies, Inc.
State: MN

Complaint narrative:
I recently received and reviewed my Innovis XXXX Report. The following charged off XXXX  XXXX  account currently listed and showing on my Innovis XXXX Report, is a fraudulent and unauthorized account that isnt my account : XXXX  XXXX  Account Ending In : XXXX, Full Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/year>, XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
The inquiries on my credit report appear to be fraudulent, as I did not authorize them. I urge you to take immediate corrective steps.

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 2025-07-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: MI

Complaint narrative:
I have a savings account with Key Bank. There is a monthly auto-transfer associated with this account. They have several criteria, of which you must meet one, in order to avoid paying a monthly maintenance fee for this savings account. One of those criteria is the auto-transfer ( minimum of {$25.00} ), which is the one that I meet. On XX/XX/year>, I was charged a monthly maintenance fee in the amount of {$12.00}. I called customer service, confirmed that this was an error, and the fee was refunded. Then it happened again on XX/XX/year>. Once more, I called, was told that this was an error, this time was further told that this was a known issue that they were working on, and the fee was refunded. The next maintenance charge came on XX/XX/year>. I called yet again ( each call takes at least XXXX minutes out of my day ) and while they could not offer me any additional insight as to precisely why this keeps happening and why they have been unable to fix the problem, I was once more told that they are aware that it is an issue, they are working on it, and that they hoped it would be resolved soon. I have now been charged again on XX/XX/year> for this erroneous fee. This is completely unacceptable. How can a banking institution have a known issue for months that they do not rectify? How many customers are being charged this fee not realizing it may not be legitimate? I do not work for Key Bank and I do not have time to keep prompting them to correct their mistakes. I am on the verge of closing my accounts even though I have been a customer for roughly for 30 years. It does not matter that the fee is refunded. This is wrong and it shouldn't be happening. Once can be honest mistake, twice can be working out the kinks, but beyond that is outright negligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-11 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: CO

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, CHALLENGEDORNOT.

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 2025-07-11 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: CO

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, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Reporting inaccurate and unauthorized information violates the Fair Credit Reporting Act ( FCRA ) and is causing serious and unjust damage to my credit. If this item is not removed promptly, I expect a full deletion of this fraudulent account without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
This incorrect late payment is not reflective of my actual payment history. I kindly request its removal without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To ; Consumer Financial Protection Bureau XXXX Complaint Against ; Bank Name ; Bank of America Account Numbers ( last XXXX digit ) ; XXXX, Saving - XXXX Subject ; Bank of America Closed My Account and Withheld My Funds Without Valid Explanation Details of the Complaint ; I am filling a formal complaint regarding the closure of my Bank of America account and the banks refusal to return my funds, totaling {$12000.00} in checking and {$30000.00} in savings ( combined total of {$43000.00} ). 

On XX/XX/year>, Bank of America froze my account without prior notice. Despite this freeze, the bank continued to accept incoming deposits ; * {$2000.00} on XX/XX/year> {$15.00} on XX/XX/year> Then, on XX/XX/year>, the bank closed my account entirely without providing a refund or clear explanation. I visited the branch and provided valid ID, and I was told the account was under review. I never received a court order, IRS levy, or any government communication. My XXXX report shows no negative record. 

The funds in my account were entirely legitimate. I borrowed {$35000.00} from a close friend and deposited it in good faith. I also worked with this friend on a few jobs where large checks were involved. This was a legal and honest agreement. I was not operating a business through the account, nor was there any criminal or suspicious activity. The bank never gave me a chance to explain or provide documentation before freezing and withholding the funds. 

Bank of America accepted my money while denying me access, and has not returned my total balance of {>= $1,000,000}. This is unacceptable, and I believe it may constitute unlawful retention of funds and an unfair banking practice.

Resolution Requested ; A full refund of my account balances ; {$12000.00} ( checking ) and {$30000.00} ( savings ) * A written explanation of why the account was frozen and closed Removal of any negative record, if one exists Declaration ; I declare that the information I have provided is true to the best of my knowledge, and I request immediate investigation and assistance in recovering my funds. 

Sincerely, 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 2025-07-11 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: IL

Complaint narrative:
The consumer reporting agency is willfully and negligently failing to comply with the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.C. 1681c-2 ], by continuing to report fraudulent accounts and identity theft-related information on my credit file. Despite being provided with an Identity Theft Report, proof of identity, and a formal request for removal, the agency has failed to take action within the required timeframe. This constitutes a violation of my consumer rights and has resulted in ongoing financial and reputational harm.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Dispute with Cash App Regarding Scam and Fund Recovery Dear CFPB Team, I am writing to formally dispute the actions of Cash App and seek your assistance in resolving an issue related to a scam that resulted in my loss of {$770.00}. Despite my repeated efforts to contact Cash App for support, they have not properly resolved the situation and have permanently closed my account to avoid accountability. 

On XX/XX/year>XXXX  For {$500.00} And XX/XX/year>XXXX  For {$270.00} I was scammed while using Cash App. I was misled by fake government officials to pay a fake bill through cash app as a payment method. After realizing I had been scammed, I immediately contacted Cash App customer support to report the incident and request the recovery of my funds. However, my attempts to resolve this issue have been unsuccessful, and Cash App has not taken appropriate action to protect me as a consumer. 

In addition to denying my request for a refund, Cash App has taken the further step of permanently closing my account without any prior notice or justification, effectively preventing me from gaining access to my funds or resolving the matter. This has caused me significant distress and financial hardship. 

I am requesting : 1. The immediate investigation of my case regarding the scam and the loss of my {$770.00}.

2. A review of Cash Apps handling of my situation to ensure accountability and appropriate consumer protection measures.

3. A forced reopening of my account or the facilitation of immediate fund recovery to reimburse me for my losses. 

I have attached copies of all relevant correspondence, including my communications with Cash App and any documentation related to the scam. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CT

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-07-11 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: CT

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX SC XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/scrub>/2025, Balance : {$220.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: VA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief