vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I deposited a check in the amount of {$38000.00} issued for my motor vehicle into XXXX Bank of America account. According to Bank of Americas account information, the funds became fully available on XX/XX/year>. 

On XX/XX/year>, I entered the Bank of America XXXX located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX to withdraw funds from my account. At that time, the teller informed me that the check deposit was considered fraud and that my account was placed on hold. I was denied access to my own funds even though the deposit had already passed the banks stated availability date. 

Since then, the check issuer has confirmed the check is legitimate and not fraudulent. Despite this confirmation, Bank of America has continued to restrict my account without providing me with proper written notice or a clear explanation.

Bank of Americas actions appear to violate several consumer-protection laws and obligations : XXXX. Regulation CC XXXX C.F.R. XXXX ( Availability of Funds and XXXX of Checks ) Regulation CC requires banks to make deposited funds available within specific timeframes and mandates clear written notice when a bank places an exception hold. In this case, Bank of America : Allowed the funds to show as available on XX/XX/year> Then reversed availability without proper written notice Failed to provide an explanation that meets the XXXX. XXXX XXXX exception-hold requirements XXXX. Unfair or Deceptive Acts or Practices ( UDAAP ) 12 U.S.C. 5531 & 5536 By marking a legitimate check as fraud after releasing the funds, and by failing to provide me meaningful access to my own money, Bank of America has potentially engaged in an unfair practice. I suffered financial harm and loss of access to lawful funds with no valid justification.

3. Failure to Provide Adverse Action Notice ( Equal Credit Opportunity Act 15 U.S.C. 1691 ( d ) ) When a bank takes adverse action against a consumer based on suspected fraud or risk profile, the bank may be required to issue an adverse-action notice explaining the reasons. No such notice was provided.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XX/XX/year> taking steps to restore my credit and reputation that the XXXX the dark web has stolen from me and my family 's name and legacy. Thank you so kindly for your help and support Yours Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
I am filing a dispute to have the following items on my TransUnion credit report investigated. The details of these accounts are either incomplete or inaccurate, and I request that they be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute : CHARGED OFF ACCOUNTS XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX XXXX  - Date : XX/XX/XXXX LATE PAYMENTS XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  DEPTEDXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  DEPTEDXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  DEPTEDXXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Complaint Regarding ECMCs Attempt to Collect a Fully Paid Student Loan To Whom It May Concern : I am submitting the enclosed complaint regarding improper collection activity by Educational Credit Management Corporation ( ECMC ), which is attempting to collect a student loan that was fully paid and satisfied on XX/XX/XXXX. 

The underlying loan, originally issued through XXXX in XXXX, was paid in full via a cashiers check for {$11000.00}, which XXXX negotiated. Nevertheless, ECMC has issued a letter dated XX/XX/XXXX, claiming {$38000.00} is owed and asserting intent to collect through Treasury Offset, despite lacking any proof of an unpaid balance.

This is a classic instance of zombie debt collection and represents multiple violations of the FDCPA and Treasury Offset regulations. I request that the CFPB require ECMC to : Produce full legal validation, or Withdraw all collection and offset claims, and Correct any internal or federal reporting regarding this nonexistent debt. 

Thank you for your review of this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 non-monetary relief
Consumer complaint received 2025-11-20 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: CT

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine.

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own.

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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:
I am writing to dispute the accuracy and completeness of the information on my Experian credit report. The following items are inaccurate and should be corrected as per the guidelines of the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Positive Accounts : No accounts in dispute Late Payments XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-20 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: MA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: VT

Complaint narrative:
I have been a long-time Square user, processing payments through their platform consistently since around XXXX. My account has always had steady, legitimate business income, and I have previously used and successfully repaid Squares loan programs without any issues. 

On XX/XX/scrub>XXXX XXXX XXXX Square suddenly deactivated my account without warning or explanation. They will not provide any specific reason for the deactivation, only generic automated responses. As a result, they are now holding approximately {$1200.00} of my business funds for 90 days, which is a significant hardship since this is current income needed for ongoing business operations. 

I have had no chargebacks, no fraudulent activity, and no violations of their policies that I have been made aware of. I have repeatedly contacted Square support to request clarification, documentation, or any path to resolve the issue, but they refuse to explain the reason for the deactivation or provide a dispute process.

Squares lack of transparency, refusal to release my earned funds, and inability to provide any meaningful support has directly harmed my small business. I am requesting assistance in obtaining a clear explanation for the account deactivation and the immediate release of my held funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: GA

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 ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-11-20 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:
I am writing to dispute the following accounts reported on my credit file by Equifax. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} XXXX Debt Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} Late Payment Accounts : XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Newport Intermediate Inc.
State: OR

Complaint narrative:
I recently found my misplaced prepaid visa card that I received from company benefits. I did not purchase this card, but earned it through health incentives. The card expired over a year ago. I am attempting to recoup the amount on the card. The company stated the balance was forfeited when the card expired and the card is not regulated like a gift card because it was purchased with corporate funds. 

Card Ordered XXXX XXXXXX/XX/XXXX Card Expiration dateXXXX XXXXXX/XX/XXXX First attempt at contact ( no response ) XXXX XXXXXX/XX/XXXX Second contact ( with response ) XXXX XXXXXX/XX/XXXX The card was originally {$600.00}, I am not certain how much when expired and they were unable to tell me. 
Their email is XXXX through Prepaid Digital Solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/year>, I made a purchase from XXXX XXXX XXXX using an Affirm loan ( Loan ID XXXX ). I later returned all merchandise to the merchant. On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  sent me two official Return Authorization confirmations ( XXXX XXXX  and XXXX XXXX ) stating that they received my returned items and that the refund totaling {$1100.00} would be credited to my Affirm account. 

Affirm has repeatedly denied my refund, claiming that the merchant did not receive the items. This is incorrect and contradicted by the merchants written confirmation. I submitted both return authorization emails as evidence during Affirms dispute process, but Affirm ignored them and closed the dispute, stating I am responsible for the full payment.

Affirm is now billing me and reporting the loan as due even though the returned items are in the merchants possession and the merchant has already processed the credit.

I have repeatedly asked Affirm for : confirmation of the refund status explanation for denying my dispute acknowledgment of the merchants documentation accurate debt validation Affirm has not provided this information and continues to demand payment for merchandise that I do not have and that the merchant confirmed receipt of months ago.

I am requesting that the CFPB require Affirm to : XXXX. Accept the merchant-provided proof that the return was received and processed XXXX. Apply the refund of {$1100.00} to my loan XXXX. Remove any delinquency or negative reporting caused by this error XXXX. Correct the billing on my account to reflect the merchants processed refund I have acted in good faith and have documentation proving the merchant received the returned items. Affirms refusal to process the refund is improper and financially harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
We wrote a check to XXXX XXXX  water company for {$100.00} dated XXXXhe check that was cashed by wells fargo was altered and they cashed for {$10000.00} That was payable to a XXXX XXXX XXXX dated XXXXWe found out because we got an overdraft account letter in the mail. We went to the bank the next morning and showed them the original check made out to XXXX and filed a complaint.We had to go to the police department and file a complaint and then took the complaint the police wrote up back to the bank and they sent all the information to the fraud department.Fraud department sent us a letter dated XXXX that they received the claim and it is the responsibility of the bank of first deposit which was Wells Fargo Bank.They said we will have a response within 90 days.90 days came and went so we went back to the bank for answers. Our bank said they messaged wells fargo multiple times and have gotten no response.The bank told me to file a complaint with the CFPB. This is why we are reaching out for help to get our money bank.We have no idea how our check to XXXX for XXXX which was taken to the XXXX post office and mailed got into anyone elses hands and altered.Please help us

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 2025-11-20 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation