vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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: TX

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Issue : Mishandled fraud case / negligence in bank response On XX/XX/year> I was the victim of a sophisticated scam where criminals impersonated Bank of Americas fraud department and instructed me to withdraw cash under false pretenses. They had detailed information about the banks procedures and protocols, and were also aware I had just had a fraud attempt on my account. Believing I was protecting my account, I complied. 

Bank of America denied my claim on the basis that the withdrawal was authorized. I have contacted Bank of America multiple times, including twice on the day of the incident, the following day, and the one after. I then reached out to the Executive Management team to escalate the issue, and have since sent 3 emails, left multiple messages and received two phone calls, the latter on XX/XX/year> promising follow-up within a week. I have since discovered : No formal investigation was ever opened until I escalated multiple times. 

Bank of America failed to file a non-customer fraud claim with XXXX XXXX, where the stolen funds were deposited a step their own XXXX care representative confirmed should have been taken. 

Bank of America ignored its own branch protocol requiring customers to sign a non-fraud disclosure form when making large, unusual cash withdrawals. I was never presented with or asked to sign such a form. 

Despite promises of follow-up, I have received no further contact after an initial call on XXXX. 

Bank of Americas handling of this case has been negligent, dismissive, and inconsistent with its duty of care to protect customers. Critical protections and recovery actions were ignored, worsening the financial loss and trauma I experienced. 

I also filed a complaint with the XXXX of XXXXXXXX XXXX XXXX ( case # XXXX ) and attempted to work with XXXX XXXX  to investigate the fraudulent deposits on my own. 

Requested Resolution : I am asking the CFPB to : Require Bank of America to reopen and properly investigate my case.

Address why required safeguards and recovery protocols were not followed.

Direct Bank of America to provide reimbursement or restitution given the banks documented failures.

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 2025-10-03 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: IL

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 2025-10-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
In late XXXX, a debt collection agency known as CONTRACT CALLERS INC. called my phone. I missed the call but they left a message stating I owed a debt in the amount of {$11000.00}. This debt was already removed from my account on XXXX XX/XX/year> because it was proved to be inaccurate by the last agency. I contacted CONTRACT CALLERS INC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> and on XXXX XX/XX/year> to try to work with them on verifying the debt. No one ever contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc.
State: IN

Complaint narrative:
I submitted a request on XX/XX/year> to revoke my ACH AUTHORIZATION in the Money LionXXXX customer service chat and never received a response. I then emailed them and never got a response. I submitted a claim with my bank, XXXX, would refunded the money during the investigation. I noticed they had debited my account for {$490.00} on XX/XX/year>. I reached out to my bank and they stated that MoneyLion had submitted documentation that they had every right to debit my account despite my written request. I can not reach a real person in customer service by chat or phone.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not authorize or provide any consent for these companies to access my credit report, and I believe that this negative account XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, these inquiries XXXX XXXX XXXXXXXX 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 XXXXXXXX are the result of identity theft or fraudulent activity and are incorrect.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-03 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: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved. 
These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

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 2025-10-03 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Contacted citi to add credit card to apply pay. Was told after XXXX minutes that a letter had been sent to verify account to add to XXXX XXXX. Received alert through citi app of suspected fraud and called fraud department. Was told that account was locked until the letter for verification was received and to call when the letter came in XXXX business days. I was not told that the account would be locked until the verification letter was received and was told there was absolutely no way to reverse this after speaking to XXXX separate representatives.

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 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> I logged into my Bank Of America account online and made a payment from my checking account to my credit card account. {$4800.00} was taken from my checking account but was not applied to my XXXX bill. I received notification that i was late on payment and i sent my banker XXXX XXXX XXXX an email explaining what had happened. She was going to look into it.... 
Bank of America Credit Card collections contacted me on XX/XX/year> informing me that i was in default. We researched and they were able to see the {$4800.00} leaving my bank account but not being applied to my XXXX bill. The assured me that they would track down the funds and return to my account. They also suggested that i make payments for the past due amount {$4800.00} and the current months bill {$8200.00} which would coming due, along with a late fee {$49.00} less a credit of {$.00}. I paid {$13000.00}. I continue to pay my monthly BOA CC bills but, BOA after many phone calls and emails is refusing to return my money. BOA did reimburse me the {$49.00} late fee but, the {$4800.00} has not been returned. I have tried for months to get my money back, but the bank just keeps telling me that they are working on it. I look forward to resolving my issue with Bank of America and never ever banking with them again.

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 2025-10-03 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: VA

Complaint narrative:
I am not responsible for the student loans on my credit reports. They were dismissed by my borrower 's defense Application that was approved. I was frauded by the school and they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
I understand that there's security required on specific transactions however on XX/XX/XXXX, I physically presented myself to a TD bank in order to verify myself with my passport ( which I had to drive 3.5 hours to do ) so I would be able to access my online banking profile and send the transfer I needed to. I had to place 11 calls to TD on XX/XX/XXXX with no resolution. They told me my phone number was not valid so I created a new account and purchased a new telephone line to be able to get the text verification to no avail. After speaking with supervisors until I fell asleep last night ( around XXXX XXXX  ) my account was somehow completely suspended at XXXX XXXX. I woke up to this email at XXXX XXXX  and called immediately. Their fraud dept was not open until XXXX XXXX. I called back at XXXX XXXX. They had to submit an additional form for verification. After they approved this unnecessary suspension since I had already presented in person with my passport to prove I'm me and trying to send money to the email, so then I had to wait again until XXXX XXXX  when the hold was lifted since everything checked out. Once that was done, I tried to resend the same amount to the same person and low and behold, another hold on the account. An additional 14 calls today, XX/XX/XXXX!!! Consistent misinformation or lying, poor service and honestly, what seems like discrimination. Oddly a few weeks ago when I was sending money to a very American name, there was absolutely no problem. 

Honestly, there were 2 people out of all 25 calls where the people were helpful, both of those were supervisors. 

Luckily the last person now was able to help push the transaction through after I was very adamant that I was not accepting them brushing me off yet again though she tried. 

I shouldn't have to fight so hard to use my own money how I wish. They cost me hundreds of dollars in my time ( I could not work my job while I was spending hours on the phone with TD ) gas, activating a phone line etc.

I've still escalated to have a manager review the 25 calls and call back which I'm waiting for but I am going to speak to a friend in the legal field to see my recourse options. 

There should be fines for discrimination and there should be regulations around financial institutions and the people that can work there. I keep thinking of what a nightmare this would be for my parent or anyone else who wasn't as forceful as I was. 

Terrible service. Terrible experience. Putting this public so it can warn everyone to stay away from TD. They are far from being convenient as they claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX XXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00}

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 2025-10-03 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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