vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
My wife and I had a checking account at Bank of America that we had to close in XX/XX/XXXX. When we closed it, the bank mailed us a check with the available balance. However, the bank made a mistake, and the check was made out to someone not associated with our account, who cashed it. 
We then filed the corresponding formal complaint ( # XXXX ) with the bank 's fraud department on several occasions, each time sending all the requested documentation. 
On XX/XX/XXXX, we received an email stating that the complaint had been resolved favorably. I attach this email. 
At that point, I called and was told they were going to send a new check. They asked me to confirm my mailing address to avoid a repeat of the problem that had occurred with the first check. I confirmed my address and was told that the check was already being sent. 
Since we still hadn't received it by XX/XX/XXXX, I called again, and the person who got me couldn't say for certain whether the check had been sent. However, they said they would send it immediately after verifying that it hadn't been cashed. 
In XX/XX/XXXX, I called again, and they told me the check had never been sent in XXXX or XXXX, and they promised again they would send it, which would take about XXXX days. 
In this case, as in the previous cases, I requested that the check be sent to us by express courier ( XXXX, XXXX, or similar ), with the postage at our expense. 
Now, in XX/XX/XXXX, XXXX years after closing the account, we still haven't been able to collect the remaining balance. I just called the bank XXXX times and received help from different people, none of whom could assure us that the check had been sent.

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 2025-08-05 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: AZ

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2025-08-05 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: AZ

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: VA

Complaint narrative:
am writing to formally dispute the reporting of the following fraudulent accounts on my credit report : Credence Resource Management Account Number : XXXX * * * * XXXX XXXXXXXX Account Number : XXXX These accounts were opened and/or reported without my knowledge, consent, or authorization. I did not initiate or approve these accounts, and they constitute identity theft. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information, and you are required by law to investigate and resolve disputes within 30 days. 
Attached you will find : A copy of my government-issued ID Proof of address ( utility bill or bank statement ) A signed FTC Identity Theft Report or police report ( if available ) A copy of the credit report showing the fraudulent entries I demand that these accounts be immediately investigated and removed from my credit file. If these accounts are not removed or if no appropriate response is received within 30 days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action. 
I expect written confirmation that these accounts have been removed, along with an updated copy of my credit report.

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 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: MN

Complaint narrative:
Someones is fraudulently using my information to create Cash App accounts and I am receiving the details via XXXX MAIL. I contacted Cash App support but they are unable to help me close the fraudulent account I have never made a Cash App and someone is using my picture and my ID and SSN to make Cash App accounts I want my social security number to be blocked from all Cash App accounts or the closure of all accounts which use my social security number $ XXXX is the fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting the removal of a fraudulent account that appears on my credit report. This account is not mine, and I have never applied for or maintained it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: MA

Complaint narrative:
I am a victim of identity theft. Certain fraudulent accounts appeared on my Experian credit report. I disputed these accounts, and they were deleted ; however, they have since reappeared or similar fraudulent accounts have been reported again. 

Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), once a consumer provides an Identity Theft Report, the credit reporting agency must block the fraudulent information within four ( 4 ) business days and ensure it is permanently excluded from the consumers credit file.

Additionally, under Section 611 ( 15 U.S.C. 1681i ( a ) ( 5 ) ), if previously deleted information is reinserted, the agency must provide written notice to the consumer before reinsertion and certify accuracy with the furnisher.

Experian has failed to permanently block these fraudulent accounts and/or has reinserted them without following the required legal procedures. This is a violation of my rights under the FCRA.

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 2025-08-05 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: PA

Complaint narrative:
b'I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act (FCRA), I5 U.S.C.  1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information (15 U.S.C.le(b)) and conduct a reasonable investigation of disputes raised by consumers (15 U.S.C.  1681). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed: XXXX XXXX XXXX XXXX XXXX XXXX XXXXREPORTING ON ALL BUREAU ( XXXX XXXX  AND TRANS UNIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX AND TRANS UNION)XXXX XXXX XXXX XXXX ON TRANS UNION\XXXXDespite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C.  1681e(b) and  168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
b'I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act (FCRA), I5 U.S.C.  1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information (15 U.S.C.le(b)) and conduct a reasonable investigation of disputes raised by consumers (15 U.S.C.  1681). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed:  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 XXXXDespite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C.  1681e(b) and  168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent correspondence regarding the account ending in XXXX, which included documentation you claim validates the debt. I have carefully reviewed the documents provided, and I continue to dispute the validity of this alleged debt. 

While you have submitted account summaries and references to previous owners of the debt ( XXXXXXXX XXXX XXXX XXXX XXXX ), the information remains incomplete and insufficient for the following reasons : 1. No Original Signed Contract You have not provided a signed agreement between myself and the original creditor that establishes my liability for this account. 
2. Lack of Full Account History The documents do not contain a full itemized account history showing how the balance of {$1900.00} was calculated, including charges, interest, and fees.

3. Chain of Title You state that XXXX opened the account, XXXX owned it later, and XXXX acquired it. However, no legal documentation ( such as bills of sale with account-level information ) has been presented to prove that the debt was properly assigned to PRA wit

h the legal right to collect.

4. Statute of Limitations If this debt is related to an account last active in XXXX it may be time-barred depending on the applicable statute of limitations in my state. You have not provided any information to prove this debt is still legally enforceable. 
5. Consumer Reporting If you are furnishing information to any credit reporting agencies, this account must remain marked as disputed under the Fair Credit Reporting Act ( FCRA ). I also reserve the right to request deletion of this entry if the dispute is not resolved in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MA

Complaint narrative:
b'I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act (FCRA), I5 U.S.C.  1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information (15 U.S.C.le(b)) and conduct a reasonable investigation of disputes raised by consumers (15 U.S.C.  1681). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed: XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION)XXXXDespite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C.  1681e(b) and  168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective 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 2025-08-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I had this card that was a XXXX XXXX XXXX Credit Card through XXXX for a couple of years. I paid the balance down to {$0.00} around XX/XX/year>. On XX/XX/year> I called at XXXX XXXX to close the card. The process was easy, I was surprised honestly. On XXXX, 2025 they had charged a {$99.00} annual fee. When I closed it, I was prepared to pay that fee before closing, but the rep on the phone said I did not have to worry about it. I asked her for clarification, and she said the fee would be waived. This call lasted 3 minutes. I was very surprised and was impressed by this, and left the call happy. Since then I have been called at least once per day, and today I had a talk with them for 12 minutes starting at XXXX XXXX. They are trying to make me pay the {$99.00} fee, and saying my bill is late. I assume they are adding late fees as well, but I am not sure yet. I asked repeatedly for a supervisor and never got one, I was told to call back in an hour. I asked for them to call me back and they said they would not. I asked if a supervisor could review the recording, and they said they could not. I then asked repeatedly for the recording, and never got anywhere. I figure the best way to get this going before in turns in to something bigger is to file a complaint. I know the recording has this proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-05 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 non-monetary relief
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief