vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Subject : Fraudulent/Unauthorized Charges on My Bank of America Credit Card Account XXXX XXXX XXXX I am writing to formally report fraudulent and unauthorized transactions on my Bank of America credit card account. 

The following charges were made without my knowledge or consent : XX/XX/year> {$34.00} XX/XX/year> {$7500.00} XX/XX/year> {$300.00} XX/XX/year> {$120.00} Total {$7900.00} According to the bank statement, {$7500.00} was transferred via direct deposit to XXXX XXXX XXXX XXXX  using my name. I would like to clearly state that I have never opened an account with XXXX XXXX XXXX and did not authorize this transfer. 

Furthermore, I never requested any debt or cash advance from Bank of America. All of the above transactions are fraudulent and unauthorized. 

At the time of the incident ( XXXX XXXX XXXX ), I was traveling with my family in XXXX, XXXX  ( airline ticket enclosed ). My credit card was physically with me and used only for legitimate purchases at local stores during that trip. Upon returning home to XXXX XXXX, I visited my local Bank of America branch, reviewed my account activity, and discovered the unauthorized transactions. 

I filed a claim with Bank of America on XX/XX/year> ( Claim ID : XXXX ). I also filed a report with the local police department ( Report No : XXXX ) and the Federal Trade Commission ( FTC Report ID : XXXX ). 

Despite several written and verbal follow-ups with Bank of America , my claim has not been resolved. Instead, I continue to receive notices demanding payment for these fraudulent charges, for which I am not liable. 

I affirm that I have never shared my credit card or personal information with anyone, nor authorized anyone to use my card. 

Additionally, I discovered XXXX unknown and inaccurate addresses listed under my name in my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have never lived at these addresses. It is clear that I am a victim of identity theft. 

I respectfully request your urgent assistance and guidance to : Clear these unauthorized charges from my account, Prevent further damage to my credit, Remove the fraudulent addresses from my credit report, And relieve me of any financial responsibility resulting from this identity theft. 

Thank you for your attention to this serious 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 monetary relief
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
Dear TransUnion, I am formally disputing the inaccurate and unlawful reporting of XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, which currently reflects repeated charge-off statuses since XX/XX/XXXX. This derogatory status has been reported across multiple years, including recent updates through XX/XX/XXXX, in direct violation of federal consumer protection laws and Metro 2 standards.

I have made numerous prior attempts to resolve this matter through proper channels. Despite my efforts, the information continues to be misreported. 

Violations Identified : 1. FCRA section 1681e ( b ) You are required to maintain procedures that ensure maximum possible accuracy. Ongoing charge-off notations long after the original charge-off date falsely inflate the damage to my credit. 
XXXX. FCRA section 1681s-2 ( a ) Furnishers are barred from reporting data they know is inaccurate. Continuing to report monthly charge-offs post-closure and post-default is a violation.

3. Metro 2 Compliance Standards Per industry guidelines, a charge-off should be recorded once at the time of the event. Repeating the charge-off status monthly violates Metro 2 formatting and causes cumulative harm.

4. FCRA section 1681c ( a ) ( 4 ) Adverse data like charge-offs must not be reported beyond 7 years from the original date of delinquency. The extended derogatory status suggests improper re-aging or false continuation of default. 

This Is a Formal Complaint to the CFPB Due to your failure to correct this inaccurate and damaging reporting, this letter serves as part of my formal complaint to the Consumer Financial Protection Bureau ( CFPB ). 

If this account is not permanently deleted within 30 days of receipt, I will immediately escalate this matter to : - The Federal Trade Commission ( FTC ) - The Attorney Generals Office - Enforcement under FCRA, FDCPA, and other applicable federal law Thank you

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted legally sufficient identity theft documentation to all three bureaus under FCRA XXXX. These included a notarized affidavit, FTC report, highlighted IdentityIQ report dated XX/XX/XXXX, and proof of identity, all mailed via certified mail. Some accounts were removed selectively, but key violations remain. 

Equifax dropped my score nearly XXXX points and failed to add the required consumer statement. XXXX and XXXX continue reporting unverifiable accounts, inaccurate names, and false public records. 

I demand enforcement of FCRA XXXX XXXX deletion requirement and GLBA XXXX for unauthorized reporting and improper personal data use. Please reference my XX/XX/XXXX uploads. This is my final request before initiating arbitration and pro se legal action under FCRA XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: MD

Complaint narrative:
The 1 account and 3 inquiries that are reporting negatively on my EXPERIAN credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( PLEASE SEE ATTACHED )

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 2025-06-09 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:
I received an alert my credit score decreased XXXX points due to delinquent payment from XXXX  XXXX XXXX. I called the credit card company and let them know I did not authorize no one to open an account in my name. I asked them where was the card delivered and what purchases were made. They advised they could not give out that 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 2025-06-09 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: FL

Complaint narrative:
I am requesting that Experian immediately delete the inaccurate account information in question or provide verifiable documentation substantiating its accuracy. I was negatively impacted after receiving a generic response that the accounts were " verified, '' without any evidence or proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I've attached the response they provided but have yet to close my previous CFPB investigation, so that they can ride out the full 60 days without further escalation. That is unacceptable, thus here is my complaint yet again. 

