vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
b"Subject: Complaint Regarding Mishandled Balance Transfer Charges  Bank of America Credit Card Services\n\nDear Sir or Madam,\n\nMy name is XXXX XXXX XXXX and I am writing to file a formal complaint regarding the mishandling of balance transfer charges on my Bank of America credit card.\n\nCredit Card Number (last 4 digits): XXXXContact Information: XXXX XXXX XXXXBetween XXXX XXXX XXXX XXXX XXXX XXXX I contacted Bank of America's Credit Card Services multiple times to resolve an issue related to two balance transfers I completed via their mobile app. Despite repeated follow-ups, including speaking with representatives named XXXX XXXX XXXX, and one other female agent, the matter remains unresolved. Additionally, the bank failed to return my calls as promised, which has caused me significant stress and inconvenience.\n\nDetails of the Balance TransfersXXXX XXXX XXXX XXXX  (including 4% fee)XXXX XXXX XXXX XXXX (including 4% fee)\n\nThese transfers were advertised as eligible for a 0% interest promotion for XXXX months with a 4% service fee, which I accepted. However, I was later informed that interest charges totaling $XXXX  had been added to my account. To prevent further financial impact, I was forced to borrow funds and pay off the balance of XXXX  on XXXX XXXX XXXX\n\nMy Requests:\n\n1.\tI request a full refund of the interest charges that were applied in error under the promotional agreement.\n\n2.\tI urge the CFPB to investigate Bank of America's practices regarding balance transfer and direct deposit promotions, as I believe this could represent a pattern of misleading or deceptive behavior affecting other customers as well.\n\nI appreciate your assistance in resolving this matter and ensuring fair treatment for consumers.\n\nSincerelyXXXX XXXX XXXXCell phone: XXXX XXXX XXXXEmail: 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Earnest Inc.
State: TN

Complaint narrative:
I purchased a car from this company in XXXX. So I don't know why they have any type of inquires on my credit report now, I'm not trying to purchase a car from them at the moment, I'm ill and can't afford to buy a car. They made inquires on the following dates XXXX and XX/XX/XXXX on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Regarding Duplicate and Inaccurate Reporting on My Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax for allowing multiple inaccurate and duplicative entries to appear on my credit report related to a debt originally associated with XXXX XXXX XXXX XXXX. 

My credit report currently shows XXXX separate collection accounts for the same original creditor ( XXXX XXXX XXXX XXXX ), which are reported under different debt collection agencies : XXXX. XXXX {$940.00}, opened XX/XX/XXXX, reported by Equifax XXXX. XXXX XXXX {$1200.00}, opened XX/XX/XXXX, with XXXX XXXX listed as the original creditor XXXX. XXXX {$1200.00}, opened XX/XX/XXXX, also identifying XXXX XXXX as the original creditor These appear to be duplicate entries for the same debt, inflating my total outstanding balances and unfairly damaging my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( b ), credit reporting agencies are required to maintain accurate and non-duplicative records. This kind of triple reporting is misleading and unjustly penalizes me as a consumer. 

I have disputed these items with Equifax directly. However, I am requesting CFPB 's involvement because these duplicates have not been properly resolved. 

Please investigate XXXX handling of these entries and ensure that only XXXX accurate and verified version of the debt remains on file, if any is still valid. I am also requesting that CFPB take necessary actions to prevent further XXXX to consumers in similar situations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: GA

Complaint narrative:
Contacted momeylion on XX/XX/XXXX about unauthorized charges on .y account to file a dispute for the amount of {$12000.00} that was taken from my account. I never got any updates until they XXXX  my account and said my account was taken over on XX/XX/XXXX. I asked for details of the investigation for which I was told they couldn't give me any information. On XX/XX/XXXX was told that they denied the claims. I don't even think they did the investigation especially since they can't give a reason for which it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 * * Balance : {$230.00} XXXX XXXX XXXX * * * * Balance : {$230.00} XXXX XXXX * * * * Balance : {$98.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX * * * * Balance : {$2800.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX * * Balance : {$1400.00} XXXX XXXX XXXX XXXXXXXX * * * * XXXX : {$650.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA XX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 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 2025-05-28 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: SC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: FL

Complaint narrative:
I sent verified mail asking for proof of ownership of debt and proof original contracts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable XXXX that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a XXXX XXXX score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing this complaint to report what I believe to be retaliatory behavior and obstructive banking practices by XXXX Chase Bank ( XXXX ), which have significantly impacted my ability to operate my business and access my funds. 
On or about XX/XX/year> XXXX closed my XXXX and XXXX  accounts without prior notice or explanation. I was subsequently told off the record by a XXXX representative that this action was taken due to my repeated complaints about errors and mismanagement of my XXXX  account. These complaints were legitimate and documented in numerous emails to banking representatives. These errors and mistakes included delays with failed ACH transfers and mistakenly XXXX  accounts all of which impacted my operations. My XXXX  missed payroll XXXX week despite having over {$600000.00} in available funds. The bank later verbally apologized for any inconveniences for their mistakes. 

This action appears to be retaliation for exercising my right to escalate unresolved service issues through written complaints to XXXX corporate. The XXXX  of my accounts without formal warning or cause, combined with their handling of my remaining funds, raises serious concerns about unfair or deceptive banking practices. 

Specifically : XXXX is currently still holding remaining funds and will not allow me to retrieve them via cashiers check or local branch withdrawal. 
The bank has refused to expedite these payments despite requests, further exacerbating the impact. 
XXXX is refusing to provide records historic records. All of this was maintained as electronic banking so the physical records do not exist. 
XXXX has refused to escalate this to senior management with call center teams repeating that there is no escalation. 

This obstructive behavior appears to be a deliberate attempt to inconvenience or punish a former client for vocal criticism. I would trust that it may constitute a violation of regulatory standards related to timely and reasonable access to funds. 

I am requesting that your office : Investigate the circumstances of the account closure ; XXXX Chases policies and handling of fund access post-closure ; Determine whether XXXX engaged in retaliatory or unfair practices under applicable consumer protection and banking laws. 

I do not have much in the way of physical documentation as most of this was on the phone. When I asked for reference numbers and or transcripts of the calls I was told I would have to sue XXXX to get access to records. In the attached XXXX PDF files of emails last year you can see that XXXX XXXX of XXXX confirms they will only conduct things verbally. I presume is it to better obfuscate the actual events that took place. 

I appreciate your urgent attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report that are having a significant negative impact on my financial well-being and my ability to provide for my family. As a XXXX father, every financial decision I make directly affects my XXXX XXXX XXXX ) XXXX security and future. The information below on my report I have identified as identity theft, and this item is not related to any transactions by me at all. I was not able to move because of my credit profile being inaccurate due to these unknown accounts being opened in my name. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : This unauthorized item has had a profound XXXX  effect on my credit profile, and I am reaching out to you to request your assistance in rectifying this situation. The unauthorized item ( XXXX ) on my credit reports are : 1. 
XXXX Account XXXX : XXXX * * * * * * * * * Please correct/update this inaccurate information on my credit report. 
XXXX. 
XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. 
XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please correct/update this inaccurate information on my credit report. 
XXXX. 
XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please correct/update this inaccurate information on my credit report. 
XXXX. 
XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
This incident dates back XXXX  years and involves ongoing issues with PNC Bank regarding a XXXX  deposit made to my account in XXXX, South Carolina. I sold a car that I had purchased in XXXX, North Carolina, using my XXXX tax refund. After my girlfriend and I XXXX cash into my account, PNC placed a hold on it, and despite numerous attempts to resolve the matter, I received nothing but vague responses and promises of callbacks that never materialized. It wasn't until I contacted the Consumer Financial Protection Bureau ( CFPB ) that I finally received an email from PNC requesting documentation that I can no longer provide, as it pertains to a XXXX  deposit, which I am not legally obligated to document. Since this issue arose in XX/XX/XXXX, my account balance has dwindled to {$2000.00} due to fees imposed by the bank. I have expressed my desire to XXXX  my account and retrieve my funds in person, yet PNC has denied me access to my account, leading me to believe they are unlawfully withholding my money. The remaining balance is now subject to XXXX XXXX XXXX, and in this challenging economic climate, it is unacceptable for my funds to be disappearing without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
XXXX reporting XXXX different things to XXXX different bureaus which is affecting my credit in Experian it shows XXXX XXXX XXXX XXXX  on equifax its showing a XXXX payment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Regarding Inaccurate and Contradictory Reporting by Equifax XXXX Account Dear CFPB, I am filing a formal complaint against Equifax for failing to maintain accurate and consistent reporting related to a XXXX account on my credit file. 

Upon reviewing my credit report, I discovered that Equifax is reporting XXXX contradictory statuses for the same XXXX account : XXXX entry shows the XXXX account as XXXX XXXX  with a balance of {$12.00} and XXXX XXXX late payments. 
Another entry reports the account as XXXX and paid, indicating the account was resolved. 

These discrepancies are not only misleading but also a clear violation of Section XXXX ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies follow reasonable procedures to assure maximum possible accuracy. Reporting the same debt as both paid and XXXX XXXX creates confusion and unjustly damages my creditworthiness. 

I have already disputed this issue with Equifax and provided clear evidence of the conflicting information. Despite this, Equifax has failed to correct or remove the inaccurate information, and both contradictory entries remain on my credit report. 

This inaction is not only negligentit is harmful. I am requesting the CFPB investigate this matter and require Equifax to : XXXX. Immediately delete all duplicate or inaccurate entries related to this XXXX account. 
XXXX. Ensure only accurate, non-contradictory information is retained in my credit file. 

Please treat this complaint with urgency as it continues to negatively impact my credit standing and financial XXXX 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-05-28 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of XXXX authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: WA

Complaint narrative:
I am filling a complaint because my creditor is reporting XXXX  payments on my account XXXX XXXX XXXX  XXXX payment date as reported XX/XX/year> That are inaccurate and not properly verified. I have disputed with the credit bureaus and the furniture but the XXXX payment remain without proper validation or documentation under XXXX XXXX XXXX XXXX a furniture must report accurate information under XXXX XXXX XXXX XXXX credit bureaus must perform a reasonable investigation with in XXXX  days neither of them provided sufficient evidence to support the negative reporting. 
I request its immediate removal from all relevant credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of XXXX  authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation