vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On Thursday, XX/XX/year>2025, I deposited a Cashiers Check in the amount of {$17000.00}, drawn from XXXX XXXX XXXX  in XXXX, Arizona, into my Bank of America business account at a local branch. At the time of deposit, the bank teller did not inform me that the funds would be placed on hold, nor was I given any written notice regarding a hold.

I discovered the funds were on hold only after the deposit, when I received the emailed deposit receipt the following day, Friday, XX/XX/year>2025. 

On Monday, XX/XX/year>2025, I contacted Bank of America to inquire about the hold and spoke with Supervisor XXXX and later Supervisor XXXX. Both supervisors stated that nothing could be done to release the funds and offered no further explanation or escalation. 

The reason I requested a Cashiers Check from the payer was because it is considered equivalent to cash and typically available the next business day under Regulation CC ( 12 CFR Part 229 ), especially when deposited in person. If I had been informed of a hold, I would have requested cash instead to avoid delays.

This lack of disclosure at the time of deposit, combined with the refusal to escalate or explain the reason for the hold, has caused a financial hardship for my business, which relies on timely access to funds for payroll and operations.

I submitted a written request to Bank of America asking them to release the funds immediately or provide a written explanation stating the reason and legal basis for the extended hold. I also notified them that I would be filing a formal complaint with the CFPB and the Office of the Comptroller of the Currency ( OCC ).

To date, Bank of America has not provided a valid reason or resolved the issue.

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 2025-07-29 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: PA

Complaint narrative:
A fair resolution would be for Equifax to conduct a reinvestigation of the late payments reported on the following accounts and permanently delete them if the original creditors can not provide documented proof that I was properly notified prior to the negative reporting : Accounts in Dispute : XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX Requested Actions : Reinvestigate all late payment entries associated with the above accounts. 

Require the furnishers ( creditors ) to submit dated written notices or communication logs proving that I was notified about the due dates and/or impending late payments before the marks were reported. 

If the creditors can not verify that proper notice was given, Equifax is legally required to delete the late payments in compliance with FCRA 1681i ( a ) and 1681e ( b ). 

Provide written confirmation that the disputed late payments have been removed. 

Send me an updated copy of my corrected credit report within XXXX business days. 

If not resolved : If Equifax fails to act on this dispute, I will pursue further complaints with the FTC, the state Attorney Generals office, and seek potential legal claims under FCRA 616, which allows for statutory and actual damages as well as recovery of legal costs. 

This resolution is based on federal consumer protection laws, and I am simply exercising my right to an accurate and fair credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NY

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 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Subject : Complaint for FCRA Violations by Credit Reporting Agencies To Whom It May Concern, I am filing a formal complaint against Experian, Equifax, and TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Failure to respond timely to disputes as required by FCRA 611 ( a ) ( 1 ) statutory damages of {$1000.00} per violation Reporting unauthorized hard inquiries in violation of FCRA 604 ( a ) ( 3 ) statutory damages of {$1000.00} per unauthorized inquiry Illegal re-aging of accounts to extend negative reporting periods, violating FCRA 605 ( c ) statutory damages of {$1000.00} per violation Re-insertion of previously deleted information without written notice, violating FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) statutory damages of {$1000.00} per violation Failure to mark disputed accounts as in dispute, violating FCRA 623 statutory damages of {$1000.00} per violation These willful and negligent violations have caused me substantial damages, including harm to my creditworthiness, denial of credit opportunities, and emotional distress.

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 2025-07-29 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: PR

Complaint narrative:
Subject : Complaint for FCRA Violations by Credit Reporting Agencies To Whom It May Concern, I am filing a formal complaint against XXXX, Equifax, and XXXX  for multiple violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Failure to respond timely to disputes as required by FCRA 611 ( a ) ( 1 ) statutory damages of {$1000.00} per violation Reporting unauthorized hard inquiries in violation of FCRA 604 ( a ) ( 3 ) statutory damages of {$1000.00} per unauthorized inquiry Illegal re-aging of accounts to extend negative reporting periods, violating FCRA 605 ( c ) statutory damages of {$1000.00} per violation Re-insertion of previously deleted information without written notice, violating FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) statutory damages of {$1000.00} per violation Failure to mark disputed accounts as in dispute, violating FCRA 623 statutory damages of {$1000.00} per violation These willful and negligent violations have caused me substantial damages, including harm to my creditworthiness, denial of credit opportunities, and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Subject : Complaint for FCRA Violations by Credit Reporting Agencies To Whom It May Concern, I am filing a formal complaint against XXXX XXXX, and TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Failure to respond timely to disputes as required by FCRA 611 ( a ) ( 1 ) statutory damages of {$1000.00} per violation Reporting unauthorized hard inquiries in violation of FCRA 604 ( a ) ( 3 ) statutory damages of {$1000.00} per unauthorized inquiry Illegal re-aging of accounts to extend negative reporting periods, violating FCRA 605 ( c ) statutory damages of {$1000.00} per violation Re-insertion of previously deleted information without written notice, violating FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) statutory damages of {$1000.00} per violation Failure to mark disputed accounts as in dispute, violating FCRA 623 statutory damages of {$1000.00} per violation These willful and negligent violations have caused me substantial damages, including harm to my creditworthiness, denial of credit opportunities, and emotional distress.

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 2025-07-29 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: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I am formally filing a complaint with XXXX XXXX XXXX regarding inaccurate data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. 

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with XXXX, specifically XXXX XXXX, Section XXXX, which mandates a clear description of the verification process used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
There are several inaccuracies on my credit report the investigation did not fix

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc.
State: MI

Complaint narrative:
As part of a settlement I was sent a link to a prepaid card on https : //www.myprepaidcenter.com/. They won't tell you or show you the balance without activating the card. The card has a few dollars on it and is not usable. They will charge you for inactivity and the delete card button does not work. They provide no method of removing the card. Calling the number does not allow you to reach a person or delete the card. It is a trap and fraud. It is clearly designed to entrap people and charge them fees it does not provide any usable service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 605B 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 2025-07-29 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: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-29 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: EQUIFAX, INC.
State: FL

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 : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: GMA Investments, LLC
State: PA

Complaint narrative:
b'Summit keeps harassing me about a XXXX XXXX. I have had this number for many years and told them several times I dont know this person. Now they are leaving threatening messages with my name they got somehow and said they are filing a complaint against my property. I am a XXXX  and at the point of getting a new number but now they are threatening my property? How can they do this on someone I never met? This needs to stop immediately.  Spoke with XXXX XXXX today case XXXX XXXX. This is causing anxiety on collections for someone I never met. Their number is XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
There are several inaccuracies on my credit report

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 2025-07-29 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: GA

Complaint narrative:
There are several inaccuracies on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: TX

Complaint narrative:
netspend offered a XXXX $ bonus to be paid upon 5 business days of completion. the terms were that after XXXX $ in direct deposit for new checking accounts would recieve a XXXX $ bonus paid in no more than 5 business days from receving direct deposit. the direct depost was made from my employer on XXXX for XXXX XXXX I was told that i satisfied the requirments and would be paid in XXXX business days ( XX/XX/XXXX or XX/XX/XXXX ). they have not paid me and have stopped responding to inquiries. please escalate this so that i can have my bonus paid. 

the promotion has been archived for terms ; XXXX XXXX XXXXXXXX : 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 2025-07-29 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: EQUIFAX, INC.
State: NJ

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  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8900.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I am writing to formally dispute the continued and unlawful reappearance of an account on my credit report without proper notification in accordance with the Fair Credit Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ).

There are several accounts that were paid and are still on my account. As well as some that are incorrect.

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 2025-07-29 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:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be updated.

This was clearly a billing error made my the company and is not a reflection of my payment experience.

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!

Company response to consumer: Closed with non-monetary relief