vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/year> I deposited a {$1400.00} cashier 's check at the Bank of America XXXX in XXXX XXXX. I was never told they would put a hold on it. It was deposited into my account and then withdrawn and a hold placed on it. They refused to remove the hold on the cashier 's check and the hold is until XX/XX/year>. This is the second time BofA has put a hold on a cashier 's check I have deposited.

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 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Johnson Mark LLC
State: OR

Complaint narrative:
On or about XXXX XXXX XXXX, I sent a formal written demand to Johnson Mark LLC after they initiated collection efforts on an alleged {$32000.00} debt originally issued by XXXX XXXX XXXX. I requested full validation of the debt under FDCPA 809 ( b ). My request included : ( 1 ) a copy of the original signed agreement; ( 2 ) the complete chain of assignment from Upstart to Johnson Mark ; ( 3 ) a full itemized accounting ; ( 4 ) notice of Johnson Marks legal authority to collect in Oregon ; ( 5 ) a certified copy of the most recent billing statement ; and ( 6 ) the Date of First Delinquency with supporting calculation.

Despite this lawful and timely demand, Johnson Mark LLC failed to provide proper validation. They continue to pursue collection activity without complying with federal law. If they are furnishing any data related to this debt to consumer reporting agencies, this may also constitute a violation of FCRA 623 ( a ) ( 3 ). 

I request that Johnson Mark cease all collection efforts until full validation is produced, and that any tradeline be permanently deleted if lawful verification can not be provided.

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Account name XXXX Account number XXXX Account type Line of Credit Responsibility Individual Date opened XXXX Status Collection account.

Status updated XXXX XXXX Balance {$0.00} Balance updated XXXX Recent payment - Monthly payment - Credit limit {$3100.00} Highest balance {$4000.00} Terms - On record until XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equitax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNT LISTED BELOW : XXXX ) XXXX XXXX Amount : {$980.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NV

Complaint narrative:
I am submitting this complaint regarding inaccurate and conflicting information reported by XXXX XXXX and appearing in my credit reports with TransUnion. 
The account, ending in XXXX, shows a reported balance of {$12000.00} and contains inconsistent dates : Account opened : reported as both XX/XX/XXXX and XX/XX/XXXX Last reported : listed as XX/XX/XXXX and XX/XX/XXXX Despite submitting disputes with proper documentation, no correction or investigation confirmation has been provided. This contradicts the Fair Credit Reporting Act ( FCRA ), which requires accuracy and prompt reinvestigation of disputed items. 
I respectfully request CFPB assistance to ensure : 1. A complete reinvestigation by all parties involved 2. Correction or removal of unverifiable or inaccurate data 3. An updated credit report reflecting accurate information Thank you for your time and attention to 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 2025-07-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
for Removal of Unauthorized Hard Inquiries To whom it may concern, I am writing to formally dispute several hard inquiries listed on my credit report. These inquiries were not authorized by me, and I did not give consent for them. Therefore, I am requesting that they be investigated and promptly removed from my credit file. 

Please consider this a formal request under the Fair Credit Reporting Act ( FCRA ) to remove any and all unauthorized inquiries associated with my name and credit profile. 

Thank you for your attention to this matter. I appreciate your prompt response and resolution. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo 's employee, XXXX XXXX, located at the Wells Fargo Branch on XXXX XXXX in XXXX XXXX notarized a General Durable POA on XXXX and per Wells Fargo Legal representative the employee did not confirm it was done in person as required by statute and therefore rejecting the POA stating " notary on document not correct ''. This is their own employee in which a log should confirm it was done in person along with the fact the employee does not notarize forms outside their office or scope of employment. Wells Fargo is now rejecting the persons in which the POA grants access to the account based on their own employee 's error. The POA can not be redone or executed as the parties that hold the bank account are no longer able to act on their own behalf due to medical reasons. It is my opinion Wells Fargo is acting in bad faith on behalf of their customer and not accepting their own employee 's error in not notarizing the form correctly.

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 2025-07-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As per hte guidance gromnthe Consumer Financial Protection Bureau ( CFPB ) the documents needed are a pictire ID, a bill and my FTC report. I kindly ask that you remove and block this information from my credit report within 4 business days pursuant to section 605C of the fair credit reporting act i have given you documentation as well as the information requested from the list of acceptable its which only two are required per the law i have provided all needed documentation please remove these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Final Notice Cease and Desist Demand Regarding Fraudulent Account Ending in XXXX This complaint service as a formal demand under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) that XXXX XXXX XXXX immediately cease all communications with me regarding account ending in XXXX, as well as any. I am the victim of identity theft and fraudulent charges associated with this account. I have repeatedly informed XXXX XXXX XXXXXXXX that : The charges are not mine and were the result of unauthorized activity. 
I have submitted a police report, an FTC Identity Theft Report, and supporting documentation confirming the fraud. 
I have made multiple phone calls, sent emails, and filed three separate complaints through the Consumer Financial Protection Bureau ( CFPB ) portal. 
Despite this, I continue to receive harassing emails and letters, most recently on XXXX XXXX XXXX, attempting to collect on a fraudulent and disputed debt. 

This repeated communication is in violation of the FDCPA ( 15 U.S.C. 1692c ( c ) ), which gives me the right to request that a creditor or collector cease contact after a written demand. Additionally, failure to accurately report or investigate this fraudulent account may constitute a violation of the FCRA. 

I am formally demanding the following : 1. Cease all communication with me regarding this account immediately.

2. Cease any collection activities and remove this account from any internal or external collection efforts.

3. Provide written confirmation that the matter is closed and that no further action will be taken.

4. If this account is being reported to any credit reporting agency, it must be deleted immediately under FCRA 1681s-2. 

If you continue to contact me or pursue this fraudulent debt, I will be forced to take legal action, including but not limited to reporting this matter to the Federal Trade Commission, the CFPB, and pursuing damages in accordance with federal law. 

Let this letter serve as final notice. Failure to comply will result in immediate escalation. 

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 2025-07-23 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: PA

Complaint narrative:
Incorrect Balances * * ( FCRA XXXX ) - XXXX XXXX XXXX XXXX * : Credit limit $ XXXX {$520.00} but balance {$860.00} / {$2800.00} ( impossible ). 
- * Dispute * : " Correct balance on # XXXX * * * *. Balance can not exceed credit limit. Furnisher violates FCRA 623 ( a ) ( 1 ) ( B ). ''

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 2025-07-23 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: FL

Complaint narrative:
The XXXX XXXX XXXX account XXXX under XXXX XXXX XXXX XXXX was fraudulently added to my credit report without my consent and in violation of the law. They call to harass and threaten me. When I ask for information, they don't give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
The XXXX XXXX XXXX account XXXX under XXXX XXXX XXXX XXXX was fraudulently added to my credit report without my consent and in violation of the law. They call to harass and threaten me. When I ask for information, they don't give it to 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 explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no relationship with the listed accounts, which I believe are fraudulent. Please investigate and remove them from my credit file. Documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Deposited a check from my employer for reimbursement on travel on XXXX XXXX XXXX, for the amount of {$1100.00}. They placed a hold on it to verify funds. Which is standard for 14-21 days as stated in their guidelines. On XXXX XXXX XXXX I called the bank to request a status update on the funds, meanwhile they had also placed a hold on other incoming automatic transfers of funds of {$240.00} on XXXX XXXX {$240.00} on XXXX XXXX XXXX, and {$90.00} on XXXX XXXX XXXX Which I have never had a bank do, nor is this stated in any agreement I signed.

When I spoke to customer service on XXXX XXXX XXXX they told me they do not have an update for me, as they couldn't get ahold of anyone at my employer of the STATE OF CALIFORNIA.

I called again the following week, given the same message, they do not have an update for me and do not have a timeline of when any of the fund would be available, I then proceeded to have that check cancelled with my employer and be issued a new check so I could deposit it into another back about where I could wait the normal 14 days for clearance. 

I called again on XXXX XXXX XXXX  and told them I had the check had been cancelled and reissued. They still would not let me talk to anyone that was investigating nor give me a timeline of when I would have the over {$500.00} in funds they are holding. They now have charged me a maintenance fee on the account of {$15.00} for an account I CAN NOT USE. 

{$590.00} is the amount I am due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) to report multiple inaccurate, misleading, and harmful credit entries that are currently being reported by furnishers and credit reporting agencies. These accounts have been damaging to my credit profile, affecting my ability to obtain fair credit and causing emotional and financial hardship. Despite my repeated efforts to dispute and request verification, these accounts remain unresolved and continue to violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I respectfully request the CFPBs assistance in investigating these issues and ensuring that my credit report is corrected as required by law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$200.00} Late Payment * * This account is inaccurately showing late payment. I have always maintained on-time payments or was within my grace period. No valid notice of delinquency or default was ever received. This reporting is unfairly damaging my credit score. 
Law Issue : FCRA Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing inaccurate or incomplete information. Section 611 ( a ) grants me the right to dispute and demand verification of any inaccurate data Instruction : Please investigate this payment status with documentation and if unverified, remove the delinquency or update the account to reflect Pays as Agreed XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Collection * This account is in collection status and appears to be related to an insurance policy I canceled in advance. I was not notified of any unpaid balance or collection action. I did not receive a final bill and dispute the validity of this collection account Law Issue : FDCPA 807 prohibits collection of amounts not expressly authorized by the agreement and FCRA 611 mandates reinvestigation of disputed items Instruction : Please request validation from the collection agency and provide all documentation to me. If not verifiable, delete the collection from my report entirely I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these matters thoroughly and take appropriate enforcement or corrective action to ensure my rights as a consumer are protected. These inaccuracies have caused serious damage to my credit score and financial wellbeing, and they remain unresolved despite my good faith efforts to communicate with the furnishers and the credit bureaus. I respectfully ask the CFPB to ensure these accounts are properly verified or deleted and to hold the reporting entities accountable for any violations of federal law. I request copies of all findings and results once the investigation is complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint because all three major credit reporting agenciesXXXX XXXX and TransUnionare inaccurately reporting a charge-off account for XXXX with account number ending in XXXX, dated XXXX and showing a {$0.00} balance. Despite being marked with a zero-dollar balanceclearly indicating that the debt has been paid, resolved, or otherwise satisfiedthe account is still being reported as a charge-off. This is both misleading and harmful, as it creates the false impression that I defaulted on a financial obligation when, in reality, the account shows no amount owed. 

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Reporting a charge-off with a {$0.00} balance directly violates this provision because it fails to reflect the full truth of the accounts current status. A charge-off, by definition, implies the creditor has written off a delinquent, unpaid debt. If the account has since been resolved and now carries a XXXX balance, the charge-off status should no longer remain or must at least be properly annotated to reflect its paid nature. 

Additionally, under 15 U.S.C. 1681i ( a ), I submitted disputes to both XXXX XXXX, and TransUnion requesting a reinvestigation of this inaccurate information. However, their responses were cursory at best, and the information remains on my credit report without any substantial verification or clarification. The bureaus failed to provide supporting documentation from the furnisher or conduct a meaningful reinvestigation as required by law. This is not just an oversightit is a direct violation of their legal duties and a failure to uphold the standards set forth by the FCRA. 

This inaccuracy has caused me significant harm. I have been denied access to fair credit terms and have had lenders and underwriters question my reliability due to this unjust charge-off entry. My credit score has been artificially suppressed, affecting my ability to refinance my mortgage and qualify for low-interest financial products. Beyond the financial consequences, the emotional toll has been heavyIve experienced anxiety, embarrassment, and unnecessary stress over an account that has a zero-dollar balance yet continues to penalize me as if I defaulted. Ive played by the rules and resolved the account in question, yet the bureaus continue to publish misleading information as though I am still a delinquent borrower.

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