vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On Friday, XX/XX/2025, I attempted to make a cash deposit at a Bank of America ATM located inside the branch at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 

The ATM accepted my cash ( to pay my Bank of America credit card ), but the transaction froze or crashed midway. The machine did not complete the deposit, did not credit my account, and did not return my money. 

I immediately contacted Bank of Americas customer service and was told an investigation would be opened. However, as of today ( [ insert todays date ] ), I have received no resolution or update. Each time I call, I am told the case is still under investigation, with no clear timeline or confirmation that my funds will be returned. 

This delay has caused significant inconvenience and stress. The deposit was intended to make a credit card payment, and the lack of access to those funds may also affect my account standing. 

Transaction details : Date/time : XX/XX/2025 at XXXX XXXX  Approximate amount deposited : approx. $ XXXX {$4200.00} ATM location : XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Credit card/account ( last 4 digits ) XXXX I request that Bank of America immediately locate the funds from this failed ATM deposit and credit them to my account, as well as provide a written explanation of the cause and delay in resolution. 

Company : Bank of America , N.A . 
Product : Bank account or service ATM deposit issue Requested resolution : Full refund of missing funds and written confirmation of resolution.

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 2025-10-25 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/year> at XXXX XXXX CST, 8 loan applications were submitted to Upstart.com fraudulently. I did not authorize these applications at all.These fraudulent applications have resulted in 8 hard pulls on my credit report. I believe XXXX has retained my personal financial information and has fraudulently applied for loans on my behalf without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I am submitting this complaint regarding unfair, predatory, and potentially discriminatory practices by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Bank, and Chase Bank that reflect a broader systemic issue of financial exclusion and ruin for socio-economically disadvantaged individuals.The Specific Incident/Account Problem : My complaint concerns my Checking and Savings accounts for these banks. Regarding Excessive Fees : On numerous occasions, these banks have charged a 'monthly service ' fee for over {$20.00}. Stating, " Your account does not meet our regulatory compliance measures '' Which is legalese for " You're not complying with our mandated policies '' So, we are hereby Debanking you. I believe this fee, and the bank 's general policy on 'Service Fees ', is structured to aggressively extract funds from low-balance accounts. Balances are low when the economy goes through a XXXX and are temporarily low due to delays in the job market. ( Low hire, low fire ). And when multiple employers, landlords, and other brokers aggressively XXXX XXXX XXXX individual this practice leads to aggressively levying high-dollar fees based on minor errors or low balances and is particularly harmful and predatory towards individuals with limited financial resources. Regarding Collections/Debanking : The bank 's subsequent actionsending the fee to a collection agency, or closing the account ( debanking ) has caused/will cause intentional financial harm. A severe negative impact on my credit report and unable to open a new account. This loss of access to the formal financial system is a result of The Broader Systemic Concern : I believe these debanking policies on fees and account closures are systematically targeting and harming socio-economically disadvantaged consumers. The result is often complete " debanking, '' which is the deliberate exclusion of individuals from basic financial services. This aggressive fee structure, followed by the immediate escalation to collections or account termination, causes financial ruin and prevents low-income individuals from building or maintaining financial stability, creating a systemic cycle of disadvantage. I urge the CFPB to investigate these practices under the prohibition of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ), as the substantial harm to vulnerable consumers outweighs any conceivable benefit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-10-25 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I have already disputed this record through the court and it has been about a two years since I requested information from them. I want them to stop harassing me and stop calling me every day. 
They sent me a summons about 2, almost 3 years ago, I went to the court house in XXXX Indiana, the next day, and filed my answer. They took about six months to respond, and it wasnt sufficient information, and now they are harassing me everyday by phone. Portfolio Recovery Associates is the company that is calling me. The year that I received the summons was XXXX, since then, they havent communicated with me, now, all of a sudden, they are calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On approximately XX/XX/XXXX I went to Citi bank to apply for a business banking account I was told there is a 2 day waiting period as the back office has to approve the account 2 days later I received approval for the account. On XX/XX/XXXX I receive my pension check from XXXX XXXX  as I retired from XXXX XXXX  XXXX. The n approximately XX/XX/XXXX I went to Citi Bank in XXXX to the same teller that open the account and deposited my check into the newly open account, which was signed off by the branch manager, deposited and {$370.00} dollars were made available and the remaining balance of approximately {$23000.00} dollars would be made available on XX/XX/XXXX. I waited until the funds were made available and began using the funds. I took myself and my girl friend four for nails and a pedi date and to dinner where my account statrted getting declined, which was totally embarrassing. After calling in several times the transaction was accepted. I then went to the physical bank back to the same teller that opened the account and needed to pull out some cash in the amount of XXXX be able to buy materials for a project I was supposed to start on XX/XX/XXXX. I was told my account was flagged for fraud, and the I could not access my money and that my account was being closed with no explanation. We didnt have any money to XXXX  home. I had also rented a hotel room in XXXX that I couldnt make to as were didnt have any funds so we had to walk home from the bank. I was told to bring in all of my documentation supporting my business address and my mail address the next day. I roll in all supporting documents a XXXX XXXX XXXX bill for my mailing address, my letter requesting withdrawals from my pension for XXXX XXXX XXXX, the even called our district that processed the check for verification, with my XXXX XXXXXXXX XXXX. They didnt allow the teller to submit the document as they said they dont allow documentation be sent to their office. Ultimately I was informed that my account would be closed, and that I could not get the remaining funds from my account and that my account is under review and that I have to wait XXXX to XXXX  days to receive my funds and they are going ti send it back ti XXXX and not me. This is totally insane. That is all the money that I have. I cant buy materials for my project so it m going to lose that income and ruin that relationship, I cant pay my rent, so Ill be facing a eviction, I cant pay afford the basic living expenses of food water or even support my kids as I have no more money. I have complied a cease and desist letter and will be arrive the local branch and legal department in XXXX XXXX. I just want my money so I can take my business elsewhere where. I am a XXXX  owned business and totally feel discriminated against and woefully treated. Can you please help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Full Faith and Credit Act TILA ACT violating and full faith in credit clause for my own credit u.s.c 411/412 > Section 3123 payment of obligations & interest on the coupons 18 USC 8 [ 12 U.S.C. 1811 et seq. ] Security fraud for denied full disclosure a and selling our note receivable with our endorsements promise to pay was sufficient enough to satisfy the purchase alone. 
So this is what happened to me and my brother. 
We went to XXXX XXXX dealership to co sign for a vehicle for my brother. But we noticed that he ran all three vehicles under both of our credit with all three credit bureau. When we didn't consent to run our credit for XXXX vehicles at once. On top of that my brother told him his credit was bad beforehand and mines was good enough until those inquiry. When we clearly told him to give me both of the purchase Agreement for the XXXX used vehicles. Because I have my own funding through my trust fund that was going to be tendering the payment through XXXX or XXXX. 
And to only run our information together with me as the head for the truck my brother wanted was XXXX for I didn't want no financing at all from them but my brother did. I don't know why he wanted to go on his own accord with processing all three vehicles like we didn't tell him from the start my brother wanted to be financed not me. So that brought up the tax and price for more interest in a bigger deposit getting approved from some unknown source they refused to disclose and illegally denied me with full disclosure of the purchase Agreement taxing us more for our own credit and blue book value. For they used my private exemption number that was from my estate/trust that was only supposed to be a one time consumer transaction.

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 2025-10-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
I have a disputed debt with XXXX that they sent to collections. They have gone through 3 different debt collectors and each time I have disputed the debt. Each time they have sent it to XXXX XXXX to affect my credit score. Each time I have built my credit score back up to XXXX, only to be hit now for the 3rd time to reduce my credit score to XXXX. This last creditor did not even contact me before sending it to XXXX XXXX. I made a dispute with XXXX XXXX and they said I need to contact you. How many times can they use the same bill dispute to affect my credit score.

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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this complaint because Experian has repeatedly failed to comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) regarding my credit disputes. 

I mailed multiple disputes to Experian on XX/XX/XXXX, which were received on XX/XX/XXXX, according to XXXX certified mail records. These disputes involved the following accounts : XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX acct # XXXX Despite receiving all my disputes on XX/XX/XXXX, Experian did not submit or enter them into their system until XX/XX/XXXX, XXXX full two weeks later. This delay violates FCRA 611 ( a ) ( 1 ) ( A ), which requires Experian to begin and complete its reinvestigation within 30 days of receiving a dispute. 

When Experian finally processed my disputes, the results I received were computer-generated responses stating that the information had been verified or that no change has been made. Experian did not provide any of the supporting documentation I specifically requested, including : Verification or proof of the alleged debts, Evidence that the collection agencies have legal authority to collect ; and A complete accounting of the alleged debts.

This shows that Experian did not perform an independent, reasonable investigation as required by the FCRA. Instead, they relied solely on automated data exchanges with furnishers ( e-Oscar system ), ignoring my direct evidence and failing to ensure accuracy or completeness. 
I talked with a representative on XX/XX/XXXX, and he stated that they did receive the dispute on the XXXX and that they have 3 days to submit but does not know why it was submitted so late. He then apologized and said that someone would call me back for a follow up but i never received that call.

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 2025-10-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: SECURITY FINANCE CORP
State: MO

Complaint narrative:
Security Finance Corporation Account Number XXXXXXXX XXXX XXXX Condition : Derogatory Status : Collection / Charge-Off Original Balance : {$1200.00} Current Balance : {$1700.00} Last Payment : XX/XX/2019 Remarks : Charged off as bad debt | Dispute resolved; customer disagrees I have repeatedly notified that this accounts are the result of identity theft and have provided more than sufficient evidence under FCRA 1681c-2 ( a ), which mandates the blocking of fraudulent information within four business days of receiving proper documentation. Despite this, Security finance continues to publish and verify this account as accurate, falsely labeling my disputes as resolved. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. The response I received from security finance fails to meet this standard and demonstrates a reckless disregard for my rights and the statutory obligations imposed on furnishers and consumer reporting agencies. Security Finance Corporation, as furnishers of credit information, are likewise in violation of FCRA 1681s-2 ( b ) for failing to conduct proper investigations and for continuing to report inaccurate and fraudulent data after receiving direct notice of dispute from myself

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: FL

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-10-25 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:
XXXX Data Breach Victim ( Case No. XXXX ) LEGAL NOTICE OF IMPROPER ACCOUNT REPORTING : LACK OF REQUIRED IDENTIFYING INFORMATION Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 Permissible Purpose : 15 USC 1681b ; Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) The presence of the inaccuracy due to data breaches, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted all Federal and State agencies to assist me regarding this matter. This statement is true and not misleading, and I have not authorized to the reporting of fraudulent information, nor have I received proper notice of : 1. { XXXX XXXX XXXX : Account # XXXX : Bal {$3300.00} : Fraud : XX/XX/year> } I further assert that Experian has failed to provide a meaningful investigation or resolution in accordance with my rights under 15 U.S.C. 1681i ( a ) ( 7 ) and 15 U.S.C. 1681i ( 5 ) ( B ) ( ii )- ( iii ). I understand that this attestation is made in good faith and is a necessary step in asserting my legal rights. This statement is true and not misleading, my consumer rights has been violated.

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 2025-10-25 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX - Balance {$12.00} XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$15.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX - Balance {$6.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX Balance {$99.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$4800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX Balance {$99.00} UNAUTHORIZED INQUIRES : XXXX XX/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 non-monetary relief