vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX XXXX, I was the victim of a scam and unknowingly wired {$9200.00} from my Bank of America account to an account at XXXX. ( I answered a call from an bank of America number & thought a BOA employee was walking me through steps to secure my account ) I realized the mistake immediately after I hung up the phone and called Bank of America within minutes, but I was placed on hold for over an hour before reaching anyone. After finally speaking to a representative, I was transferred multiple times, and it took nearly two hours total before any action could be taken. 

During this time, I also called XXXX directly from another phone, urgently requesting that they freeze the receiving account, ( which was confirmed by them and they confirmed flagging the account ). I also filed a police report the same day immediately after. Despite these efforts, the funds were released to the scammer. 

Over a month later, I was told that the claim was denied because the receiving party declined the return, yet no proof or documentation was provided. I got a letter in the mail simply stating " the attempt to recover funds was not successful. We now consider this inquiry closed. '' I still have no clear answers as to which bank mishandled the case or how the criminal was able to access the funds after both banks were alerted immediately. If the scammer truly provided proof to claim the funds, that would constitute additional fraud, yet there appears to have been no follow-up investigation or effort to pursue accountability. 

After decades as a Bank of America customer, this experience has left me deeply unsettled. The lack of urgency, communication, and clarity throughout this process has destroyed my sense of security with the bank. Somewhere between Bank of America and XXXX, a ball was dropped, and as a result, a criminal was able to walk away with {$9200.00} of my money. 

I am asking for a thorough review of how this case was handled and for both banks to provide transparent documentation showing what actions were taken, when, and by whom. I am also requesting confirmation of whether the receiving funds were ever frozen and an explanation for how and why they were released.

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 2025-10-15 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: CA

Complaint narrative:
This complaint concerns multiple accounts on my credit report that contain material inaccuracies and do not meet the standard of maximum possible accuracy. These persistent errors have damaged my credit, undermined my financial stability, and caused ongoing stress. I need a clear explanation of why these accounts are being reported, which furnishers supplied the information, and what documentation, if any, supports their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: AL

Complaint narrative:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, LLC ( 2d Cir. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture v. Kirtz ( U.S. XXXX ) held no entity is immune from FCRA liability ; and Norman v. TransUnion, LLC ( E.D. Pa. XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
I have removed this from my Credit profile before and now they put it back on using a different credit agency. This is a violation of my personal credit. I did not allow anyone to use or sell my data. This is not mine at all. Never was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-10-15 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: TX

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-10-15 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: OK

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have submitted a request in XX/XX/XXXX to Navy Federal Credit Union and XXXX XXXX XXXX for proof of ownership of the account, a copy of the original signed agreement ( wet signature ), a complete itemized transaction history from the date of account opening to the date of closure, and documentation showing any transfer, sale or assignment of the debt ( including bill of sale ). To date NFCU/XXXX XXXX XXXX has failed to provide these mandatory documents. They only sent partial statements, in which statements do not constitute valid proof of ownership, debt obligation, or legal standing. This account was reported as Fraud to FTC and was closed and charged off by NFCU as a loss on my credit report in XXXX and now they have me in court asking for a final judgement. No IRS form 1099-C has been issued to me in accordance with 26 USC 6050P and this account has been reported as fraudulent via the Federal Trade Commission ( FTC ) and NFCU was notified of this fraud and data breach XX/XX/XXXX. I have also sent NFCU a Cease and Desist letter. The collection efforts persisted in violation of FDCPA 1692g ( b ) and NFCU/XXXX XXXX XXXX has failed to comply with statute 1692 by pursuing litigation for {$13000.00}, attorneys ' fees and costs without providing the requested documentation. These actions also violate 15 USC 1681c-2 which grants me the right to block reporting of information resulting from identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AL

Complaint narrative:
This complaint is also my official request for debt validation to Jefferson Capital Systems. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance. 
By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect Jefferson Capital Systems to provide complete validation. 
To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to Jefferson Capital Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 FRAUDULENT INQUIRIES : 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 2025-10-15 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-10-15 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: NY

Complaint narrative:
I am writing to dispute the inaccurate information on my credit report acquired by TransUnion. This letter is for the purpose to invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15USC XXXXi, which obligates you to provide me with the procedures you used to verify the information on my credit report. 
If you can not verify the accuracy of the disputed items, they must be deleted from my credit report right away. 
Additionally, under the Gramm-Leach-Bliley Act ( 15 USC XXXX ) I have an essential right to privacy regarding my financial information. Also. 15 USC XXXX ( XXXX ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information. 
No permissible purpose, as shown in 15 USC XXXX ( XXXX ), has been established for TransUnion to maintain a credit report on my behalf. TransUnion has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information. The absence of such permissible purpose makes the presence of this information a violation of my privacy rights. 
Additionally, XXXX XXXX XXXX addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime. 
The unauthorized acquisition and use of my personal information is a criminal act and violates principles of privacy and consumer protection. 
Under 15 USC XXXX, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I expect TransUnion to take all necessary action to correct and block this information as ordered by law. 
l from now on request a formal investigation into my dispute and the removal of any incorrect information from TransUnion 's records if it is determined that no permissible purpose exists for maintaining this information. I expect TransUnion to comply with the FCRA, XXXX XXXX XXXX, and 15 USC XXXX to fix any issues related to identity theft. 
Please provide me with a written response to this dispute withinXX/XX/XXXXdays, with detail on any action taken to correct the inaccuracies on my credit report, along with the results of your investigation, If my report is not corrected or removed in accordance with the law, I will take legal 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 non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
up calling due to not getting one and let the rep know I never got it, which they ended up blaming the post office however if it was a certified letter they sent me they should have gotten notice from the post office of failure to deliver, which they didnt and they didnt confirm they received a deliver notification either so I believe it was never sent. They charged me XXXX dollars for failure to turn in the key in a timely manner to the repossesser however I never got notice of the repossession to even have the opportunity to do that. The rep I spoke with initially agreed with me and was very emphatic to my situation. She stated she was going to ask for a waiver of these extra fees giving me an actual real chance to redeem my vehicle by paying what was fair. She spoke with her supervisor and returned to the line like a completely different person and told me x y and z why none of that matters anymore and all these fees were sticking. As of today I owe around XXXX however they have added fees in the amount of around XXXX which I think is beyond reasonable or fair and it makes it impossible for anyone to actually get caught up and pay what they owe and be able to make future payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed an inaccurate account with Experian multiple times, but they continue to allow false information from XXXX XXXX XXXX to remain on my credit report. The original debt was with XXXX XXXX, who already removed the account. XXXX XXXX XXXX, a third-party debt buyer, added the account back without validating it. I have never received any documentation or debt validation from XXXX, and the amount they are reporting ( {$710.00} ) is incorrect. The original credit limit was only {$300.00}. 
Despite my disputes, Experian continues to verify this unvalidated and inaccurate information.They are not following their obligation under the Fair Credit Reporting Act ( FCRA ) to ensure accuracy and properly investigate disputes. 
I am requesting that this account be permanently removed and Experian be held accountable for failing to remove false and harmful data.

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 2025-10-15 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: PA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: PA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit 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 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Around XX/XX/year> I received a direct deposit of {$10000.00} for a salary payment from my company. 

HSBC deposited these funds into my checking account and I proceeded to initiate a transfer to my regular checking account to open my cash flow to pay bills.

HSBC proceeded to suspend my online access with over {$100000.00} in equity and reverted the {$9900.00} fund transfer back to my checking account and placed my account in review.

I contacted HSBC over the phone and spoke with the fraud department who assured me that the account would be reviewed and reinstated within 24 to 48 hours.

The next week, I called back because my account was not reinstated and I was again assured it would be resolved within 24 to 48 hours. After 48 hours, I called back and was given no guidance for a resolution time. 

This is unacceptable and I require ample compensation for my troubles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: KY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit 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