vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I am writing to file a complaint against Bank of America ( BOA ) regarding a credit card dispute that has remained unresolved for nearly one year. 

I filed a dispute with Bank of America on XX/XX/year> concerning a transaction of {$52.00} posted to my credit card account ending in XXXX. BOA initially acknowledged receipt of my dispute and stated that an investigation would be conducted. However, it has now been approximately 1 year, and the bank continues to claim that the investigation is ongoing, without providing any resolution, written explanation, or refund. 

According to Regulation Z of the Truth in Lending Act ( 12 CFR 1026.13 ), a card issuer must resolve a billing dispute within two billing cycles ( but not later than 90 days ) after receiving notice from the consumer. BOAs failure to provide a timely written response or resolution clearly violates these consumer protection requirements. 

I have contacted BOA customer service multiple times, but each time I was told to wait longer for the investigation. No case number or written determination has been provided. 

I respectfully request that the CFPB investigate this matter and require Bank of America to : Provide the official dispute case number and investigation records. 

Issue a timely resolution and refund if the transaction is found to be unauthorized or invalid. 

Ensure compliance with Regulation Z time limits for all future investigations. 

Thank you for your attention to this matter.

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 2025-10-22 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 am submitting this second-round dispute because my credit report with TRANSUNION contains unauthorized hard inquiries that I did not approve or initiate, as well as a fraudulent charge-off account that I did not open or authorize. Despite my previous requests to correct this information, these inaccurate records remain on my credit report. I have resubmitted my identification, Social Security number, and proof of current address to support my claim. 

Unauthorized Hard Inquiries According to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a credit report when there is a legitimate business need initiated by the consumer. 

The creditors responsible for the inquiries listed below have confirmed that they have no record of my consent, no signed applications, and no permissible purpose to access my credit information. Therefore, these inquiries were unauthorized and must be immediately removed from my credit report. 

Unauthorized inquiries : XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent Charge-Off Account I have also identified a fraudulent charge-off account reported by XXXX  XXXX, account number XXXX XXXXXXXX XXXX with a credit limit of {$350.00}, current balance of {$600.00}, and opened on XX/XX/XXXX. I did not authorize or open this account, and I have no knowledge of it. 

This account is negatively affecting my credit and was placed without my consent, in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681i Right to dispute and have inaccurate or unverifiable information removed.

15 U.S.C. 1681s-2 Furnishers must not report inaccurate or false information. 

I therefore request that this fraudulent account and all unauthorized inquiries be investigated and removed immediately 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 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Hello, I am being sued by XXXX XXXX XXXX XXXX ( Midland Credit Management ). 

Original amount : {$11000.00} Original date : XX/XX/XXXX XXXX balance : {$22000.00} or {$230000.00} XXXX XXXX are garnishing my wages. Approximately {$530.00} per paycheck. The first garnish was Wednesday, XX/XX/XXXX. 

I do not owe this debt that is XXXX XXXX XXXX. I have never seen it on my credit report. 

I would like to stop the garnishment, cancel the debt ( the amount owed ), and refunded the first garnish. 

I have all pertinent information upon request. 

Warm regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
Starting XX/XX/XXXX I started getting fraud alerts messages from chime I reply back to them when asked was it me making XXXX transactions for XXXX cent I told them no they then reply back with this transaction will be block and no funds will be taken out they was taken out any where from XXXX cent to {$3.00} a day all the way up till XX/XX/XXXX till when I got a deposit from my job and XXXX took every XXXX I got deposited I called and notified chime XX/XX/XXXX of all these unauthorized charges including the ones I thought where getting blocked and especially since I was told no money was being taken out so I went and look deeper into my account and realized over XXXX $ was also getting taken I told them multiple times my account is compromised and they arent doing anything about besides allowing more money to just walk out I provided text messages to almost every response I have to all these XXXX transactions and they are still declining not explaining why it was declined so I could rebuttal back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citis last response to this did not address the issue. They saw that the screenshots I attached for terms were for the current promotion period and not that during which I applied. They have been doing the same promotion all year, rolling it forward every 3 months. I went to internet archive and pulled terms from the XXXX period which I applied. Updated complaint record, complaint is as follows : I applied for citi priority checking account XX/XX/XXXX. There was a promotion for XXXXXXXX XXXX XXXX XXXX XXXX deposit by day XXXX and maintain for additional 45 days. The online application would not work and I was told to call for phone application. I performed the application over the phone and was told the above bonus would be applied on my account. I performed the actions required effective XX/XX/XXXX and did not get the bonus. its been 2 months since the promotion period closed and when i called to inquire on the XXXXXXXX XXXX  bonus citi told me there was no promo listed on my account. XX/XX/XXXX I have since called the application team and complained and I was told that someone would pull the original phone call application and listen to it to determine if i was told a promotion would be on my call. I was told that would take 1-2 business days and I would be given a determination. XX/XX/XXXX I have not heard anything back and whenever i called the various phone numbers, no one has helped me. I was told when I called that there was going to be an promotion code attached, but i believe the agent failed to do so even though it was explicitly discussed. I just want the promotion that I was told would be applied on my account when i applied ( again over the phone ) I fulfilled my end of the terms but they have not done theres.

