vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
After having my wallet stolen, a teller at a Bank of America branch allowed an impersonator to empty my bank account using only my stolen ID and stotel debit card ( debit card was also reported stolen to the bank and non-active ) for identification. I learned that this person had been going from branch to branch attempting this, but no notification was sent and no account alert was placed. The criminal was allowed to withdraw {$2300.00} in cash on XX/XX/XXXX. No notification was sent to me to alert that this amount of cash was withdrawn or that my balance was low. After realizing what happened, on XXXX, I immediatelly called Bank of America to submit a claim. Since then, I have called multiple times to try to get my money back and close the account so no further fraud can occur ( because despite the fraud alert on the account, numerous check fraud transactions still went through on XX/XX/XXXX ). On XX/XX/XXXX I was told by a supervisor that a provisionary credit would be issued due to the hardship caused by not having these funds. This credit never came. I called again, on XX/XX/XXXX, and was told the reason the provisionary credit hasn't come is because they need a video from the branch before they can issue credit. Since I was not even pysically in the same state that the in-person fraud occured ( I was traveling at the time ), I provided additional evidence that this was fraud by pointing out number of in-person card swipes that occured on the same day in a different state. With this new evidence, they resubmit the claim but it was denied again with no explanation provided. It has now been nearly a month and I have not been issued a credit nor provided any updates to their investigation, if there even is XXXX. 

There are open police reports regarding the buglary of my wallet along with the identity and bank fraud that has occured. I am happy to provide these case numbers if needed. 

The negligence the bank has shown by intially allowed the funds to be removed and then the lack of care and communciaion since the fraud occured is unacceptable. I would appreciate any assitance in getting these funds back so I can close my account and protect myself from future fraud at Bank of America.

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 monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  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 XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  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 TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Makes Cents, Inc. dba Advance.Cash
State: MD

Complaint narrative:
I requested a loan from Advance.Cash and was attempting to make arrangements to pay the balance in full by XX/XX/year>. When I called to request the payoff amount, I was shocked to learn that the amount due was {$1000.00}. Since XX/XX/year>, I have already made XXXX bi-weekly payments of {$150.00}, with a fifth payment scheduled to be deducted before XX/XX/year>. 

I believe this constitutes a predatory lending practice, as I have already paid nearly the original loan amount in a short period of time, yet the payoff balance remains unreasonably high.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-10-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Revolut Technologies Inc.
State: MA

Complaint narrative:
I signed up for a Revolut XXXX subscription in XX/XX/year>. At no point during signup was it made clear to me that there was a XXXX lock-in period or that I would be charged a cancellation fee if I downgraded. 

When I decided to cancel, I discovered that Revolut made the cancellation process very difficult to find in the app, delaying my ability to stop the subscription. Once I finally located the cancellation option, I was informed I owed a fee equivalent to XXXX months of subscription. 

I never would have subscribed if the lock-in and fees had been clearly disclosed. These terms were buried in fine print and were not presented clearly and conspicuously as required by U.S. law, including the Restore Online Shoppers Confidence Act ( ROSCA ).

Additionally, Revolut continued to deduct monthly fees directly from my account balance until it became negative, even after I had transferred out all funds. I paid my first subscription via XXXX XXXX and have no stored card on file, but Revolut is now threatening to recover the negative balance or escalate further, creating stress about possible collections activity and credit score impact.

Why this is deceptive/unfair : Revolut failed to provide clear, upfront disclosure of cancellation fees and lock-in periods. 

The cancellation process was designed to be confusing and burdensome. 

U.S. law requires subscription terms to be clearly disclosed and cancellation to be simple, which Revolut did not meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: AZ

Complaint narrative:
Under 15 U.S. Code 1681g, you are obliged to remove the disputed accounts within the proper timeframe.

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 2025-10-02 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: MI

Complaint narrative:
I am a victim of identity theft. Numerous fraudulent accounts and hard inquiries have been added to my credit reports without my consent, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were also made without my written authorization. 
On XX/XX/year>, I submitted an FTC Identity Theft Report ( # XXXX ) and a notarized affidavit to all three credit bureaus. I formally requested that they block and delete this information pursuant to FCRA 605B, which requires removal within 4 business days. Despite providing all required documentation, the fraudulent accounts and inquiries remain on my file.

These CRAs and furnishers are in violation of : FCRA 605B failing to block identity theft accounts ; FCRA 611 failure to conduct reason
able reinvestigation ; FCRA 607 ( b ) inaccurate and inconsistent reporting ; FCRA 623 ( a ) ( 6 ) furnishers continuing to report fraudulent accounts after notice ; FDCPA 809 ( b ) collectors attempting to validate disputed debts ; Relevant case law including Cushman v. TransUnion and Dalton v. Capital Associated Industries.

These violations have caused me to be denied credit, face higher interest rates, and suffer emotional and financial distress.

Desired Resolution Immediate permanent deletion of all fraudulent accounts and unauthorized inquiries from my Experian, XXXX XXXX XXXX credit files. 
Correction of inaccurate personal information ( incorrect names and addresses linked to fraud ). 
Written confirmation of compliance with FCRA 605B.

Compensation for damages as provided under FCRA 616617 and FDCPA 813, including statutory damages and actual harm.

Attachments for CFPB Portal Upload FTC Identity Theft Report ( # XXXX ) XXXX PRE LITIGATION Pre-Litigation Notice Letter ( dated XXXX XXXX XXXX ) XXXX PRE LITIGATION Certified mailing receipts Notarized affidavit of fraud Government-issued ID and proof of address

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 2025-10-02 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:
hi my name is XXXX XXXX XXXX, i noticed multiple inaccuracies reporring on my credit file. PLEASE CORRECT THESE ERRORS IMMEDIATELY! This accounts do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: AZ

Complaint narrative:
My financial ethics are mischaracterized in the review.

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 2025-10-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
he listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so XXXX constitute a violation of my rights under 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 non-monetary relief
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
ear Experian Dispute Department, I dispute the accuracy and completeness of the following tradelines : Defective Accounts Reported by Experian : XXXX. XXXX  Reported Open, XXXX  {$500.00}, High Credit {$860.00}, Past Due {$120.00}, XXXX  Day late. 
XXXX. XXXX XXXX ( Acct XXXX ) Shows XXXX late with Past Due {$120.00} ; conflicts with XXXX severity and chronology. 
XXXX. XXXX XXXX XXXX, XXXX XXXX, but High Credit inconsistent. 
XXXX. XXXX  XXXX XXXX shows XXXX, XXXX, XXXX lates with chronology gaps ; no DOFD disclosed. 
XXXX. XXXX XXXX XXXX Reports continuous CO every month, while OC line not suppressed. 
XXXX. XXXX XXXX XXXX {$410.00} ; opened after last activity ( re-aging ). 
XXXX. XXXX Default date inconsistent with apartment lease ; reporting meets FCRA requirements without DOFD. 
XXXX. XXXX XXXX XXXX CO but High Credit {$0.00} and balance {$180.00}. 
Legal Grounds : FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), 623 ( a ).

FDCPA 807 ( 8 ). 
XXXX XXXX XXXX & XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX. 
Demand : Provide underlying ledgers/statements for all months reported as delinquent, including but not limited to : o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : All CO months shown. 
XXXX XXXX XXXX fields ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) or delete. 
If not verified with business records ( not codes ), delete per 611 ( a ) ( 5 ) ( 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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I never had any relations with Navy Federal bank. Victim of 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 2025-10-02 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: CA

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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: GA

Complaint narrative:
I requested validation of the debt on XX/XX/year>. On XX/XX/year> I contacted them again to let them know it wouldve been 30 days and Id still not receive validation. They sent me a bill that shows zero balance. I then requested a privacy act signed by me releasing my medical information as well as an itemized bill showing insurance payments because cause I had insurance at that time. They said they were not responsible for providing that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I am filing this complaint against Wells Fargo Bank regarding their refusal to properly investigate a disputed transaction, in violation of Regulation E ( 12 CFR Part 1005 ). 

On XX/XX/year>, I attempted to make a purchase with XXXX using my Wells Fargo debit card ending in XXXX. At the time of the transaction, XXXX informed me that the Wells Fargo card was declined, so I immediately used a different card my XXXX XXXX debit card ending in XXXX to complete the purchase. 

XXXX issued a receipt showing the successful payment using my XXXX XXXX card, and that is the only receipt I received for this transaction. 

However, a few days later, I noticed that the original Wells Fargo transaction also posted to my account despite XXXX initial decline message and despite the fact that the XXXX XXXX transaction went through and was receipted. In other words, I was charged twice for the same transaction once on XXXX XXXX ( the valid charge ) and once on Wells Fargo ( the erroneous charge ). 

I promptly filed a Regulation E dispute with Wells Fargo to reverse the duplicate charge. However, Wells Fargo refused to investigate or correct the error, and closed the dispute without any meaningful explanation or evidence of investigation. They did not provide me with any merchant documentation, did not issue a provisional credit within the required 10 business days, and did not follow the proper Regulation E procedures.

Under Regulation E ( 12 CFR 1005.11 ), Wells Fargo is required to : Promptly investigate the error ; Report the results to me within 10 business days ( or 45 days if extended with provisional credit ) ; Correct the error within 1 business day after determining it occurred ; or Provisionally credit the disputed amount within 10 business days if more time is needed.

Wells Fargo failed to follow these legal obligations. I have clear proof that the XXXX purchase was completed using my XXXX XXXX card ending in XXXX, as shown on the XXXX receipt and my XXXX XXXX bank statement. This demonstrates that the Wells Fargo charge ( card ending XXXX ) was erroneous. Their refusal to investigate has left me wrongfully charged for a transaction that I did not authorize to post.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding EQUIFAX 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. XXXX, I disputed several fraudulent accounts and provided EQUIFAX with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, EQUIFAX failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX  bulletin underscores EQUIFAX 's failure to uphold consumer protections under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: LA

Complaint narrative:
Experian did verify the information from the courthouse. But the courthouse does report bankruptcies to credit reporting agencies. Therefore, this bankruptcy is unreliable. I have sent three letters and always get the same response. This is in violation of my rights. According to the FAIR reporting Act, all information must be complete, accurate and verifiable. This in violation of my 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 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC
State: MI

Complaint narrative:
Recovery One is reporting a collections to my XXXX  credit report for {$170.00}, no account number stating debt is from XX/XX/year>. Original creditor in XXXXXXXX XXXX XXXX XXXX 
I never used XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I am requesting the address XXXX claims to have serviced and specifically what this debt of {$170.00} is for. Otherwise this debt must be deleted immediately as it has dropped my XXXX credit score from XXXX to XXXX. 
I will say this again, This debt of {$170.00} is NOT mine.

Company response to consumer: Closed with explanation