vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Dear Bank of America XXXX XXXX and XXXX XXXX, This letter serves as a formal escalation of my ongoing complaint concerning no response communication issue. All my emails to the XXXX XXXX team for the past XXXX months have not been answered. On XX/XX/XXXX, I received an email from the Bank of America XXXX XXXX team requesting further information regarding this matter. 

In response to their request, I promptly sent an email to the XXXX XXXX team on XX/XX/XXXX, providing the information they sought. Despite this timely response, I received no acknowledgement or further communication from the team. 

Subsequently, seeking an update on my case, I sent follow-up emails to the Bank of America XXXX XXXX XXXX XXXX XX/XX/XXXX, and again on XX/XX/XXXX. To date, none of these email responses have been acknowledged or answered. 

The lack of response from the XXXX XXXX team is unacceptable and demonstrates a significant failure in customer service and complaint resolution. I provided the requested information promptly and have made multiple attempts to engage with the team, all without success. This silence leaves my original complaint unresolved and causes further frustration and concern. 

I request immediate attention to this matter, including : An explanation for the failure of the XXXX XXXX team to respond to my emails of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Direct communication from a representative who can provide a resolution to my outstanding complaint. 

I expect a prompt response to this escalated complaint outlining the steps that will be taken to rectify this situation and address my original concerns. I can be reached at XXXX Sincerely, 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 monetary relief
Consumer complaint received 2025-04-15 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: MA

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

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 2025-04-15 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: MA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: MA

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

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 2025-04-15 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: MA

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This account has always been paid as agreed and on time, without exception. Whats currently being reported is not only inaccurateits a clear violation under 15 U.S.C. 1666B, which protects against billing errors of this nature.

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 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: OH

Complaint narrative:
This is a recurring issue. 
I wanted to transfer funds to my XXXX XXXX XXXX. I usually use my bank account but this takes a few days. She needed funds quickly so I used my credit card which should take less than an hour according to wise. 
My credit card was charged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and she has still not received the funds. I have called Wise multiple times and it is a " technical issue ''. They can refund my money but it would take 10 business days. Sure they can take my money in a minute, but it takes 10 days to return it. 

I believe Wise is holding the money as long as they can so they can earn interest.I am going to try XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX/XXXX/2024

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 2025-04-15 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-15 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: GA

Complaint narrative:
Subject : Formal Dispute of Unauthorized Hard Inquiries Under the Fair Credit Reporting Act Dear [ Equifax/Experian/TransUnion ], I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report under specific, permissible purposes and with the consumers knowledge or consent. 

Upon reviewing my credit report, I found multiple ( ten or more ) inquiries that I do not recognize and for which I did not provide written authorization. The inquiries listed below are in question : 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 XXXXXX/XX/year> I am requesting that you initiate an investigation into each of the above inquiries in accordance with the FCRA and remove any that are found to be unauthorized or without proper permissible purpose. If any of the entities listed claim to have had authorization to access my credit report, I request that you provide a copy of the original signed authorization or application bearing my signature within five ( 5 ) business days for my review. 

This is my third attempt to resolve this matter, and I have not received a response. Please consider this letter a formal dispute of the inquiries listed above and take the appropriate steps to investigate and correct my credit file as required by law. 

I appreciate your prompt attention to this matter and look forward to your written response confirming the outcome of your investigation. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
Subject : Complaint regarding fund withholding Transfer on XX/XX/year> On XX/XX/year>, I used the PayPal platform to make a {$250.00} transfer from my XXXX XXXX XXXX account. Upon completing the transaction, I noticed that PayPal indicated the funds would be available on XX/XX/year>, which did not help my urgent need. 

Therefore, I attempted to cancel the transaction just a few hours later, but PayPal informed me that it could not be canceled. On XX/XX/year>, my bank, XXXX XXXX XXXX, completed the electronic transfer to PayPal. 

Today, XX/XX/year>, I contacted PayPal again, and they now claim they have not received the money. However, I have confirmed with my bank that the transfer was successfully processed. The information provided by PayPal employees has been misleading and, in several cases, false. 

I am a XXXX XXXX woman with a catastrophic illness, and I urgently need access to my money. I find it completely unfair and arbitrary that PayPal is withholding my funds without justification, directly affecting my well-being. 

I would greatly appreciate any help you can provide, as I feel defenseless against a company that is playing with its customers ' money. 

Thank you in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
I was told that recovering the lost funds was impossible and that tracking the transactions couldnt be done. However, the CFPBs findings reveal a troubling pattern : Zelle has failed to protect its users and has enabled repeat offenders to exploit the platform, leaving consumers exposed to scams. This lack of accountability and transparency is deeply concerning and highlights serious issues regarding user safety. I paid {$250.00} for a service, and less than a couple of months later, an issue arose. I wasnt even given the opportunity to request a refund or dispute the charge with my bank, which left me extremely disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Formal Dispute of Unauthorized Hard Inquiries Under the Fair Credit Reporting Act Dear [ Equifax/Experian/TransUnion ], I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report under specific, permissible purposes and with the consumers knowledge or consent. 

Upon reviewing my credit report, I found multiple ( ten or more ) inquiries that I do not recognize and for which I did not provide written authorization. The inquiries listed below are in question : 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 XXXXXX/XX/year> I am requesting that you initiate an investigation into each of the above inquiries in accordance with the FCRA and remove any that are found to be unauthorized or without proper permissible purpose. If any of the entities listed claim to have had authorization to access my credit report, I request that you provide a copy of the original signed authorization or application bearing my signature within five ( 5 ) business days for my review. 

This is my third attempt to resolve this matter, and I have not received a response. Please consider this letter a formal dispute of the inquiries listed above and take the appropriate steps to investigate and correct my credit file as required by law. 

I appreciate your prompt attention to this matter and look forward to your written response confirming the outcome of your investigation. 

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 2025-04-15 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: GA

Complaint narrative:
Subject : Formal Dispute of Unauthorized Hard Inquiries Under the Fair Credit Reporting Act Dear [ Equifax/Experian/TransUnion ], I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report under specific, permissible purposes and with the consumers knowledge or consent. 

Upon reviewing my credit report, I found multiple ( ten or more ) inquiries that I do not recognize and for which I did not provide written authorization. The inquiries listed below are in question : 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 XXXXXX/XX/year> I am requesting that you initiate an investigation into each of the above inquiries in accordance with the FCRA and remove any that are found to be unauthorized or without proper permissible purpose. If any of the entities listed claim to have had authorization to access my credit report, I request that you provide a copy of the original signed authorization or application bearing my signature within five ( 5 ) business days for my review. 

This is my third attempt to resolve this matter, and I have not received a response. Please consider this letter a formal dispute of the inquiries listed above and take the appropriate steps to investigate and correct my credit file as required by law. 

I appreciate your prompt attention to this matter and look forward to your written response confirming the outcome of your investigation. 

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 2025-04-15 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: Affirm Holdings, Inc
State: TN

Complaint narrative:
What happened : I took out a {$4500.00} loan through Affirm on XX/XX/year>, to retain legal services from XXXX XXXX XXXX in XXXX, TN. I canceled the services the very next day ( XX/XX/XXXX ), after the legal matter was resolved, and was told by the firm in writing that I would receive a refund, minus any minimal fees incurred. 

Affirm confirmed that the full loan payment was sent to the law firm, but no refund has been issued. More than a month later, I received a bill from the firm for {$530.00}, which included {$310.00} for XXXX hours of basic administrative/legal time and {$220.00} in unexplained transaction fees. These fees were not properly disclosed or explained in the agreement I signed. 

I did not receive {$4500.00} worth of servicesonly XXXX hours of communication and brief drafting that occurred before I canceled. Despite that, the law firm kept the entire loan amount, and Affirm is holding me responsible for repaying the full loan. 

I submitted a dispute to Affirm, but I was never notified of the resolution, never given a chance to provide additional documentation or escalate the case, and was simply told by the law firm that the dispute had been resolved in their favor. I had no opportunity to respond. 

I have filed a complaint with the Better Business Bureau and am preparing a formal complaint to the Tennessee Board of Professional Responsibility regarding the law firms conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: OH

Complaint narrative:
I am writing to formally notify you and the Credit Reporting Agencies ( CRAs ) that a charge-off account originally reported by XXXX XXXX XXXX XXXX XXXX which was reflected on my XXXX credit report, was deleted following a dispute I initiated. The investigation into the disputed account was completed on XX/XX/year>, and XXXX has confirmed that the account was removed from my credit report. 
In accordance with the Fair Credit Reporting Act ( FCRA ), which mandates that any information reported to the credit bureaus must be accurate and verifiable, I request that the CRAsExperian, XXXX, and XXXXalso remove this unverifiable debt from my credit report. XXXX has already deleted this account from my file, and as such, I expect the same action to be taken by the other credit bureaus within 30 days of this notice, or as stipulated by consumer protection laws. 
Under the FCRA, you are required to ensure that all information on my credit report is accurate, complete, and verifiable. If an account is found to be unverifiable, you must delete it from my credit report. If this account continues to appear on my report despite the deletion from XXXX, I will pursue all available legal remedies, including but not limited to filing a lawsuit for violations of the FCRA, as outlined in Section 1681i of the FCRA, which mandates that disputed items be corrected or deleted if they can not be verified. 
Furthermore, I would like to reference Section 1681e ( b ), which states that the CRAs must follow reasonable procedures to ensure the accuracy of the information they report. The inability of XXXX XXXX XXXX XXXX to verify this account has already been confirmed by XXXX, and as such, I expect the other credit bureaus to comply with the FCRA and remove this unverifiable debt from my report. 
If the account is not removed from my credit report within 30 days, I will consider legal action, which may include filing a claim for damages under Section 1681n of the FCRA, which provides for civil penalties in the event of willful violations of the law. Additionally, I reserve the right to seek compensation for any harm caused by the continued presence of this unverifiable debt on my credit report, including damage to my credit score, reputational harm, and emotional distress. 

Please consider this letter as a formal request for immediate removal of the unverifiable debt from my credit report. I expect a response within the timeframes required by law. 


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