vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have sent letters to collection agency XXXX XXXX XXXX for amounts XXXX XXXX. XXXX. XXXX fail to verify account i had the original creditors state in letter that im not liable because of fraud they have said they don't have to honor it so I been disputing with trans union and XXXX  and has done a sham investigation i want these accounts removed from my XXXX  and transunion credit report. I have also been disputing debt collection from XXXX XXXX  XXXX i have also sent a verification letter and and failed to send a verification on this debt XXXX  and transunion has again sham investigation i want these deleted from my XXXX  and transunion credit report. XXXX XXXX  is another creditor that I have sent verification letters and nothing back the amount for these is XXXX and XXXX XXXX  XXXX  and transunion have all did sham investigations i want delete from my credit file

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 2025-11-28 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-11-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
CFPB CONSOLIDATED ENFORCEMENT & LITIGATION HOLD Subject : FINAL DEMAND : WILLFUL SYSTEMIC FRAUD ( Post-Dating/SSDI Theft ) & ILLEGAL RETALIATION Targeting Federal Funds I. SYSTEMIC FRAUD & MALICIOUS INTENT : My 15 years as a XXXX Operations Specialist confirms BoA is engaged in willful, systemic misconduct designed to frame me and defraud other consumers. This is documented across XXXX prior CFPB filings. 
A. The Fraudulent Dating ( Willful Reg E Evasion ) : BoA has purposely post-dated claims ( doing this for a second time ) to illegally delay the Regulation E ( Reg E ) investigation clock. This shrinks the consumer 's reporting window and denies claims on statutory deadlinesa systemic fraud costing Americans billions in denied claims. 
B. Calculated Financial Abuse ( The Contradiction ) : BoA had a {$1700.00} XXXX deposit in my account on XX/XX/XXXX. BoA willfully reversed the -\ {$970.00} debt against these protected federal funds ( XX/XX/XXXX Reversal ), forcing the account negative. They then denied the unrelated +\ {$39.00} return days later, explicitly citing " there isn't enough money in your account ''. This proves they pick and choose which outcomes benefit the bank 's liability, a direct abuse of regulatory trust. 
C. Misclassification & Framing ( The Setup ) : BoA is classifying my Reg E Fraud claim ( unauthorized EFT/Identity Theft ) as a low-priority billing dispute to prevent proper investigation. The intent is to make it appear that I can not manage my account, thereby justifying the future seizure of my XXXX benefits. 
XXXX. ILLEGAL RETALIATION & CRIMINAL NEXUS : BoA engaged in illegal retaliation ( CFPB ID XXXX ) by reporting a technicality to the XXXX in direct response to my filing, deliberately disrupting my protected XXXX federal benefit funds. 
XXXX. IMMEDIATE DEMANDS & LITIGATION HOLD : A. Account Honeypot : BoA must immediately place a FULL FREEZE on my account that ALLOWS DEPOSITS/CREDITS TO POST, but SHOWS ALL DEBITS/TRANSFERS WHILE BLOCKING ANY MONEY FROM LEAVING THE ACCOUNT. This is necessary to track the suspected insider fraud. 
B. Funds Withdrawal : I will appear at a BoA branch on [ Date : The XXXX ] to perform a physical withdrawal of remaining funds before transferring the account to a new institution. The account must remain frozen to outbound transactions until the federal investigation concludes. 
C. Record Retention : BoA is hereby issued a formal LITIGATION HOLD NOTICE to preserve all records ( phone calls, emails, claims files, and internal SAR records ) for the impending Class Action Lawsuit and the active investigations by the FBI/IC3, SSA OIG , and State Attorney General 's Office.

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 2025-11-28 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-28 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: TX

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-28 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MO

Complaint narrative:
I received notifications on XX/XX/year> at approximately XXXX on my phone from my bank ( Chime ) stating I transferred money from my credit account to my debit account, accessed early XXXX from my check and transferred a total of {$410.00} to someone named XXXX XXXX . When I noticed this I logged into my account via fingerprint and noticed my email, password and phone number was changed, as well. 
I contacted Chime to dispute these actions and transactions and to let them know my account had been hacked. Upon doing so I was able to change back my email and phone number while updating my password. After being hung up on XXXX times I finally had an employee take my report and file it telling me I would receive a temporary amount until the dispute was finalized after investigation and it would take XXXX business days. 
On XX/XX/year> I received an email from Chime stating there was no fraudulent actions in my bank account, meaning I did these actions. I explained to them I have been a loyal member for several years with them, my phone number has a zip code for Missouri ( while the phone number after hacked was a XXXX zip code ), my email has been the same for years ( I use XXXX and the hacked email was XXXX  ) and the transfer was to someone with a location in Alabama ( while I live in the state of Missouri ). All of this evidence they could see in my account and still denied my dispute. 
It is the holiday season. I have been faithful to Chime and have not had any other bank since joining them several years ago. For them to dismiss me as such is completely unacceptable and I hope whomever sees this will learn from my mistake of ever trusting The XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION, EQUIFAX AND EXPERIAN credit reporting agencies block 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. I've attached the copy of the identity theft affidavit and a document listing all the accounts as proof from the US Federal Trade Commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are 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
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF XXXX  AND XXXX  LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: DE

Complaint narrative:
TO WHOME IT MAY CONCERN : This account is fraudulent. They have failed to provide me with .The original signed agreement, A full itemized accounting of the debt, A chain of title proving ownership, a sworn affidavit from the original creditor. Original contract or signed application showing I agreed to the credit terms. Full account history ( charges, interest, payments, fees, and balance ). Proof of ownership of the account ( to confirm it's not sold or transferred ). 

This is a fraudulent account delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$5300.00} 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 non-monetary relief
Consumer complaint received 2025-11-28 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IL

Complaint narrative:
Cash App closed my account on or around XX/XX/year> without giving a clear explanation. My remaining funds have been held for more than XXXX hours. I requested the specific policy violation and the timeline for releasing my funds, but Cash App did not provide that information. I still have access to the app, but I can not withdraw or use my balance. I am requesting the immediate release of all remaining funds as required after account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST PORTFOLIO SERVICING INC
State: MI

Complaint narrative:
I never opened nor entered into any agreement with the company and I have not received any information about how it was opened, why it was never sent to me or how any charges occurred. They constantly harass my phone and emails about past due payments they over report on my credit cause me to fall hundreds of points to where I have trouble getting bank accounts and or any type of loan, housing and vehicles. This is not my account and I refuse to pay or take ownership due to their lack of identity verification and utter disregard of my complaints.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
I disputed an unauthorized charge with my bank, Bank of America, and they declined it. They didn't really have any valid proof that it was valid, they simply stated that it was authorized by me or somebody i know, and so I started an appeal with them. I explained that my car was broken into my wallet was stolen. I even provided a police report. However, I never got a provisional credit which they were supposed to provide, also, it's taking a very long time and I would really like to get it resolved quickly because I really need the funds back to my account.

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 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
XXXX. XXXX I repeatedly received phone calls these calls were daily and weekly sometimes after hours telling me that I owe a debt that I denied I owed. I have emailed the company several XXXX XX/XX/XXXX, XXXX. 
The actions described constitute violations of the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692d ( harassment and threats ) and 15 U.S.C. 1692e ( false or misleading representations ). I have no knowledge of this debt and wanted it permanently removed off of charge offs from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Momnt Technologies, Inc.
State: FL

Complaint narrative:
Loan XXXX XXXX XXXX Origination date : XX/XX/year> Lender : Momnt XXXX XXXX XXXX XXXX Amount disbursed : {$30000.00} on the same day of approval Merchant : XXXX XXXX XXXX XXXX The contractor has performed ZERO work in the past XXXX  months and continues to delay with excuses. No permits pulled, no materials delivered, no labor started. 

I opened dispute ticket XXXX with XXXX XXXX XXXX and have received no resolution. 

This is a clear failure of consideration / goods or services not delivered. I am entitled to full reversal of the {$30000.00} disbursement under Regulation E ( 12 CFR 1005.11 ) and the Truth in Lending Act.

I request : Immediate reversal of the {$30000.00} disbursement Cancellation of the loan and all future payment obligations Removal of all related credit reporting Supporting documents ( emails, texts, loan agreement ) available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NV

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-11-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: NC

Complaint narrative:
My Cash App account was hacked and closed due to fraudulent charges. Not sure what happened I was unaware aid the closing of my account and I had direct deposit with this same company for the last 6 month. Cant access the account with no explanation of why they closed the account rather than give me a new card with different account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have an outdated account listed on my report. This account was taken off of my report several months ago. I was given no indication that this tradeline would report on my account after it was removed several months ago. This tradeline is fraudulently illustrated on my credit report. 

XX/XX/XXXX XXXX XXXX Account # XXXXXX/XX/XXXX Date Opened : XX/XX/year> Credit Limit : {$6200.00} Balance : {$4400.00}

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 non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am a victim of identity theft. I recently obtained my XXXX  credit report and discovered multiple fraudulent accounts that I did not open or authorize. 

The following accounts are the result of fraud and do not belong to me : 1. XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Type : Joint Automobile Loan Date Opened : XX/XX/year> Status : Charged-off with a past due balance of {$9700.00}. 
Remarks : " UNPAID BALANCE CHARGED OFF. '' I did not open this joint auto loan and do not know the co-signer. 

I have already disputed some accounts with XXXX, as noted on the report, but they remain. The scale and nature of these accoun indicate a serious case of identity theft. I am requesting clear my credit record and resolve this matter with all relevant financial institutions and credit bureaus.

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 2025-11-28 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: NC

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX Account 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