vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : Bank of America Failed to Properly Investigate Debit Card Dispute Case # XXXX I am filing this complaint against Bank of America for failure to conduct a fair and reasonable investigation into my debit card dispute, despite extensive evidence of coercion, fraud, and services not rendered. 

Background : On XX/XX/year>, I paid {$7500.00} via debit card to XXXX XXXX ( XXXX XXXX ) under direct threat and coercion. The dealership explicitly threatened to report a loaner vehicle as stolen and to file a police report for theft of services if I did not immediately pay and retrieve my vehicle. This threat is documented by SMS. 

I paid under protest and duress, solely to recover my vehicle, after being advised that I could contest the charge through my bank. 

Bank of Americas Failure : Bank of America denied my dispute twice, relying on unsigned invoices submitted by the merchant, while ignoring critical facts : I never signed or accepted any final repair invoice. 

I never signed acknowledgment that services were completed. 

My only signature was on a debit card payment receipt, which does not constitute acceptance of services. 

The payment was made under coercion and threat, invalidating consent. 

A certified third-party repair facility inspected the vehicle and confirmed that major repairs were not performed and that additional damage existed. 

Bank of America refused to accept videos or online inspection links and limited evidence submission to fax only, which prevented full review of third-party reports, videos, and documentation. 

Despite accepting my credit card dispute for the same transaction, Bank of America inconsistently denied the debit card dispute arising from the exact same facts and merchant misconduct. 

Conclusion : Bank of America failed to meet its obligation to conduct a reasonable investigation under consumer protection laws by : Ignoring evidence of coercion Accepting unsigned merchant documents as proof Failing to review third-party inspection evidence Preventing submission of critical multimedia evidence I respectfully request that CFPB require Bank of America to reopen and properly investigate Dispute Case # XXXX and reverse the {$7500.00} debit card charge.

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 2025-12-16 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-16 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-12-16 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: PR

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 2025-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/year> I received information from the XXXX XXXX app that I had a new hard inquiry on my account with SNYCB/AMAZON. This was not me, I put out a fraud alert and looked up what to do next, which was reach out to the issuing bank. I was unable to find adequate contact info for the bank and when I was transferred internally and provided my social they werent able to look anything up because there was no account and therefore couldnt remove the hard inquiry from my credit. My credit is bad, so I am assuming whatever the person tried to open wasnt successful, but that doesnt mean they didnt still apply and affect my credit.

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 2025-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
What Happened I am filing a separate CFPB complaint regarding Frost Banks denial of my electronic transaction dispute based solely on the statement that the merchant refused to accept a reversal. 
Frost Bank concluded its investigation and denied my dispute stating : Merchant will not accept a reversal of the transaction ( s ) in question. 
No other factual findings, evidence, or investigation results were provided. 
Why This Is Improper A merchants refusal to accept a reversal is not a valid basis for denying a debit card dispute. The responsibility to investigate and resolve unauthorized electronic fund transfers lies with the financial institutionnot the merchant. 
Frost Bank failed to : Provide evidence that the transaction was authorized Provide transaction logs, authentication data, or supporting documentation Explain how the merchants refusal overrides consumer protections Conduct or document a reasonable investigation The denial letter contains no analysis, no reference to Regulation E standards, and no explanation of how Frost Bank reached its conclusion.

Failure to Provide Documentation The letter states that I may request documents relied upon in resolving the claim. I have previously requested such documentation in multiple disputes, and Frost Bank has not provided any supporting records.

Without documentation, I am unable to verify : How authorization was determined Whether transaction authentication was reviewed Whether errors or fraud indicators were considered Pattern of Improper Handling This denial is part of a broader pattern where Frost Bank : Issues conclusory denial letters Uses inconsistent or unsupported reasoning Shifts responsibility to merchants Fails to provide documentation Prevents meaningful appeal or correction Harm Caused As a result of this improper denial : Funds were not restored My account standing was negatively affected I incurred financial hardship I was denied transparency and due process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MD

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-16 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : None listed. 

Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Equifax ( EQ ) Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : None listed. 

Previous Address : XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Inquiries XXXX  XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: IL

Complaint narrative:
I am submitting this complaint as a consumer who is working to improve my credit standing and ensure that my TransUnion credit report is accurate. After reviewing my report, I identified several accounts and late payments that I believe may be inaccurately reported or not properly verified. 

* * Charged-Off Accounts in Dispute ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$560.00} * XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance {$300.00} * XXXX Card Account # XXXX Opened XX/XX/XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$460.00} * XXXX XXXX XXXX XXXX Account XXXX XXXX Opened XX/XX/XXXX Balance {$16000.00} XXXX XXXX XXXX XXXX Account XXXX XXXX Opened XX/XX/XXXX Balance {$1100.00} * * Late Payments in Dispute ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX * XXXX XXXX XXXX XXXX Account XXXX XXXX I respectfully request that TransUnion investigate these disputed items. If any account or late payment can not be verified as accurate, complete, and compliant with the Fair Credit Reporting Act, I request that it be corrected or removed.

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 2025-12-16 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 submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} Inquiries XXXX Date : XX/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 2025-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Ability Recovery Services, LLC
State: UT

Complaint narrative:
I reached out to a company that sent a debt to collection legally, considering its a HIPAA violation phi ppi and they illegally sent my debt to collection or as they referred to it debt buyer I spoke to XXXX at XXXX about the alleged account XXXX who would not give me any information and who supervisor refused to get on the phone. XXXX XXXX XXXX. Talking to the XXXX XXXX billing department they said all debts were paid by XXXX because I was XXXX XXXX military so not only is this any illegal debt its wrongfully sent to collections and in violation of HIPAA. Not only that they shouldnt text and reached out to family member.

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 2025-12-16 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: VA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX FCU Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation