vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
XX/XX/year> To Comptroller of the Currency : I am trying to recover XXXX XXXX Dollars that were transferred from the Bank of America ( BOA ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as an intermediary bank with the finale destination being XXXX XXXX XXXX XXXX XXXX XXXX I have successfully made similar transfers to this bank many times in the past without any problems. This transaction was made on XXXX and was a wire transfer which is transferred and usually received on the same day or next business day and has not been received by the destination bank which is XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to verify if the money had been deposited and they had not received it. They informed me at this time that there were new governmental restrictions on XXXX XXXX receiving XXXX Dollars until further notice, and this was the reason for not receiving the money. I then called BOA after talking to XXXX and described the situation with the call center and they confirmed the money had been sent by them and received by XXXX. BOA told me they could issue a recall for the XXXX XXXX Dollars, which is a standard procedure, and the XXXX XXXX Dollars would be returned to my account that it was wired from. I agreed. This process was to take XXXX hours. I checked my account after XXXX hours and the money was never returned. I have made several other calls to BOA and each call ended in the same instruction, wait another XXXX hours and as of XXXX the money has not been returned. On a call I made to the BOA call center on on XXXX I did receive an internal tracking number which BOA and XXXX use to internally reference the transfer and that number is XXXX for the amount is XXXX Dollars. 
I tried to call XXXX for this matter at XXXX only to get hung up on multiple times. I finally went to a BOA branch office at XXXX XXXX XXXX. and talked to a senior banker by the name of XXXX XXXX who told me that since BOA had sent the money and XXXX had received the money, BOA had completed their obligation to me and that I was on my own to get my money returned. I told him this was not correct and he should try to internally escalate this situation to recover the money. 
At this point BOA is telling me they dont know what more they can do other then send emails to XXXX XXXX which they say are not getting answered, and I cant contact anyone at the XXXX XXXX I need your help in recovering my XXXX Dollars and returning it to my BOA account. 

THANK YOU 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 monetary relief
Consumer complaint received 2025-08-14 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am filing this complaint due to multiple fraudulent accounts that were opened in my name without my knowledge or authorization. I strongly believe these unauthorized accounts are a direct result of XXXX XXXX data breach, which comprised my personal information. The following accounts were fraudulently opened in my name : SPRING OAKS CAPITAL XXXX XXXX {$670.00} AND ONLINE INFORMATION SERVICES {$150.00} AND SEVRVAL INQUIRES REGIONAL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I did not apply or give consent or authorize any of these accounts or inquires. I did not give consent the use of any of my personal information. These fraudulent accounts have negatively affected my credit report and have caused significant emotional and financial stress. I am also requesting that involved parties take the necessary steps to ensure I am not held liable for any charges or obligation related to these fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-14 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: CO

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CO

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-08-14 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: ME

Complaint narrative:
I'm contacting you because I recently discovered a credit inquiry on my report that I had no knowledge of, did not authorize, and did not initiate. This inquiry is fraudulent, plain and simple, and it should have never been made under my name. 

I have never applied for credit or given any form of consent to the company that pulled this inquiry. I only found out about it while reviewing my credit report, and Im furious that someone was able to access my personal credit file without my permission. This is not just a mistake it is unauthorized access to my private financial information, and it is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-08-15 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: CA

Complaint narrative:
I am a victim of identity theft and am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, to have fraudulent information blocked from my credit file.

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block this fraudulent information from my credit report within 4 business days of receiving this request, along with the required proof.Once blocked, you may not reinsert the information into my file unless you receive documented confirmation that the account is not fraudulent and you notify me in writing prior to reinsertion ( FCRA 611 ( a ) ( 5 ) ).

If you fail to comply, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office for willful noncompliance.

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 2025-08-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Dovenmuehle Mortgage, Inc.
State: ID

Complaint narrative:
I am a veteran who sold my home in XX/XX/XXXX using a VA loan assumption. The full VA loan assumption package, including VA Form 26-6381 ( Substitution of Entitlement ), was executed by both parties and should have been submitted promptly to the Department of Veterans Affairs ( VA ) so my VA entitlement could be released.

Dovenmuehle Mortgage , Inc. was the servicer at the start of the assumption process and began handling the transaction. However, in the middle of the assumption, Dovenmuehle sold the loan to XXXX XXXX  XXXX. 

Despite no longer servicing the loan, Dovenmuehle has retained some of the required assumption documents and has failed to upload them to the VA via XXXX or provide them to XXXX to complete the process. The VA has confirmed that they have only received partial documentation for my assumption, preventing the release of my entitlement. 

XXXX has confirmed in writing that they took over the assumption process after acquiring the loan, but they have informed me that Dovenmuehle still possesses some of the required documents. Dovenmuehles refusal to transfer or upload these documents has directly delayed the VAs processing of my entitlement release for over a year. 

This delay is now jeopardizing my ability to close on a new home purchase scheduled for XX/XX/XXXX, causing significant financial and personal harm. 

Under VA servicing requirements ( VA Pamphlet 26-7, Chapter 5 ), the lender or servicer responsible for the assumption must promptly submit the complete package to the VA. Selling the loan mid-process does not remove the obligation to ensure the VA receives the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: GA

Complaint narrative:
I am writing to formally dispute accounts appearing on my credit report that I believe were created fraudulently. I respectfully request a thorough investigation and their prompt removal. Supporting documents are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file an urgent complaint regarding the recent and abrupt closure of my Chase account. This action has resulted in my payroll direct deposit being held, creating a significant financial hardship for On XX/XX/XXXX, I received a letter from Chase stating that my account was overdrawn and " may be closing soon. '' This letter further indicated that the bank would " reject the and future deposits. '' The letter did not provide a specific closure date or the necessary information to bring the account current. 

Today, XX/XX/XXXX, I discovered that my account had been closed on XX/XX/XXXX, just one day prior to my scheduled payroll direct deposit. This timing effectively prevented me from using my incoming wages to cover the negative balance and keep the account open. 

I have since confirmed that the payroll deposit from my employer, made on XX/XX/XXXX, is currently pending. While the bank 's letter threatened to reject future deposits, a Chase representative has since informed me that the deposit is being held, not rejected.

However, the bank has given me only two options to access my funds : open a new account or wait for a cashier 's check, which may take XXXX business days. This delay is unacceptable, as it prevents me from accessing my earned wages. 

My primary concerns are : Lack of Due Process : Chase closed my account immediately before a known, recurring payroll deposit, which is a clear and verifiable source of funds. This action demonstrates a lack of fair process, as I was not given a reasonable opportunity to address the situation before the account was closed. 

Contradictory and Misleading Information : The bank 's written communication stated that deposits would be rejected, which was inconsistent with the bank 's current action of holding the funds. This contradictory information has caused confusion and demonstrates a failure in clear communication. 

Withholding of Wages : My payroll deposit, which is my livelihood, is being held by the bank. The proposed resolution of a XXXX day wait for a cashier 's check is an unreasonable and harmful delay for a consumer to access their wages. 


Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I continue to be contacted by Aldous and Associates for a debt that I do not owe them. They threatened to damage my credit if I didn't make a payment. They have also been contacting me even after I opted out and asked not to be contacted by them again via a cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
The inclusion of this late payment does not accurately portray my credit behavior. I respectfully request its removal after review.

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 2025-08-15 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX credit balance {$23000.00}, XXXX card balance {$15000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX credit balance {$23000.00}, XXXX card balance {$15000.00}

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 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a letter in the mail from Citi Bank informing me that my previous dispute was honored in my favor and a cashier 's check mailed to me. The case number was : XXXX. 
The amount of my completed dispute was {$2000.00} I have contacted Citi bank XXXX times between XX/XX/year> and XX/XX/year> inquiring about my check. I was told that it was mailed to me on XX/XX/XXXX but I have never received it. Citi bank confirmed that the check was never delivered or cashed. 

Everyday that I call, i am told that my concern has been escalated to the back office but they have not responded yet. I am always told to call back in XXXX to XXXX hours. They never respond and has even told me not to visit a branch. The department that issued my check does not have a phone number and can not be contacted. Citibank has held my money for 2 months. My account has been closed since XXXX of XXXX  Citibank is holding {$2000.00} of my money without cause and will not give it back.

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 2025-08-15 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:
I am filing this complaint because the consumer reporting agency has failed to fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact details of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law. This failure to respond constitutes a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief