vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 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: CA

Complaint narrative:
I am filing a formal complaint against Equifax, Experian, and TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ) involving inaccurate, incomplete, and unverifiable information appearing on my credit reports. Despite disputes submitted to all three credit bureaus, they failed to conduct a reasonable reinvestigation, failed to correct or delete inaccurate items, and continued reporting information that they know or should know is incorrect. 

1. Inaccurate information reported on my credit reports ( FCRA 607 ( b ), 623 ( a ) ( 1 ) ) All bureaus continue to report incorrect balances, incorrect statuses, wrong dates, and inconsistent information across the same tradelines. 
2. Failure to investigate disputes properly ( FCRA 611 ) My disputes were not handled using a reasonable reinvestigation process. Responses were generic and contradicted the account data in the reports. 
XXXX. Reporting incomplete and unverifiable information ( FCRA 611 ( a ) ( 1 ) ( A ) ) The bureaus continued reporting accounts even though the furnishers failed to provide complete, verifiable data after dispute.

4. Duplicate tradelines being reported Some accountsparticularly those from XXXX XXXX XXXX XXXX XXXX XXXX being reported twice, which is deceptive, punitive, and violates FCRA accuracy standards. 
5. Incorrect payment history reporting Many tradelines show impossible payment sequences, such as payments after charge-off, inconsistent late codes, or payment histories that contradict balances. 
8. Improper Charge-Off reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) Charge-off dates, balances, and account statuses shift inconsistently from month to month. Some accounts show CO and still show new balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a formal complaint against Equifax, Experian, and TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ) involving inaccurate, incomplete, and unverifiable information appearing on my credit reports. Despite disputes submitted to all three credit bureaus, they failed to conduct a reasonable reinvestigation, failed to correct or delete inaccurate items, and continued reporting information that they know or should know is incorrect. 

1. Inaccurate information reported on my credit reports ( FCRA 607 ( b ), 623 ( a ) ( 1 ) ) All bureaus continue to report incorrect balances, incorrect statuses, wrong dates, and inconsistent information across the same tradelines. 
2. Failure to investigate disputes properly ( FCRA 611 ) My disputes were not handled using a reasonable reinvestigation process. Responses were generic and contradicted the account data in the reports. 
XXXX. Reporting incomplete and unverifiable information ( FCRA 611 ( a ) ( 1 ) ( A ) ) The bureaus continued reporting accounts even though the furnishers failed to provide complete, verifiable data after dispute.

4. Duplicate tradelines being reported Some accountsparticularly those from XXXX XXXX XXXX XXXX XXXX XXXX being reported twice, which is deceptive, punitive, and violates FCRA accuracy standards. 
5. Incorrect payment history reporting Many tradelines show impossible payment sequences, such as payments after charge-off, inconsistent late codes, or payment histories that contradict balances. 
8. Improper Charge-Off reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) Charge-off dates, balances, and account statuses shift inconsistently from month to month. Some accounts show CO and still show new balances.

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 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I just received my credit report and I noticed a lot of hard inquiries that I have no clue about I try reaching out to company and havent received nothing back I bearly started using my credit and a lot of them where from earlier this year and years back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I just received my credit report and I noticed a lot of hard inquiries that I have no clue about I try reaching out to company and havent received nothing back I bearly started using my credit and a lot of them where from earlier this year and years back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: WA

Complaint narrative:
They randomly shut my account down with no information whatsoever then a few months later after I diligently and diligently tried to find out exactly what happened with no success or even know even communication from them they kept telling me that this team would email me but never did over and over and over and over again and then my account all of a sudden became almost XXXX in the negative I contacted you them again to ask him how that happened what transaction did that what exactly transpired no information again whatsoever none and again the team didn't email me back like they said I did that XXXX more times after that they keep that they can't give me information about somebody which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX completely wrong they literally are just refusing to tell me why they close my account or why my account 's negative or what even happened which is illegal it's my right to know why they close my account and why exactly they say my account is negative how that happened I don't want to know why they close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year>, my Chime debit card was used for a card-present transaction of {$61.00} at a XXXX XXXX XXXX XXXX. At the exact time of this charge, I was physically present and working at XXXX XXXX XXXX XXXXXXXX in the XXXXXXXX XXXX XXXX. My physical debit card was never lost, shared, or out of my possession. 

This transaction represents a geographic impossibility and is clearly unauthorized, indicating card number compromise, skimming, or card cloning. I disputed this charge with Chime on XXXX separate occasions, and it was denied each time. I also spoke directly with a Chime supervisor, yet the dispute was still denied without addressing the geographic impossibility of the transaction. I am requesting a full refund and a proper investigation in accordance with Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
I want the accounts on my credit report to be investigated.

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 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Tomo Networks, Inc.
State: CA

Complaint narrative:
Tomo Mortgage is often unresponsive to requests of what is required to close. We are now risking being under penalty from the seller for not closing in time and failing to perform.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: TX

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: WA

Complaint narrative:
Against : Bank of America , N.A . 
Issue Type : Credit card dispute / Billing error / Failure to properly investigate Related Merchant : XXXX XXXX XXXX Disputed Amount : {$12000.00} Claim Number : XXXX I am filing a complaint regarding Bank of Americas handling of a credit card dispute involving a {$12000.00} charge from XXXX XXXX XXXX. 

I purchased a business services program that was explicitly marketed and sold with a performance-based refund guarantee. The guarantee stated that if certain results or milestones were not achieved, I would be entitled to a refund. Despite fully participating in the program, documenting my efforts, and formally requesting a refund under the stated guarantee, the merchant refused to honor the refund.

I filed a dispute with Bank of America for services not rendered and failure to honor a contractual guarantee. Bank of America initially opened the claim, closed it, reopened it multiple times, and ultimately closed it again stating that they were unable to confirm that I was supposed to receive something different than what I received. 

This conclusion is incorrect and reflects a failure to properly investigate the dispute. The issue was not whether I received something, but whether the merchant fulfilled the advertised and contractually promised results and refund guarantee. Bank of America applied a goods-based or receipt-based standard to a services contract that included performance claims and refund terms. 

Bank of America did not adequately evaluate : The written refund guarantee The merchants marketing representations The failure to deliver promised outcomes The merchants refusal to honor its own guarantee Instead, Bank of America improperly required proof that I received something different than what I purchased, which is not the correct standard for a services-not-rendered or breach-of-guarantee dispute. 

As a result, Bank of America closed my claim without properly addressing the substance of the dispute, leaving me financially harmed despite clear documentation and good-faith efforts. 

I am requesting that the CFPB require Bank of America to conduct a proper senior-level review of this dispute under the correct legal and regulatory standards applicable to services contracts and refund guarantees.

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 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding unauthorized electronic fund transfers from my account with Current XXXX XXXX XXXX ( the Current app ). 

Two electronic transfers in the amounts of {$450.00} and {$2000.00}, totaling {$2500.00}, were made from my account without my authorization. I did not initiate, approve, or benefit from these transactions.

Upon discovering the transfers, I reported them promptly to Current and fully cooperated with their investigation. I also filed a police report, which I am attaching in support of my claim.

Despite this, Current denied both my original dispute and subsequent appeal. Current has not provided documentation or evidence demonstrating that these transfers were authorized by me. Under Regulation E ( 12 CFR 1005.11 ), the burden of proof rests with the financial institution to show that an electronic fund transfer was authorized. To date, Current has failed to meet this requirement.

Additionally, Current has not provided adequate written findings, investigation documentation, or proof of authorization as required under Regulation E.

I am requesting the CFPBs assistance in requiring Current to : Reopen the investigation into these unauthorized transfers Provide all evidence relied upon to deny my claim Comply fully with Regulation E Re-credit the unauthorized funds totaling {$2500.00} Attached are copies of my police report, transaction details, and correspondence with Current related to this matter.

Thank you for your time and assistance. I respectfully request your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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 am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am submitting this complaint to request a review of Bank of Americas decision to close my credit card account. 

In late XXXX of this year, I received an email from Bank of America informing me that my credit card account would be closed as of that date. The account had a XXXX balance, was in good standing, and had been used only occasionally for emergencies. There were no late payments or negative account activity. 

At approximately the same time, I was approved for a XXXX credit card and a home loan, suggesting that my overall credit profile remained satisfactory. For this reason, I am seeking clarification regarding the basis for Bank of Americas decision. 

The banks notice indicated that I would receive a written explanation within ten business days. The explanation I received was brief and did not provide a detailed reason for the account closure. 

Because I previously filed complaints with the Consumer Financial Protection Bureau regarding Bank of America, I would like the CFPB to review this matter to ensure the account closure was handled appropriately and in accordance with applicable regulations.

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 2025-12-21 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: WI

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : FORMAL CREDIT REPORT DISPUTE & LEGAL DEMAND FOR PERMANENT DELETION Equifax Report Date : XX/XX/XXXX To Whom It May Concern : This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., demanding the immediate reinvestigation and permanent deletion of the following inaccurate, unverifiable, and misleading entries from my Equifax credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Secured Installment Loan Opened : XX/XX/XXXX Account : XXXX Status : Paid and Closed/ Pays As Agreed This account is reported with incomplete and unverifiable informationincluding missing creditor classification data and closure details. Reporting an account as paid and closed but maintaining outdated or partial data is misleading and fails to meet the maximum possible accuracy standard required under 15 U.S.C. 1681e ( b ).

Pursuant to 1681i ( a ), Equifax must conduct a reasonable reinvestigation of all disputed information. If the furnisher can not verify every element with original source documentation, the account must be permanently deleted from my file. 
XXXX XXXX XXXX Account Type : Secured Installment Loan Opened : XX/XX/XXXX Account : XXXX Status : Paid and Closed/ Pays As Agreed This account is reported with incomplete and unverifiable informationincluding missing creditor classification data and closure details. Reporting an account as paid and closed but maintaining outdated or partial data is misleading and fails to meet the maximum possible accuracy standard required under 15 U.S.C. 1681e ( b ).

Pursuant to 1681i ( a ), Equifax must conduct a reasonable reinvestigation of all disputed information. If the furnisher can not verify every element with original source documentation, the account must be permanently deleted from my file. 
Legal Demand for Action In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I hereby demand that Equifax : 1. Delete all disputed items that can not be verified in full within 30 days.

2. Provide written confirmation of deletions and an updated credit report upon completion of your reinvestigation.

3. Retain copies of all documentation used to verify each item for my review. 
Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXXXXXX XXXX XXXX XXXXXXXX XXXX, as well as potential legal action for damages under 1681n and 1681o of the FCRA.

Please note this dispute is made in good faith and demands strict compliance with all applicable laws. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation