vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America charged me excessive fees. they closed my 20 year old account due to being overdrafted under {$30.00} for more than 120 days as they claim due to their own maintenance fees they charged yes that's right the {$30.00} was due to monthly maintenance fees bank of america charged overdrafting me while I was out on medical leave to then close my account with no notice no one reaching out due to the overdraft they charged from their fees. This company is shameless. They then placed a hold on my new account while I was lied to and discriminated against by the branch employees. The employees refused to cash my check although it was a bank of america check and told me that I needed to be a client to cash a boa check for that amount which I do have a boa account then they told me because I didn't have my physical debit card that's currently in mail and just my digital card they couldn't cash it on my account either. They said they would send a text to confirm it was me but did not allow the time for me to receive the check then they told me the only option was to deposit the check in my account and I would have the money the next day. I advised them I had just received the text to cash the check as it was back pay from medical leave I needed to pay my rent for them to.say there wasn't anything they could do and it was too late because they deposited the check. They wouldn't void the deposit or give my check back so I could go elsewhere and the next day instead of my funds being in my account my account was placed on a hold under review when it wasn't prior

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 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I initiated a {$5000.00} transfer from my SoFi Bank account to my XXXX XXXX account. 

After multiple follow-ups, XXXX confirmed XXXX the transfer was processed and provided the XXXX ID : XXXX. I have also been in contact with XXXX XXXX, but they responded ( in a letter dated XX/XX/XXXX ) that their records show no incoming deposit from SoFi Bank for {$5000.00}, and they therefore denied my claim. 

Given Capital Ones response, I am requesting that SoFi provide : A complete transaction record and ACH transmission details ( including receiving bank and account information ) for the XX/XX/XXXX transfer. 

Proof of delivery or receipt confirmation from the Federal Reserve or intermediary bank showing that the {$5000.00} was successfully transmitted and received by XXXX XXXX. 

Any supporting internal documentation or communication that verifies the status and destination of the funds. 

I have been trying to resolve this issue for several months, and XXXX XXXX denial makes it critical to confirm whether SoFis transmission was completed and received by the correct financial institution.

Please investigate this matter and provide documentation of where the funds were sent and what happened after transmission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against TransUnion due to inaccurate personal identifiers, unverifiable inquiries, and faulty derogatory reporting. My dispute letter notified TransUnion of significant deficiencies in their reporting, including multiple incorrect name variations, inconsistent address history, and misinformation regarding my employment and personal identifiers. 

I disputed several inquiries and derogatory accounts that TransUnion has not verified, particularly : XXXX XXXX Inquiry XX/XX/year> XXXXXXXX XXXX XXXX Alleged TransUnion has failed to provide any evidence of permissible purpose, valid application documentation, or Metro-2 compliant reporting. Several creditors informed me they retained no application data, could not verify the inquiry, or confirmed that the information reported does not match my identifiers.

TransUnion also failed to provide full-file disclosure as required by FCRA 609, including the sources of information, who accessed my file, and the complete structure of retained records.

Attempts to obtain validation under FCRA 611 were ignored. I was informed that TransUnion could not assist further and suggested I file a fraud report instead of addressing the reporting errors. TransUnion has refused to properly investigate, validate, or correct the disputed information. They are reporting unverifiable and inaccurate data, violating FCRA accuracy and reinvestigation requirements. CFPB assistance is needed to compel compliance and correct the harmful reporting.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/year> There is an alternative credit reporting company known as teletrack  XXXX  owned by Equifax. 

They provide credit info to companies. 

I am unable to get a report from them and no doubt they have set up this company to skirt the traditional credit reporting agency requirements. 

How do I or you compel them to give me the info that they have on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/year> I mistakenly paid {$3000.00} to Citibank. My personal bank told me of the payment. I called Citibank immediately asking for a refund 3 times, spoke with XXXX, XXXX and XXXX at customer service. Each time I call they give me the run around, asking me to changing my password, or telling me different dates the money will be refunded. It is now 8 days since I first complained and the refund hasnt not been issues I have no balance with this company and have not used the card in a year. 

I need this money to pay the original vendor I was trying to pay.

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 2025-11-13 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-13 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a dispute regarding inaccurate information on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). Below is a summary of the accounts in dispute, separated by credit bureau : Charged Off Account ( XXXX ) : Account Name : XX/XX/XXXX 

Account Number : XXXX Date Opened : XX/XX/year> Balance : {$3100.00} Late Payment ( XXXX ) : Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The following accounts on my TransUnion credit report are inaccurately reported, and I request they be investigated for discrepancies : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$62.00} XXXX Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} COLLECTION Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX XXXXI Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$980.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  ( XXXX ) : Currently no disputed inquiries listed. 

XXXX  ( XXXX ) : Currently no disputed inquiries listed. 

TransUnion ( XXXX ) : XXXX XXXX Date Opened : XX/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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/XXXX I recieved an email from Citi stating I opened up a credit card. I thought it was a scam so I deleted the email. Then a few days later XXXX XXXX alerted me to a new credit card opened. I did not open it so this was fraud. I called Citi Bank to let them know and its " Under investigation '' and under fraud alert. I was told to then freeze all my credit which I did and file with FTC ( which finally opened back up on XX/XX/year> to gov shutdown being over ). I absolutely did not open this line of 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 non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US BKPT CT MD XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Maryland Bankruptcy Court Main OfficeXXXX XXXXXXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
Tried to get a validation of debt and was unable to get this directly to the XXXX within the lot of time with the law states.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly review the materials supplied ; the inquiries arrived without warning and may not be authorized.

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 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, My wife initiated a {$5000.00} transfer from my XXXX Bank account to my Capital One account. 
XXXX confirmed the transfer was successfully sent out and provided a trace ID XXXX. After I reported the mistake, XXXX contacted Capital One via an XXXX  ( Hold Harmless Letter ) requesting return of the funds. However, on XX/XX/XXXX, XXXX informed me that Capital One declined their request, stating that no funds remain from the transaction identified in the XXXX. 

Later, Capital One also responded to my CFPB complaint ( dated XX/XX/XXXX ) and stated that their records did not show an incoming deposit from XXXX Bank for {$5000.00}. This contradicts XXXX confirmation that the transfer was completed and funds were deposited into a Capital One account. 

I believe XXXX of the institutions ( either XXXX or Capital One ) has failed to properly trace or handle the misdirected funds. I am requesting CFPB assistance in having both banks re-investigate this transfer and provide a clear, documented explanation of where the funds were received and why they can not be returned. 

Key Details : Transfer Date : XX/XX/XXXX Amount : {$5000.00} Sending Bank : XXXX Bank Receiving Bank : Capital One Trace ID : XXXX Intended Account : Capital One account ending in XXXX Incorrect Account Entered : XXXX XXXX  case contact : XXXX XXXX ( XXXX ) Capital One CFPB Response Date : XX/XX/XXXX I have cooperated fully with both banks and provided all documentation. However, both XXXX and Capital One have denied responsibility, and I have not been able to recover my funds. I respectfully request XXXX  help to determine where the funds are and ensure accountability for this transaction error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My phone number & online access email to navy federal was somehow compromised which gave scammers access to my number calling from Navy federal customer service phone portraying to be an navy federal worker to gain access to my online banking which persuaded me to believe that my account was compromised and they were securing my account. They then proceeded to provide me with a new debit card number which was suppose to belong to me but actually belong to whoever was on the receiving end and the money was sent to the unknown recipient. The scammers then proceeded to move money from my credit card which was stopped by navy federal security and then I finally was alerted that its a possible scam. Only half the claim was approved which was credit card move. Even the fraud department supervisor raised an eyebrow to why my claim was denied Few weeks later me and my friends went on a vacation to XXXX XXXX where my phone was confiscated by some individuals who gained access to passwords and card information for XXXX XXXX & XXXX  .. there were MULTIPLE repeated suspicious transactions in little time and navy federal claimed that it looked like normal activity which is very biased and unfair. I sent in evidence and both claims were unfortunately denied. In total I Lost over XXXX dollars due to fraudulent activity and claims were unfairly denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: OH

Complaint narrative:
I am writing to file a dispute regarding the following accounts on my credit report that I believe are inaccurate or incomplete. Please review the information below, separated by each credit bureau ( Equifax, XXXX, and XXXX  ). 

Inquiries : XXXX XXXX, XX/XX/year> Late Payments : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief