vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year> I withdrew {$340.00} from a Bank Of America branch. I was assisted by a teller inside the lobby who handed me a receipt showing an available balance of {$77.00}. And the App matched this amount upon checking this morning, XX/XX/year>. But later in the day, {$40.00} went missing through a bank error or a discrepancy. I have not used my debit card for any purchases or made any new transactions.

After speaking with several customer service agents over the phone, in regards to the missing funds issue, no professional support was given for a resolve, whatsoever. I was not treated properly nor with respect. They were very rude by hanging up on me several times. I still need help with courteous treatment, and a fair outcome.

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 2025-12-04 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am honestly furious that inaccurate late payments are STILL showing on my credit report this morning. I refreshed the page several times and nothing changed. I need the documents I sent to be reviewed immediately because this situation is exhausting and I can not keep dealing with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
On Tuesday, XX/XX/year>, I experienced an unauthorized and fraudulent withdrawal from my XXXX XXXX checking account through Zelle. I discovered that an individual I previously worked with, XXXX XXXX, who uses the email XXXX, remotely accessed my computer without my permission and initiated a {$1000.00} Zelle transfer to himself. This transaction represented the entire balance of my checking account at the time. 

I had originally allowed XXXX XXXX remote access to my computer approximately eight months earlier, on XX/XX/year>, when I hired him to fix a computer virus and install antivirus software. At that time, I legitimately used Zelle to pay him for his services. I have not had any business relationship or authorized computer access with him since that date. 

On the day of the incident, XXXX XXXX, without my knowledge or consent, used XXXX Remote Desktop to access my computer, open my XXXX XXXX online banking, and send a Zelle payment to himself. I did not authorize this access or this transfer. 

I have reported this incident as fraud to Zelle and XXXX, and I have requested that the bank refund the unauthorized transaction, investigate the matter thoroughly, and secure my accounts from further unauthorized access. I am requesting the Consumer Financial Protection Bureaus assistance in ensuring that XXXX properly investigates this incident and provides appropriate remediation, including crediting my account for the full amount of the unauthorized transfer. 

Additionally, I am requesting that the actions of XXXX XXXX be formally investigated, as I believe he used previously granted computer accessgiven months earlier for legitimate technical supportto commit unauthorized remote intrusion and financial fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: I.C. System, Inc.
State: FL

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me. 
Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.

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 2025-12-04 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: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
XXXX of all I'm just finding out this company is known for denying disputes I hate I ever chose this bank XXXX but I've had money taking from my checking account I'm the only one with debit card which I why I thought it would be a easy dispute but oh no they're making this really difficult On XXXX XXXX I purchased a Domino 's pizza for me and my kid then I looked at my account and it said negative so I looked some more it was a transaction of {$430.00} taken from my account from XXXX it says debit card but I never heard of that company or there card and it says California then XXXX XXXX it was three transactions taken from my account from another California company called XXXX XXXX another debit card keep in mind I live in XXXX Alabama but the transaction where {$1500.00} $ XXXXand {$500.00} I noticed all of this when my account said something like negative {$23.00} after me ordering food so I was like wait a minute where's all my money then my account got restricted so I called went and did the dispute the only thing they approved was All the XXXX transactions why that's the only one I have no idea I have a Android but anyway I'm just trying to get my money then I see another transaction that looked like a deposit which I'm guessing was a dispute that I never made from a Wyoming XXXX company I told these people the only transaction i made was from XXXX which is literally in XXXXXXXX XXXX and I guess they think I'm lying I just want my money can you please help Christmas is literally around the corner my birthday is next week and I'm trying my best to get out this Situation I'm in before I be homeless because every couple isn't meant to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/year> I purchased 3 gift cards from XXXX XXXX using my PayPal debit card. XXXX XXXX failed to activate two of the three XXXX gift cards. I purchased 3 gift cards in the amount of : {$200.00}, {$200.00} and {$60.00} respectively. XXXX XXXX only activated one card for {$200.00} and my receipt says activation declined for the second {$200.00} card and the {$60.00} card. {$460.00} was withdrawn from my PayPal Debit Card, however PayPal says I should have checked the merchandise before leaving the store and they refuse to refund my money. This is not a buyer protection claim this is a item not received and a transaction error case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an items on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt.I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the items be removed from my credit file in accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX * * * * * * Balance Owed : XXXX XXXX-not reported in TU  XXXX XXXX XXXX * * * Balance Owed : $ XXXX not reported in TU XXXX  XXXX * * * * * * Balance Owed : $ XXXX reported in TU XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX * * * * * Balance Owed : $ XXXX reported in EQ and TU XXXX XXXX * * * * * * * Balance Owed : XXXX XXXX-not reported in TU XXXX XXXX XXXX * * * * * * * Balance Owed : $ XXXX not reported in TU XXXX XXXX XXXX XXXX * * * * * * * * * * Balance Owed : $ XXXX reported in TU XXXX XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$430.00} XXXX XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$480.00} XXXX XXXX XXXX * * * * * * * * * * Balance Owed : $ XXXX reported in EX and EQ XXXX XXXX XXXX * * * * * * * * * * Balance Owed : $ XXXX reported in EX and EQ XXXX Original Creditor : XXXX XXXX XXXX XXXX * Balance Owed : {$1400.00} XXXX Original Creditor : XXXX XXXX XXXX * * * : Balance Owed : {$1300.00} XXXX  XXXX Original Creditor : XXXX  XXXX N.A. XXXX * * * * * * * * * * Balance Owed : {$350.00} XXXX Original Creditor : XXXX XXXX XXXX * * Balance Owed : $ XXXX reported in EQ XXXX Original Creditor : XXXX XXXX XXXX XXXX * Balance Owed : $ XXXX reported in EQ and TU XXXX XXXX/2024 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/2024 XXXX XXXX/2025 XXXX XXXXXXXX/2024 XXXX XXXX/2024 XXXX XX/XX/XXXX2024 XXXX XXXX XXXX XX/XX/XXXXXXXX/2023 XXXX XXXX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding multiple inaccurate and misleading items being reported on my credit file. These errors are severely affecting my creditworthiness and causing undue financial stress. Despite my attempts to resolve these matters directly with the creditors, the inaccuracies persist. 

The specific accounts and inquiries in question are as follows : XXXX XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} Date Opened : XX/XX/XXXX Reported Late Payment I dispute the reported late payment. I have never missed a payment on this account and demand that the record be corrected immediately. 

XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$150.00} Date Opened : XX/XX/XXXX Charge Off I have no knowledge of this account. This account is being inaccurately reported as a charge-off and must be removed from my credit report. 

XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off I have no knowledge of this account. I request that this account be deleted from my credit report immediately. 

Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I dispute all of the above inquiries as unauthorized. They should not appear on my credit report, and I request their immediate removal. 

These inaccurate items violate the Fair Credit Reporting Act ( FCRA ) and are causing serious harm to my credit profile. I demand that these items be thoroughly investigated and corrected or removed without delay. I also request written confirmation once these corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to resolve these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
XXXX check unavailable. \n-MULTIPLE help requests made.\n-Account login taken away.\n-Help options unavailable and taken.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
This will be the second time I complain about this company. Continental finance company closed my account without warning earlier this year. They never refunded my annual service fee. It should have been refunded/ credited towards my balance because the account was open less than 60 days. They are in violation of the CARD ACT for charging me annual interests rates that exceed the state limit. They have also violated the fair credit reporting act, by continuing to report my account open and falsifying information to the 3 credit bureaus as true and accurate, despite disputing the information many times to the furnisher and credit bureaus. Continental finance has been found to have been violating federal consumer protection laws in the past and they are repeating the same violations 10 years later. I ask that the CFPB, launch an investigation into this matter and enforcing previous judgement orders against this card company. I plan to seek legal action for damages.

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 2025-12-04 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: TX

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized.

These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information.

To protect myself and follow the proper legal process, I filed an FTC Report ( Case No. 1XXXX ) documenting the unauthorized activity.

Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( 4 ) business days.

This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file.

Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ).

The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information.

It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated.

I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly.

However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

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 2025-12-04 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: TX

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized.

These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information.

To protect myself and follow the proper legal process, I filed an FTC Report ( Case No. 1XXXX ) documenting the unauthorized activity.

Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( 4 ) business days.

This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file.

Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ).

The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information.

It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated.

I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly.

However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

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 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
have recently reviewed a copy of my credit report and noticed that there is an account that I did not open or give anyone authorization to open up in my behalf. This account is hurting my ability to obtain credit. There are also multiple hard inquiries in which I do not recognize. These hard inquiries are also hurting my ability to obtain credit.

Accounts : Company or Organization : Date fraud began : XX/XX/year> Date that I discovered it : XX/XX/year> Total fraudulent amount : {$1100.00} Inquiries : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-04 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:
have recently reviewed a copy of my credit report and noticed that there is an account that I did not open or give anyone authorization to open up in my behalf. This account is hurting my ability to obtain credit. There are also multiple hard inquiries in which I do not recognize. These hard inquiries are also hurting my ability to obtain credit.

Accounts : Company or Organization : Date fraud began : XX/XX/year> Date that I discovered it : XX/XX/year> Total fraudulent amount : {$1100.00} Inquiries : XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Truist increased my monthly mortgage payment to {$6000.00} effective XX/XX/XXXX2025 based on a claimed escrow shortage of {$7000.00}. My 2025 property taxes ( {$21000.00} ) and homeowners insurance ( {$5400.00} ) do not support this shortage. These amounts are consistent with prior years and match Truists own projections. The shortage appears to stem from escrow posting or timing errors, not from higher bills. 

This same issue occurred in XXXX2023 and was investigated by the CFPB. In a written response dated XX/XX/XXXX 2023, Truist acknowledged that my taxes had been set up incorrectly, refunded the overage, and reduced my payment. I also contacted Truists XXXX XXXX team on XX/XX/XXXX 2025, but was redirected to a front-line channel that can not address repeat servicing errors. 

I am requesting that Truist remove the unsupported shortage, re-analyze my escrow accurately, correct my payment, and explain what controls have been implemented to prevent this from happening 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