vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXXDraft Complaint Text:XXXX XXXX XXXX XXXX, I was the victim of an online scam in which I was tricked into sending XXXX through XXXX  (funded via my Bank of America account using XXXX  XXXX) to a recipient in XXXX  (XXXX XXXX XXXX XXXX XXXX  The seller never provided the product and later blocked me on XXXX. I filed fraud reports with the FTC (Report XXXX) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXXI immediately disputed the transaction with Bank of America. My claim was opened on XXXX under Claim ID: XXXX XXXX XXXX Despite providing clear evidence that I was the victim of fraud, Bank of America has failed to properly resolve the dispute under Regulation XXXX  and XXXX chargeback rules. The scammer produced no proof of legitimate goods or services. Instead, I provided extensive documentation: XXXX  transfer records, screenshots of fraudulent communications, proof that the package was never delivered, and official fraud reports.XXXXBank of Americas denial (or failure to credit back funds) represents an unreasonable investigation and violates my rights under 12 CFR Part 1005 (Regulation XXXX). As a consumer, I expected my bank to protect me from unauthorized/fraudulent use of my account. I am seeking a full reinvestigation and reimbursement of the XXXX loss.'

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 2025-09-29 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: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 

XXXX5 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

In addition, the original owner of the debt was XXXX XXXX. Which closed my account without prior notice, so all payment information was deleted without notifying me. When I went to the XXXX XXXX XXXX, no one was able to explain to me what had happened or why they made the decision to close my account without prior notice. Therefore, the payments could not be made and they sold my information without my consent. The payment to settle the total debt was made to the original XXXX XXXX  agency, so the collection agency XXXX  XXXX XXXX has no right to the debt or to report such erroneous information on my credit report. Therefore, I request that such erroneous information be permanently removed from 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 2025-09-29 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 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 XXXX 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  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$580.00} These accounts have resulted in several fraudulent XXXX inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  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 XXXX  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 XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
this account is not mine. I have reached out to the creditor many times in regards to this. Each time I call, I am told that they can't find an account with my name and social. I think someone may have used my information to open up this account after it was leaked in the data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I am writing to formally escalate my complaint regarding the escrow account that has been improperly added to my mortgage account. 

This escrow account is not valid and should never have been created. NewRez has referenced a refund check as justification, but that refund check was never cashed. Your records should clearly reflect this. Despite this fact, my mortgage has been altered in a way that is both inaccurate and unacceptable. 

I am requesting the following actions immediately : Remove the escrow account from my mortgage. 

Return my mortgage to the agreed-upon payment structure. 

Correct your records to reflect that the refund check was never cashed. 

This ongoing issue has caused unnecessary stress and confusion. I need NewRez to take responsibility and resolve this matter once and for all. Please provide written confirmation when these corrections have been made. 

If this issue is not corrected promptly, I will have no choice but to pursue further action to protect my rights as a borrower.

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 2025-09-29 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-29 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: NY

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. for knowingly reporting false and materially misleading credit information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
On XX/XX/XXXX, Experian began reporting a XXXX late payment for XX/XX/XXXX on my XXXX XXXX XXXX XXXX XXXX XXXX. credit card account ( Acct ending XXXX XXXXXXXX ). This derogatory was never present on any previous Experian reports, nor is it reported by the other credit reporting agencies. 
Experian Report ( XX/XX/XXXX ) : Shows Exceptional Payment History with no late payments, including XX/XX/XXXX. 
XXXX  Report ( XX/XX/XXXX ) : Reports Pays As Agreed with no late payments. 
XXXX  Report ( XX/XX/XXXX ) : XXXX XXXX XXXX with no late payments. 
Experian Report ( XXXX XXXX, XXXX ) : Suddenly reports XX/XX/XXXX as XXXX  days late. 
This is a retroactive derogatory insertion that is unsupported by the data furnisher ( XXXX XXXX ) and contradicts Experians own previously published data. 
Violations of XXXX FCRA XXXX ( b ) ( 15 U.S.C. 1681e ( b ) ) : Experian failed to follow reasonable procedures to assure maximum possible accuracy. By inserting a late payment that did not previously exist, Experian has published false information. 
FCRA XXXX ( a ) ( 15 U.S.C. 1681i ( a ) ) : I have disputed this account directly with Experian. Unless Experian can produce documented, verifiable records from XXXX XXXX proving delinquency in XX/XX/XXXX, this reporting is inaccurate and must be deleted. 
XXXX XXXX XXXX Standards : Under the XXXX XXXX XXXX Format, furnishers are prohibited from altering historical payment history without verifiable evidence. XXXX acceptance and publication of this retroactive derogatory constitutes a violation of these standards and results in an inaccurate consumer 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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Final Response for Disputed Account portfolio acct no. XXXX {$5000.00} I previously requested full validation of this alleged debt, including : A signed copy of the original creditor agreement, A complete accounting and itemization of the balance, and Proof of legal assignment/ownership.

What I received instead were generic verification sheets and recycled data that fail to meet the requirements of the FDCPA 809 ( b ). These do not constitute proper validation.

By continuing to report unverifiable or incomplete information, this company is in violation of the FCRA 623. A sellers summary or computer printout is not legal validation.

I am demanding deletion of this tradeline from all credit reporting agencies. If the company continues to furnish unverifiable information, I will pursue federal legal remedies for damages, costs, and attorney fees.

This is the final notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: IL

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( XXXX ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-09-29 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: MA

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  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  - Account Number : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} 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 non-monetary relief
Consumer complaint received 2025-09-29 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Complaint Against Bank of America Unauthorized Fees and Compromised Business Account Dear CFPB, I am filing this complaint against Bank of America regarding my companys business checking account under XXXX XXXX XXXX XXXX. The account was compromised, and as a result, I was improperly charged {$3400.00} in fees that I do not owe. 

I reported to Bank of America that the account had been compromised, but the bank has failed to take appropriate corrective action or reverse the fraudulent charges. These fees stem from unauthorized transactions and fraudulent activity that should not be my responsibility. 

Courts and federal statutes have long held that banks must investigate and address fraudulent account activity : Uniform Commercial Code ( UCC ) 4-401 provides that a bank may only charge a customers account for items that are properly payable. Unauthorized transactions and fees do not meet this standard.

In Koger v. East First Natl Bank of Amarillo, 443 S.W.2d 185 ( Tex. Civ. App. 1969 ), the court confirmed that a bank can not charge an account for unauthorized items.

In Client Funding Solutions Corp. v. Crimshaw, 2011 WL 4591077 ( N.Y. Sup. Ct. 2011 ), the court reinforced that banks have a duty to act in good faith and exercise ordinary care in handling accounts.

Federal guidance under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., while focused on consumer accounts, reflects Congresss clear intent that account holders must be protected from liability for unauthorized transactions.

This matter has caused financial harm and disrupted my business operations. I am requesting the CFPBs assistance in ensuring that Bank of America : Fully investigates the fraudulent account activity.

Reverses the {$3400.00} in unauthorized fees.

Restores the account to good standing.

Provides written confirmation of the corrective actions taken.

I am attaching supporting documentation, including account statements and correspondence with the bank.

Thank you for your time and attention to this matter. I respectfully request your assistance in resolving this issue and protecting my rights as a small business owner. 

Sincerely, 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 explanation
Consumer complaint received 2025-09-29 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: TX

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 - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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, 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 2025-09-29 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: CBC Companies, Inc.
State: VA

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 response to consumer: Closed with non-monetary relief