vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I was scammed. I am a XXXX XXXX XXXX newly graduated from my XXXX XXXX looking to get into the work force. Ive been job hunting for months now, I apply to dozens of jobs per day. One day I got messaged by a person who knew my name and resume apparently. They were recruiting to work at a place called XXXX XXXX i look it up, its real. He sets up an interview through text and asks information that I at the time assumed was normal for employers ( Please keep in mind this is my first job im looking for. ) long story short he makes a claim that to pay for equipment he will send me a check so I can have it shipped to my location. I, none the wiser accept and print the checks and scan them. It was a terrible mistake but I was unaware that they were fraudulent checks. When I have second doubts and start asking questions and get strange answers or silence I block the number and report this to my bank and the federal governent. When I called Bank of America about this, I get a warm and understanding reception. I was scammed I am a victim of falsefied checks. I give them everything I can. Later call confirming this seems even more reassuring when I ask if there will be any further issues and Im told No. Well come Friday 11 i try to access my account but it says my id and ssn are not in their system, I thought this is an error that happened because the mobile app went down but days after I check and call and Im told my account is closed permanently. This was a hard pill to swallow because I am being punished so harshly for a one time offense that happened without my full understanding, I thought as many in internet boards said that If I cooperated -which I did- I would not be punished so harshly that now I cant open my account or Any other account in bank of america ever . I am scared that this will affect my ability to open accounts at other banks. And honestly I feel im beung treated unfairly I feel Ive been punished because they think I was in on it, they didnt say this but the action to close my account and basically blacklist me speaks for itself, I believe. There was also a lot of miscommunication because when I went into the branch the lady told me the alert wa going into XXXX but when I called ( which by the way the man I was set up with sounded very fed up and came off as disrespectful ) he said it was permanent. I want a fair chance and I feel im not being given one. Im asking for help, I dont even have my first job and this as a potential blow to my credit history or even ability to open a bank at all is frightening.

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 2025-07-15 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: MA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/year> 2017

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 2025-07-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Torriere Holdings INC
State: OK

Complaint narrative:
Was called and was lied to and told misinformation! Was also spoken to abusively : was threatened as well as mocked and made fun of. My rights were not read to me at all no disclosure. Was given false information as well as bullying and harassment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

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 non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this complaint regarding a title loan I received from XXXX. The original loan amount was approximately {$1200.00}, but on my credit report, the original balance is inaccurately listed as over {$2300.00}, and the ending balance shows as over {$4500.00}. 

I have already paid XXXX more than three times the original loan amount, yet they have reported multiple inaccurate late payments to the credit bureaus, even though I made my payments on time. After repossessing my vehicle, they sold it at an extremely low value, reportedly to a partnered company, and increased my loan balance further after the sale. 

I later reached a settlement agreement with XXXX. As part of that agreement, I was told the negative information would be removed from my credit report. Instead, they charged off the loan and never corrected the false payment history. 

I am requesting that all information related to this account be removed from my credit reports, as it contains inaccurate and misleading data. I have made a good-faith effort to resolve this matter and have upheld my part of the settlement. 

Please investigate this issue and assist in ensuring that XXXX corrects or fully deletes all related information from my credit history.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am submitting this complaint regarding a title loan I received from XXXX. The original loan amount was approximately {$1200.00}, but on my credit report, the original balance is inaccurately listed as over {$2300.00}, and the ending balance shows as over {$4500.00}. 

I have already paid XXXX more than three times the original loan amount, yet they have reported multiple inaccurate late payments to the credit bureaus, even though I made my payments on time. After repossessing my vehicle, they sold it at an extremely low value, reportedly to a partnered company, and increased my loan balance further after the sale. 

I later reached a settlement agreement with XXXX. As part of that agreement, I was told the negative information would be removed from my credit report. Instead, they charged off the loan and never corrected the false payment history. 

I am requesting that all information related to this account be removed from my credit reports, as it contains inaccurate and misleading data. I have made a good-faith effort to resolve this matter and have upheld my part of the settlement. 

Please investigate this issue and assist in ensuring that XXXX corrects or fully deletes all related information from my credit history.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am submitting this complaint regarding a title loan I received from XXXX. The original loan amount was approximately {$1200.00}, but on my credit report, the original balance is inaccurately listed as over {$2300.00}, and the ending balance shows as over {$4500.00}. 