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 2025-10-22 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: SC

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 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
In recent months, Ive been repeatedly contacted by LVNV Funding LLC, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX regarding alleged debts of {$450.00}, {$760.00}, and {$300.00}. I believe their communication tactics violate the Fair Debt Collection Practices Act ( FDCPA ). Each company has made frequent and repeated phone calls, sometimes back-to-back, and used aggressive or intimidating language in their messages. 

I have already informed them that I do not wish to be contacted by phone, yet the calls have continued. These actions have caused unnecessary stress and appear to be harassment under the FDCPA.

Im requesting that all communication from these companies cease immediately, except in writing, and that they verify the validity of each alleged debt in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: PR

Complaint narrative:
To whom it may concern, On day XX/XX/XXXX, I looked at my report. I sent a letter to Transunion on XXXX XX/XX/XXXX asking them to reinvestigate these inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 
On day XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 

Transunion really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.

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 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Today ( XX/XX/year> ) I received an email showing that a purchase had been made through my Paypal account. I called the number provided in the email to get it straightened out and was told that the Paypal account had been hacked. The people I was speaking to sounded like they were XXXX or XXXX. Their numbers were XXXX, XXXX, and XXXX. I am sure now that all of these numbers were faked through rerouting with XXXX. 

When I called the number, they put me through a long process pretending they were helping me get a refund and I ended up having an " error '' where I had to go to my bank and withdraw {$3000.00} that was supposedly someone else 's refund and then buying XXXX at a XXXX  ATM which was supposed to return this refund. 

What they actually did was transfer {$3000.00} from my savings to my checking and then have me withdraw it and buy the XXXX. My bank account access online was blocked so I could not see that this had happened, but I found out by using a different laptop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute certain information in my credit file that I believe is inaccurate or can not be verified, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. The specific item ( s ) I dispute are listed below : XXXX XXXX XXXX  Account Number XXXX This account does not belong to me The account and should have been removed Requested Action : [ Delete / Correct / Update this account. Please conduct a reasonable reinvestigation of this account and remove or correct any information that can not be verified, as required by law. I request written confirmation of your findings and an updated copy of my credit report upon completion of your investigation. Thank you for your prompt attention to this matte

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 2025-10-22 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: GA

Complaint narrative:
I am disputing the late payment and delinquency entries showing on several accounts. These are incorrect based on my payment history and prior agreement, so I request that they be changed to Paid as Agreed and that all delinquency notations be removed.

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 2025-10-22 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:
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 2025-10-22 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: WA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-22 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:
Account Name XXXX, XXXX Account Number XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, consumer reporting agencies are only permitted to furnish consumer reports under certain circumstances and with proper consent. I did not provide consent to furnish or share my personal information with this entity, nor did I authorize the reporting of this collection account to your bureau. 
Because I never gave permission for my information to be shared or reported, I am requesting that you immediately investigate this matter and remove this collection account from my credit file. Please provide me with documentation showing that you had a permissible purpose and my explicit consent to report this information. If you can not provide such documentation, this entry should be deleted from my credit report as required by the FCRA. 

Account Name XXXX, XXXX Account Number XXXX Please complete your investigation within the 30-day period mandated by law and confirm in writing that this collection account has been removed. 

Account Name XXXX, XXXX Account Number XXXX Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I have recently reviewed a copy of my credit report and found a collections reporting from LVNV FUNDING INC in the amount of {$1100.00} account number # XXXX I do not recogonize or believe that this is my debt as i was not aware of this alleged debt and do not believe that you sent me proper validation in connection to this alleged debt. If you believe that you informed me of this debt pursaunt to 15 USC 1692G ( 809 ) A then please provide me with the certified mail receipt showing my signature as proof that i received notice of the debt and was given the opportunity to dispute it

Company response to consumer: Closed with explanation