vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
When my XXXX and I divorced, we split XXXX shares of stock from XXXX XXXX On XX/XX/XXXX, the XXXX, emailed me a copy of my XXXX stock certificate to XXXX. On XX/XX/XXXX, I contacted my XXXX, inquiring the status of the company. He mentioned the company was sold, but still doing business under the same name and the former XXXX is still employed. Unfortunately, when I called, he was no longer there. I was able to get the name of the gentlemen who handled the merger. He had me listed as XXXX of the shareholder 's and was very surprised I did not receive my distribution. In addition, he asked me if I knew the name of a woman, which I did not. He had me get in touch with XXXX XXXX XXXX XXXX ( XXXX ), they handled the stock distribution. She also had my name on the list of shareholder 's. She also asked me the same question the gentlemen asked me, if I knew the name of this woman. She asked me about another name and I did know her, she is my XXXX XXXX present XXXX. XXXX XXXX  XXXX XXXX, sent all documentation pertaining to the sale of XXXX to my XXXXXXXX XXXX email address. I have no access to his email which I informed her twice.CPBPA, sent XXXX XXXX XXXX XXXX his email address. The first one was in his XXXX 's name, their home address, her social security and my docusign signature. The other XXXX XXXX 's were in my name, their home address, my social security and my docusign signature. All attachments with the XXXX 's have electronic payment instructions from XXXX to the bank it should be sent to. The notices where it should be sent to is the woman that the gentlemen and XXXX asked me if I knew. The signature and beneficiary/account holder was filled out with my name and no where on any of the forms indicated my home address, email or phone number. The woman at XXXX and I had a conference call with the XXXX at my local bank and I confirmed, I do not own or have an account number with them. I never opened the bank account where XXXX electronically sent several times, my distribution in the amount of {$67000.00} on XX/XX/XXXX. In addition, {$81.00} was sent on XX/XX/XXXX and {$390.00} was sent on XX/XX/XXXX. {$390.00} was returned on XX/XX/XXXX, the account was closed and remains in XXXX account. I requested for them to sent the check to me and I have not received it as of yet. XXXX, also sent a XXXX in my name to my XXXX XXXX address. On XX/XX/XXXX, XXXX, emailed me and indicated they will initiate a claim to the bank. On XX/XX/XXXX, I emailed XXXX, in regard to the claim status. Apparently they had no intention to file the claim, in return they sent me an Indemnification Agreement to sign. Which I will not sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CA

Complaint narrative:
I called them in regards to making a payment plan on my debt. They told me that I needed to take out a loan, or ask someone for a loan and they werent willing to work with me. And If i didnt pay it, they would kept damaging my credit. When I told them I couldnt take out a loan or afford to the pay the debt they told me that was going to happen. They were unwilling to work with me and kept saying i had to ask people for money/ take out a loan for this. and there was no negotiation that would be occurring. They also never sent me a debt verification letter, as well always adding interests onto my account without a reason as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-22 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-22 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: NY

Complaint narrative:
Hard inquiries in my credit report XXXX  XXXX XXXX XX/XX/year>

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 2025-10-22 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: NC

Complaint narrative:
This is a notice that my complaint number XXXX XXXX with your agency was a violation of a court ordered injunction to not engage in future violations of the FCRA. On XX/XX/2025 I received a call from an " Investigator '' named " XXXX '' ( does not give last name ) at XXXX. She said that she was " surprised '' that I disputed the First Advantage Background Check. I refused to comply with, among other things, " Call the Texas court with me to confirm that the charges are yours. '' Furthermore, she disagreed that the FCRA has a seven year look back. Still further, she indignantly refused to immediately delete the inaccurate and outdated criminal charges as requested in my complaint. Also, she said that my background check was completed by " XXXX '' ( not First Advantage ). Consequently, I researched XXXX and your CFPB website has a class action lawsuit ( Consumer Financial Protection Bureau vs XXXX XXXX XXXX, 1:19-CV-10824, US District Court, XXXX XXXX of New York ) with links to the ( Proposed ) Stipulated Final Judgment and Order granting Injunction against future violations of the FCRA. Finally, to create a potential delay in receipt by me, First Advantage responded to your agency that they would contact me by first class mail contrary to their initial reply to me by email that they would email me a response. In summary, XXXX has flagrantly violated the FCRA and Injunction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hi XXXX XXXX XXXX, I just received notice that my XXXX XXXX account was closed for alleged fraud or policy violations. Id like to appeal this decision and provide full context. 

