vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
On the XXXX of XXXX, XXXX, Bank of AmericaXXXX verified an account of a customer under the name XXXX XXXX, XXXX. Upon the wire transfer being completed, it was immediately recognized as a scam. Bank of America was contacted that hour by the President of our local financial institution. They assured him that the account was frozen due to fraudulent activity, and after a XXXX investigation period, the money would be returned. A local police officer delivered a court order to a local branch of Bank of America to make sure the account was frozen. He was also told that almost the full amount was still in the account and would be returned after the 90 day period, Bank of America refused to provide contact phone numbers or email contacts for any of their fraud department employees, or cooperate in any way with our local bank or me personally. They made it very difficult to obtain information on the suspected scammers to the local, State, and even Federal authorities. Multiple warrants have finally been issued for the arrest of these men by XXXX Federal agencies, as well as local police. As the investigation date drew closer to a close, the local bank President ( after attempting to inquire into the progress ) XXXX XX/XX/2025, received an automatically generated email from Bank of America stating that funds were not available. We were unable to reply, as it was system generated. It has been impossible to contact anyone at Bank of America through phone or email. Hard to image that the money was there, account frozen, then vanished without a word from the company. Thank you, 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 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I received a voicemail from Comenity Bank rep XXXX XXXX ext. XXXX, stating that if I had representation in my past due matter that I could provide their information. However, I have not retained an attorney, nor was I ever informed that one was necessary to communicate with this company. My account is not in collections, and I have been working to address the balance. 

I found this voicemail to be misleading and inappropriate, as it implied legal representation was required or that legal action may be involved, which caused unnecessary confusion and stress. I believe this may be a deceptive or unfair practice, especially given that I have not defaulted into collections status.

I am requesting that the CFPB review this matter and ensure that this company is not violating consumer protection laws, such as the Fair Debt Collection Practices Act ( FDCPA ), by using intimidation or misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: DC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-30 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-30 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-30 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-30 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: FL

Complaint narrative:
Between XXXX XXXX and XXXX XXXX account XXXX XXXX XXXX was removed from my XXXX credit file due to inaccurate credit reporting by the furnisher.TransUnion failed to remove the account. I am aware TransUnion do not conduct reasonable reinvestigation as required by the FCRA, and did not remove the account prior to my request to remove this account from my TransUnion credit file. ( SEE ATTACHMENT )

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 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
I created a cash app and lost it in XXXX. I since then have been trying to get my old account back or create a new one but because, if my social security number my cash app keeps getting closed or not verified my account was hacked and identity theft was something I was scared of but now its happening to my spices security number idk why my account cant be verified or goes against community guidelines lines my record is clean Im just trying to set my social security number straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against TransUnion for its failure to respond to a valid and timely credit dispute, in violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a written dispute to TransUnion via XXXX XXXX Mail ( Tracking XXXX XXXXXXXX ). My letter requested an investigation into inaccurate items listed on my credit report, including incorrect personal information. In compliance with identity verification requirements, I included all necessary documents : a copy of my photo ID, W2 as proof of my social security number, and a recent utility bill. According to XXXX records, TransUnion received the dispute on XX/XX/year>. 
Despite my clear and well-documented request, I have not received any response, investigation results, or communication from TransUnion. As of today, more than 30 days have passed since the dispute was delivered. Under the FCRA, credit reporting agencies are legally obligated to conduct a reasonable reinvestigation of disputed information within 30 days of receipt. TransUnions complete failure to respond constitutes a violation of my consumer rights. 
I am attaching a copy of my original dispute letter along with XXXX proof of delivery as supporting evidence.

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 2025-07-30 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: GA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/year>, I sent formal demand letters to both LVNV Funding and XXXX XXXX, exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) and XXXX  XXXX Fair Debt Collection Practices Act to request validation of the debts they claim I owe. To date, I have not received any response from either company. It has now been over 30 days since they received my correspondence, and I believe their failure to respond constitutes a clear violation of my consumer rights. I am seeking accountability for their noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-30 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: MS

Complaint narrative:
Dear XXXX XXXX, I am contacting you regarding a hard inquiry that your company, XXXX XXXX XXXX, placed on my credit report without my knowledge or consent. The inquiry appears as follows : Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Credit Bureau Reporting : Equifax I did not apply for credit with your company, nor did I authorize any credit check or application that would result in a hard inquiry. Under the Fair Credit Reporting Act ( FCRA ), a hard inquiry may only be made with the consumers explicit permission. 

Therefore, I respectfully request that your office remove this unauthorized inquiry from my credit reports and notify the credit bureau ( s ) involved. I also request written confirmation that this action has been taken. 

For your reference, I have enclosed the following : A copy of the credit report showing the disputed inquiry A copy of my government-issued ID Proof of current address Please treat this matter with urgency. Unfounded hard inquiries can negatively impact credit scores and violate my rights under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Subject : Urgent Complaint Regarding Unauthorized Transactions, Identity Theft, and License Suspension Due to Chase Account Failures To Whom It May Concern, I am writing to report XXXX unauthorized transactions that occurred on my Chase account, which I did not initiate, approve, or receive any advance warning about. I had every reason to believe I was using my own funds at the time. These reversals not only depleted my account without notice, they triggered a domino effect that has severely impacted my life. 

Because of Chases failure to notify or protect me appropriately : - My XXXX insurance policy was canceled - My drivers license has been suspended- I am now unable to legally drive, work, or carry out essential daily functions I believe I am a victim of identity theft, and I am appalled by the lack of support and transparency from Chase in investigating or resolving this matter. Is this truly how we treat customers whose accounts are compromised? 
I am requesting : - A full investigation into the disputed transactions - A formal acknowledgment of identity theft protections- Restitution and expedited documentation to reinstate my driving privileges and insurance status This has caused undue financial, emotional, and logistical harm. I am seeking swift and respectful resolution, not further delay or dismissal. 
Both transactions XXXX was XXXX XXXX for XXXX from my founders insurance the other is from XXXX XXXX for the amount of XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MN

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MS

Complaint narrative:
I submitted a complaint back in XXXX about information on my report that isnt mine and is a result of identity theft. The credit bureaus did not send me any information or verification of these accounts as required by the federal credit reporting act.

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 2025-07-30 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:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I was informed to go to the website to get the full report on the information and I was blocked from the website on proceeding any further on the website so Im asking if they can email me a copy of the report or send me a copy in the mail. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

SELFLEADB - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

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