vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am reporting an unauthorized XXXX subscription charge that I did not authorize, create, or use. I never agreed to any recurring charges, I did subscribe the cheapest plan of XXXX however is very short time ( may be XXXX months, and I never authorized the highest price plan, never, ever. This was a card-not-present digital transaction. 

The fraudulent transaction appeared on my Bank of America credit card statement, and I immediately disputed it. Bank of America opened the investigation on XX/XX/year>, and closed it on XX/XX/year>, after almost XXXX months. The claim amount is XXXX USD, and Claim ID is XXXX. 

However, the bank denied my dispute claiming that the merchant provided a signed receipt or contract. This is factually impossible, because XXXX XXXX subscriptions do not involve any signed receipt, physical signature, or contract. XXXX does not provide signed documentation for verification. This indicates that Bank of America used a template denial instead of conducting a proper investigation. 

Bank of America initially issued a provisional credit, but later reversed it without providing any proof that I authorized this transaction, and without showing any evidence of my login, subscription creation, or consent. Under Regulation Z, the bank must provide proof of customer authorization before holding me liable for a charge. 

I repeatedly requested that Bank of America provide any evidence showing I authorized the XXXX subscription, but the bank did not provide any such evidence. 

I am requesting CFPB assistance to : Require Bank of America to reopen this dispute and conduct a manual fraud review, Require the bank to provide actual proof of my authorization ( which does not exist for XXXX subscriptions ), Restore my provisional credit if such proof can not be provided, in accordance with Regulation Z. 

Bank of America failed to properly investigate this unauthorized transaction after nearly two months and provided an incorrect and impossible justification for denying my dispute. 

Thank you.

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 2025-11-20 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I must emphasize that unauthorized access to my credit report by several companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial 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 explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: FIRST MERCHANTS CORPORATION
State: IL

Complaint narrative:
On XX/XX/year>, I went to First Merchants Bank in XXXX, IN to cash two settlement checks in the amounts of {$7500.00} and {$4600.00}, drawn on a First Merchants Bank account. These checks were part of a wrongful termination and racial discrimination settlement from my former employer. 
I provided valid identification, my Social Security number, and endorsed both checks as the bank instructed. Instead of verifying the checks with their own customer, the staff questioned me about my employment, why I was cashing such a large amount, and why I did not want to open an account. I waited for over an hour while other customers completed large transactions without issue. Staff never attempted to verify either check and later told me the person who could verify them had already left for the day. Security was then called, and I was told to leave without receiving any service. 
On XX/XX/year>, I went to First Merchants Bank in XXXX XXXX, IN and XXXX, IN. XXXX XXXX refused to cash the checks due to the XXXX branchs refusal. The XXXX, IN branch verified the checks with the check writer and cashed them immediately with no issues. This proves the checks were valid and that the XXXX branch failed to follow proper verification procedures. 
I believe the XXXX, XXXX branch discriminated against me and engaged in unfair, deceptive, and inconsistent banking practices by refusing to verify legitimate settlement checks after collecting my personal information. This conduct resembles the widely reported XXXX XXXX vs. XXXXXXXX XXXX incident in Michigan, where a XXXX customer cashing settlement checks was falsely suspected of fraud until another bank verified the checks without issue. 
I am requesting that CFPB investigate First Merchants Banks conduct and require corrective action and appropriate relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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 2025-11-20 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: CA

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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 2025-11-20 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 submitting to formally dispute several items currently appearing on my Equifax credit report, as they do not reflect accurate, complete, or verifiable information. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ), 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ), which require that all information reported about me must be accurate and fully verifiable. After reviewing my file, I identified multiple errors, and I am requesting a full reinvestigation to ensure my credit history reflects only documented and accurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing a late payment that is being reported inaccurately on my credit file. I previously submitted a dispute and requested a reinvestigation, but the credit reporting agency stated that the furnisher verified the information without providing any documentation or proof. I was not contacted for clarification, and no supporting evidence was provided to show that the late payment actually occurred.

Because the information was verified without a proper investigation, this appears to be a failure to conduct a reasonable reinvestigation as required under the FCRA. I am requesting that the late payment be fully reinvestigated and that documentation be provided to support its accuracy. If the furnisher can not verify the information with actual evidence, I am requesting that it be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
XXXX  was paid when I consolidated my loans however they still show in my credit report late payments when it not only wasnt late its paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I am submitting a complaint regarding two collection accounts reported by Midland Credit Management on my credit reports. 

Accounts in question : 1. Original Creditor : XXXX XXXX Debt Buyer : Midland Credit Management Date Opened : XX/XX/XXXX Balance : {$2300.00} Status Updated : XX/XX/XXXX XXXX. Original Creditor : XXXX XXXX XXXX  XXXX. 
Debt Buyer : Midland Credit Management Date Opened : XX/XX/XXXX Balance : {$800.00} Status Updated : XX/XX/XXXX Discrepancies and issues : 1. Monthly reporting of unchanged balances : Both accounts were updated on XX/XX/XXXX, showing the same balances as previously reported. 
Under the Fair Credit Reporting Act ( FCRA ), collection accounts should only be updated if there is a legitimate change, such as a payment, settlement, or status change. Re-reporting the same balances monthly is misleading and can artificially harm my credit score.

2. Verification issues : I have already filed disputes with the credit bureaus regarding these accounts.

Despite disputes, Midland Credit Management continues to report the accounts, and I have not received proper verification.

3. Discrepancy across bureaus : The {$2300.00} XXXX XXXX  account appears on XXXX  and XXXX  but not on XXXX. 
I am not requesting it be added ; I am noting this difference as part of the context for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I sent a letter to XXXX XXXX, they said the debt was verified but said on my credit reports there was inconsistencies. I want the debt removed from my credit reports due to the inaccuratecies immediately.

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 2025-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing a late payment that is being reported inaccurately on my credit file. I previously submitted a dispute and requested a reinvestigation, but the credit reporting agency stated that the furnisher verified the information without providing any documentation or proof. I was not contacted for clarification, and no supporting evidence was provided to show that the late payment actually occurred.

Because the information was verified without a proper investigation, this appears to be a failure to conduct a reasonable reinvestigation as required under the FCRA. I am requesting that the late payment be fully reinvestigated and that documentation be provided to support its accuracy. If the furnisher can not verify the information with actual evidence, I am requesting that it be corrected or 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 non-monetary relief
Consumer complaint received 2025-11-20 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: FL

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  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/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
Consumer complaint received 2025-11-20 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: FL

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  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
It was XX/XX/year> I tried logging into my account to make a purchase at XXXX  and my CITI BANK account access was blocked they stated I had to call so when I called to get the restriction token off they stayed my account was being closed and a check would be mailed to me mind you I have XXXX and some dollars in the account! I asked may I come in with my identification to get my cash from a teller they stated no as the account was already closed and a check has to be mailed to me in 30 to 60 days, I have no food no access to my funds a XXXX XXXX XXXX  I care for and XXXX and XXXX is coming and I have to buy food buy gifts and pay my bills such as rent con ed and so much more. I have never done anything illegal to the count, I have never done anything

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 2025-11-20 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: NJ

Complaint narrative:
I am submitting to formally dispute the inaccurate reporting of the account XXXX XXXXXXXX XXXX on my credit report. Upon careful review, I have identified multiple discrepancies across TransUnion, Experian, and Equifax that misrepresent the accounts true status, balance, and activity history. On TransUnion, the account is listed with a balance of {$120000.00}, a date of last activity of XX/XX/XXXX, and a date opened of XX/XX/XXXX. On Equifax, it is reported with the same balance of {$120000.00}, a date of last activity of XX/XX/XXXX, and a date opened of XX/XX/XXXX. On Experian, the account shows a balance of {$120000.00}, a date of last activity of XX/XX/XXXX, and a date opened of XX/XX/XXXX. These conflicting dates and reporting details are inaccurate, misleading, and fail to provide a truthful representation of 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 non-monetary relief
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-11-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am writing to submit a formal dispute under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ) regarding multiple collection accounts currently appearing on my credit report. I am requesting a general investigation into the accuracy, completeness, and verifiability of all collection accounts reported under my name. 
Upon reviewing my credit file, I found collection accounts that may be inaccurate, outdated, incomplete, duplicated, improperly reported, or unverifiable. Under federal law, all credit bureaus are required to ensure that every item you report is : 100 % accurate Complete Verifiable with documented evidence Reported within the allowable legal time frame Not misleading in any way

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX  is reporting inaccurate and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. I submitted multiple disputes with clear evidence that the accounts were reporting incorrect data, including charge-off accounts still showing balances, missing payment history, and accounts with no creditor contact or validation. Despite this, XXXX  labeled each dispute as verified without conducting a reasonable investigation as required by FCRA 15 U.S.C. 1681i. I was never contacted, no documentation was provided to verify the debts, and the furnisher failed to validate the accounts. XXXX  is willfully reporting inaccurate information and refusing to correct or delete accounts that can not be verified. I am requesting the CFPB to investigate XXXX  for failure to meet its legal obligations, failure to conduct a reasonable reinvestigation, and continued reporting of inaccurate information that is harming my creditworthiness. 


Disputes : XXXX on the XXXX of XX/XX/XXXX on the XXXX of XX/XX/XXXX on the XXXX of XXXX Ive tried correcting my report with the use of federal laws about account charge offs, DOFD inaccuracy, failure to contact me about a debt but reporting it to a credit reporting agency to which XXXX  just updates the account, calls it accurate, or refuses to investigate appropriately. Some of these accounts are tired to names and addresses that arent mine but XXXX  refuses to abide by federal laws

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation