vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/, I attempted to log into my business bank account of Bank of America, but the computer froze three or four times, each time instructing me to try again after XXXX  hours. As a result, I decided to wait and planned to access online banking the following Monday. However, on the night of Sunday, XX/XX/XXXXXXXX XXXX  I discovered an unauthorized wire transfer in the amount of {$190000.00} to XXXX XXXX XXXX XXXX XXXX XXXX. I reported the issue to the Bank of Americathe next morning at approximately XXXXXXXX XXXX XXXX XXXX. Usually, bank send me a text notice asking me to approve any first-time online transaction, however, I had never received the notice. 

On XX/XX/, I sent a letter to Bank of AMerica requesting escalation of my claim for further review and all bank procedures regarding customer protection in the event of an account compromise. I sent the letter via email to the following addresses : XXXXXXXX XXXX, and XXXX 

I did not initiate the wire transfer of {$190000.00} on XX/XX/, nor did I authorize the transfer of funds to XXXX XXXX XXXXXXXX XXXX XXXX XXXX, with which I have no personal or business relationship. Furthermore, I did not receive any confirmation message from Bank of America requesting approval for the transfer in the amount of {$190000.00}. 

Additionally, during my communication with the representative in either business office or Fraud Department regarding the wire transfer on XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, your representative ( Lady ) stated that the recipient bank ( XXXXXXXX XXXX XXXX XXXX ) held the funds due to suspicious banking activity, and the funds would be returned to me. However, I have not received any details regarding the recipients activities or follow-up investigations from you. I contacted XXXXXXXX XXXX on XX/XX/2XXXX to inquire about any information regarding the account details of the recipient of the wire transfer. However, they informed me that they could not release any details of the wire or customer information unless Bank of America contacted them for the follow-up. 

I had made a report to IC3, FTC, and the XXXX XXXX Department, and currently, one of the detectives in the police department sent a subpoena to XXXXXXXX XXXX, and I'm waiting for the result.

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 2025-06-07 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: TN

Complaint narrative:
Equifax is reporting a XXXX account as a charge-off, which is inaccurate. I paid the account in full on XXXX XXXX and I have documentation from XXXX confirming this. I disputed the account with Equifax and provided the paid-in-full letter and additional proof, but they verified the account without correcting it. The charge-off status is unfair and inaccurate, especially given the account has a {$0.00} balance and is resolved. 
This is damaging my credit and affecting my ability to qualify for credit or better interest rates. I believe Equifax did not properly investigate or consider the documents I provided. Im requesting that the CFPB help ensure this account is either updated accurately to show Paid in Full or removed entirely if Equifax can not verify it according to FCRA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: LAKE MICHIGAN CREDIT UNION
State: VA

Complaint narrative:
Im an XXXX XXXX XXXXXXXX XXXX XXXX I had a debit account with Lake Michigan Credit Union that went {$50.00} negative. I was aware of the negative balance and attempted to resolve it, but I was locked out of the mobile app and there was no forgot password option available. I was never able to regain access. 

I received no communication from LMCU warning me of a charge-off no email, phone call, or mailed notice. The account was then closed and charged off, and I only found out when my XXXX score dropped XXXX points due to the credit reporting. 

As soon as I became aware, I paid the balance in full. But the charge-off and account closure still appear on my credit report, damaging my credit unfairly. 

Im requesting a formal investigation into : 1. Whether proper notification was issued. 
2. Whether LMCU provided a reasonable way to access and manage the account. 

Im also requesting that the charge-off be removed from my credit report due to the combination of : Denied account access Lack of notice Immediate payment in good faith My protected status under the XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) I have attached the screen shot of the app which was my main way of accessing my account.

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 2025-06-06 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WY

Complaint narrative:
Fraudulent Misrepresentation by PayPal Misinformation, Account Closure resulting in Business Devastation. PayPal violated 12 CFR 1002 ( Equal Credit Opportunity Act ) by withholding funds without justification and CFPB UDAAP rules through deceptive stalling tactics. 
My bank account was suddenly disconnected in XXXX without explanation, despite numerous direct inquiries. Over many months of phone calls and messages ( all recorded and can be used in a court of law ), multiple agents falsely assured me that : 1. My bank account would be reconnected " within 72 hours ''. I waited and tried to reconnect many times over many months, and it didn't work. In my last recorded phone call with XXXX XXXX, she admitted that I was misled because that was not a genuine reason. As a result, I suffered numerous lost sales and reputational damage due to my inability to pay suppliers and fulfill customer orders. 
2. Changing or verifying the new phone number would resolve the issue ( it did not even after trying many valid US phone numbers, not VOIP numbers ). 
3. Finally, on XX/XX/XXXX, XXXX XXXX assured me that if I submit the lease agreement with my US-registered agent, my bank account will be reconnected in 24 hours. She opened a case and promised to expedite it ( I complied, but PayPal closed my account the next day ). No agent warned me about the risk of account closure or fund freezes. 
Bad Faith & Violation of Trust PayPal misled me with false promises, preventing me from conducting my business and causing enormous stress, as I foolishly trusted PayPal with both my business and personal funds. The sudden closure without warning ( after being told to " just wait '' ) suggests willful negligence or deception. 
Devastating Financial Harm : I am unable to fulfill orders, pay suppliers, or cover basic living expenses ( rent, food, medicine ) due to all my funds ( {$20000.00} ) being illegally withheld, in violation of U.S. consumer protection laws.

PayPals 180-day hold is excessive and punitive, with no justification. I have no disputes, chargebacks, or policy violations. My PayPal business account was in excellent standing. I have regularly received letters from PayPal thanking me for providing exceptional customer service since XXXX. All the documents have been submitted to PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: GA

Complaint narrative:
Following identity theft caused by a data breach, fraudulent accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-06 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: CA

Complaint narrative:
I am submitting a complaint to file a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and unverified item currently reported on my credit file : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  {$1600.00}

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 2025-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
I received a debt collection notice from First National Collection Bureau regarding a XXXXXXXX XXXX account for an XXXX XXXX that I did not open or authorize. I have never owned an XXXX or done business with XXXX. The agreement they provided shows a XXXX, FL XXXX address. I live in XXXX XXXX and have never lived in XXXX. There is no signed contract, no delivery confirmation, and the payment history lists debit card attempts that do not match any card Ive ever owned. 

This is clearly a case of identity theft. I have filed a report with the FTC ( Report # XXXX ) and notified the collector. I am requesting that this account be permanently removed from their system and never reported to any credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: MI

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Date of Charge-Off : XXXX XXXX XXXX  The highlighted info can be obtained directly from your credit report. If you need assistance with getting your credit report please see the instructions page included. 
It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this mat

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 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I recently reviewed my credit report and noticed some inquiries that I did not authorize. These were not made by me, nor did I give anyone permission to use my information for such purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My account was not entered correctly by the bank and therefore my payments to creditors were being denied. My house payment, my car payment were denied. Myy credit score plummetted. My HOA fees were not paid. Any auto payment was denied. My checks were denied so I now have to pay my XXXX XXXX XXXX XXXX by cash. I was charged for all the denied payments at {$30.00} a piece. My house insurance was cancelled. There is no way to contact them personally by phone or email. The employee that set this up wrong still works there, even though made complaint. My credit was ruined, payments denied and credit score damage causing me XXXX XXXX XXXX. I now can not sign in to my account. When I was able to my accounts were not available on the website to pay my bills. This was wrong set up was made by the bank manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: MS

Complaint narrative:
Sent experian a letter disputing inaccurate information reporting from XXXX XXXX XXXX XXXX XXXX That was reporting inaccurate balances, charged off still reporting information, XXXX XXXX, the disputes came back and the information and documentation was not provided to substantiate the claims in order to keep the account on my 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 2025-06-06 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MortgagePros, LLC
State: OR

Complaint narrative:
Im reporting MortgagePros that has been repeatedly contacting me by phone and text to pressure me into signing legal paperwork related to a lien that was automatically placed due to a child support case I filed through the state of Oregon. 

I want to be clear : I did not file for the lien myself, and I am not involved in my exs mortgage process. I have no legal obligation to sign any paperwork on his behalf, nor have I agreed to. 

Despite this, the company has been harassing me, sending me threatening messages, and contacting me using multiple phone numbers, even after I told them to stop. Their messages have become increasingly coercive, making false implications about legal consequences if I dont sign. 

This conduct is causing serious emotional distress. I believe they are acting outside of legal authority and using intimidation tactics to force me into signing something I have the right to decline. 

Here is a list of the numbers they have called or texted me from : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully request that the FTC investigate this company for possible violations of federal consumer protection laws, including unfair or deceptive practices, misrepresentation, and harassment

Company response to consumer: Closed with explanation