Experian 's failure to provide supporting documentation or conduct a meaningful reinvestigation violates my rights under federal law and has harmed my ability to obtain credit. I also became aware of recent legal action involving the CFPB and Experian, which raises further concerns regarding their dispute-handling practices. Experians continued noncompliance has materially harmed my ability to obtain credit, and I respectfully request that this matter be resolved promptly and in good faith to avoid further regulatory escalation.

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 2025-06-09 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/year> I executed a purchase from a website called itgaps.com for a rubbermaid utility cart listed for XXXX dollars using my paypal credit card by synchrony bank. With tax the total came to XXXX the company selling the product claimed to be based in XXXX  XXXX 

i received an email notification of the charge dated XX/XX/year> from paypal. 

the notification looked strange, as if it wasnt from a commercial seller. it listed the merchant as XXXX it did contain my proper shipping address. 

the item was listed as a long string of numbers " XXXX '' the charge was XXXX and the XXXX this had transaction id : XXXX. 

Also, the merchant information is listed on paypal account in XXXX characters. 

At this point something seemed off, but i was still hopeful my item would arrive. 

the next day i logged into my paypal account, and their was a banner at the top of the page saying i needed to verify information. i did and i called customer service to verify everything was okay and to express my concerns over the recent transaction. they assured me everything was fine. within XXXX hours, they permanently banned my account and denied my appeal. I attempted to dispute the transaction, through paypal and first they required i reach out to the merchant, i sent and email to the address associated with the merchant and waited a week as instructed, then i filed a formal dispute, which was rejected. 

I have used paypal for over a decade and this was a very strange experience. 

I never heard back from the merchant and recognize that it was obviously a scam.

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 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I am in the military and I signed up for the AMEX XXXX card because XXXX  members dont have to pay the membership fee. I still received the membership fee on my monthly statement the first month. I submitted a complaint and told them that I still received the charge even though I was on XXXX XXXX orders and they said they would remove it. Later, I received a letter saying that I wasnt eligible for the XXXX  benefits, I called again offering to provide more documentation, they said wouldnt need it and they would remove the fee. Afterwards, I received the same letter again. I called a third time and they said I they cant refund the me because its been over XXXX days since the fee was paid. This started in XX/XX/year> and the last time I call was in XX/XX/year>, I would still like to get this issue resolved, but AMEX customer service hasnt been any help and I get same result every time I call so I feel I need to escalate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
On XX/XX/year>, I purchased a laptop from XXXX using my American Express credit card. However, the laptop was never delivered. I attempted to contact XXXX to resolve the issue, but I was unexpectedly locked out of my XXXX account, which prevented me from accessing my order information or communicating with their customer service. 

I then filed a XXXX XXXX claim with American Express. I also filed a police report with the XXXX XXXX XXXX  and submitted both the report and the purchase receipt to Amex. 

Despite submitting all required documents, I have not received any resolution or meaningful update from American Express. I have followed up, but there has been no clear response or progress. 

I am able to provide the order confirmation, emails received from XXXX, and a copy of the official police report to support this claim. I respectfully request that the CFPB assist in ensuring that this matter is handled fairly and without further delay.r.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX I STARTED A BUSINESS. I ALREADY HAD A REGULAR BANK OF AMERICA ACCT BUT NOT A BUSINESS ACCOUNT. I WAS TOLD SOMEONE IN BUSINESS WOULD CONTACT ME. SHE DID. HER NAME WAS XXXX she was a supervisor at the Bank of America in XXXX XXXX CA, on XXXX XXXX We spoke fora couple of days before I decided because I wanted to go to a Credit Union. I explained, because of the Pandemic I got a little behind... she said this was a Business account and none of that mattered as long as I had my EIN number. She said the only thing was I may not get as big of a credit line because of the Pandemic but it will at least be a good start and I can apply for more money later.

I have had a Bank of America Business Account for over 3 years. I don't have a line of credit for my business account. I have been denied 4 different times which pulls my score down more and more, I get emails, I get letters in the mail, I was told by XXXX XXXX and Experian I qualified for 3 or 4 different cards. I'm pre-qualified or pre approved and again, and again I'm denied. Bank of America says their customers come first, I had a third party Uhaual company charge my card 2 days AFTER I returned the XXXX. I was supposed to have only been charged for 2 days which was under {$70.00}. I returned the truck, they inspected it, I signed out on the document and two days later, my debit card was charged over {$300.00}. I faxed my paperwork to bank of America showing my contract. When I returned the truck an email where I asked the company why they stole my money. After all the proof, including the contract showing the truck was returned. They sided with the XXXX company. The same XXXX company that NEVER responded to MY BANKS inquiry. MY BANK said they never responded but, Unfortunately, they can't reverse the charges. 
MY BANK has been working against me the entire time!!! No matter what happens, IM WRONG. ITS CRAZY. I HATE THIS BANK!! THEY ARE CROOKS!

They lied to me so I would open a business account, lied and said with a Business account, I would get Business credit, ran my credit score down and continued to Rob 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 2025-06-09 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: IN

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by XXXX  Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and XXXX. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$5900.00} XXXX  XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: IN

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by XXXX  Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and XXXX. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$5900.00} XXXX  XXXX XX/XX/year>

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 2025-06-09 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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