vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Over a period beginning XX/XX/XXXX, and continuing into XXXX, more than {$86000.00} was withdrawn from my Bank of America checking account via unauthorized transfers to an individuals XXXX XXXX credit card account. The payee is XXXX XXXX, someone I had previously used XXXX with but I never authorized her to set up automatic or recurring transfers from my account. 

These transactions were not made by me, and I did not provide consent for my account to be linked to or used for her debts. There are a total of XXXX unauthorized withdrawals, which I have documented with highlighted bank statements. 

Bank of America failed to detect or alert me to this pattern of suspicious activity : repeated, frequent large payments to a third partys XXXX account. Despite my history of minimal or one-time personal transfers to this person, the bank allowed tens of thousands of dollars to be taken over a long period. 

I filed a police report and formally reported the issue to Bank of America. However, they have not yet provided provisional credit or explained why their fraud detection system failed to act.

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 2025-08-05 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: FL

Complaint narrative:
To : TransUnion & Experian Dispute Departments RE : Multiple Dismissed XXXX  XXXX  Bankruptcy Filings You are reporting multiple Chapter 13 bankruptcies that were dismissed. Dismissed filings carry no legal weight on indebtedness and do not reflect a consumers creditworthiness in the same manner as a discharge.

Pursuant to 15 U.S.C. 1681e ( b ) and 1681c ( a ) ( 1 ), please provide documentation supporting continued reporting of these entries, their accuracy, and their non-duplicative nature. If no legal judgment or discharge exists, these records should be suppressed or deleted. 

I request a reinvestigation and deletion of any inaccurate or duplicative public records within 30 days. 

I have filed a report with the FTC. 

Sincerely, 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have had so many problems with Experian. I can not login to their website because for some reason ( probably a recent identity theft ) they have the wrong contact info. I can not verify my identity over the phone because they have the wrong answers to security questions and pin number. They told me I could submit documents online to verify my identity, but every time I try, it just comes up with an error message. I'm trying to get pre-qualified for a mortgage but can not remove the freeze on my account because of all the false information they have associated with me.

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 — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: MS

Complaint narrative:
Checkr is INCORRECTLY reporting my drivers license INELIGIBLE/PASSENGER type to XXXX. I have disputed this several times & they will NOT update it, despite me providing proof that my license is ELIGIBLE & a regular operator license. XXXX used Checkr TODAY to run a random background check with the SAME license # & it came back clear. Checkr has cost me hundreds of dollars with this incorrect reporting on XXXX because I've lost the opportunity for a XXXX they had running which has now ended.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX account was previously reported as delinquent on my credit reports. I disputed the accuracy of the account, and it was subsequently removed from my credit file. However, the account was later reinserted by both TransUnion and Experian, without proper notice or verified documentation. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to : Conduct a reasonable reinvestigation, including notifying the data furnisher and reviewing all documentation submitted by the consumer. 

If the information is removed as a result of a dispute, it can not be reinserted unless the furnisher certifies that the information is accurate and complete. 

If the item is reinserted, the bureau must inform the consumer in writing within five business days ( FCRA 611 ( a ) ( 5 ) ( B ) ).

In this case : I was not notified of the reinsertion within the legally required timeframe. 

I received no verification documents supporting the reinsertion. 

My specific, lawful requests for documentation and explanation were ignored. 

I requested the following from both the credit bureaus and the furnisher, XXXX XXXX XXXX, and received no response : The method of verification used during the investigation. 

The name and address of each entity contacted during the reinvestigation. 

A full reinvestigation, given that the collector failed to provide proper debt validation. 

A signed contract/agreement allegedly bearing my signature. 

Proof of the original debt, including itemized statements. 

A chain of title or assignment of the debt to XXXX XXXX XXXX. 

This lack of transparency and proper procedure appears to violate several sections of the FCRA and has resulted in a continued, unjustified negative impact on my credit standing.

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 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I had the following fraudulent charges marked " XXXX '' taken from my XXXX  account. The money was taken from my XXXX  account balance directly. 

XX/XX/XXXX : {$34.00}, {$61.00} XX/XX/XXXX : {$52.00} XX/XX/XXXX : {$37.00} XX/XX/XXXX : {$110.00} They were not from my XXXX  account, as there was no record on my end or XXXX 's end when I called them. 

So they must have logged into my XXXX  on their XXXX account and made these charges. I have not used XXXX  in two years, this was not me. 

I reported this to XXXX  and they denied my claim, also denied my appeal to the result of the claim. Stating the charges " looked consistent with my other charges ''. 

Please help.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00}

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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>2025, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely XXXX  and XXXX  triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future.

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused.

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance.

Thank you for your immediate attention to this urgent 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to request the removal of any dispute statements, notes, comments, or remarks associated with the following account ( s ) on my credit report : Account Name : XXXX XXXX Account Number : XXXX Dispute Note/Comment : Consumer disputes this account meets FCRA requirement

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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
ALLY is falsely reporting on my credit. I have never had any accounts with them. Per my research ALLY is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES' CREDIT UNION
State: OR

Complaint narrative:
The bank account that I am referring to in this message was from my account at : BECU credit union The info you see below was what I informed them of as they try to do something but they are not very good at it I think. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On the morning of XX/XX/XXXX, I received an email from my BECU credit union, that there was a withdrawal of {$4900.00}, by ( XXXX XXXX ). 

I immediately attempted a login to XXXX, and was refused because I did not have a '2FA ' set up to login. 

I followed the instructions I could find. I received some emails from XXXX  that told me make another attempt to sign-in. I tried to follow the instructions. 

Eventually I was finally able to login. Working with the 2FA was far below my issues as I begin scanning what the {$4900.00} from my account had been done with. 

I hope you will take a look at the activities that were done. I did not have any part in them. 

I did finally convert the amount of approx. {$4300.00} into cash. My plan was to get it out of the account so that something else might not happen. 

I have no idea on who the person might be who has done this with my account. I have had no experiences with any scammer or thief. 

I hope that you will take a look at my account and learn something from the actions. The only actions that I have done is trying to get the money out of the account and back where it came from. 

I still do not know how to move the money. I am not well experienced with XXXX  and the directions that I try to understand.

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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$4200.00} Account name XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$4200.00} Account name XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$2200.00} Account name XXXX XXXX  XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$1100.00}

Company response to consumer: Closed with explanation