vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Date of Incident : XX/XX/2025 ( between XXXX XXXX  ) Location : Bank of America XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I

attempted to deposit {$3000.00} ( 30 {$100.00} bills ) into a Bank of America ATM at the location above. The ATM malfunctioned during the deposit. It made extended mechanical counting noises and then returned only {$800.00} ( 8 {$100.00} bills ). These bills were bent and no longer in the crisp condition they had been in when deposited. The full {$3000.00} had come directly from ATMs and consisted of clean, untorn bills. There were no damaged or questionable bills before inserting them into the machine. 

At XXXXXXXX XXXX, immediately after the malfunction, I called the number on the ATM. The call lasted 11 minutes. During the call, Bank of America applied a temporary credit for the missing amount and stated an investigation would begin. 

On XX/XX/XXXX, I received a letter stating that the bank found only {$200.00} in the ATM and would be debiting {$2000.00} from my account. This is not possible given the ATM retained {$2200.00} during the malfunction.

I called Bank of America again on XX/XX/2025. The representative refused to provide any details about the investigationonly reading vague internal notes. They did not confirm whether camera footage was reviewed or whether ATM logs and reconciliation reports were examined. I was told there was no supervisor or escalation path available for further review.

Although they stated they would investigate again, the first investigation was neither accurate nor transparent. I have no confidence Bank of America will properly review the ATM malfunction or return my missing funds without regulatory intervention.

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 2025-11-24 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Branch Messenger, Inc.
State: MI

Complaint narrative:
Subject : Unauthorized Electronic Funds Transfer Fraud, Misrepresentation, and Identity Misuse ( Regulation E Violation ) I am filing a complaint regarding an unauthorized electronic funds transfer from my Uber Pro Card account ( issued by XXXX XXXX XXXX and managed by Branch ). 

On XXXX/2025, I was contacted by a scammer impersonating XXXX XXXX. They told me that my XXXX earnings were on hold due to a customer complaint and that I needed to complete a verification transfer to restore access to my funds. They provided a debit card ending in XXXX and claimed it was an XXXX verification card. 

Shortly afterward, a debit card ending in XXXX appeared in my Instant Transfer list inside the XXXX app, even though I did not add this card, do not own it, and did not authorize it to be linked to my account. The scammer clearly used my personal information or impersonated me to add this card to my wallet, making it appear legitimate. 

Under this deception, I initiated the transfer believing it was an official XXXX verification request. Once I realized this was fraud, I removed the card and immediately reported the incident to Uber Pro Card/Branch and requested a Regulation E unauthorized transfer dispute. 

However, I have not received proper handling or confirmation that my dispute is being processed under Regulation E, despite the fact that transfers induced by fraud or misrepresentation are legally defined as unauthorized electronic funds transfers under 12 CFR 1005.2 ( m ) of Regulation E. 

This incident involves : Fraud Misrepresentation Impersonation of XXXX Support Unauthorized linking of a debit card to my account Identity misuse An unauthorized EFT Financial loss of my XXXX earnings I am requesting that the bank : 1. Open a formal Regulation E dispute 2. Investigate the unauthorized transfer 3. Provide a written response 4. Apply provisional credit if the investigation exceeds 10 business days 5. Remove any unauthorized payment methods 6. Bring the account into compliance with the Electronic Fund Transfer Act ( EFTA ) I am providing a full timeline of events and screenshots as documentation. 

Thank you for your assistance in ensuring this matter is handled according to federal law. 

Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MO

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-24 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 filing a complaint because the credit bureau is reporting inaccurate and unverified information, and has failed to meet the legal standards required under the Fair Credit Reporting Act ( FCRA ).

I submitted disputes regarding : inaccurate tradelines an incorrect late payment incorrect address/personal information information belonging to someone else data impacted by potential internal errors or mishandling information the furnisher can not validate The bureau verified the information without providing evidence, violating : 15 U.S.C. 1681e ( b ) failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 2 ) failure to forward dispute evidence to the furnisher 15 U.S.C. 1681i ( a ) ( 5 ) failure to delete unverifiable information 15 U.S.C. 1681g refusal to provide method of verification The information in question is harming my creditworthiness and is not being properly validated. If the furnisher or bureau can not provide complete documentation proving accuracy, the FCRA requires deletion.

I am requesting : 1. Removal of the incorrect late payment 2. Removal of any unverifiable or inaccurate tradelines 3. Correction of all personal information errors ( addresses, names, etc. ) 4. A full reinvestigation 5. Written documentation of the method of verification 6. Deletion of any item where verification can not be proven I want confirmation once corrections or deletions are completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: LA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-24 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: LA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-24 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: ID

Complaint narrative:
I am disputing the inquiries and late payment information below because they may be reported inaccurately, may not meet permissible purpose, or may not be fully verifiable.

INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries. Please confirm permissible purpose and proper verification. 

LATE PAYMENT XXXX XXXX XXXX This late payment does not match my records and may be inaccurately reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am requesting a full investigation into the items below. I am a consumer working to fix my credit, and I believe these accounts and inquiries contain inaccurate or incomplete information that needs correction under the FCRA.

Charged Off Accounts in Dispute XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$680.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00} Late Payments in Dispute XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: GA

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I noticed on a credit report this debt- this is not mine and never was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 2025-11-24 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
I had an account with XXXX XXXX and Credit Report companies. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: SC

Complaint narrative:
I am submitting this complaint because there are several inaccurate and unverified items reporting on my credit reports. These errors are affecting my credit and violating my rights under the Fair Credit Reporting Act ( FCRA ).

Incorrect Address The following address currently appears on my credit report, but I have never lived at this location : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This information needs to be removed.

Accounts Reporting Incorrectly The following accounts are showing late payments, collections, or charge-offs. These accounts are either not mine, reported incorrectly, or not properly verified : XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( history is incorrect ) XXXX XXXX XXXX XXXX  Charge Off ( no knowledge of this account ) XXXX XXXX XXXX Charge Off ( account not recognized ) XXXX XXXX XXXX Charge Off ( no knowledge of this account ) XXXX  XXXX Late Payment ( payment history is wrong ) XXXX XXXX XXXX XXXX Collection ( not validated ) XXXX  XXXX Collection ( not validated ) Under the FCRA, if an account can not be verified or is inaccurate, it must be corrected or removed.

Unauthorized Hard Inquiries These companies ran credit inquiries without my permission or authorization : XXXX 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 Since I did not authorize these inquiries, they must be removed.

Requested Action I am requesting the following : Remove the incorrect address Correct or delete inaccurate late payment reporting Remove charge-offs and collection accounts that can not be verified Delete all unauthorized hard inquiries Thank you for reviewing my complaint. I ask that this matter be investigated, and I receive a written response confirming the actions taken.

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 2025-11-24 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
Dear Sir/Madam, I am submitting this statement because I am a consumer attempting to fix my credit and ensure all information being reported about me is accurate, complete, and verifiable as required under the FCRA. The following accounts and inquiries are being disputed due to inaccuracies, incomplete reporting, and concerns regarding proper verification.

Charged Off Accounts in Dispute XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$720.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$680.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$720.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$0.00} Inquiries in Dispute 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 XXXXXX/XX/XXXX Late Payments in Dispute XXXX XXXX XXXX XXXXXXXX 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 2025-11-24 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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