vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I transferred {$30000.00} via domestic wire from XXXX Bank of America XXXX account to a XXXX XXXXXXXX savings account, using the correct XXXX  XXXX wire transfer number and my correct XXXX XXXXXXXX account number. I received confirmation from Bank of America several hours later that the transfer was successful, but the transfer was made to the wrong account and wrong bank, i.e. a credit union account that is in my name. It is impossible for this to be routing number to which I directed this wire transfer, as I did not even know the credit union 's wire transfer number. Bank of America, or whomever receives the electronic transfer routing and account number information, absolutely had to change these specifics. If possible, I would like an investigation as to what information was initially received and what information was submitted regarding this wire transfer. Bank of America refused to refund the wire transfer fee. I spoke to a Bank of America representative in person locally ; he said that I should have come in personally to initiate the wire transfer. I told him that I had called the Bank of America XXXX banking representative prior to making the wire transfer and asked if he could help, he told me it is easy to do online. Now I see why, as I can not prove the routing and account number that I stipulated. I have been a Bank of America customer for XXXX XXXX years.

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 2025-05-27 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: AR

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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 recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : 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 CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$8500.00} XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$10000.00} XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$5600.00} XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$8500.00} XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$8500.00} XXXX  XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$8000.00} XXXX  XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$6300.00} XXXX XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$16000.00} XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$6000.00} XXXX XXXX XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$1000.00} TD XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$1100.00} XXXX XXXX XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$1100.00} XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$00.00} Inquiries XXXX XXXX Date : XXXX XXXX OF XXXX Date : 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 2025-05-27 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 recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : 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 CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$8500.00} XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$10000.00} XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$5600.00} XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$8500.00} XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$8500.00} XXXX  XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$8000.00} XXXX  XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$6300.00} XXXX XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$16000.00} XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$6000.00} XXXX XXXX XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$1000.00} TD XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$1100.00} XXXX XXXX XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$1100.00} XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$00.00} Inquiries XXXX XXXX Date : XXXX XXXX OF XXXX Date : 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 2025-05-27 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-27 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding a dispute I submitted on XX/XX/year>, concerning an account reported as XXXX XXXX 

Under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), Equifax is legally required to provide a complete description of the procedures used to verify the accuracy of the disputed account within 15 days of receiving a request for the method of verification. 

On XX/XX/year>, Equifax received my mailed request for the method of verification, as confirmed by Certified Mail Tracking # : XXXX, which shows delivery to an individual at Equifax office at XXXX XXXX. Despite confirmed receipt, I have not received any response or documentation from Equifax within the XXXX legal timeframe. 

This constitutes a clear violation of the FCRA, and as such, I am demanding the immediate deletion and permanent blocking of the XXXX XXXX account from my credit report. If Equifax is unable to provide full and proper verification within the statutory timeframe, the law mandates removal of the account. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate enforcement action. The continued reporting of unverifiable information is unlawful and harmful to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ

Complaint narrative:
In XX/XX/year>, XXXX checks I sent to my landlord, totaling {$4000.00}, were fraudulently cashed. I reported this fraud to XXXX XXXX on XX/XX/year>. On XX/XX/XXXX, an investigator contacted me, requesting that I fill out an affidavit and have it signed by my landlord. I did so promptly and submitted it as requested. 

Since submitting the affidavit, I have had many questions and have tried to follow-up with the investigator. Since I filed the report on XX/XX/XXXX, I have received XXXX update from the investigator on XX/XX/XXXX ( after many calls, voicemails, and emails sent to their work email and work phone number, all which have been unanswered ). I received an email from the investigator on XX/XX/XXXX only after calling and speaking with representatives several times and having them reach out to them through their internal system. In the email all the investigator said was that they would get back to me soon, within a few weeks. However, they did not address my questions and the email left me with even more questions. I have followed up with emails and calls and since XX/XX/year>, and I have not received a single update from the investigator. 

I have called Charles Schwab many times and have talked with representatives and since the fraud team seems to be its own identify, no one is able to provide me with the investigator 's supervisor 's name or contact information. There have been times while I am on the phone with a Charles Schwab representative and they are live chatting with the investigator through their internal portal and they inform the representative that they plan to reach out to me that same day, however I never receive an update and have to continue to call and email with no response. The last time the investigator told a representative while I was on the phone with them that they would contact me that same day but never did was XXXX, XX/XX/year>. 

I have called and emailed multiple times and been told by customer service that there is no way to escalate the issue, and that they can only send a message to the investigator. I have not been given a case update, a timeline, or a supervisors contact information. I have no way of confirming that the case is being actively investigated. 

It has now been almost XXXX months since I submitted the requested affidavit and XXXX months since I filed the claim. I am still missing {$4000.00} from my account with no meaningful update. I am extremely frustrated by the lack of communication and resolution, and I am concerned that Schwab is not handling this case with the urgency or care that is required in cases of check fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXXXXXX 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 2025-05-27 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:
Hi, I have been exposed to identity theft and there is no way XXXX XXXX XXXX XXXX should have my information! Please remove this fraudulent account off my consumer report immediately, or I will TAKE FURTHER LEGAL ACTION!

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 2025-05-27 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: FL

Complaint narrative:
Hi, I have been exposed to identity theft and there is no way XXXX XXXX XXXX XXXX should have my information! Please remove this fraudulent account off my consumer report immediately, or I will TAKE FURTHER LEGAL ACTION!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX, XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 2025-05-27 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:
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 2025-05-27 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: GA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a paymen
t as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation