vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
A few weeks ago I reviewed my credit report and discovered several accounts and hard inquiries that I never authorized. There is no document proving that I ever gave permission for these entities to access my information or report anything on my file. 
When I saw this, I became concerned because it had already affected me without my knowledge. I was denied a loan I needed, and on another financing I received a higher interest rate than I should have. I was being harmed by this situation. 
I did what the law requires I filed a report with the FTC and submitted it directly to the credit bureau. Under FCRA 605B, when a consumer submits that report, the bureau has XXXX business days to block the disputed information, unless it can prove with actual documentation that the consumer authorized those accounts. In my case, that proof does not exist, because I never authorized anything. 
Despite completing the entire process, the information is still appearing on my report. The bureau has not shown me any evidence that I authorized those accounts or inquiries. 
Furthermore, FCRA 604 is clear : no one can access my credit history without a permissible purpose. These inquiries were made without my consent and without any legitimate business relationship with me.

And FCRA 607 ( b ) requires bureaus to maintain reasonable procedures to ensure that information is accurate. The fact that they continue to report accounts and inquiries with no documentary support shows that those procedures are not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action.

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 2025-12-18 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: FL

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
I am a victim of identity theft. I never authorized the inquiries thats on 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 2025-12-18 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: FL

Complaint narrative:
I am a victim of identity theft. I never authorized the inquiries thats on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 163XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: SC

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
On XX/XX/year> at XXXX the company called me at my place of employment on the company landline phone. 

They called from XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
I am writing to formally dispute and request correction of inaccurate information being reported on my Experian credit report regarding the following account : Creditor : Department of Education / XXXX  Date Opened : XX/XX/XXXX My Experian credit report dated XX/XX/XXXX reflects this account as 90 days past due as of XX/XX/XXXX. This delinquency designation is inaccurate and does not align with the accounts documented reporting history. 

Specifically : The account history reflects multiple consecutive months marked as XXXX throughout XXXX, indicating the account was reported as current and in good standing. 

The payment history does not reflect a consistent or verified progression of missed payments that would support a 90-day delinquency.

The balance history repeatedly shows No data for payment received, while simultaneously reporting the account as current for prior months, creating a clear inconsistency in reporting.

Because the reported delinquency is not supported by accurate, complete, and consistent payment data, the current reporting does not comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

I am requesting that Experian complete a reinvestigation and, based on verification with the furnisher, update this account to reflect its accurate status as Current / Paid as Agreed, or remove any delinquency indicators that can not be fully verified.

I have enclosed screenshots from my Experian report highlighting these inconsistencies for your review. Please provide written confirmation of the results of your investigation and the corrective action taken.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am filing this complaint regarding an unresolved international wire transfer initiated from my Bank of America account. 

On XX/XX/year>, I initiated an international wire transfer in the amount of XXXX ( approximately {$1900.00} USD ) from my Bank of America account, intended for XXXX XXXX XXXX 

Bank of America has confirmed that this wire was rejected due to incorrect beneficiary details. The misdirected wire was received by XXXX XXXX, XXXX, in favor of XXXX XXXX XXXX, which was not the intended recipient. The intended beneficiary has confirmed in writing that no funds were received. 

Bank of America internally generated a wire investigation referencing XXXX, case number XXXX  XXXX including the following instruction to their Investigation Team : Please urgently recall the above-mentioned payment order. As XXXX XXXX, XXXX has not received funds. If unable to recall funds or obtain debit authority, please provide confirmation of credit to include date, amount, and financial credit reference. Please confirm your action taken regards XXXX XXXX investigations. 

Despite multiple escalations to Bank of Americas Wire Operations/ International Payments Resolution Team over more than 30 days, this matter remains unresolved. Secure messaging and written correspondence were only initiated after repeated requests. No confirmation of the current location of funds, credit reference, or reconciliation has been provided. 

A rejected international wire transfer should be reconciled and returned within a reasonable timeframe. The prolonged delay, lack of transparency, and failure to reconcile returned funds constitute a service failure and have caused financial harm. 

I have been a Bank of America customer for over XXXX  years, and I am requesting regulatory assistance to require Bank of America to either : Return the rejected wire funds immediately to my account, or Provide written documentation identifying the exact location, status, and reconciliation timeline for the funds. 

I am seeking prompt resolution and return of my funds. 

Sincerely, 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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccurate and fraudulent items on my credit report, which I have identified as the result of identity theft. As a victim of identity theft, I assert that these charges were not authorized by me and are being reported in clear violation of the Fair Credit Reporting Act ( FCRA ). these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: KS

Complaint narrative:
On XXXX XXXX, XXXX, my debit card was charged {$250.00} for an XXXX XXXX from XXXX by XXXX. I received the XXXX and changed my mind and decided to return the device. The device was returned and received by XXXX by XXXX 's warehouse on XXXX, XXXX  at XXXX as mentioned via the tracking number provided by the return slip that came with the device. As of today, XXXX XXXX, XXXX, I have not received a refund for this purchase. I've called and spoke with numerous XXXX by XXXX representatives for updates and resolutions to getting a refund. I've provided Cash App with recordings of two representatives advising me to contact my bank and let them know this transaction was unauthorized in an attempt to recover my funds back. The message that has been consistent with all of the representative was that I needed to wait for someone from their order support team to email me regarding updates on the refund request. XXXX and XXXX from XXXX by XXXX XXXX XXXX support team has stated that in multiple emails since XXXX XXXX, XXXX that the device I returned was undergoing the validation process. They have not provided a logical reason for what would cause the validation process to take over 15 business days to complete. I've also included every email that I've received from representatives that mentions estimate refund dates of when I should expect to receive a refund. I've provided Cash App with every proof that I could get to prove that I am entitled to a refund of this purchase and XXXX by XXXX is significantly delaying this refund due to negligence. Please help me get a chargeback from the transaction that occurred on XXXX XXXX, XXXX  for the amount of {$250.00} to XXXX by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A renter filed a fraud claim against my account through their banks, but called back to clear it up saying it was a mistake. My bank called me and said that I had received a fraudulent wire which I provided a name and phone number for them to call the person to verify it with. I had also asked if I can submit the lease document to them to show it was legitimate and not fraudulent, to which they said no. They maintained that they are closing the account which I tried to appeal with them but to no avail.

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 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: NY

Complaint narrative:
Requested paper billing be mailed monthly and was told they had no way to fullfill my request by both lien holder carvana and the loan managing company bridgequest both requests were made by text message and verbally on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: OH

Complaint narrative:
Its probably a scam, however Ive received multiple text messages stating they are from Unifin a debt collector the number the text comes from is different than the number Im asked to call. Each text has different numbers including different reference numbers. The most recent one was today at XXXX from XXXX ( XXXX ) XXXX XXXX asking I call ( XXXX ) XXXX XXXX. The one prior was XXXX  XXXX from XXXX ( XXXX ) XXXX XXXX. I do not have any delinquent accounts with any company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XX/XX/year> I received 2 phone calls in a phishing attempt. Perpetrators impersonated Chase bank, reporting a fraud attempt. XXXX and XXXX were the phone XXXX XXXX  They tried to sell me FDIC insurance, and attempted to gather my checking account balance. I gave them no information. 

I asked what account XXXX  was targeted and then another individual called me. I grew suspicious when they asked for my checking balance and ended the call. I then called Chase bank directly to report this. 

No money was lost. I just want those phone numbers investigated. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Local Data Recovery, LLC
State: KY

Complaint narrative:
I made a payment XX/XX/year> to Local Data Recovery LLC. I paid a debt for a settled amount and in full for that amount. I was originally sent one form after my payment but never sent all documentation for paid-in-full. I have called back the company to get this documentation and they say they will email it within an hour but never do. I now am getting calls from other companies stating I never settled or paid anything but I have but can not get proof because no one will send it to me.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
I HAVE SUBMITTED THE INFORMATION SEVERAL TIMES AND THE ACCOUNT IS STILL ON MY CREDIT REPORT NOT VERIFIED OR HAS NOT BEEN SENT FOR VERIFICATION FROM THE CREDITOR OR THE CFPB NEVER SENT INFORMATION TO THE CREDIT OR SUBMITTED A DISPUTE THEY JUST CLOSED MY COMPLAINT

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 2025-12-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/XXXX I attempted to log onto my CapitalOne account to move $ from one of my XXXX accounts with them to pay my credit card with them,. I was denied access & told to call. I did. After XXXX minutes they said the problem was fixed & to retry on XX/XX/XXXX to make the payment.The same thing happened on XX/XX/XXXX. I was on the phone with 10 different representatives for XXXXXXXX XXXX XXXX. It was apparent that somone elses name was put on my account. Was told new account # XXXX and routing would be created $ to ck back in 10 days. However, on XX/XX/XXXX I rec 'd an E-mail addressed to XXXX XXXX. I called on XX/XX/XXXX because it was apparent that the problem from all the? they had ask me that They had assigned XXXX to my account. ( I have never heard of her ) I was on the phone for XXXX with 6 reps until the last one purposily disconnected.They had asked me for a call back # earlier but did not call back. I have no access to XXXX saving & XXXX checking accounts totaling about XXXX XXXX $ and was unable to make my credit card payment, so now will have late charges and negative credit rating. I need money from those accounts to pay bills.

Company response to consumer: Closed with non-monetary relief