vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
My wallet/information ( phone ) was stolen late XXXX  around XXXX or XXXX. Everything was accessible. No locks or XXXX XXXX, or anything. Its clear as day that Im at fault for not having a lock on my information, but it still doesnt mean that I have to deal with all of this, such as being a delinquent or having charge off accounts. Im always on top of bills and paying back what I owe. Ive been filing disputes after disputes for fraud and nothings seems to work at this point.

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 2025-09-11 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: CA

Complaint narrative:
Please delete these incorrect accounts within 15 days as mandated by USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I previously sent National Credit Systems a certified debt validation letter on XX/XX/year>, which was delivered on XX/XX/year>, as documented in USPS tracking. I requested verification of the alleged debt in accordance with FDCPA 15 U.S.C. 1692g and asked that all collection and reporting activities cease until validation was provided. They never responded. 

Despite this, on XX/XX/year>, National Credit Systems verified the tradeline with XXXX  during my dispute with the credit bureau. This is a direct violation of the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i ( a ) ( 3 ) ( A ) ) and FDCPA, as no supporting documentation has been sent to me. 

They are reporting unverifiable information, failing to communicate with me as required by law, and continuing to damage my credit score through false representation of a debt that has not been validated. I am requesting the removal of this tradeline and a full investigation into National Credit Systems noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: GA

Complaint narrative:
The debt collection agency is called IQ DATA XXXX. The person I spoke too was named XXXX XXXX. This all started back in XXXX of XXXX. The debt was on my credit report since XXXX, however, we are starting a house buying journey so I was trying to pay off any debt I had sitting on my credit report. I called IQ DATA first on XX/XX/XXXX. I began by saying, I would like to arrange a payment plan to get this debt taken care of, XXXX XXXX then proceeded to tell me that they do not accept payment plans. As I did not have the total amount available ( because who has XXXX laying around in this economy ) I simply said I do not have anything to pay, is there any other options. He then proceeded to tell me that I had to apply and get DENIED for THREE personal consolidation loans and send him the denials before he would agree to a payment plan. I felt unsure about this tactic so I did my research and did not do what he said. I chose to block contact because this is predatory. He then proceeds to call my sister, my job, my mother, my step father, and my grandmother over 22 times per day for a solid week trying to get in contact with me, even though I NEVER gave him the contact info for any of these people. He then got in contact with my bank and tried to pull the amount due out of my banking account for 10 days straight. It declined of course because I did not have that amount available and I had to have the bank block this company from trying to do this. This company is a XXXX that needs to be taken down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I entered the First Citizens Bank Branch in XXXX XXXX with the intent to open a business account and subsequently apply for a business credit card. 
I was not asked for my business documents but instead was informed by the branch supervisor XXXX that I would not likely be able to qualify for such an account because there was a long list of requirements that I would need to submit to. 
I had all of the documents on the list but again I was not even asked if I had the information. 
I informed XXXX that I had a business account with XXXX since XXXX as well as business credit with them. 
It would seem in order for me to open an account with XXXX I would have had to have the Articles of XXXX, XXXX etc. again, I had this information with me but was never asked for it. 
Instead I was asked about my business, I answered the question but then XXXX told me that their banking clientele are doctors, construction companies and he wanted to know why I wanted to bank with First Citizens if I already had a banking relationship with XXXX. 
I told him I did not understand why he was asking me that. My nephew who had driven me to First Citizens and was outside parking the car, entered after this questioning had begun. He took a seat and then XXXX started explaining to him that he was just asking me why I wanted to bank with First Citizens and why I would need a business credit card if I already had these things with XXXX My nephew could not find the words to respond but he said your questions seem to be...... then he stopped and said we will need to leave now and if my aunt decides she wants to do business with First Citizens then she will email you the documentation on this check list. 

By the time we got to the car, my nephew said, " that guy 's behavior was discriminatory ''. 

I have had a banking relationship with XXXX since XXXX, but I have also banked with XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. It is not unusual that a person or a corporation would have more than one banking relationship, nor is it out of the ordinary to have more than one credit card issued by various financial institutions. 

I emailed First Citizens XXXX XXXX XXXX and received an automated response on XX/XX/XXXX but have heard nothing since. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
The following inquiries are fraudulent and should be removed from my credit report immediately : 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 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 XXXX XXXX  These inquiries are damaging to my credit profile and were not authorized by me. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for legitimate and permissible purposes. Since these inquiries were made without my consent, they violate federal law. 