The transactions in question involved my ex-boyfriends XXXX XXXXXXXX XXXX XXXX card ( ending XXXX ). He personally gave me permission to use this card because he didnt have XXXX XXXX and this was the only way to make weekly car-payment transfers. I have screenshots and messages proving that he authorized these payments. 

Recently he appears to have disputed those transfers with his bank, even though they were made with his full consent. I believe this is a misunderstanding, and I can provide all the supporting evidence to show the payments were legitimate. 

Please review my account and these disputes. I did not commit fraud or violate policy, and Id appreciate the chance to resolve this and have my account reinstated. I believe he may be making these disputes out of spite, not because the transactions were unauthorized, and I can show proof that all payments were made with his full permission.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account has become emotionally overwhelming and mentally stressful. Documentation is included to validate my removal request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am disputing a collection account reported by LVNV Funding LLC for {$6200.00}, originally from XXXX Bank. This debt does not belong to me and is reporting inaccurate, incomplete, and unverifiable information across XXXX, XXXX, and XXXX  credit reports. 
Violations and Legal Basis 1 FCRA 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy. Reporting unverifiable or misattributed debt violates this section. LVNV is a debt buyer reporting inconsistent balances and open dates across bureaus, proving data inaccuracy. 
2 FCRA 1681i ( a ) ( 1 ) ( A ) : Requires a reasonable investigation based on competent evidence. Automated data matching is not compliance.

3 FCRA 1681i ( a ) ( 5 ) ( A ) : If the furnisher can not verify data, it must be deleted immediately and not reinserted without proof.

4 FDCPA 1692g : LVNV must provide full validation, including signed contract, itemized billing, and proof of ownership. None have been produced. 
5 FCRA 611 : Requires completion of a competent reinvestigation within 30 days ; failure to do so violates this section.

Details of Inaccuracy LVNV Funding reports different open dates and balances across all three bureaus ( XXXX  {$6200.00} / XXXX  {$6200.00} / XXXX  {$6200.00} marked closed ). 
No signed contract or chain of assignment proving ownership has been provided. 
Credit bureaus continue verifying this account through data matching instead of documentary evidence, violating FCRA. 
Requested Resolution I request the Consumer Financial Protection Bureau ( CFPB ) investigate LVNV Funding LLC and require both the furnisher and the credit bureaus to : 1. Provide complete validation of the alleged debt, including the original signed agreement, full billing history, and all assignment documentation ; or 2. If such documentation can not be produced, require permanent deletion of this account from XXXX, XXXX, and XXXX credit files. 
The continued reporting of unverifiable data without documentation is outrageous, negligent, and willful noncompliance under FCRA 616617 and FDCPA 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
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 explanation
Consumer complaint received 2025-10-22 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: PA

Complaint narrative:
I filed a fraud claim with Bank of America regarding unauthorized activity on my checking account on XX/XX/year>. On XX/XX/year>, I formally requested that the claim be reopened due to additional evidence, and the Bank reopened it on XX/XX/year>. I submitted substantial new evidence, including documentation of potential identity theft and dark-web exposure tied to my Social Security number. 
As of XX/XX/year>, the Bank has failed to issue a provisional credit, failed to provide a final resolution, and failed to send any written notice of extension, despite the claim being under active review. The Banks online portal continues to show Step 2 of 3 : Researching, indicating that the investigation is ongoing, yet no action has been taken to comply with the 10-business-day timeframe required under Regulation E ( 12 CFR 1005.11 ).

During this period, I have actively monitored the claim, provided all requested documentation promptly, and followed up to ensure proper handling. Despite these efforts, the Bank has not met its statutory obligations, leaving me exposed to financial risk and in violation of federal consumer protections designed to safeguard individuals against unauthorized transactions and identity theft. 
I have attached the following evidence to support my fraud claim : Personal Information Privacy Scan Screenshot shows exposure of my personal data. 
Dark Web Scan Screenshot documents that my information appeared on dark web sources. 
SSN Trace Scan Screenshot confirms potential misuse of my Social Security number. 
Portal Screenshot as of XX/XX/year>, XXXX XXXX shows the claim status still at Step 2 of 3 : Researching, demonstrating no action has been taken at the close of the 10th business day. 
These attachments provide critical support for the claim, demonstrating the risk of identity theft and the urgency for Bank of America to take immediate action, including issuing a provisional credit and completing a thorough investigation. 
I am requesting that the CFPB intervene to ensure Bank of America : Immediately issues a provisional credit for the disputed transactions, as required under Regulation E. 
Completes the investigation without further delay. 
Provides a written notice confirming the resolution or any remaining steps. 
This complaint documents a clear pattern of noncompliance with federal regulations and underscores the urgent need for corrective action to protect my financial security, consumer rights, and personal identity.

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