I have already paid XXXX more than XXXX times the original loan amount, yet they have reported multiple inaccurate late payments to the credit bureaus, even though I made my payments on time. After repossessing my vehicle, they sold it at an extremely low value, reportedly to a partnered company, and increased my loan balance further after the sale. 

I later reached a settlement agreement with XXXX. As part of that agreement, I was told the negative information would be removed from my credit report. Instead, they charged off the loan and never corrected the false payment history. 

I am requesting that all information related to this account be removed from my credit reports, as it contains inaccurate and misleading data. I have made a good-faith effort to resolve this matter and have upheld my part of the settlement. 

Please investigate this issue and assist in ensuring that XXXX corrects or fully deletes all related information from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I recently was checking my account statement and noticed that the following charge was on my account : XXXX on XX/XX/XXXX in the amount of {$42.00} I didn't know what this charge was for, so I decided to look at earlier statements and found same charge in various amounts all the way back to XXXX, which is as far back I can go online. 

XXXX on XX/XX/XXXX in the amount of {$42.00} XXXX on XX/XX/XXXX in the amount of {$38.00} XXXX on XX/XX/XXXX in the amount of {$32.00} etc etc. Total charges are just over {$800.00} back to XX/XX/XXXX. 

I called the credit card company today XX/XX/XXXX and she mentioned the charges go back to XXXX. I do not know total charges at this time. She said the company would get back to me via email. This is a citi bank Best Buy credit card XXXX. 

The number I called was XXXX I never authorized these charges/ this service, knowingly. I would like to know how I go about getting a full refund.

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 2025-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is the second complaint about Truist bank. 

On XX/XX/year> our home was hit by a tornado. Our insurance has sent many checks to repair our home and as we have a mortgage the bank holds our funds until certain progresses are made and after their inspection a progress payment is made to us. This has been difficult as we must spend our own money until work is done. We've removed money from our retirement account and now we would like to return that money but a new hoop has been added that I don't believe is fair. 
The last inspection the bank did stated that our home repairs were 95 % complete and this allowed the bank to pay to us all remaining funds. After the inspection the insurance sent it's final payment to us, {$70000.00}. It was also addressed to Truist Bank and so now they have the money. I believe they must give us our money as the contract states Once verified repairs are complete we will issue check for remaining funds. 
More than {$200000.00} of damages had occurred to our home. It's exhausting and this kind of struggle just adds to the pain. 
We have never missed a mortgage payment in more than 7 years and don't deserve this kind of treatment. 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 2025-07-15 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 identified transactions are not information related to any transaction completed by me as a consumer : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

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 2025-07-15 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

1681c-2 ) that you, the Experian Credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
b'I sent a certified letter to Equifax oXXXX XXXX XXXX XXXX mail with a tracking number oXXXX XXXX XXXX XXXX XXXX XXXX XXXX The letter was delivered to Equifax in XXXX XXXX XXXX XXXX XXXX XXXX  The letter stated they needed to promptly investigate the account and correct it or delete it. Experian ignored my request and I proceeded to send another letter on XXXX  They also ignored my 2nd letter. The accounts that were included in both letters were 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 2025-07-15 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: AL

Complaint narrative:
I am filing this complaint againsXXXX XXXX XXXX and TransUnion for their continued failure to accurately report my account information despite my formal disputes. 
Additionally, all three credit bureaus are in violation of XXXX XXXX data furnishing standards by accepting and continuing to report incorrect status codes, balance information, and failing to mark the account as disputed using Compliance Code " XB. '' These inaccuracies have negatively affected my credit score and resulted in the denial of credit opportunities. I request that the Consumer Financial Protection Bureau investigate this matter and compel full compliance, including immediate correction or deletion of the inaccurate information. 
Also there is inaccurate misleading addresses on my report and inquiries that I'd like removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: AL

Complaint narrative:
I am filing this complaint againsXXXX XXXX XXXX and TransUnion for their continued failure to accurately report my account information despite my formal disputes. 
Additionally, all three credit bureaus are in violation of XXXX XXXX data furnishing standards by accepting and continuing to report incorrect status codes, balance information, and failing to mark the account as disputed using Compliance Code " XB. '' These inaccuracies have negatively affected my credit score and resulted in the denial of credit opportunities. I request that the Consumer Financial Protection Bureau investigate this matter and compel full compliance, including immediate correction or deletion of the inaccurate information. 
Also there is inaccurate misleading addresses on my report and inquiries that I'd like removed.

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 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 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