vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
CFPB Complaint Bank of America & Ghost Charges Disappearance Subject : Bank of America Enables Ghost Charges from XXXX Funds Held, Then Lost Description : I am a XXXX XXXX veteran living in federally subsidized senior housing in XXXX XXXX, XXXX XXXX. I am filing this complaint to document a recurring pattern of unauthorized debit card holds initiated by XXXX and enabled by Bank of America. 

These ghost charges are not linked to any valid transaction, order, or service. They consistently occur immediately after I unlock my debit card to conduct unrelated business. XXXX exploits this access window to push through phantom holds, and Bank of America allows these holds to persist for XXXX to XXXX business days. 

But here is the core issue : when these ghost charges fall off, my money does not come back. There is no refund, no notification, and no visible restoration of funds. The money simply disappears. Bank of America claims these are temporary holds, but they result in permanent loss of access to my fundswith no accountability. 

This is not a one-time error. It is a documented pattern of financial exploitation. Bank of America profits off the floatearning interest while XXXX and elderly customers are left without recourse. 

I have contacted XXXX customer service multiple times. I was promised refunds on XXXX separate occasions and received nothing. Bank of Americas policies enable this abuse and violate consumer protection principles. 

I am demanding : A full audit of all ghost charges and hold-related transactions on my account Immediate refund of all funds that fell off without being returned Enforcement action against both XXXX and Bank of America for XXXX and abusive practices I am prepared to provide documentation of : Charge history and timestamps Correspondence with XXXX My XXXX status and inability to resolve this in-store This is not a misunderstanding. It is a system designed to exploit. I am not seeking charityI am demanding accountability. 

Respectfully, XXXX XXXX XXXX XXXX Veteran | Consumer Advocate 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 explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I demand that Experian block and delete the following fraudulent account as mine. 

XXXX XXXX XXXX XXXX real estate mortgage with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 

Info has been exposed in multiple data breaches.

FRCA 611 15 USC 1681 I.

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 2025-09-22 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls underXX/XX/XXXX according toXX/XX/XXXX-Debt 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 am a victim of XX/XX/XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XX/XX/XXXX. Please delete the following accounts. 
XX/XX/VERVENT-TOTALVISA MRV-VERVENT-REVVI CAPITAL ONE

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 2025-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Nations Direct Mortgage, LLC
State: FL

Complaint narrative:
Never received any correspondence from the Servicing Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: NY

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is XXXX XXXX  accurate and verifiably connected to me. In this case, that standard is not being met.

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 2025-09-22 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I applied for the Savor One Capital One credit card under the assumption that I would receive the {$300.00} reward that was claimed for me. I was quickly made aware that it was a pretense after not receiving my reward after using this card for a while, now that I was not approved for the excellent credit, even though I have a credit card that has over a XXXX dollar monthly limit, no bankruptcy, and no debt. It appears I got approved on XX/XX/XXXX for this credit card as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The continued reporting of unauthorized and erroneous information on my credit file has persisted despite my ongoing efforts to have these items corrected through proper channels. This situation has created significant personal hardship and emotional burden, while also preventing me from obtaining necessary credit and financial services. I need to clearly state that I have no connection to these accounts or debts, as they originated from criminal activity where someone illegally obtained and misused my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bounce AI, Inc.
State: IL

Complaint narrative:
Bounce AI reached out to estranged, unsafe family members on XX/XX/XXXX and XX/XX/XXXX and gave out my personal information ( date of birth, address, supposed amount of debt. ) This is unacceptable and extremely dangerous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
According to 15 U.S. Code 1681g, the removal of disputed accounts is required within 15 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 explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: FL

Complaint narrative:
I attempted to purchase XXXX XXXX to the XXXX XXXX vs. XXXX XXXX XXXX baseball game at XXXX XXXX in XXXX XXXX  on XX/XX/year> through XXXX XXXX, using XXXX  as a payment method. The tickets were sent to an incorrect email address and I did not receive the tickets. I contacted Klarna and XXXX XXXX  on XXXX and XXXX/XXXX/2205 via email, chat, and telephone. I was told by both parties there was no record of the purchase and that I would not be responsible for the purchase. I was billed for the tickets which were finally tracked down over a month later. I did ask Klarna to investigate twice and they failed to resolve the issue and are still holding me financially responsible for a purchase that they erred in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: AZ

Complaint narrative:
I recently discovered some troubling unauthorized transfers from my Green Dot account that were initiated through my Cash App account on XX/XX/XXXX and XXXX, XXXX Notably, these unauthorized transactions are conspicuously absent from my Green Dot statement ; in fact, there are no recorded transactions on those specific dates ( please refer to the attached bank statement for verification ). 

