vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 status incorrect
Company: EQUIFAX, INC.
State: MI

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 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: OH

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your 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 2025-10-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America encouraged me to apply for an unsecured XXXX line of credit without disclosing the full qualification requirements. Their advertising and representatives consistently stated that the only requirements were two years in XXXX {$100000.00} in annual revenue, and a credit check. XXXX XXXX  meets and exceeds those qualifications, and I have an XXXX credit score. 

After spending several hours working with their representatives, I was later told that the real approval criteria included specific cash reserve thresholdsa requirement that was never mentioned in any materials, nor during the application process. Bank of America has had full access to my XXXX XXXX XXXX accounts for over 20 years, so they already knew exactly how much cash my XXXX maintains before recommending this product. 

Despite that, they still pushed me to apply, resulting in a hard credit inquiry and wasted time on an application I was never qualified for based on undisclosed internal criteria. This practice is misleading, irresponsible, and deceptive. It appears that Bank of America representatives are promoting loan products to customers who do not qualify in order to meet internal sales quotas. 

If the bank had been transparent about the true requirements, I would not have applied. I am requesting that the CFPB review this matter and require Bank of America to : Remove the hard credit inquiry from my credit report. 

Ensure full transparency of underwriting criteria in all advertising and communications. 

Cease promoting financial products to small business customers who clearly do not meet internal approval standards. 

As a long-time customer and small business owner, I find this practice completely unacceptable and inconsistent with responsible banking.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Details of the complaint : I am filing this complaint because Capital One improperly denied my fraud claim related to unauthorized charges from a company called XXXX. Despite notifying the bank that these transactions were unauthorized, Capital One : Initially issued a provisional credit, Later reversed the credit without justification, And continued to allow the unauthorized company to withdraw funds from my account. 

This resulted in my account becoming severely overdrawn. I received no prior notification before Capital One took back the funds. I discovered the negative balance while attempting to make a purchase at a store, which caused me financial hardship and embarrassment. 

I made it clear to Capital One that I did not authorize XXXX to access or withdraw money from my account. The bank failed to protect me from further unauthorized debits and refused to correct the issue under the Electronic Funds Transfer Act ( EFTA ), which requires banks to investigate and resolve unauthorized transaction claims fairly and promptly.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

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 2025-10-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
I am going through a refinance and wanted for refinance my home in XX/XX/year>. UwM intentionally dragged their feet so this wouldn't happen, they also waited til the last minute to refinance. Now a month later into the process my broker has asked for XXXX weeks for a standard payoff instead of met payoff and they dragged their feet until they sent off all payments to taxes and insurance before they would get the payoff request correctly. I hope I don't lose my interest rate because of this company.

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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX I need yall request by law and request by my rights to remove my security alert or fraud alert placed on my credit reports for XXXX and XXXX and Equifax without me calling in to yall customer support line support phone number and filling out a form to do it I need yall to do it asp when yalXXXX do it and also make sure my phone number is XXXX is updated on my credit reports as currently to get texts messages and phone texts messages etc and my ssn is XXXX please call me if you have any questions or email me at XXXX or call me at XXXX with any questions etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: WA

Complaint narrative:
What happened On XX/XX/year>, I initiated a transfer with Wise ( Transfer # XXXX ) from my XXXX XXXX  ( XXXX ) to my company account in XXXX ( XXXX XXXX XXXX  ). 

Amount sent : {$30000.00} USD Fees charged : {$70.00} USD ( Wise fee {$19.00}, payment method fee {$50.00} ) Net transfer amount : {$29000.00} USD Wises official confirmation ( attached ) shows the transfer was funded on XX/XX/year>, marked as paid out on XX/XX/XXXX, and stated that funds would be available by XX/XX/year>. 

However, on XX/XX/year>, the Wise app falsely displayed that the funds were received in the recipient account. This was incorrect the funds never arrived. 

Complaint history and actions taken XX/XX/year> : I raised a complaint when I saw the false received status. 

XXXX XXXX XXXX  : I repeatedly provided all requested details, including : purpose of payment ( company funding and operational support ), description of services ( medical coordination and consultancy ), relationship ( internal transfer from myself to my own company ), country of origin of services ( XXXX ), clarification of business use. 
Despite this, Wise asked for the same information multiple times. 

XX/XX/year> : Wise acknowledged my complaint formally but provided no resolution. 

Throughout this time, Wise repeatedly promised the transfer would arrive in XXXX working days, but each promised timeline passed without delivery. 

