vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
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: PA

Complaint narrative:
Bank of America violated federal banking regulations by failing to provide required notices for autopay cancellation and loan delinquency, then willfully denied these violations and refused to escalate when confronted. 

Timeline and Facts : * Auto loan account became XXXX days delinquent after autopay ( Bill Pay ) was cancelled/deleted without notice. Last known auto pay email was received on XX/XX/year>. 
* Primary address in the system contains correct current address * Loan statements were incorrectly sent to previous address despite correct primary address on file * No specific notices were generated or sent for autopay cancellation ( Regulation E violation ) * No delinquency notices were generated or sent to correct address before credit reporting ( FCRA/TILA violations ) * Made required payments immediately upon discovering delinquency * Loan is almost mature. 

Company Representative Admissions : * Representative XXXXXXXX XXXX XXXX XX/XX/year> ) : Confirmed no notices generated except regular statements, confirmed statements sent to wrong address despite correct primary address in system * Representative XXXX XXXX ( XX/XX/year> ) : Confirmed no autopay cancellation or delinquency notices generated in system or sent, falsely claimed regular statements satisfy federal notification requirements Willful Regulatory Denial : When I specifically explained violations of Regulation E ( Electronic Funds Transfer Act ), FCRA ( Fair Credit Reporting Act ), and TILA ( Truth in Lending Act ), Representative XXXX willfully denied these federal regulations applied and refused to escalate to compliance department.

Violations : 1. Regulation E : No notice of automatic payment changes 2. FCRA : No proper delinquency notices before credit bureau reporting 3. TILA : Failed to send required notices to correct address on 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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Request for Removal of Inaccurate Personal Information Pursuant to FCRA Dear Equifax, I am writing to formally dispute and request the removal of all inaccurate or outdated personal information appearing on my credit file. This request is made under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires consumer reporting agencies to ensure that all information reported is accurate and verifiable. 

The only accurate and verifiable personal information that should appear in my credit file is as follows : Full Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX Any other names, aliases, addresses, or identifying information currently listed are inaccurate, outdated, and must be deleted immediately. 

Enclosed are copies of my government-issued identification, Social Security card , and proof of address for your review and verification. 

Please investigate this matter and provide me with written confirmation of the deletion results within 30 days as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Enclosures : Government ID, SSN card, Proof of Address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: VA

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX Late Date XXXXXXXX XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. 
Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-04 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:
Under USC 1681g, I request the deletion of these fraudulent accounts that do not belong to me within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax and XXXX  has failed its legal obligation under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable investigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. On XXXX XXXX XXXX  removed and deleted XXXX XXXX XXXX account- XXXX from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Conduent Incorporated
State: GA

Complaint narrative:
Did a refund with XXXX was told my funds was supposed to be dispersed XXXX said they sent the refund but it still have not posted on my account when the refund was supposed to be deposited XXXX keep saying they sent the refunds but it have not been posted on my XXXX  card my refund from XXXX was sent XX/XX/year> it is now XX/XX/XXXX still no refund cant get a live person on the phone to resolve the issue as to where the money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
My husband went to the atm at XXXX XXXX XXXXXXXX XXXX, IL on Monday XX/XX/XXXX to deposit cash inside the banks ATM and he got an error message stating the {$1700.00} didnt deposit and to call the number on the back of his debit card. He called right away and gave him a claim number but nothing has come from the claim number. We proceeded to go talk to a manager at the a XXXX XXXX IL branch on Wednesday XX/XX/XXXX and the extremely unprofessional rude costumer service lady demanded we arent allowed to talk to a manager and kicked us out of the bank. We are a family of 4 little kids just trying to make it day by day and are very upset and embarrassed how we were treated by a bank we trust to keep our money safe. 
We would just like to get our {$1700.00} back to put food on the table and keep our lights on. I dont appreciate the unappreciated respect we received. I would like if someone can help me out to put our hard earned money back into your bank account without being disrespected.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
They violated my rights as a consumer under XXXX XXXX XXXX. I need these items blocked and removed from my credit report. 

XXXX XXXX XXXX  Account number XXXX Balance {$690.00} Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX Account number XXXX Balance {$1500.00} Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Balance {$0.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Account number XXXX Balance {$550.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$720.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Account number XXXX Balance {$380.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX Balance {$1100.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$160.00} Date opened 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 explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally demand immediate resolution regarding a failed XXXX transaction in the amount of {$2000.00} initiated on XX/XX/year> from my wife 's account ( XXXX XXXX XXXX ) at XXXX XXXX XXXX  to my CLOSED ACCOUNT [ XXXX XXXX XXXX ] at JPM Chase Bank. The transfer was directed to an account that was closed at the time of the transaction. As a result, the funds were not received by the intended recipient, nor have they been returned to XXXX XXXX XXXX XXXXXXXX XXXX  account. 

Despite multiple inquiries to both institutions, each has denied responsibility and claimed the other is in possession of the funds. This lack of accountability is unacceptable and may constitute negligence, breach of fiduciary duty, and unjust enrichment.

I request the following actions within 10 business days of receipt of this letter : 1. A full investigation into the transaction and confirmation of the current location of the funds.

2. Immediate crediting of the transferred amount back to XXXX XXXX XXXX XXXXXXXX XXXX account at XXXX XXXXXXXX XXXX 
3. Written documentation of the XXXX XXXX and any internal findings. 

If this matter is not resolved within the stated timeframe, I will pursue all available legal remedies, including initiating a claim in small claims court. 

Please treat this matter with the urgency and seriousness it warrants. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood randomly closes my account. There was no violation or there terms of service and they closed my account for no reason. This is ridiculous and uncalled for. I need someone to step in and see what the issue is, as for the reason of my account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NV

Complaint narrative:
I am disputing inaccurate late payment reporting by XXXXXXXX XXXX XXXX XXXX  XXXX ), XXXX. on three of my credit card accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  These accounts are currently in good standing, but XXXX XXXX continues to furnish false late payments and inconsistent payment histories to Equifax, XXXX XXXX XXXX  This is damaging my creditworthiness. 

I submitted a direct dispute to XXXX XXXX requesting verification and documentation of the alleged late payments. XXXX XXXX has not provided this information and the errors remain. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information they know or should know is inaccurate. Under 15 U.S.C. 1681i ( a ), disputed information must be reasonably investigated and corrected if unverifiable. XXXX XXXX has not met these obligations. 

Requested resolution : 1. Immediate deletion of all inaccurate late payment entries from my credit reports.

2. Written confirmation that corrections have been sent to all credit bureaus.

I am requesting CFPB assistance to ensure XXXX XXXXXXXX complies with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
I was reviewing my credit report and noticed inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MI

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-04 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This is the second issue with them in 2 days. I spent several hours calling them yesterday and a different vendor to get a transaction to authorize. Same thing happening today accept its with their own affiliate. I have travel rewards and I am trying to book using their travel rewards partner to book. It would not go through. Called Citi, told I need to talk to rewards group. Called rewards group. They told me I need to talk to Citi. Citi says they wont authorize it. I need to call rewards. But if I keep trying to put it through it will cause my problems. So there is no way to resolve accept use another form of payment. It does not make sense as I am trying to use my rewards to book the travel. How can I use another form of payment with Citi rewards points. They can not explain or tell me when it will be resolved. Only kept repeating that its to prevent fraud. Talked to a supervisor who did not clearly explain the issue. I have been a customer for 46 years.

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 2025-09-04 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:
Someone added lines to my account and they did nothing ro help me now I have XXXX on my credit report that is not mine I want this erased immediately I have been a victim of id theft for 8 years it's mentally draining and then I'm being refused for any kind of credit or lian because of credit cards not mine and purchasing things opening up bank account fraudulently the list goes on victims of ID theft should not have to suffer financially

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MN

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: NV

Complaint narrative:
I am disputing inaccurate personal information being reported by the credit bureau Equifax. My credit report shows multiple addresses that are not mine and are being wrongly associated with my file : XXXX XXXX XXXX XXXX XXXX  NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX XXXXXXXX XXXX XXXX  NV XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  NV XXXX The only correct and current address for me is : XXXX XXXX XXXXXXXX XXXX NV XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( FCRA 611 ), consumer reporting agencies must ensure maximum possible accuracy of the information they report. The law also requires that any unverifiable or inaccurate information must be corrected or deleted from a consumers credit file.

I request that the CFPB investigate this matter and ensure that the credit bureau removes all inaccurate addresses and deletes any accounts or information linked to them, leaving only my correct address on record.

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