vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am writing to formally file a complaint against Bank of America concerning multiple errors in their payment processing and subsequent failure to address my refund request appropriately, along with a demand for interest compensation for the financial inconvenience caused. 

Issue XXXX : Duplicate Payments Due to System Failure When I attempted to manually pay off my credit card balance, the Bank of America system provided no confirmation of the transaction upon completion. Assuming the first attempt had failed, I initiated a second payment. XXXX days later, I discovered that XXXX payments of over {$700.00} each had been processed, resulting in an overpayment on my account. 

Issue XXXX : Unfulfilled Request for Refund via Check & Delayed/Incomplete Fund Returns Due to the duplicate payments, my account held an excess balance of approximately {$1200.00}. I contacted Bank of Americas customer service via phone and explicitly requested that the excess funds be refunded to me via a physical check. However, the bank disregarded this request and instead initiated refunds back to my original funding account ( s ).

Of these refunds, one payment of over {$600.00} was received last Friday, while another refund of {$780.00} has yet to be credited to my account as of today. When I followed up with the bank today, I was told that this second refund is still under review. 

Demand for Interest Compensation Given the ongoing errors and delays by Bank of America, I am requesting compensation for the interest I would have earned had these funds been deposited in my savings account, which earns an interest rate of 3.75 %. I expect the bank to reimburse me for this interest loss. 

I urge the CFPB to investigate these matters and ensure that Bank of America rectifies these errors promptly, fulfills my original request for a check refund ( if applicable ), and compensates me for the interest loss caused by their negligence. 

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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: PA

Complaint narrative:
The 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 may 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 explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am a victim of fraud, I never did any business with this company.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a formal complaint regarding unauthorized hard inquiries from XXXX  XXXX ( dated XX/XX/year> ) and XXXX  ( dated XX/XX/year> ) that appear on my credit report. These inquiries were made without my consent and violate 15 U.S.C. 1681b, which explicitly prohibits access to my credit report without a valid permissible purpose and written authorization. I have disputed this matter multiple times with Experian, but it remains unresolved. This is incredibly frustrating, and I hope that this will be the last time I need to dispute this issue. Furthermore, due to the unavailability of the FTC site, I am unable to create an FTC Identity Theft report at this time. If necessary, I will attach a screenshot of the FTC sites shutdown for clarification.

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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX CARD - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 — Account status incorrect
Company: Opportunity Financial, LLC
State: UT

Complaint narrative:
In XXXX  I learned about an unpaid balance and immediately settled the amount with a collection agency. 
That collection agency was supposed to notify the original creditor that amount was paid and to close the account then update my credit file. 
The original creditor re opened the account and has been marking it as delinquent for most of this year after credit bureau disputes. 
A balance of {$1700.00} and late payments all year long. 
This was paid and settled in XXXX of last year. 
Needless to say they have been wreaking irreversible damage to my credit file all year long. 
I have sent numerous emails to them and copied the collection agency. 
I have disputed several times with the credit bureau 's ( XXXX is the worst ). 
I have called and complained. 
I dont know what else to do besides file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: MA

Complaint narrative:
I took out a loan with Ascend Loans for {$800.00} and when I went to check on my payment plan through their app, it says they are going to charge me an APR of 699.9499 % rather than the amount financed. Leading me to pay a total of {$4800.00}.

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: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint against Equifax for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. 
On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  was fraudulent. Despite receiving this information, Equifax has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$120.00} XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1400.00} INQUIRIES : XXXX XXXX XXXXXX/XX/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: 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:
Accounts were put on my profile illegally and does not belong to me and was reported in error and without legal authorization. As such, this entry is inaccurate, unverifiable, and in 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 explanation
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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX - XXXX - Account not mine XXXX XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXXXXXX - Account not mine

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: VA

Complaint narrative:
I was charged for a XXXX transaction that was unauthorized as I was not able to receive any product for purchase and the Merchant denied any refund being sent. The Debit Card company Chime XXXX XXXX Bank ) was informed of this issue and I filed a dispute- the dispute was denied under the terms " wrong payment method used ''. I have a virtual card with my bank that I use when shopping. This is the method I used and it is offer by Chime " legally '' for purchases. 

I was told the XXXX charge could not be resolved or refunded due to the card not being the physical card. This makes no sense. I have been trying to get the dispute resolved since XX/XX/year>. I have been lied to, cursed and yelled at, I have been denied the option to speak to a supervisor or legal department and the money has still not been refunded. I would also be filling a complaint for XXXX as they have refused to refund me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
What Happened On XX/XX/year>, I was charged {$450.00} by XXXX XXXX for LLC formation services. I selected the Standard package ( {$190.00} ), which included LLC filing and EIN service. I did not authorize the Premium package ( {$290.00} ) or additional services such as the Business License Research Package, Registered Agent service, or compliance account. 

Despite this, XXXX : Overcharged me by adding unauthorized services and billing for the higher-tier package. 
Failed to provide promised services ( I only received the basic LLC filing ; I never received my EIN, Business License Research Package, or account access ). 
Blocked me from my XXXX account after my dispute, cutting off services I had already paid for. 
Canceled my subscriptions in retaliation XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX 
Threatened to dissolve my LLC because I pursued a chargeback with my bank. 

I submitted all of this evidence to Bank of America. Despite the strong documentation, my claim was denied on XX/XX/year>. I filed an appeal ( Claim # XXXX ), explaining XXXX misrepresentation, services not delivered, and retaliation. The bank still upheld the denial. 

Why This Is Wrong XXXX misrepresented services and charged me for things I never agreed to. 
Services I paid for were never delivered. 
The company retaliated against me for exercising my rights by canceling subscriptions and threatening my LLC. 
Bank of America failed to properly investigate under Regulation E consumer protections, despite extensive proof. 

Resolution Requested I am requesting a full reversal of the {$450.00} in charges and an order that Bank of America properly review my evidence and enforce consumer protections. 

Supporting Documents Attached Exhibit A : Copy of my detailed appeal letter to Bank of America ( XX/XX/year> ). 
Exhibit B : ScreenshoXXXX of XXXX package pricing showing the Standard ( {$190.00} ) package I selected. 
Exhibit C : Transaction detail screenshot from Bank of America app showing {$450.00} charge to XXXX ( XX/XX/year> ). 
Exhibit D : Cancellation notices from XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX 
Exhibit E : Email correspondence where XXXX threatened dissolution of my LLC because of my dispute. 
Exhibit F : Documentation of being blocked from my XXXX account. 

XXXX acted in bad faith by misrepresenting services and retaliating. Bank of America wrongfully denied my claim despite overwhelming proof. I respectfully request CFPB assistance in resolving this matter and holding the bank accountable to federal consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NC

Complaint narrative:
I am writing to dispute unauthorized hard inquiries listed on my credit report pursuant to my rights under 15 U.S. Code 1681b and 1681i.

The following inquiries were made without my permission, are not tied to any open accounts, and violate the permissible purpose clause under the XXXX  : XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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