vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: MD

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am filing this complaint regarding Bank of Americas mishandling of multiple prepaid debit card disputes tied to my account ( s ) ending in [ XXXX ]. The bank has repeatedly denied my disputes in a generic manner, without conducting a proper investigation as required under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f and Regulation E ( 12 CFR 1005.11 ). 

Background : I filed multiple disputes concerning unauthorized or fraudulent transactions totaling approximately $ [ XXXX ]. 
Bank of America issued form-denial letters dated XX/XX/year>, XX/XX/year>, and XX/XX/year>, claiming that the card was successfully activated with my credentials and therefore the transactions were authorized. 
The decision letters are nearly identical and fail to provide transaction-specific evidence or explanation, instead using boilerplate language. 
The bank has not provided copies of the actual evidence relied upon ( e.g., signed receipts, IP logs, ATM camera footage, merchant verification ), despite my requests. 

Violations & Concerns : 1.Failure to Conduct a Reasonable Investigation Under Regulation E, banks are required to investigate error claims fairly and reasonably. Simply asserting that the card was activated with credentials does not satisfy this requirement. 
The bank appears to have pre-determined the outcome without meaningfully investigating the disputed transactions. 
2.Failure to Provide Documentation Relied Upon Regulation E requires the bank to provide copies of the documentation relied upon when denying a claim. Bank of Americas letters reference documentation but do not actually provide the evidence to me.

3.Pattern of Generic Denials I received multiple denial letters with nearly identical wording, which suggests the bank is using a template denial response instead of conducting individualized investigations

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 2025-09-15 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-15 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: IL

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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-09-15 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:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored ; these inquiries remain. This inaction is unacceptable. The continued presence of these potentially fraudulent entries is deeply concerning and strongly suggests possible identity theft.

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 2025-09-15 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: NM

Complaint narrative:
I am submitting this follow-up complaint regarding fraudulent information on my credit report that remains unresolved, despite my previous complaint filed 30 days ago. I am disputing this information pursuant to 15 U.S.C. 1681c-2 and again request that the fraudulent/unauthorized accounts listed below be blocked or removed immediately.

I have attached a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days of receiving an identity theft report. However, despite my prior complaint and multiple attempts to resolve this issue directly with EQUIFAX, the following fraudulent accounts remain on my credit report : XXXX XXXX XXXX - XXXX These accounts are fraudulent and must be blocked immediately. The continued presence of these accounts is severely damaging my creditworthiness and is preventing me from purchasing a home and accessing essential financial services to support my family and economic stability.

I have requested verification and copies of contracts related to these accounts from the reporting company, but after more than 60 days, I have received no response. Additionally, these accounts have been removed by other credit reporting agencies due to lack of verification, yet EQUIFAX continues to report them as mine without proper validation.

I respectfully urge the CFPB to intervene and ensure that EQUIFAX complies with federal law by blocking these fraudulent accounts immediately and providing me with confirmationofsuchaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
This account was included in my bankruptcy before the account was sold to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX Bankruptcy case number : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not give consent for its creation or use. The necessary supporting documents are enclosed with this 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 non-monetary relief
Consumer complaint received 2025-09-15 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: NC

Complaint narrative:
I am submitting this complaint intentionally and with urgency. My credit report contains multiple inaccuracies that can not be verified as accurate and are causing ongoing harm to my financial standing and personal well-being. These errors have lowered my credit score and impeded my ability to achieve financial stability. I will not accept misinformation on my record.

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 2025-09-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
I was given a XXXX XXXX American Express Gift card on XX/XX/year>.. I tried to use the card on XX/XX/year> to make a purchase at a store in person. I activated the card before I tried to make the purchase. They would not accept the card as a form of payment. I also asked the store if i could exchange the gift card for XXXX dollars and they refused. The store suggested I add it to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but later did some research and found out that XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX do not accept American Express gift cards to their wallets. I also tried adding the gift card to my XXXX account, but XXXX declined the gift card. I tried seeing if I could exchange the card for money in an app called XXXX, but the app only accepts XXXX digit card numbers, not AMEX XXXX digit numbers I wanted to and tried to contact American Express by chat, but i could not contact them by chat because you have to have an AMEX account in order to reach customer service by chat. So, I tried creating an account. As I tried to create an account, AMEX required me to enter in my card details. I entered in my card details but AMEX rejected and declined my gift card information. Therefore, AMEX would not let me have an account. After I've exhausted myself with every possible way I could to use the card to buy something, I decided to Call AMEX customer service. I called XXXX, but I could not get ahold of a live person at that number and all it was able to do was tell me my balance. I then tried calling a different number which was XXXX and I was able to get ahold of a live person. However, she was not able to successfully help me and never resolved my issue. She told me that I called the wrong department and transferred me to XXXX. That number did could not connect me to a real person and was another automated number. I called customer service on XX/XX/year>. The customer service is nonexistent. I also did some research about my issue and read about a lot of people on XXXX talking about the same issue I had and XXXX is how I found about the Consumer Financial Protection Bureau. AMEX are crooks and they should not be allowed to do stuff like this, to sell cards and then not be allowed to use them at all, that's like scamming people. This is a legit card and not a scam. You are literally paying for nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMO BANK NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Monday XX/XX/year>, I submitted a XXXX XXXX ( check ) payment from BMO to XXXX XXXX. I chose this payment method to avoid a 3 % fee that I would have otherwise been charged by the XXXX XXXX ( since that is what they would have to pay in bank fees ). Today, XX/XX/year>, XXXX XXXX informed me that the payment method used for the {$2200.00} was in fact a credit card and therefore, I owed 3 % in fees. XXXX XXXX sent me the transaction receipt from XXXX XXXX XXXX showing a bogus address associated with my name. I discovered the address is their own address ( XXXX XXXX XXXX, XXXX, XXXX ) and not mine ( as it appeared ). I believe this constitutes a fraudulent misrepresentation of the transaction I authorized. I never authorized a credit card transaction of any kind. The XXXXXXXX XXXX for this transaction is a card number I do not possess, nor have ever seen before.

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 2025-09-15 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: IL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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
Consumer complaint received 2025-09-15 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: IL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally submitting this dispute regarding fraudulent accounts currently listed on my credit report. These accounts are not mine, were never authorized by me, and are completely inaccurate. Their presence on my credit file is harmful, misleading, and unjustly damages my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: FL

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 explanation
Consumer complaint received 2025-09-15 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: LA

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 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 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the fraudulent accounts that have been wrongfully reported under my credit profile. These accounts were not authorized by me, I never applied for or consented to them, and they bear no connection to my legitimate financial activity. Their appearance on my report is both inaccurate and misleading, creating a false impression of my creditworthiness. The presence of these fraudulent accounts has already caused substantial harm to my personal and financial stability. Such inaccuracies not only undermine my reputation but also interfere with my ability to pursue necessary financial opportunities. These accounts are wholly invalid and must be removed in order to restore accuracy and fairness to my credit file.

Company response to consumer: Closed with explanation