vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Subject : ATM XXXX XXXX Bank of America ( Claim XXXX XXXXXXXX ) My name is XXXX XXXX, and I am filing this report to formally escalate a serious issue involving a failed cash deposit at a Bank of America ATM, and to express concern over the lack of resolution or transparency provided to date. 

The incident occurred at the Bank of America XXXX located at XXXX XXXX XXXX, XXXX XXXX, MI XXXX, using ATM ID : XXXX. I deposited a total of {$5200.00} in cash, consisting of : XXXX {$100.00} bills XXXX {$20.00} bills XXXX {$50.00} bill The ATM prompted me to insert bills, and after I inserted the cash, the Insert Bills screen remained visible for a moment before the screen went XXXX. The machine then began restarting and displayed what appeared to be a XXXX computer loading screen with a visible mouse cursora clear sign that the system had crashed or rebooted mid-transaction. The ATM did not return the money, nor was the deposit credited to my account ( Account XXXX : XXXX ). 

I promptly contacted Bank of America to report the issue and was issued Claim Number : XXXX. I followed all instructions, submitting photographic evidence of the ATM screen and the scene. I also informed the representative that I possess video footage of the entire incident, clearly showing the moment I inserted the cash and the machine malfunctioned. 

Since your back office was reportedly unable to receive video directly, I am now providing public access to the footage here : https : XXXX? XXXX This video removes all ambiguity from the situation and shows the exact malfunction that occurred on your equipment. 

To date, I have not received reimbursement or a meaningful update despite having complied with every step of the process. Given that this took place on Bank of America XXXX XXXX Bank of America XXXX, I trust this report will reach someone in a position to resolve the matter fairly and quickly. 

Should this matter continue unresolved, I am prepared to explore public and media avenues to ensure the situation is properly acknowledged and addressed. 

Sincerely, XXXX XXXX XXXX : XXXX Email : XXXX Account Number : XXXX Claim Number : 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 2025-06-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This concerns the XXXX account of XXXX XXXX. 

Summary : This account was originally opened with XXXX XXXXXXXX XXXX The transferred balance between XXXX and Chase Bank do not match. 

Final Statement from XXXX : Last Balance {$42000.00} XX/XX/XXXX ( transition from XXXX to XXXX XXXX  months later ) First Statement from Chase at maturity : Beginning Balance {$40000.00} XX/XX/XXXX That is XXXX + interest ... short of what the account balance should be. 

I've attached a letter describing the runaround that went on for months in trying to get this resolved. ( see " Letter to Chase ( 1 ) '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed that several accounts on my credit report were inaccurately reporting late payments and charge-off statuses that were not mine. I initiated formal disputes through all three major credit bureausExperian, Equifax, and XXXX. The accounts I disputed include : XXXX XXXX Opened XX/XX/XXXX ; closed XX/XX/XXXX XXXX Opened XX/XX/XXXX ; closed XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX I followed the correct dispute process and referenced my rights under the Fair Credit Reporting Act ( FCRA ), Section 605, which requires the information to be accurate, verifiable, and removed if it can not be substantiated. 

All three credit bureaus responded that the information was " verified, '' yet no documentation or explanation was provided to show how the verification was made or what data was reviewed. I received no supporting evidence to confirm the accuracy of the reported charge-offs and late payments. 

Despite my formal request for verification or correction, the disputed accounts remain unchanged. I am now filing this complaint to ask for proper investigation, documentation, or removal of these unverifiable entries from my credit file, as required under federal 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 non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed that several accounts on my credit report were inaccurately reporting late payments and charge-off statuses that were not mine. I initiated formal disputes through all three major credit bureausExperian, Equifax, and XXXX. The accounts I disputed include : XXXX XXXX Opened XX/XX/XXXX ; closed XX/XX/XXXX XXXX Opened XX/XX/XXXX ; closed XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX I followed the correct dispute process and referenced my rights under the Fair Credit Reporting Act ( FCRA ), Section 605, which requires the information to be accurate, verifiable, and removed if it can not be substantiated. 

All three credit bureaus responded that the information was " verified, '' yet no documentation or explanation was provided to show how the verification was made or what data was reviewed. I received no supporting evidence to confirm the accuracy of the reported charge-offs and late payments. 

Despite my formal request for verification or correction, the disputed accounts remain unchanged. I am now filing this complaint to ask for proper investigation, documentation, or removal of these unverifiable entries from my credit file, as required under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a XXXX  determination letter according to XXXX ( b ) ( XXXX ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX, FL 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 explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


XXXX : acct. no : XXXX, XXXXXXXX XXXX XXXX acct. no : XXXX, XXXX : acct. no : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX : acct. no : XXXX, XXXX XXXX : acct. no : XXXX, XXXX XXXXXXXX : acct. no : XXXX, XXXX : acct. no : XXXX, XXXX XXXX XXXX : acct. no : XXXXXXXX XXXX XXXX XXXX : acct. no : XXXXXXXX XXXX XXXX XXXX : acct. no : XXXX, XXXX XXXX XXXX : acct. no : XXXX, XXXX XXXX : acct. no : XXXX, XXXX XXXX : acct. no : XXXX, XXXX XXXX XXXX  : acct. no : 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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


XXXX : acct. no : XXXX, XXXXXXXX XXXX XXXX acct. no : XXXX, XXXX : acct. no : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX : acct. no : XXXX, XXXX XXXX : acct. no : XXXX, XXXX XXXXXXXX : acct. no : XXXX, XXXX : acct. no : XXXX, XXXX XXXX XXXX : acct. no : XXXXXXXX XXXX XXXX XXXX : acct. no : XXXXXXXX XXXX XXXX XXXX : acct. no : XXXX, XXXX XXXX XXXX : acct. no : XXXX, XXXX XXXX : acct. no : XXXX, XXXX XXXX : acct. no : XXXX, XXXX XXXX XXXX  : acct. no : 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 2025-06-13 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: UT

Complaint narrative:
XXXX contacting you because there is an account showing up on my credit report that does not belong to me. It appears my information is being inaccurately mixed with someone elses, and this is directly affecting my credit profile. 

To be clear : This account is not mine. 

I have no association with it. 

Yet it is showing up as part of my credit history. 

And worse, it's intertwined with my personal credit 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 non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am asking for your assistance in reviewing accounts from companies that are wrongly reporting XXXX  payments. After going over my credit report, I noticed incorrect XXXX payment entries on some accounts. These remarks are inaccurate and should not be there. Kindly remove them and update the accounts to reflect a positive status XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
The XXXX XXXX card does not adjust the reported values and they sold that account to a XXXX. That XXXX XXXX has sent me XXXX letters collecting the debt, however the same account remains, so how do they have my personal information and claim that they bought the debt from the bank? And how is it that the bank that already sold the debt continues to report me as if it hadn't? I have sent a copy of this letter and they still say that in the investigation the bank continues to report me. I am sending them the letter so i I don't know what they are investigating and how they allow the company to continue reporting me? the bank don't have the rigth to report 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 non-monetary relief
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
The XXXX XXXX card does not adjust the reported values and they sold that account to a XXXX. That XXXX XXXX has sent me XXXX letters collecting the debt, however the same account remains, so how do they have my personal information and claim that they bought the debt from the bank? And how is it that the bank that already sold the debt continues to report me as if it hadn't? I have sent a copy of this letter and they still say that in the investigation the bank continues to report me. I am sending them the letter so i I don't know what they are investigating and how they allow the company to continue reporting me? the bank don't have the rigth to report 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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX To whom it may concern : I am writing this letter to demand that XXXX XXXX immediately cease and desist all communication with me whether by phone, mail, text, or any other means in relation to the above-referenced account. 
This demand is made pursuant to 15 USC 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), which expressly provides consumers with the right to prohibit a debt collector from further communicating with them upon receiving a written request to cease communication. 
Please be advised : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Md. XXXX ) underscores a consumer 's absolute right under 15 USC 1692c ( c ) to cut off all further communication from a collection agency. 


XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) confirms that the FDCPA applies broadly to attorneys and collection agencies alike in their attempts to collect a debt. 


Furthermore, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) held that ignoring a cease and desist constitutes a violation of FDCPA and may subject the collector to liability for actual and statutory damages. 


Any future communication from XXXX XXXX after this cease and desist except to advise me that you will cease collection efforts or pursue a specific legal action will be considered a violation of the FDCPA. I will not hesitate to pursue all available legal remedies if this demand is disregarded. 
Please send me written confirmation within 15 days that you have received this notice and will be honoring my request.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX To whom it may concern : I am writing this letter to demand that XXXX XXXX immediately cease and desist all communication with me whether by phone, mail, text, or any other means in relation to the above-referenced account. 
This demand is made pursuant to 15 USC 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), which expressly provides consumers with the right to prohibit a debt collector from further communicating with them upon receiving a written request to cease communication. 
Please be advised : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Md. XXXX ) underscores a consumer 's absolute right under 15 USC 1692c ( c ) to cut off all further communication from a collection agency. 


XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) confirms that the FDCPA applies broadly to attorneys and collection agencies alike in their attempts to collect a debt. 


Furthermore, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) held that ignoring a cease and desist constitutes a violation of FDCPA and may subject the collector to liability for actual and statutory damages. 


Any future communication from XXXX XXXX after this cease and desist except to advise me that you will cease collection efforts or pursue a specific legal action will be considered a violation of the FDCPA. I will not hesitate to pursue all available legal remedies if this demand is disregarded. 
Please send me written confirmation within 15 days that you have received this notice and will be honoring my request.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX # XXXX, 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 2025-06-13 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: PA

Complaint narrative:
the following account has been settled and closed but has not been removed from my credit report. There is proof of the settlement in the attachment.

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