vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
We demand immediate deletion or correction of all disputed accounts. These items are inaccurate, unverifiable, and incomplete, and their continued reporting causes direct financial injury and ongoing harm to the consumer. Furnishers must comply with FCRA and FDCPA without delay or face regulatoryenforcement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and uncorrected information appearing on my credit report, despite multiple disputes submitted to the credit reporting agencies. The accounts in question are as follows : XXXX XXXX Bank Account opened XX/XX/XXXX, with a reported balance of {$15000.00}. This account is inaccurately reporting late payments, which should reflect a {$0.00} balance and no delinquencies. 

XXXX Bank Account opened XX/XX/XXXX, with a reported balance of {$2100.00}. This account should have been removed entirely from my credit report, as I have disputed it multiple times without resolution. 

I have made several formal disputes through the appropriate credit reporting channels ; however, the inaccurate information remains. This failure to correct or remove the disputed data constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies and furnishers of information must investigate disputed entries and delete or correct any information that can not be verified as accurate.

The continued reporting of these erroneous accounts has caused measurable harm to my credit standing and financial opportunities. I am therefore requesting immediate investigation and deletion or correction of these inaccurate items from all credit reporting agencies. 

If this matter is not promptly resolved, I will consider pursuing further remedies, including formal regulatory escalation and potential legal action for failure to comply with the FCRAs accuracy and reinvestigation requirements. 

Thank you for your prompt attention to this matter. I expect a full written response and confirmation of corrective action within the timeframe established under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
New Complaint : Bank of America XXXX XXXX XXXX and Fraudulent Denial Product : Bank account or services Issue : Systemic claims handling malpractice and issuing denial without evidence review. 

Company : Bank of America Claim ID : XXXX Desired Resolution : Immediate reinstatement of {$970.00} and a formal audit of the claims process. 

This is a formal complaint against Bank of America ( BofA ) for the improper, negligent, and pre-determined denial of my fraud claim ( ID XXXX ) for {$970.00}. 

The basis of BofA 's denial is a lie : they relied solely on documentation from XXXX which falsely claims I was " in possession of and/or using the merchandise '' ( domains ). I have conclusive, written proof from the merchant, XXXX, that the funds were clawed back by XXXX and the domains were CANCELLED and never delivered to me. 

Evidence of BofA 's Systemic Claims Negligence ( Why the denial is fraudulent ) : Denial Issued Before Review : The formal denial letter BofA issued is dated XX/XX/year> ( yesterday ). Today, XX/XX/year>, I communicated with my assigned Resolution XXXX ( XXXX XXXX ) and immediately emailed him the conclusive XXXX proof. The decision to deny the claim was made before BofA could possibly have reviewed the critical evidence submitted to their designated contact today. This proves the decision was pre-determined and issued without any good-faith investigation. Admitted Document Mismanagement : This fraudulent denial follows BofA 's previous internal error where a representative admitted my initial documentation ( faxed on XX/XX/XXXX ) was misplaced and/or filed with an " old claim, '' requiring me to submit it again. This demonstrates a persistent, systemic failure in their claims processing. Severity of Hardship : BofA 's action of issuing a pre-determined denial based on faulty evidence has caused severe financial hardship and emotional distress, particularly as a XXXX consumer fighting for the money needed for my projects, XXXX and XXXX. 

I demand the CFPB compel Bank of America to : Reinstate the {$970.00} provisional credit permanently. Conduct a formal, immediate internal audit of the Claims Resolution Process ( Claim ID XXXX ) to address the admitted misfiling and the practice of issuing denial letters before reviewing submitted evidence.

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 2025-10-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Tx. XXXX XX/XX/XXXX DOB : XX/XX/XXXX SSN : XXXX Equifax XXXX. XXXX XXXX Atlantan, GA XXXX Subject : Request for Verification and Removal of Unauthorized Inquiries To Whom It May Concern : I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute several inquiries listed on my credit report which I do not recognize or authorize. 

The following companies made inquiries without my consent : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax I request, pursuant to Sections 604, 609, 611, and 607 ( b ) of the FCRA : 1. Documented verification of the permissible purpose for each inquiry.

2. A copy of any signed contract or authorization for each listed inquiry.

3. Immediate removal of any inquiries that can not be verified in accordance with the law.

Attached are my identification and proof of address.

Thank you for your prompt attention to this matter. I expect a response within 30 days as required by the FCRA.

I certify that I am the one conducting this dispute and NOT a third party. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Ive been making minimum payments on my Citi account. I tried to turn off automatic payments that were set to pay the full balance of my credit card. However, each time a payment went through, it was unauthorized by me. I had only authorized specific payments and the minimum amounts, through the Citi app. 

Recently, I discovered that my account had been automatically closed by Citi due to these automatic payments. This closure also resulted in forfeiting all of my rewards and left me without a way to manage or pay my account online. 

At no point was my account delinquent. The issue arose solely because of unauthorized automatic full payments, which ultimately caused Citi to close my account. 

Citi was unable to offer any help. They could not stop the automatic payments through their system, and when I finally reached a representative by phone, I was told it was too late to fix and that I am responsible for the consequences. 

This experience has been extremely frustrating and disappointing, especially considering I was trying to manage my account responsibly.

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 2025-10-31 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: NC

Complaint narrative:
XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/year>, Balance : {$790.00} Late Payment Accounts : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I made a {$500.00} payment to my Citi credit card from my XXXX XXXX XXXXXXXX savings account. The funds were withdrawn from my bank the same day, but Citi did not apply the payment to my available credit. 

I called Citi on XX/XX/year>, around XXXXXXXX XXXX CST. The representative said my funds were being held until XX/XX/year>, because this was the first payment from a new bank account. I was told Citi could release the hold early if my bank verbally confirmed that the payment cleared. A supervisor helped call XXXX XXXX XXXXXXXX, which verified that the funds were available and the payment would clear at midnight. The supervisor instructed me to call back the next day for a follow-up verification so the hold could be lifted. 

When I called back on XX/XX/year>, I was told my account was no longer eligible for that process and that I must wait until XX/XX/XXXX. I was also incorrectly told my payment was returned, which XXXX XXXX XXXXXXXX confirmed was false. The manager ultimately said the system no longer has the option to release my available credit and called it a system mystery. 

My funds were successfully withdrawn from my bank, yet Citi is holding the credit for 10 days with no valid explanation. This appears to be a system or process error, and I was provided conflicting and misleading information by multiple representatives. The senior manager was dismissive and condescending, and I believe I was treated unfairly and possibly discriminated against due to my ethnic last name. 

I am requesting that Citi : -Explain why my payment is being held until XX/XX/year>, despite clearing my bank on XX/XX/XXXX ; -Correct their records to show the payment was never returned ; and -Release my available credit immediately.

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 2025-10-31 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to follow up on my previous dispute regarding unauthorized hard inquiries that continue to appear on my Experian and Equifax credit reports, despite multiple requests for investigation and removal. It is unacceptable that this matter remains unresolved, especially since XXXX  has already deleted similar inquiries in response to my earlier disputes. 

The following inquiries were not authorized by me and were made without my knowledge or consent. I have not applied for any credit, financing, or initiated any transaction that would warrant such access to my credit file.

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 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Today XX/XX/year> i deposited a check issued by XXXX XXXX Bank the amount of {$3500.00} to my BMO Bank checking account # XXXX using their Application. Few minutes after my deposit i received an email from BMO Bank that instead of my funds be available in XXXX hours, BMO Bank will hold my funds Indefently without explanation. This is the Worst kind of XXXX. I demand that you Investigate this XXXX Bank doing business Immediately, file Criminal charges and demand Punitive Damages. BMO Bank has created many problems to me since they acquired Back of the XXXX. Any BMO customer i asked they admited that they have many problems with them as well. It seems that BMO Bank don't obey American Laws. Several times that i called their Poor English speaking & Trained, Hostile customer service couldn't Verify my account with the Accurate information that i provided to them, as always.

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 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Loan paid in full and confirmed by bank on XX/XX/year>. They had originally filed an electronic lien on the title. It took them until XX/XX/year> - 13 days after payoff to release the lien. On XX/XX/year> I went to DMV to process transfer of ownership for the car only to be told the bank had NOT released the lien. DMV could not accept their letter indicating the lien was satisfied, but said only the bank could release it because it was electronic. I called the bank - and was transferred to 3 people, the last required I leave a message for them to call back. They did not return the call after 3 hours, so I checked online to confirm the lien was still not released and then called again. The customer service rep asked me to hold so they could check something. 10 minutes later they just hung up on me. I called a third time and asked to speak with a supervisor. They told me they would follow up but that it would take another 2 business days- on an ELECTRONIC title! That will be 19 days from when I paid them in full. Im stuck with no way to transfer ownership. They should not need or be permitted to take that long to complete an electronic transaction. They are quick enough to initiate a lien but take their sweet time releasing it!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year> I received a Citi credit card I did not open or apply for. I called Citi on XX/XX/year>. The XXXX asked for card number so I keyed it in and the XXXX said there is a balance of {$900.00} on the account. I spoke with " XXXX '' in " fraud department '' and told her I did not request the card, nor did I charge {$900.00} on the card. She told me the card would be closed and I " don't need to pay anything. '' On XX/XX/year> I received an alert from Experian that a new card had been added to my credit report. The card added was the Citi card with a {$900.00} balance. I called Experian and they advised me to file a fraud report with the FTC, but the FTC website said it is not taking complaints during the government shutdown. 

I want Citi to remove the card from my credit file and send me proof that the card is closed, acknowledge that I am not responsible for the account balance, and that the card is removed from my credit file.

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 2025-10-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am disputing the reporting of late payment ( XXXX ) tied to an account that has been closed for some time. After the account was closed, I noticed that derogatory informationspecifically late paymentscontinued to appear on my credit report. This raised immediate concern, as I had fulfilled the account terms, and no new activity should have been reported after closure. 
To resolve this, I submitted several disputes directly to the credit bureaus and the original creditor, asking for a proper review and supporting documentation of the alleged delinquencies. However, instead of receiving concrete evidence or a detailed account history, I was met with generic responses that did not clarify or justify the reporting. 
It is my understanding that once an account is closed, reporting must reflect the final and accurate status as of the date of closure, in accordance with XXXX XXXX data furnishing standards and the Fair Credit Reporting Act ( FCRA ). Continuing to report late payments after the account has been settled or closedespecially without verificationmisrepresents my credit behavior and damages my financial standing.

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 2025-10-31 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:
I am writing to formally dispute several items on my credit report, as I believe they have been inaccurately reported and violate provisions of the Fair Credit Reporting Act ( FCRA ). I respectfully request that you thoroughly investigate these items and make the necessary corrections, deletions, or updates as required by law. 
TransUnion : XXXX. Account XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Status XXXX XXXX  XXXX  Balance : {$1800.00} o Date Opened XXXX XXXX XXXX  Issue : This account is listed incorrectly, with a reported balance and past due status. It needs correction. 
o FCRA Violation : Inaccurate reporting under XXXX ( b ). 
XXXX. Account : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Status : Collection/Chargeoff XXXX  Balance : {$220.00} o Date Opened : XX/XX/XXXX o Issue : The account is reported with an incorrect balance and late payment status. I dispute these discrepancies. 
o FCRA Violation : Inaccurate payment history under 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ). 
XXXX. Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Status : Repossession XXXX  Balance : {$8700.00} XXXX  Date Opened : XX/XX/XXXX o Issue : The repossession and balance reported are inaccurate and should be investigated for correction. 
XXXX  FCRA Violation : Failure to report accurate status under XXXX ( b ). 
XXXX. Account : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Status XXXX Collection/Chargeoff XXXX  Balance : {$970.00} XXXX  Date Opened XXXX XXXX XXXX  Issue : I dispute this collection account. It was not reported correctly, and I request verification. 
XXXX  FCRA Violation : Failure to verify the account and update the dispute status under 1681i ( a ) ( 1 ) ( A ). 
Data Breach Concerns : I request that you investigate these accounts to ensure that no fraudulent activity has taken place and that these accounts were not the result of identity theft or a data breach. If any of these accounts were opened as a result of a data breach, please immediately remove them and correct any related 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 non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: IL

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

Company response to consumer: Closed with explanation