vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/year> Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Subject : Urgent Request for Investigation and Verification of Successful Payments from Checking Account Ending in XXXX To Whom It May Concern : I am writing to request an urgent investigation into several payments made from my Bank of America checking account ( ending in XXXX ) to my XXXX XXXX XXXX XXXX ( account ending in XXXX ). 

I am currently in a major dispute with XXXX XXXX, as they have claimed that several payments failed, resulting in significant interest charges and negative reporting to credit bureaus. However, XXXX Bank of America statements clearly show that these funds were successfully withdrawn from my account and were never returned. 

This discrepancy is causing me significant financial and administrative hardship. To resolve my dispute with XXXX XXXX and prove my case to the Consumer Financial Protection Bureau, I require official confirmation from Bank of America that these specific payments were successfully processed and sent, and that the funds were never returned to my account. 

The key payments in question are : Payment of {$5900.00} on XX/XX/year> : My statement shows a withdrawal described as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My records confirm these funds left my account and were not returned. XXXX XXXX claims this payment failed. 

Payment of {$6000.00} on XX/XX/year> : My statement shows a withdrawal for " XXXX XXXX XXXX XXXX : XXXX. '' My records confirm these funds left my account and were not returned. 

Payment of {$5700.00} on XX/XX/year> : My statement shows a withdrawal for " XXXX XXXX XXXX XXXX : XXXX. '' My records confirm these funds left my account and were not returned. XXXX XXXX 's records do not appear to reflect receipt of this payment. 

Payment of {$6100.00} on XX/XX/year> : My statement shows a withdrawal for " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' My records confirm these funds left my account and were not returned. 

Desired Resolution : I formally request that Bank of America take the following actions : XXXX a trace or internal investigation on the XXXX specific withdrawals detailed above. 

Provide me with official written confirmation or documentation proving that these funds were successfully transferred from my account to XXXX XXXX and were not subsequently returned to Bank of America. 

This documentation is critical for me to prove my case with XXXX XXXX and the consumer protection agencies with which I am filing complaints. Your prompt attention to this matter is greatly appreciated. 

I have attached copies of the relevant Bank of America statements for your reference. 

Sincerely, 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 2025-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Giggle Finance Inc.
State: GA

Complaint narrative:
I took out a small business loan with Giggle Finance. When I applied, they told me that my on-time payments would be reported to help build my business credit, but they have not reported anything to any credit bureaus as promised.

Additionally, Giggle Finance continues to send harassing text messages about a {$63.00} balance even after I told them several times to stop contacting me.

On top of that, Giggle Finance withdrew payments from my bank account after I clearly told them the funds were not available. Their withdrawal caused my account to become overdrawn, resulting in bank fees and financial hardship.

I believe this behavior is unfair, deceptive, and abusive, and I am requesting a full investigation. I also want the company to stop all text communication and confirm that they will not make any more unauthorized withdrawals from my account. 

I am requesting assistance from the CFPB in resolving this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-07 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: TX

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 non-monetary relief
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
I discovered that my Equifax credit score is not appearing on my credit report. Despite checking multiple times and submitting disputes, Equifax has failed to provide my score as required. This omission prevents me from monitoring my credit standing, comparing it with other bureaus, and ensuring accuracy across my reports. I have already submitted disputes and requests for correction, but no action has been taken. 

This is harming my ability to evaluate my creditworthiness and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to provide complete and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
I am a victim oXXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I need assistance with my auto loan, which the servicer has labeled charged off and in recovery without any written notice. I still have the vehicle and want to resolve the delinquency and keep the car, but the company refuses to provide basic written information or reasonable options. 

Facts : Regular monthly payment : {$310.00} Past-due amount quoted : {$2500.00} I was told by phone my only options were to surrender the vehicle or pay a full payoff of about {$11000.00}. 
The representative refused to transfer me to a supervisor, stating none was available, and would not provide written figures. 
My online payment access was XXXX. 
I never received any written notice that the account was charged off. In fact, I continue to receive regular monthly statements that look like normal billing statements, which is confusing and seems inconsistent with the charged off/ in recovery status they claim by phone. 

What I requested ( and was denied ) : Written reinstatement figures to bring the loan current ( itemized past-due, late fees, and any recovery/assignment fees ) with a clear deadline. 

Written redemption/payoff figures with itemized fees and a deadline. 

Written identification of the current creditor/owner of the account ( if sold ) and the assigned recovery vendor with contact details. 

A temporary hold on recovery activity while they provide the figures in writing. 

Consideration of a workout ( re-age/deferral or a structured catch-up plan ) so I can resume the regular monthly payment and keep the vehicle. 

I am not refusing to pay ; I am requesting transparency and a workable path to resolve the delinquency. The companys refusal to provide written, itemized amounts, denial of reasonable escalation, and the surrender or pay $ XXXX ultimatum, combined with no written charge-off notice and ongoing regular statements, prevent me from understanding my options or the true status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into 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 2025-10-07 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:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into 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 non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: IN

Complaint narrative:
FCRA Violation Not mine Not my cc XXXX XXXX XXXX XXXX XXXX, IN XXXX Resident type Single family XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX type Single family XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX type XXXX family Not my names XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I had {$10000.00} personal loan from CITIbank on XX/XX/XXXX. I have been paying monthly since then. I am left with my last payment of {$570.00} payable XX/XX/XXXX. I am having problem accessing my paying Bank information to enable me pay online. I reached ot to their customer service on XX/XX/XXXX. They asked for accounts number but I told them I had been used to only the last XXXX digit numbers. They could not help further. As off XX/XX/XXXX today, my last paying amount has started increasing.

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 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I deposited a third party check into my account there was a hold placed on the check I had several people from the bank tell me to call back again and again till they told me I needed to speak to the fraud department then I was told until they speak and verify by phone number that the check isnt fraudulent my account was frozen and going to be closed I tried to explain my brother XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I didnt know when he would be home they didnt care that XXXX XXXX enough so almost XXXX I am out I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: IN

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. 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 30 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 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I've been on the phone for about 15 hours between citi bank and paypal. What Happened I purchased tickets through XXXX and they never delivered tickets. I opened disputes through Citi ( my funding bank for PayPal Pay in 4 ). StubHub refunded me via PayPal and paypal applied it to my pay in 4 because they said Citi took the funds from paypal as soon as I created the disputes. Because I cancelled the Citi disputes, Citi said since they were cancelled they sent the funds back to PayPal. PayPal applied StubHubs refund directly against my Pay in 4 balance ( instead of pushing it back to Citi to offset what Citi already provisionally credited ( or so what they say they credited ). Paypal is saying they can not locate the reversed payments citi supposedly sent to paypal and citi bank will not give me proof like a statement or screenshot. Citi said they sent back paypal the money here are the reference numbers XX/XX/XXXX Ref number : XXXX XX/XX/XXXX Ref number : XXXX XX/XX/XXXX Ref number : XXXX. Neither company is helping at the moment please help me.

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, especially in light of recent CFPB findings that highlight systemic issues within the platform. Despite using Zelle multiple times and promptly reporting unauthorized or disputed transactions, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. 
I was informed that recovering the lost funds was not possible and that tracking the transactions was impractical. This response is unacceptable, as it leaves consumers without meaningful recourse or protection. The CFPBs own findings indicate that Zelle has not only failed to implement adequate consumer safeguards but has also enabled repeat offenders to exploit the system, exposing users to ongoing fraud and scams. 
I am requesting that the CFPB take appropriate action to ensure that Zelle and its partner financial institutions are held accountable for these deficiencies and that stronger consumer protection measures are enforced to prevent further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: NE

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. 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 30 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 2025-10-07 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint because the same Department of EducationXXXX student loan account is being reported multiple times across my credit reports with TransUnion, Experian, and Equifax. Each duplicate tradeline lists the same underlying loan but appears as separate accounts, which is inaccurate and misleading. 

I have submitted written disputes to all three credit bureaus requesting permanent deletion of these duplicate and unverifiable accounts. Despite providing notice under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and CFPB Regulation V, the information continues to be reported inaccurately.

This repeated reporting has negatively impacted my credit score and financial standing. It violates FCRA 607 ( b ) ( failure to ensure maximum accuracy ), 623 ( a ) ( 1 ) ( A ) ( furnishing information known to be inaccurate ), and 611 ( failure to reasonably reinvestigate disputed information ). TransUnion in particular has faced similar litigation and settlements for reporting inaccurate data, which suggests systemic compliance failures.

I am requesting CFPB assistance to ensure full deletion of all duplicate student loan accounts, enforcement of the FCRA and related consumer-protection laws, and any applicable compensation or corrective action for the damages caused by this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, has violated 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 2025-10-07 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: LA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: LA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX  - XX/XX/year> XXXX - XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation