vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The nature of the wrong doing is that on Tuesday, XX/XX/year>, around XXXX XXXX EST, I walked into the XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX, FL ( XXXX XXXX and XXXX XXXX ) to pay my cell phone bill ( {$65.00} before tax ). Well, upon inserting my debit card, XXXX XXXX XXXX 's credit card machine was hacked and someone stole {$55.00} and {$16.00} went to XXXX XXXX XXXX vs {$69.00}. So, the employees said my card only had {$16.00}. And I said, " No, it has {$70.00} plus because I just made a deposit. Look ; and I showed them my ATM Deposit Slip. '' The employee, said, " Well, you're going to have to run it up with your bank. '' So, I left because I was really on my XXXX minute break and I had to go. Well, when I checked the account, it said {$0.00}. Then, the person who hacked my Bank of America online account typed " XXXX {$55.00}. '' And that was a complete lie. XXXX did NOT charge my debit card {$55.00} at XXXX XXXX  on Tuesday, XX/XX/year>. XXXX " attempted '' to charge my XXXX XXXX XXXX XXXX {$55.00} on Monday, XX/XX/year> ; early in the morning before XXXX XXXX So, this hacker is lying. They even sent me an email saying, " We attempted to charge your card {$55.00}. We will try again XX/XX/XXXX '' ( View images ). 
The next day, I went to Bank of America in XXXX, FL to resolve this problem ; and XXXX XXXX, chose to side with the criminals ( cyber bank robbers ) and say that those transactions are legit. And they are not. In order to keep my XXXX XXXX XXXX, XXXX, FL open, I'm going to have to pay {$55.00} for it soon. No later than XX/XX/year>. 
The other problem is that, XXXX said the money would be returned ; and it never was. Both transactions reflect clear and they are not. Therefore, I want a refund of {$71.00} back. XXXX did not have my latest Bank of America debit card on file. So, it was a hacked stolen money transaction, and I want my hard self earned money, {$71.00} back into my. 
Today, XX/XX/year>, I walked into another XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL. XXXX was my helper. He said there's no history of {$16.00} payment from XX/XX/year>. So, I logged into my Bank of America ledger, and showed him. He said, " Well, there's no history... You need to run that up with the XXXX  department. '' Since I have history, I'm asking for a refund because he had me pay, {$69.00} today ( see receipt ). If I wouldn't have paid it, I would not have any cell phone service. So what happened to the {$16.00}? Stolen as well with the {$55.00}? Same day? 
Insane!

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 2025-12-18 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: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-12-18 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: NY

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX  & XXXX  credit report on XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Following up on previous cfpb case # : XXXX which was filed on XX/XX/year>, Paypal responded via phone call and response on the cfpb portal with the following result : " On XX/XX/year>, PayPal reviewed your Account and removed the restriction. Full access was restored at that time, and we notified you of this action via email. Upon receipt of your Complaint, we completed a subsequent review of your Account determining that your Account is currently in good standing with no outstanding balance or restrictions. 
DESCRIPTION OF NON-MONETARY RELIEF Account restrictions removed '' Following this response, I have attempted to log into my account using the email : XXXX but the account still shows as restricted. I also called Paypal and the rep that answered said he couldn't help with anything as the account is deemed restricted.

I am not sure if PayPal removed the restriction from the wrong account. My PayPal account is XXXX, I also had another account get closed shortly after opening it under XXXX, so if either of those accounts have the restrictions released that will solve my problem. 

Your help is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: FL

Complaint narrative:
I emailed the company for proof that I owed the debt, requesting dates, amount, proof of purchase, a signature of mine on a contract etc,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate information being reported on my consumer credit reports in violation of the Fair Credit Reporting Act ( FCRA ). 

Account Information : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2023 High Credit : {$490.00} Issue Reported : Late Payment The above-referenced account is being reported with a late payment history. This information is incorrect. I have never made a late payment on this account. The payment history currently being reported does not accurately reflect my actual account activity. 

I previously disputed this inaccurate late payment directly with the credit reporting agencies and/or the furnisher ; however, the incorrect information continues to be reported without proper correction. This raises serious concerns regarding the accuracy and reasonableness of the investigation conducted. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), both credit reporting agencies and furnishers are required to : Report information accurately, and Conduct a reasonable reinvestigation when a consumer disputes information.

I am requesting that the CFPB review this matter and require the furnisher to : Conduct a proper and lawful reinvestigation, and Correct the inaccurate late payment history to reflect that no late payment occurred. 

I am not requesting deletion of this account. I am requesting correction of the inaccurate payment history so that my credit report accurately reflects my true account performance. 

Thank you for your assistance in ensuring compliance with federal credit reporting laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: GA

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 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 2025-12-18 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:
After reviewing my credit report, I notice that I have fraudulent accounts listed on my credit report. The negative accounts have hurt my ability to obtain new credit. Please remove the collections as I have been a victim of identity theft.

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 2025-12-18 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: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased a Western Union money order for {$200.00}. On XX/XX/XXXX, it was successfully refunded to an individual who was neither the purchaser nor the intended payee. The payee never received the funds, and I did not authorize this refund. 

I contacted Western Union and spoke with a supervisor on XX/XX/XXXX, who escalated the issue. On XX/XX/XXXX, I followed up, but no resolution was provided. I was told to contact the police or hire an attorney, which is unreasonable given that this loss was caused by Western Unions own error. I was also given a phone number that was not functional.

Despite acknowledging the issue, Western Union has not provided a resolution. I am requesting a full refund of {$200.00} and a written explanation of how an unauthorized refund was issued. 

Case Number ( if applicable ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am submitting this dispute regarding inaccurate late payments reported for XXXX and XX/XX/year> on my XXXX federal student loan, account number ending in XXXX. The reported delinquencies are incorrect, invalid, and not supported by verified payment records, including balances reflected as {$1500.00}, {$1300.00}, {$7900.00}, {$6100.00}, {$6300.00}, {$19000.00}, {$2400.00}, and {$2400.00}. Pursuant to FCRA 611, credit reporting agencies are required to reinvestigate disputed information ; FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting inaccurate or unverifiable data ; 15 U.S.C. 1666 ( b ) requires correction of billing and reporting errors ; and 15 U.S.C. 1681a ( 2 ) ( xi ) provides that inaccurate information is not a permissible basis for maintaining or reporting consumer data. Because these late-payment entries are inaccurate and unverifiable, I request that they be deleted immediately, that a full reinvestigation be conducted, and that I receive written confirmation of the results and all corrections made to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: SC

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DE

Complaint narrative:
Dispute Request for Credit Report Correction Hello, I hope this message finds you well. I am reaching out to request the immediate removal of an erroneous account from my credit report. The account in question, dating back to 2018, has been mistakenly re-aged and is inaccurately listed as active. This situation is causing undue harm to my credit history and needs urgent correction. 
As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any inaccurate information on their credit reports. I have been assured by my new lease agreement with Nissan that this account would be removed upon signing. Despite this, the account continues to appear on my credit reports from all major bureaus. 
I kindly request that this account be removed promptly to reflect an accurate portrayal of my active account. Please confirm the removal of this account from all credit reporting agencies at your earliest convenience. 
Thank you for your prompt attention to this matter. 
Warm regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: LA

Complaint narrative:
XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX  and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NY

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, XXXX  & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 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