This situation raises concerns that my account may have been compromised, or it could point to potential internal fraud involving Cash App. On XX/XX/XXXX alone, there were a disturbing total of 12 transfers, amounting to {$310.00}, which I neither initiated nor authorized. I urge you to examine the attached statements from both Green Dot and Cash App to understand this alarming discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gravamen Asset Management Group LLC
State: MO

Complaint narrative:
This letter is to inform you that I recently received your response to my account disputes you have provided to the CFPB Complaint Number : XXXX with no verification of ownership the debt published on my credit reports. You also failed to provide any assignment documentation or contracts giving you permissible permission to report a debt. You are legally bound to remove this account form all reporting agencies. XXXX, XXXX  and XXXX, you are legally obligated to remove all unverified and inaccurate information. 
I am demanding that XXXX, XXXX, and XXXX  investigate this account, and send me a copy of all the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. I am demanding that Kessler & Williams provide the following : 1. Assignment Contract or Full Chain of Assignment 2. Bill of Sale from the Original Creditor 3. Account-level Documentation : Signed Contract, Statements, XXXX Details 4. Contract from the original owner with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report continues to contain false and misleading entries that I have disputed multiple times without successful resolution. These incorrect items have caused considerable disruption to my personal and financial circumstances, creating undue hardship and emotional turmoil. I want to clearly establish that these accounts and associated information were never legitimately established with my knowledge or permission, as they stem from identity fraud committed against me by unknown individuals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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:
These disputed accounts must be removed within 15 days in accordance with 15 U.S. Code 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: PA

Complaint narrative:
I am disputing the HUD resolution issued on XX/XX/XXXX for FHA Loan # XXXX ( Case # XXXX ). While HUD and CalCon Mutual Mortgage LLC proposed a {$280000.00} loan modification, they also imposed a second lien of {$110000.00}. This second lien is inaccurate because it represents funds I already contributed and that were promised, in writing, to be applied at closing. These funds include home sale proceeds, land equity, construction loan payments I made out of pocket, builder-issued credits, and site preparation costs that I paid for directly.

Despite repeated submissions of documentation, HUD and CalCon failed to apply the following verified credits : FHA Loan Reductions ( Not Applied ) : {$170000.00} : Proceeds from sale of my former home ( Closing Disclosure dated XX/XX/XXXX ) {$51000.00} : Land equity from property I purchased in XXXX {$15000.00} : Interest-only construction loan payments I made to CalCon between XX/XX/XXXX and XX/XX/XXXX Construction Loan Reductions ( Builder-Issued Credits ) : Total : {$23000.00} documented in signed Change Orders from XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX {$2900.00} Construction Drive Credit ( CO # XXXX ) : {$9100.00} Gravel Allowance ( CO # XXXX ) : {$1100.00} Electric Line Allowance ( CO # XXXX ) : {$1200.00} Septic Allowance ( CO # XXXX ) : {$2000.00} Generator Credit ( CO # XXXX ) : {$1000.00} Final Principal Reduction ( CO # XXXX ) : {$6400.00} Out-of-Pocket Site Preparation Costs I Paid Directly : Total : {$12000.00} confirmed by paid invoices and receipts Tree Removal ( XXXX invoices ) : {$7000.00} Septic Inspection ( XXXX, XXXX ) : {$4500.00} Sewage Permit ( DEP ) : {$1100.00} These amounts were confirmed in writing by my loan officer, XXXX XXXX, who stated via email that everything would adjust at closing, including the money I paid out of pocket. However, none of these adjustments were reflected in the Final FHA Closing Disclosure dated XX/XX/XXXX. Instead, the loan closed at {$390000.00} an overcharge of more than {$120000.00}. Then, in XXXX, HUD and CalCon proposed a {$280000.00} modification plus an additional {$110000.00} lien, which wrongfully duplicates what I already paid. 

I am requesting a full review and audit of all loan documents, change orders, and payments. My actual FHA loan balance should be approximately {$270000.00} with no XXXX lien, and I am requesting immediate correction of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I check my credit report often, every month my scores go from mid XXXX to mid XXXX. I have no delinquent accounts, no judgements, excellent payment history. Yet my scores reflect someone who is irresponsible and has no income. I can say with certainty that the credit reporting agencies are purposely downgrading my scores because I am a XXXX XXXX XXXX Im tired of being XXXX because of the XXXXXXXX XXXX XXXX XXXX. Im sick of the lies and the runaround I get from the agencies and the government. I need people to stop being XXXX XXXX and treat others as XXXX has commanded. I need a grownup who can be objective and do their job the right way. If you cant help people or certain people, own it and tell me straight up. I dont have time for silly games, youre messing with peoples lives. And yes, I truly believe XXXX stole my information.

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 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
I contacted Cerulean Card Services to request the return of an overpayment of {$110.00} and to close my account. The payment posted over 30 days ago via debit card. Despite this, XXXX refuses to process the refund or close the account unless I agree to a conference call with my financial institution. I find this demand unreasonable and invasive. I do not consent to third-party access to my bank. The funds have cleared, and this delay and conditional demand constitute unfair business practices.

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 2025-09-22 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: FL

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX  as supporting evidence for my claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : XXXX - XX/XX/year> As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of one year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file. 
I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

Company response to consumer: Closed with explanation