Why this is concerning Wises timeline does not make sense : On XX/XX/XXXX, they confirmed by email that the transfer was paid out. 

On XX/XX/XXXX, their system falsely showed the funds as received. 

When I complained, Wise asked for additional information that had already been provided. 

This sequence is contradictory and appears suspicious. Instead of resolving the issue, Wise delayed further by giving scripted responses and repeating requests, while the funds remained missing. 
Harm caused This is a very straightforward transfer from my personal U.SXXXX account to my own company account in XXXX. There is no legitimate reason for such delays or false status updates. 

Wises handling has caused : Financial loss I missed business deals and had to arrange alternative transfers. 

Reputational harm I lost credibility with my business partners. 

Emotional stress weeks of uncertainty with no resolution. 

Summary I complied fully with Wises requests and followed their complaint process. In return, Wise gave false status updates, repeated scripted replies, missed its own promised timelines, and failed to resolve the issue.

I request the CFPB to investigate Wises handling of this transfer, their contradictory communications, and their failure to deliver funds despite confirming them as paid out.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
b'On my wedding day XXXX a series of fraudulent purchases were made with my XXXX XXXX  and billed to my checking account at TD bank. There were 132 transactions made and billed under code XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These were NOT authorized and the total was XXXX  dollars and completely drained my account. Charges ranged from XXXX XXXX XXXX and there were an excessive amount and a large dollar value. TD never flagged a single fraudulent or scam notice. This is completely unacceptable when this clearly is fraudulent activity. XXXX has sent notices about odd charges or in-succession purchases within seconds and TD did nothing with over 100 transactions in less than 1 day.\n\nWe immediately went to TD bank and had them close the checking account and informed them of the fraudulent charges. We then contacted XXXX later and told them about the charges and requested a refund. They were able to reverse some of the charges but then said some could never be refunded because they were "spent" in an app or something. It was some kind of app or in-game purchase that couldn\'t be refunded. This refunded money NEVER went back to my account and TD kept it. TD bank did provide provisional credits for XXXX of the charges. \n\nTD never provided the refund from XXXX or the remaining XXXX. It is unacceptable to 1) not flag fraudulent charges and 2) not refund the stolen money within the legal 90 day requirement.'

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
b'I am disputing inaccurate and incomplete information being reported on my credit file regarding the above-referenced account (Account NoXXXX XXXXXXXX XXXX XXXX XXXXUpon reviewing the documentation provided by the furnisher, I identified multiple discrepancies, including:\n\nMissing account statements for several months XXXX XXXX XXXX XXXX and entire years XXXX XXXX XXXX, making it impossible to verify the continuity of account activity or the accuracy of the reported balance.\n\nInconsistent balances and payment amounts across available statements. Minimum payments, past due amounts, and new balances do not align logically from month to month.\n\nIrregular interest and fee calculations that do not correspond with the stated 29.99% APR. Interest and fee charges fluctuate without supporting explanation or consistent application.\n\nBecause of these gaps and inconsistencies, the balance and payment history currently reported cannot be verified as accurate. I am requesting that the furnisher and credit reporting agencies conduct a full investigation, provide all missing documentation, and correct or remove any inaccurate information that cannot be substantiated in accordance with the Fair Credit Reporting Act (FCRA).'

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: WI

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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: EQUIFAX, INC.
State: MD

Complaint narrative:
This is my 10th formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm.

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: OH

Complaint narrative:
This letter serves as a formal Cease and Desist request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I am requesting that you immediately cease all communication with me, my family, and my place of employment regarding the alleged debt referenced above.

Please be advised that I dispute the validity of this alleged debt. Until proper validation is provided including the original creditors name, itemized accounting, and proof that you have the legal right to collect you must not contact me about this matter. 
Any further communication from your company, except to confirm that you are ceasing collection efforts or to notify me of specific legal action, will be considered a violation of federal law and reported to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION It also states a consumer reporting agency can not furnish a account without my written instructions the accounts do not belong to me and I did not authroize anyone to furnish these accounts

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: FL

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION It also states a consumer reporting agency can not furnish a account without my written instructions the accounts do not belong to me and I did not authroize anyone to furnish these accounts

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: CT

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX  Company public response was Company can't verify or dispute the facts in the Complaint. Unverified information can not be reported on credit report. Never lived at that address they refused to verify any documents with me. I have proof of my address. I'm demanding that they do the right thing and remove this incorrect fraudulent account immediately. TransUnion are not following proper fair practices rules. A copy of this is forward to my State Attorney office

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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