I request that these unauthorized inquiries be deleted from my credit file immediately as they are the result of fraudulent activity and identity theft.

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 2025-09-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The following inquiries are fraudulent and should be removed from my credit report immediately : 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 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 XXXX XXXX  These inquiries are damaging to my credit profile and were not authorized by me. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for legitimate and permissible purposes. Since these inquiries were made without my consent, they violate federal law. 

I request that these unauthorized inquiries be deleted from my credit file immediately as they are the result of fraudulent activity and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
In XXXX, an eviction case ( XXXX XXXX. XXXX ) was filed in XXXX at XXXX XXXX XXXX XXXX XXXX Florida XXXX On XX/XX/XXXX, the court dismissed the case for lack of prosecution. No judgment was entered against me. 

In XXXX XX/XX/XXXX, I disputed this record with Experian and submitted the official court dismissal order as proof. Despite this, Experians investigation came back as verified and updated, and the eviction record remains on my report. 

Reporting a dismissed eviction as an active record is inaccurate and misleading. Experian failed to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA 611 ), even after I provided official court documentation.

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 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has repeatedly charged me overdraft fees incorrectly, despite my account showing sufficient funds to cover transactions. I have proof that these fees were wrongly assessed, yet the bank refuses to correct them. 

For example, I had a {$25.00} XXXX XXXX automated payment. My daily ending balance was positive at {$76.00}, but the next day Wells Fargo charged me a {$35.00} overdraft fee. I called three times to dispute this, spending hours with different representatives, and no one provided a resolution. I was told the charges were correct, but they clearly were not. 

More recently, I experienced a fraudulent {$360.00} XXXX charge that placed my account at {$330.00}. After positive funds were applied, my account this morning showed {$5.00} only because of a {$35.00} overdraft fee that Wells Fargo added. A representative claimed I was negative {$8.00}, but if that were true, adding the {$35.00} fee would leave my balance at {$43.00}, not {$5.00}. This demonstrates that I had enough positive funds to cover part of the balance and that the overdraft fee was assessed incorrectly. 

I have faced this same issue many times since XXXX. Wells Fargos system continues to apply overdraft fees in error, costing me hundreds of dollars over the years. Each time, I am treated dismissively, as though I am uneducated, even when I present clear evidence that their calculations are wrong. 

I am requesting a full investigation into Wells Fargos overdraft fee practices on my account and a refund of the improperly assessed charges.

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 2025-09-11 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: MI

Complaint narrative:
My Equifax credit report is showing an outdated and inaccurate address that does not belong to me : XXXX XXXX XXXX, XXXX, MI XXXX. 

This address is not listed on XXXX  or XXXX, only Equifax, which shows inconsistency and inaccuracy across the three bureaus. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit reporting agencies are required to ensure maximum possible accuracy. 

I have already provided proof of my correct and current address ( XXXX XXXX XXXX, XXXX MI XXXX ) with my state-issued ID and supporting mail. There are no open accounts tied to the XXXX XXXX address, and therefore it should not remain on file. 

By continuing to report an incorrect and unverifiable address, Equifax is violating the FCRA. I am requesting the immediate deletion of this outdated address from my credit file to ensure accuracy and fairness in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES 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 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 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 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 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 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 {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I registered a Venmo account and used it normally. After many identity verifications, the company froze my account without any evidence or reason. Then, I couldn't use the money in my account, and they said it was frozen for 180 days. I feel that they are defrauding us consumers and cheating us of our funds. Every time I contact them, I get no response and they keep making excuses to avoid the problem. I hope you can help me solve the problem. The account I use on Venmo is my mobile phone number XXXX. Please help me get my money back. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact 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 2025-09-11 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays filed a lawsuit against me for charges that I reported as fraudulent. At the time these charges were made, I was outside of the United States for more than two years and could not have made or authorized these transactions. I informed both Barclays and the collection company that the charges were fraudulent and requested that collection efforts stop. It has now been more than 60 days since I raised the dispute, but no action has been taken to resolve the matter or provide proof that I made these transactions. I continue to be pursued for this debt, even though I have disputed it as fraudulent and requested verification.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Unable to reach Experian over the phone. The customer service AI bot continually hangs up on me when trying to reach a human. My onllne access has been breached and appears to be the only way to rectify the situation. A credit card has been opened and used. It also appears on my credit report. The other 2 agencies were simple to fix. Experian is a blackhole with no ability to reach someone. This needs oversight and the sensitive nature of my credit with no recourse unacceptable.

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 2025-09-11 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: VA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief