vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Date : XX/XX/year> Subject : Formal Complaint Against Bank of America for Withholding Cleared Funds and Improper Account Handling To Whom It May Concern, I am filing this formal complaint against Bank of America for its improper freezing and attempted forfeiture of {$110000.00} that was returned to one of my previously closed accounts by XXXX Bank. The conduct of Bank of America in this matter constitutes bad faith, unjust enrichment, and wrongful retention of funds. 

Summary of Events : On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) returned {$110000.00} to my former Bank of America account ( ending in XXXX ), despite being explicitly instructed not to do so. 

Bank of America accepted the funds into this closed account, which I had previously been told would be handled and followed by a certified check to me once the account was officially closed. 

Instead, on XX/XX/year>, I received written notice from Bank of America stating : The account is closed. 

The funds will not be returned. 

They are freezing the funds under internal review. 

They intend to return the funds back to XXXX XXXX  citing the original ( now discredited ) forged/fraudulent designation. 

Why This is Improper : There is no fraud or dispute. I have provided a sworn affidavit from XXXX XXXX, the check issuer, affirming the legitimacy of the original transaction. 

XXXX corrected the fraud claim and intentionally returned the funds. 

Bank of America has no legal basis to hold or return these funds, which belong to XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 

Legal & Financial Impact : Bank of America has unlawfully retained {$110000.00} that rightfully belongs to XXXX XXXX XXXX XXXX. 

I am now in a situation where neither bank will release the funds, leaving my business exposed to financial hardship. 

Bank of America is engaging in behavior that rises to the level of conversion and unlawful possession, in potential violation of consumer protection and banking laws. 

Relief Requested : Immediate release of the {$110000.00} to the correct account per my original instructions. 

Regulatory investigation into Bank of Americas handling of this matter. 

Financial penalties and enforcement actions for any violations found. 

I have attached all relevant correspondence, including the official letter from Bank of America and prior instructions to XXXXXXXX XXXX I respectfully request that this matter be treated as urgent. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against [ Credit Bureau Name ] for failing to properly investigate and correct inaccurate information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Background of the Dispute On [ Date of Initial Dispute ], I submitted a dispute to [ Credit Bureau Name ] regarding multiple closed accounts that were inaccurately reported as Charge Off or Collection despite being fully paid. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureau was required to conduct a reasonable reinvestigation within 30 days. However, they have failed to correct or properly update the information despite providing supporting documentation.

Violations of the Fair Credit Reporting Act ( FCRA ) 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) The credit bureau is legally obligated to investigate disputes and correct or delete any inaccurate, incomplete, or unverifiable information.

2. Failure to Maintain Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Credit reporting agencies must ensure that consumer reports are accurate. Continuing to report paid accounts as charge-offs or collections violates this standard.

3. Failure to Update and Correct Information ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) Data furnishers ( creditors/collection agencies ) must update accounts to reflect accurate statuses. If the credit bureau failed to request verification from the data furnisher, they are in violation of this requirement.

Requested Resolution I request the CFPB to take immediate action against Equifax and transunion and ensure compliance with the FCRA. Specifically, I am seeking : The immediate correction or deletion of the inaccurate accounts.

A written explanation from the credit bureau detailing why they have failed to properly investigate and correct my dispute. 
CFPB oversight and enforcement to prevent further violations affecting other consumers. 

I have attached copies of my original dispute letter, credit report, and any responses received from the credit bureau. If this issue is not resolved promptly, I will consider further legal action for willful non-compliance with federal law. 

Thank you for your time and attention to this matter. I look forward to your response and a fair resolution. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has failed to fulfil its legal obligation under the Fair Credit Reporting 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 Experian, 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 Experian 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 Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-01 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: CA

Complaint narrative:
Im writing to dispute an inquiry on my credit report that I never authorized. I did not give permission to pull my credit, and this inquiry is completely unauthorized.

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 2025-04-01 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The consumer financial protection bureau ( CFPB ) is issuing a final rule amending regulation V, which implements the fair credit reporting act ( FCRA ), concerning medical information. The FCRA prohibits creditors from considering medical information in credit eligibility determinations. The CFPB is removing a regulatory exception that had permitted creditors to obtain and use information on medical debts notwithstanding this statutory limitation. The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using. This must be removed immediately as it is going against the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Their system automatically charged me for two months billing. I called four different times afterwards and each time they confirm to me that I paid for two months in XXXX telling me that my next bill was not due and tell XXXX. Then I get a bill for XXXX telling me that my two payments were actually just one payment. I let them know that the automated system told me it was charging me for two months. I also let them know that customer service confirmed 4 different times that I paid for two separate months at once through the automated system that forced me to do it, but now its only showing that I paid a large amount, way above the minimum payment, and only acknowledging it as a single months payment. They refused to do anything to correct the problem. They refused to look back at the past recorded phone calls. They wont even let me file a complaint with the company.

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 2025-04-01 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: DE

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-04-01 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: AL

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: TN

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : DEPTEDXXXX XXXX  XXXX - XX/XX/XXXX - {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$880.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$560.00} XXXX - XXXX - XX/XX/XXXX - {$2400.00} XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$16000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$260.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$3200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$400.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-01 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: IL

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I XXXX XXXX  in XXXX. I had taken out loans with XXXX XXXX each year to pay for my college expenses. I XXXX with roughly {$30000.00} in debt. Half of this total was paid off in XXXX upon XXXX. In XXXX, I consolidated the rest of my loan with XXXX. I have been paying them ever since, and am currently in good standing. In XXXX of XXXX, Aidvantage claimed I owed them over {$12000.00}. I did not notice this until it started to affect my credit. Late in XXXX of XXXX, I contacted Aidvantage to sort the issue out. They were rude, hung up on me, and were not giving me proper information about how I owed them money. This is affecting my credit and making my life harder. Everything with XXXX XXXX is paid off, as XXXX has the rest of the loan. I do not owe Aidvantage any money, and their delinquency charges of late payment needs to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-01 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
I noticed my account was in the negative which is odd because I have oped-out of overdraft, and confirmed it. I called the bank and they said that opting out only protects me from certain charges and that some may still go thru. I explained that doesn't make sense because I have overdraft turned off and expected the transactions to decline, however they said could only offer me back half the XXXX dollar overdraft charge. I told them I was going to have to complain to the CFPB and then they offered me the full fee back but would not stop payment and return funds for the transactions that SHOULD have declined. It is very sad that banks will only honor their word when people threaten to get the government involved and this practice needs to be stopped. This is the second time this has happens to with Hancock Whitney bank so I hope someone steps in and ends these deceptive predatory practices. No banks policy should trump the law leaving us consumers out time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
on XX/XX/year> at XXXXXXXX XXXX I was notified that wells fargo detected unusual activity on my account. I immediately called and they cancelled one pending charge and cancelled my debit card. They opened a fraud case to investigate two other charges XXXX to XXXX XXXX as a recurring charge and XXXX to XXXX XXXX. I was told that there would be an investigation. 

On XX/XX/year> I was informed that my case was closed and that " We've determined that an error did not occur and have sent you a letter by mail with additional details of our review. '' I have called back today and asked for my case to be escalated. Wells Fargo has said they are escalating to Visa but there may not be a response for up to 90 calendar days.

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 2025-04-01 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:
Despite being provided legal documentation, you have continued to report inaccurate, unverifiable, and fraudulent data, which places you in willful violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

YOU ARE CURRENTLY IN VIOLATION OF THE FOLLOWING FCRA PROVISIONS : FCRA XXXX [ XXXX U.S.C. XXXX ] Failure to Block Fraudulent Information Upon receipt of an Identity Theft Report, you are legally required to block fraudulent data within 4 business days. You have failed to do so.

FCRA 623 ( a ) ( 6 ) [ 15 U.S.C. 1681s-2 ( a ) ( 6 ) ] Reporting Information After Notice of Identity Theft A data furnisher is prohibited from reporting information that it knowsor has reason to knowis the result of identity theft. Your continued reporting is unlawful.

FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] Failure to Investigate Disputed Information You are required to conduct a reasonable reinvestigation upon dispute. No such valid reinvestigation or outcome has been provided.

FCRA 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ] Failure to Provide Method of Verification You must disclose the method of verification used to confirm the disputed data. You have failed to provide this in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: OH

Complaint narrative:
Despite being provided legal documentation, you have continued to report inaccurate, unverifiable, and fraudulent data, which places you in willful violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

YOU ARE CURRENTLY IN VIOLATION OF THE FOLLOWING FCRA PROVISIONS : FCRA XXXX [ XXXX U.S.C. XXXX ] Failure to Block Fraudulent Information Upon receipt of an Identity Theft Report, you are legally required to block fraudulent data within 4 business days. You have failed to do so.

FCRA 623 ( a ) ( 6 ) [ 15 U.S.C. 1681s-2 ( a ) ( 6 ) ] Reporting Information After Notice of Identity Theft A data furnisher is prohibited from reporting information that it knowsor has reason to knowis the result of identity theft. Your continued reporting is unlawful.

FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] Failure to Investigate Disputed Information You are required to conduct a reasonable reinvestigation upon dispute. No such valid reinvestigation or outcome has been provided.

FCRA 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ] Failure to Provide Method of Verification You must disclose the method of verification used to confirm the disputed data. You have failed to provide this in writing.

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 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
I recently opened a joint checking and saving account with my partner through SoFi Bank on XX/XX/XXXX and transferred a total sum of {$28000.00} to set aside for a down payment on a property we are building. The transactions came from XXXXXXXX XXXX and were split between three, of {$11000.00}, {$1500.00}, {$14000.00} of On the morning of XX/XX/XXXX, SoFi sent out communication that our account was closed effective immediately with no specified reason other than we violated their " SoFi Bank Account Deposit Agreement ''. We called several times and asked for more clarity on the reason why our account was closed but could not get any additional information. Upon asking for an account statement/transaction summary, we were told that this information could not be provided because our account is closed. We need a paper trail of all transactions because we are in the middle of the mortgage process with XXXX XXXX XXXX XXXX and are closing on our property in early XXXX of XXXX.

Company response to consumer: Closed with explanation