vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On or around XX/XX/, I paid {$30.00} to Bank of America to place a stop payment on a fraudulent transaction from XXXX XXXX ( which I have filed a separate CFPB complaint against ). Despite this, Bank of America allowed another unauthorized debit by the same merchant on or around XX/XX/XXXXXXXX XXXXviolating Regulation E ( 12 CFR 1005 ) and UCC 4-403, which require banks to honor timely and reasonable stop payment orders. 

Following the failed stop payment, I independently contacted XXXX and secured a refund the same day. Bank of America then reversed the provisional credit they had issued, claiming the refund absolved them of responsibility. However, that refund was the direct result of my own effortsnot the bank 's. It does not negate the legal obligation that BoA had to block the second debit, or to uphold the paid stop payment order. 

I sent a formal written demand letter by certified mail on XX/XX/, to Bank of Americas Fraud Claims/Dispute Resolution Department . In that letter, I requested reinstatement of the credit owed to me, as well as written acknowledgment of the banks failure to deliver the service I paid for. 

The only response I received was a letter dated XX/XX/XXXX ( delivered XX/XX/XXXX ), which completely ignored the entirety of my demand letter, and merely directed me to call the fraud claims XXXXXXXX XXXX I had already taken multiple times prior, with no resolution. During calls on or around XX/XX/XXXX, I was told the credit would not be reinstated and that I had no recourse, despite the banks clear failure to enforce the stop payment I paid for. 

Bank of America failed to uphold their legal obligations under Regulation E and UCC 4-403, reversed a credit owed to me for their own error, and retained the {$30.00} fee for a stop payment they did not honor.

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 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BOA returned two payment In XXXX or XXXX of this year. {$200.00} in check were returned to me with no explanation. I discussed this issue with the bank manager and he had no idea as to why this occurred. In XXXX I attempted to make a purchase totaling {$1000.00} on my BOA credit card which was denied. I went to BOA and advised them I was unhappy with this outcome and stated that I wanted my account closed. Rather than honor my request they authorized the purchase without advising me and disregarded my request to close my account. 
I was locked out of my online account for at least two months but made payments at my local branch. About a week ago BOA reduced my credit line and stated I had not paid them for 30 days. This was a falsehood. I believe BOA is responsible for the missed payments and the funds returned to me. My credit score was excellent now it's fair because of their incompetence. My account is still open and I have been paying it down. I had nothing but problems from this bank and once I've completed paying off my account I want it closed. BOA needs to withdraw their false allegations of late payments and failing to act on my request to have my account closed.

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 2025-05-17 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: CA

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXX is reporting a fraudulent XXXX XXXX that I did not authorize, open, or sign for. The account was opened in XX/XX/XXXX and charged off in XX/XX/XXXX for {$25000.00}. This account appears on my credit report and is damaging my financial standing and mental health. 

I submitted an official FTC Identity Theft Report ( Report # XXXX ), which includes this account and outlines that this was identity theft. Under 15 USC 1681b ( a ), a consumer reporting agency may only furnish a consumer report with the consumers written instruction or legitimate purpose. Under 15 USC 1681a ( 2 ) ( A ) ( i ), transactions resulting from identity theft must be excluded from a consumer report. 

Santanders reporting of this account violates these statutes, as no permissible purpose existed and the account was not opened by me. I am requesting permanent deletion of the account and all associated data.

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 2025-05-17 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: CA

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXX is reporting a fraudulent XXXX XXXX that I did not authorize, open, or sign for. The account was opened in XX/XX/XXXX and charged off in XX/XX/XXXX for {$25000.00}. This account appears on my credit report and is damaging my financial standing and mental health. 

I submitted an official FTC Identity Theft Report ( Report # XXXX ), which includes this account and outlines that this was identity theft. Under 15 USC 1681b ( a ), a consumer reporting agency may only furnish a consumer report with the consumers written instruction or legitimate purpose. Under 15 USC 1681a ( 2 ) ( A ) ( i ), transactions resulting from identity theft must be excluded from a consumer report.

Santanders reporting of this account violates these statutes, as no permissible purpose existed and the account was not opened by me. I am requesting permanent deletion of the account and all associated data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Mercury Technologies, Inc.
State: CT

Complaint narrative:
To Whom It May Concern, This is a formal rebuttal and urgent follow-up to CFPB Complaint # XXXX regarding Mercury Technologies Inc. and the unlawful withholding of funds from my business accounts ( Elite Ecom Advisors LLC and Smart Sellers Academy INC ) . 

On XX/XX/year>, Mercury locked my account and requested documentation to verify certain incoming wires. I responded immediately with valid invoices proving these were legitimate business transactions. Instead of working toward a resolution, Mercury closed my accounts the next day and claimedwithout any specific explanationthat I had violated their Terms of Service or Deposit Account Agreement. Since then, they have refused to return my funds, claiming the decision is final.

I need to ask plainly : How is it ethical for a bank to retain funds that do not belong to them and then block the account holder from even following up?

Mercury has : Blocked my phone number from calling support.

Ignored all follow-up emails to their security team.

Stated this would be their final communication, essentially cutting me off from any chance of getting an update or asking questions.

How can any company justify this? I worked hard for those funds. That money belongs to me. And now, without due process, Mercury is not only refusing to return my moneytheyve made it impossible for me to even reach someone for help. It feels like they believe they can simply shut people down when its convenient for them. That is unacceptable and completely unethical.

Let me be clear : I no longer want to bank with Mercury. I just want what rightfully belongs to me. Return my money.

Their behavior has caused serious financial harm to me and my family, interrupted my business operations, and caused immense emotional stress. Mercury has acted without transparency, accountability, or basic decency.

I respectfully demand the following : Immediate return of my withheld funds.

A clear and specific explanation of the alleged violation used to justify this seizure.

A full investigation by the CFPB into Mercurys deceptive and harmful practices.

I am currently seeking legal representation and am prepared to pursue all available legal channels. Mercury can not be allowed to operate this way unchecked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: OR

Complaint narrative:
I, XXXX XXXX, affirm that I have never applied for credit, nor have I requested goods or services, from the companies associated with the accounts in question. These accounts are fraudulent and were established without my authorization.

Pursuant to 15 U.S. Code 1681c-2, I formally request that these unauthorized accounts be removed or blocked from my credit report within four ( 4 ) business days of your receipt of this request and the accompanying documentation, including my FTC Identity Theft Report. 

Please be advised that I will also be forwarding this communication to the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX ), and the Attorney General of Oregon for their records and potential further action.

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 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I contacted Synchrony Bank over my Pay Pal account being closed. I was told after an internal review they assumed I would default on my account. Some of the other accounts with Synchrony I have were also closed within days of this interaction, Pay PAL was the only one I called/chatted about. I received no notice on several of these accounts being closed I did however received electronic messages or emails when my limit was reduced ( before total closure ). In those responses it was determined since I didnt own a home ( discrimination ) I didnt need a credit card example XXXX credit card, XXXX balance at the time but normally used and paid off. I am a banker and I know the reasons from bank compliance training in this case though its more of a discrimination issue because I owned a home for 28 years and sold it in XXXX  to my daughter. Another issue I have is being approved for a card through Synchrony only to have it closed a month later for the reasons stated above? This will hit my credit like a ton of bricks due to credit card usage being pushed over the 30 % threshold. Its unfair and it needs to stop. I know there is enough accounts to close for abuse or defaults and no need to close great accounts for people who honor the agreements they made with Synchrony when opening their credit card.

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 2025-05-17 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: OneMain Finance Corporation
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, multiple hard inquiries were made on my credit report by various companies without my knowledge, consent, or authorization. I did not apply for credit, loans, or financing with any of the companies listed below during that time frame. 

These companies include : XXXX XXXX ( inquiry on XX/XX/XXXX ) ONEMAIN ( multiple inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  associated with XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  ( inquiries on XX/XX/XXXX and XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I took no action to initiate or approve these credit inquiries and consider them fraudulent. I have not had contact with these companies prior to the inquiries, nor have I submitted any applications that would authorize such activity. 

I am requesting that these hard inquiries be investigated and permanently removed from my credit file, as they were not authorized by me and may have resulted from identity theft or unauthorized use of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, multiple hard inquiries were made on my credit report by various companies without my knowledge, consent, or authorization. I did not apply for credit, loans, or financing with any of the companies listed below during that time frame. 

These companies include : XXXX XXXX ( inquiry on XX/XX/XXXX ) XXXX  ( multiple inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) CAP ONE NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  associated with XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ( inquiries on XX/XX/XXXX and XX/XX/XXXX ) XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ) I took no action to initiate or approve these credit inquiries and consider them fraudulent. I have not had contact with these companies prior to the inquiries, nor have I submitted any applications that would authorize such activity. 

I am requesting that these hard inquiries be investigated and permanently removed from my credit file, as they were not authorized by me and may have resulted from identity theft or unauthorized use of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: SC

Complaint narrative:
I am a victim of identity theft and the following accounts are not mine and were unauthorized : XXXX XXXX XXXX.... Account numberXXXX

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 2025-05-17 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:
bXXXX XXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
This company wilfully continues to report incorrect, inaccurate, and misleading information on my credit report since 2020, despite my repeated disputes sent via certified mail. They violated laws regarding their investigation practices. They have continually negatively impacted my credit score and access to credit opportunities.

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 2025-05-17 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: TX

Complaint narrative:
b'Recently I did an investigation on my credit report and found several items on there to be inaccurate.\nUnder 15 U.S. Code 1681e (b)Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.\n15 U.S. Code 1681i (5)Treatment of inaccurate or unverifiable information(A)In general if, 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 cannot be verified, the consumer reporting agency shalli)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.\n\nPlease remove the following items from my credit report, immediately:\n\nEXPERIANXXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
b'Recently I did an investigation on my credit report and found several items on there to be inaccurate.\nUnder 15 U.S. Code 1681e (b)Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.\n15 U.S. Code 1681i (5)Treatment of inaccurate or unverifiable information(A)In general if, 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 cannot be verified, the consumer reporting agency shalli)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.\n\nPlease remove the following items from my credit report, immediately:\n\nEXPERIANXXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. Data Breach XXXX Date of inquiry : XXXX2025 This is not mine. I am a victim of a recent data breach and I have included a police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: CA

Complaint narrative:
Yesterday XX/XX/year> i did a load on XXXX it is XXXX. On there contact it didnt show the interest rate only the monthly payments. But when i approve it thats the time it shown the rate XXXX for XXXX. I was like almost XXXX for interest! I tried to call the many times but its says they were closed. Call back later. I email them also but no response. They are scammer. You can check the other reviews also. They scammed alot of people already.

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