vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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 BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
I was in the process of being sent a new credit card from Bank of America. The card never arrived on my doorstep, but I was charged {$870.00} for wines and spirits on XX/XX/year> from XXXX, XXXX. 

I informed BofA that my card never arrived, and that I was charged for {$870.00} without my approval. They placed a temporary fraud dispute on my account. 

Today, I received a letter in the mail saying that they did not approve my request for the fraud dispute, and that I have to pay the {$870.00} I am extremely angry about this, as I can prove that I was NEVER in XXXX, XXXX, simply from my geolocation, and the fact that I was at home in XXXX  XXXX, working. Bank of America needs to do better in its research into fraud disputes.

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 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reporting an unauthorized credit inquiry on my credit report, made without my knowledge or consent. I had no dealings with this company and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
An unauthorized inquiry to be removed : XXXX XXXX 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 explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: NY

Complaint narrative:
CFPB Complaint XXXX Relay Financial Account Freeze Summary of Complaint : Relay Financial has frozen my business bank account without valid justification and has been unresponsive in providing a clear resolution timeline. This freeze has locked me out of {$5000.00} in deposited funds needed for business operations, causing financial hardship. 

Details : Institution : Relay Financial ( partner bank : XXXX Bank ) Type of Account : Business checking Date account opened : XX/XX/year> Date of freeze : XX/XX/year> Deposit in question : {$5000.00} from a family member lender Reason given by Relay : Relay claims it requires correspondence between myself and the lender. 
Why I object : I have provided legitimate proof of the source of funds ( signed loan agreement and funding confirmation, and contact information for the lender ). I have declined to provide private correspondence, which is not standard banking practice, especially for a modest transaction amount. 
Relays refusal to resolve : I have requested that XXXX either unfreeze the funds or return them to the sender. They have refused to do either, have provided no written timeline for resolution, and have been unresponsive to follow-up inquiries. 

Impact : This account freeze has : Prevented access to business operating funds. 
Caused disruption in paying vendors and meeting obligations. 
Damaged my trust in the financial institution. 

Attempts to Resolve : I contacted XXXX support multiple times via email and phone for which I can provide the dates and times upon request. 
I requested escalation to a compliance XXXX no response provided. 
I asked for the funds to be returned to the sender if they could not be released refused. 
I have not been given a clear written explanation of what specific documentation is required to release funds, beyond the unusual request for private correspondence. 

Requested Resolution : XXXX release of my funds, or immediate return of the funds to the sender. 
Written explanation for the account freeze and the legal/regulatory basis for requesting private correspondence between borrower and lender. 
XXXX policies to prevent similar incidents in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
The credit card company keeps denying my claim even though those charges are completely fraudulent. I filed reports with the FTC, etc. and told the credit card company it was not me who made those charges but they keep denying my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
I have requested my credit report display accurate information however I am not seeing that the changes occur. 
Please remove the following inquiries from my credit report. I did not grant my permission for these companies to gain my personal information : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX Please remove the following employment information : XXXX XXXXXXXX XXXX, Medical Support, Veterans Affairs and Employed. This raise concerns under FCRA 1681b regarding permissible purpose and proper reporting.

Please remove the following address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Tx XXXX. My ONLY address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX Please be advised : No Authorization to Publicly Display Personal Information Under the Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) and its Privacy Rule, financial institutions must ensure that personally identifiable financial information is not disclosed to third parties without explicit consent. I did not authorize any third party, including credit reporting agencies, to publicly display or disseminate my personal credit history, including late payments. This constitutes a violation of my financial privacy rights. 2. Violation of FCRA Inaccurate and Unverifiable Reporting Per 15 U.S.C. 1681c ( a ) of the FCRA, negative information such as late payments may not be reported beyond seven years from the date of the first delinquency. Any account that is past this time frame must be deleted. Additionally, FCRA 1681i ( a ) requires that any disputed item that can not be verified by the furnisher of the information must be promptly deleted from the consumers file. 3. No Legal Obligation or Contract with Credit Bureaus I have never entered into any contractual agreement with your agency granting permission to collect, store, report, or distribute my personal credit information. The unauthorized reporting and dissemination of my personal and financial data is being done without my informed consent and therefore must cease immediately. 4. Violation of My Right to Privacy and Consumer Protections Under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ), consumers are protected from unfair, deceptive, or abusive acts or practices ( UDAAPs ). Reporting inaccurate or unauthorized information, especially without proper validation or consent, is considered an abusive practice and is subject to regulatory enforcement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
In XX/XX/year>, Ollo Credit Card apparently merged with Ally Bank, changing the name of the credit card to " Ally. '' For some reason, this disrupted the online access of tens of thousands of customers. Presumably, some customers ' access to their online accounts was restored, but mine never was. 

It has now been two years since I have been able to access my account. I have phoned Ally on this concern upwards of forty times. They have promised more than a dozen times that the problem was being worked on and would be " solved within 24-36 hours. '' They promised that " Two women, very high up and important in the company, would telephone me within a day to straighten the matter out once and for all. '' ( Nobody called me ).

I complained that I could not see what transactions were happening to my card or what interest I was being charged. Customer service chastised me to just look at my paper statement. But they never mailed me a paper statement. It took four or five phone calls for me to make them mail me a paper statement. Years are passing while all this is going on. To this moment, it has been more than 2 years since I have been able to access my account online. Ally/Ollo has never bothered to repair this problem. It is intolerable.

I write today, because Ally/Ollo has been sending me emails that say, " follow this link to your account to read an important message! '' But I have no online access to my account ( hello? they've forgotten? ) so I emailed them that they're simply going to have to break down and EMAIL or PHONE the information to me. In response, they sent another email telling me to click the link and sign in. They also sent a password reset link. None of it works. I have been shut out of my account for two years. I threatened tht I'd report them. They don't seem to care.

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 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am disputing a negative account Capital One is reporting to XXXX. This account is listed with a charge-off balance of {$200.00} and a closure date of XX/XX/year>. 

I sent Capital One a written dispute requesting full validation of the account under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). My request included a demand for full documentation, including a signed contract or application, any account records, and proof that I authorized this debt to be reported to XXXX 

Capital One failed to provide any response. They did not mail or email any documentation, but they continued verifying the account with XXXX  That is a clear violation of FCRA guidelines. Reporting unverifiable debt without supplying requested documentation is considered negligent and unlawful. 

I am requesting that this account be immediately removed from XXXX  and that Capital One cease all future reporting of this unverifiable item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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 accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
The company said they were investigating the transaction and they did nothing except for tell me that I " authorized the payment and no error occurred ''. That is not a thorough investigation to fraud. I appealed it and 3 days later they came back with the same result. They never shutdown the scammers account or anything. I was scammed into paying for a bail bond and I never received the bail bond because the person who called me was a scammer pretending to be a bail bondsman. I told Cashapp this. Showed them all of the text messages and FBI and police reports and they still said " no error occurred ". Attached is the letter they sent me. That is not what I asked them to do as far as an investigation goes. When doing to complaint I marked fraud and scammed. Then I marked that I didn't receive what I paid for. How did Cashapp get that i didnt make the payment? They clearly didn't take this as serious as they claimed and these scammers are using this platform to for fraudulent activity because they know Cashapp isn't going to do anything like in this particular case. This is unacceptable and to know that there was a scam and do nothing about it makes them an enabler for crooks and thieves. I think sanctions and stiffer penalties need to be in place as this is a big problem all across the board. I'm not the only one who has been scammed. There was a big news story on it the day after I was scammed. Then they lied and said they were working on it. How and all you said was I authorized it. That's not a scam. I wrote a scam. Told them who and how. They never asked if I received the good or looked at the police reports. The XXXX is the number that scammed me and the screenshot prove i was communicating with them and it also shows the same number in a XXXX post which I wish I would have seen before this happened. I out all of this in the report to Cashapp and the never looked into it. They ignored the proof I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
GM FINANCIALis falsely reporting on my credit. I have never had any accounts with them. Per my research GM FINANCIAL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Subject : Failure to Follow Proper Procedures in Consumer Investigation Metro 2 and FCRA Violations Dear Credit Bureau Compliance Department, I am writing to formally dispute the results of your recent reinvestigation regarding one or more accounts reported on my credit file. Your investigation failed to follow the proper FCRA procedures under 15 U.S. Code 1681i and did not ensure that data furnishers followed Metro 2 compliance standards, which the Consumer Data Industry Association ( CDIA ) recommends as best practices for accuracy and uniformity.

Issues Noted : 1. Improper Handling of Dispute You closed the investigation without requiring the data furnisher to provide full documentation to verify account accuracy under Metro 2. This includes : Date of First Delinquency ( DOFD ) Account status codes ( in sync with balance and payment history ) Accurate Consumer Disputes coding ( if missing, this is a violation ) 2. Failure to Mark Item as In Dispute If you fail to mark an item as disputed during an open dispute, this violates FCRA 1681i ( c ) and Metro 2 reporting code compliance.

3. Incomplete or Contradictory Information The account continues to report contradictory data ( e.g., closed but showing a balance or paid but marked as charged-off ). This violates both the FCRA and Metro 2 data field requirements.

Demand for Immediate Action Under FCRA 1681i ( a ) and 1681s-2, you are required to : Conduct a reasonable and documented reinvestigation Delete any information that is inaccurate, unverifiable, or improperly reported Ensure data furnishers use consistent standards, such as Metro 2 , to prevent misleading or conflicting credit data If you can not verify all fields reported in accordance with Metro 2 and the FCRA, you are required by law to permanently delete the disputed item from my credit file.

Notice of Legal Rights I retain all rights to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Report this procedural violation to the Federal Trade Commission ( FTC ) Take legal action under FCRA 616 and 617 for noncompliance, with statutory damages of up to {$1000.00} per violation Please respond within 15 calendar days from receipt of this notice. If no resolution is provided, I will escalate the matter. 

Sincerely, XXXX XXXX XXXX [ Signature if sending by mail ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Subject : Failure to Follow Proper Procedures in Consumer Investigation Metro 2 and FCRA Violations Dear Credit Bureau Compliance Department, I am writing to formally dispute the results of your recent reinvestigation regarding one or more accounts reported on my credit file. Your investigation failed to follow the proper FCRA procedures under 15 U.S. Code 1681i and did not ensure that data furnishers followed Metro 2 compliance standards, which the Consumer Data Industry Association ( CDIA ) recommends as best practices for accuracy and uniformity.

Issues Noted : 1. Improper Handling of Dispute You closed the investigation without requiring the data furnisher to provide full documentation to verify account accuracy under Metro 2. This includes : Date of First Delinquency ( DOFD ) Account status codes ( in sync with balance and payment history ) Accurate Consumer Disputes coding ( if missing, this is a violation ) 2. Failure to Mark Item as In Dispute If you fail to mark an item as disputed during an open dispute, this violates FCRA 1681i ( c ) and Metro 2 reporting code compliance.

3. Incomplete or Contradictory Information The account continues to report contradictory data ( e.g., closed but showing a balance or paid but marked as charged-off ). This violates both the FCRA and Metro 2 data field requirements.

Demand for Immediate Action Under FCRA 1681i ( a ) and 1681s-2, you are required to : Conduct a reasonable and documented reinvestigation Delete any information that is inaccurate, unverifiable, or improperly reported Ensure data furnishers use consistent standards, such as Metro 2 , to prevent misleading or conflicting credit data If you can not verify all fields reported in accordance with Metro 2 and the FCRA, you are required by law to permanently delete the disputed item from my credit file.

Notice of Legal Rights I retain all rights to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Report this procedural violation to the Federal Trade Commission ( FTC ) Take legal action under FCRA 616 and 617 for noncompliance, with statutory damages of up to {$1000.00} per violation Please respond within 15 calendar days from receipt of this notice. If no resolution is provided, I will escalate the matter. 

Sincerely, XXXX XXXX XXXX [ Signature if sending by mail ]

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