vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, I have an account with Bank of America, and XXXX XXXX transfers were sent to my account by different people : On XX/XX/year>, an amount of {$180.00} was sent by XXXX XXXX XXXX On XX/XX/year>, an amount of {$350.00} was sent by XXXX XXXX XXXX Also on XX/XX/year>, an amount of {$1200.00} was sent by XXXX XXXX None of these amounts were deposited into my account, nor were they returned to the senders. 
Since XX/XX/XXXX, we have been opening claims with the bank, but without success. The bank keeps informing us that they are unable to return the money, etc. 
Please note that all individuals involved have accounts with Bank of America, just like I do. 
My XXXX is linked to my phone number : XXXX, and for some reason, this phone number got disconnected from my bank account around the time of the transfers. 
The people who sent the money have already filed complaints with the bank 's electronic support. XXXX XXXX even went to a branch in person. 
When I file a complaint, the bank says that the senders need to file the claim. When the senders file the complaint, they are told to speak with the recipient, which in this case is me. 
In other words, the money never reached the intended recipient ( me ), and it was not returned to the people who sent it either. 

My name is 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 2025-09-29 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: OH

Complaint narrative:
I submitted disputes regarding inaccurate accounts on my credit reports with all three credit bureaus over 30 days ago. Under the Fair Credit Reporting Act ( FCRA ), the bureaus are required to complete a reasonable investigation within 30 days and provide me with the results in writing. As of today, none of the credit bureaus have provided me with the required written investigation results. This failure to investigate and provide timely results is a violation of the FCRA, and I am requesting the CFPBs assistance in enforcing my rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: OH

Complaint narrative:
I submitted disputes regarding inaccurate accounts on my credit reports with all three credit bureaus over 30 days ago. Under the Fair Credit Reporting Act ( FCRA ), the bureaus are required to complete a reasonable investigation within 30 days and provide me with the results in writing. As of today, none of the credit bureaus have provided me with the required written investigation results. This failure to investigate and provide timely results is a violation of the FCRA, and I am requesting the CFPBs assistance in enforcing my rights under the law.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have tried disputing hard inquiries several times and I am NEVER followed up on. I am trying to get a house loan and Equifax has been nothing but terrible. It has been weeks and they still are unable to get me logged into my account. Still are not giving me any updates. I am writing to formally dispute the multiple hard inquiries that appear on my credit report in connection with a single automobile purchase. On XX/XX/year>, I applied for an auto loan at XXXX XXXX XXXX, and was approved through XXXX XXXX. As part of that process, my credit was checked by multiple lenders. While I understand that this is a common practice when shopping for the best financing terms, these inquiries should be treated as one hard inquiry under the Fair Credit Reporting Act and recognized credit scoring models.

Currently, my credit report reflects six separate hard inquiries for the same transaction, all dated within the same short time frame. These multiple listings are inaccurate and misleading, as they do not represent multiple distinct applications but rather a single transaction involving rate
shopping for an auto loan.

I respectfully request that these duplicate inquiries be removed or combined so that only one accurate inquiry is reported in connection with my auto loan application.

Please investigate this matter and provide written confirmation once it has been resolved.

Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: CO

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

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 2025-09-29 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: CO

Complaint narrative:
I sent a certified letter to Experian on XX/XX/2025 with tracking # XXXX it shows the delivery date of XX/XX/2025 at XXXX XXXX  in XXXX TX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX - {$440.00} ( ACCOUNT # XXXX ) XXXX  - {$4700.00} ( ACCOUNT # XXXX ) Experian failed to respond. I sent another letter on XX/XX/2025 which they failed to respond once 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 2025-09-29 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-29 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-29 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: OH

Complaint narrative:
I submitted disputes regarding inaccurate accounts on my credit reports with all three credit bureaus over 30 days ago. Under the Fair Credit Reporting Act ( FCRA ), the bureaus are required to complete a reasonable investigation within 30 days and provide me with the results in writing. As of today, none of the credit bureaus have provided me with the required written investigation results. This failure to investigate and provide timely results is a violation of the FCRA, and I am requesting the CFPBs assistance in enforcing my rights under the law.

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 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received an email from Capital One on XX/XX/year> indicating that my accounts would be closed due to activity inconsistent with typical account usage. I had fraud on my account. The email indicates that the accounts would remain restricted until the review of any pending claims are finished, but that a check with eligible finds in the account would be sent to the address on record while the pending claims under review. There is XXXX in my checking account, the claims equal roughly XXXX, therefor a check should have been cut for around XXXX. This has not happened. This is my lively hood, what I live off of, what I pay bills, get gas, get groceries, pay to get into my kids footballs games with. I have called daily since the XXXX asking for an update, for them to cut a check so that I can live. Capital One has not cut a check, has not been able to provide an update regarding why they have not sent me the difference of the account, after numerous attempts with speaking to their associates and their supervisors. On XX/XX/year>, I made a request for the account to be closed, despite their emails, and asked for the funds to be expedited to me, so that I can deposit to my new checking account. There has not been any action, and again, I have XXXX access to any funds. Capital One should have cut a check the day they closed the accounts, or the next business day, to allow the pending transactions to clear. They are messing with my lively hood. My ability to put food on the table as a XXXX XXXX I have borrowed what I can from family that can help me, however, this is not their fault. I should not have to wait until the claims are finalized, to get the available funds in my checking account. This is deceitful practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their " high yield interest '' savings accounts. Capital One misrepresented the account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX account. This deliberate obscurity and lack of transparency violated XXXX XXXX and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their regarding the deceptive practices related to their high yield interest '' savings accounts. Capital One misrepresented the account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered. This deliberate obscurity and lack of transparency violated XXXX XXXX and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX Account 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 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I basically sent my dad {$500.00} years ago and I noticed that this is not the same person so I contact the chain to let them know like hey its not trying to give me my money back. It went to the wrong person so Chime open up a dispute to try to get my money back. They did not give my money back because they said they see no issue here. I can try to ask the person that I sent the money to to send it back but its been going on for two years. I even show proof and receipts that Ive been asking for this person to send the money back and chime did not do anything about it. They just said oh well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NY

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. XXXXn, 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 2025-09-29 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: AZ

Complaint narrative:
I submitted a dispute to Equifax regarding inaccurate information on my credit report. In response, I received what appears to be a stall letter that failed to address the specific inaccuracies I raised. Equifax did not conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ), nor did they provide adequate documentation to support the continued reporting of the disputed items

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i recently requested a business credit card for my second small business after BANK OF AMERICA wrongfully lowered my first small business cards for no reason at all i am a XXXX plus XXXX score i have multiple great standing accounts, ive never been late i have not ever had a issue with any bank, my score has only went up and utilization only went down. i am wrongfully being denied for credit with this bank, im striving to find the reason for such prejudice?

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 2025-09-29 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: PA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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:
This letter serves as a formal complaint against TRANSUNION regarding the account listed as XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, Date Opened : XX/XX/year>, Balance : {$170.00}. The reporting of this account contains serious inaccuracies and is being maintained in violation of the Fair Credit Reporting Act ( FCRA ), U.S. Federal Law, and specific provisions under New York State consumer protection and credit reporting statutes. TRANSUNION has failed to ensure maximum possible accuracy, as required under FCRA 1681e ( b ), and has continued publishing this derogatory information despite clear disputes, constituting negligent and willful noncompliance under FCRA XXXX. 
Furthermore, under New York General Business Law 380, consumer reporting agencies are prohibited from maintaining and furnishing inaccurate, incomplete, or unverifiable information. TRANSUNIONs actions directly violate these state protections by allowing an account with questionable ownership, incomplete verification, and unverifiable balance data to remain in my file. In addition, the failure to provide proper reinvestigation procedures under FCRA 611 and to block erroneous or disputed information violates both state and federal mandates designed to protect New York residents from unfair credit harm.

The continued reporting of this account has caused measurable damage, including the lowering of my creditworthiness, financial loss, and reputational injury. TRANSUNIONs refusal or neglect to correct and delete this information after disputes constitutes a breach of its obligations under U.S. Federal Law, the FCRA, and New York consumer protection statutes. I am demanding immediate removal of this account from my credit file, along with written confirmation of deletion, to bring TRANSUNION into full compliance with applicable state and federal law.

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 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
I have gone through filing Missouri AG complaints, FTC complaints, a XXXX XXXX XXXX Fraud Complain Form to obtain a police report, as well as, making multiple phone calls, sending multiple faxes, emailing multiple letters and physically mailing multiple letters.

I experienced fraud on my credit account, which I reported when I identified it through the above various methods. The company determined it was not fraud, but has provided me no evidence or explanation. Every time I try to re-open the case, Im told I need to provide new evidence, but no one can tell me outside of what Ive already provided what I need to provide.

In retaliation of reporting the fraud, the company, to protect themselves closed my account claiming I poised too great a risk for the company.

This has impacted my use of XXXXXXXX XXXX Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

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