vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Friday, XXXX XXXX XXXX, my wife issued a personal check for {$4500.00} to an individual ( payee ) from our joint Bank of America account. The payee attempted to cash the check at the XXXX XXXX XXXX, FL branch on Saturday, XX/XX/XXXX. Despite being drawn on a Bank of America account with sufficient funds, the check was refused solely because the payee was not a Bank of America customer and the amount exceeded {$4000.00}. 

A Bank of America employee endorsed the back of the check before refusing payment, rendering the check non-negotiable and unusable at other banks. This effectively trapped the funds and left the payee with no way to access the money. 

The payee was scheduled to leave the country on a cruise and was delayed over two days as a direct result. My family was out of town and forced to cut our trip short to deal with the fallout. After multiple escalations through XXXX XXXXXXXX XXXX Help Desk and client services, we were forced to use XXXX XXXX on Sunday, XX/XX/XXXX to deliver fundsan option which was initially denied as well, requiring yet another call to the bank to authorize the transaction. 

This incident caused significant stress, financial delay, and out-of-pocket cost. We paid {$8.00} to complete the money order. At no point did Bank of America provide a timely explanation, internal resolution, or accountability for the error despite our Platinum Preferred status. 

Images of the check ( front and back ) showing the endorsement were uploaded with this complaint.

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 2025-07-15 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: FL

Complaint narrative:
I am writing to formally document that Equifax has denied my repeated requests to validate and remove fraudulent items that have remained on my credit report for over a year. I have provided multiple pieces of supporting documentation, including official Police Reports and identity theft verification from the XXXX XXXX. Despite this, Equifax has failed to properly investigate or acknowledge my claims, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I am now demanding that all fraudulent and unverified items be immediately removed from my credit report. Continued failure to comply will leave me no choice but to pursue further legal and regulatory action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I solemnly affirm. Under the risk of legal consequences that i am making an allegation against an individual or a company. According to this claim, they utilized my security number and card, along with other personal identifying information, without my consent, to apply for goods, services, or funds, unfortunately, they succeeded in creating several accounts through this unauthorized action. I want to emphasized that i have no knowledge of these activities, and the matter is currently under investigation by the FTC.Unauthorized Accounts.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 2025-07-14 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: WA

Complaint narrative:
On XXXX XXXX XXXX I made a {$3000.00} payment from my Bank of America business checking account via Bill Pay to pay down my business credit card ending in XXXX. The payment confirmation number is XXXX. 

Instead of applying the payment to my business credit card, Bank of America applied it to an Ownership Rewards Platinum Plus credit card ending in XXXX. This card is technically classified as a consumer product, but it was presumably created and linked to my business profile when I opened my corporate account in XXXX. I never activated or used the card, and I never knowingly set it up as a payee. Because it appeared in my business online banking Bill Pay options, the payment was inadvertently sent there. 

I have spent an entire day speaking to 10 different representatives in consumer products, business credit cards and two fraud departments. No one has been able to resolve the issue, reallocate the funds or issue a provisional credit. Each department insists the other is responsible. I have been repeatedly transferred between business credit card servicing, consumer credit card servicing, fraud servicing, and payment research with no resolution. The payment has left my checking account and is not accessible to me. Meanwhile, I am incurring late fees, interest, and risk of credit damage on my business card due to this error. 

I am requesting : Immediate reallocation of the {$3000.00} payment to my business credit card ending in XXXX Reversal of all fees and interest charges incurred as a result of this error Protection from negative credit reporting while this is resolved Confirmation of the resolution in writing

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 2025-07-14 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: CA

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies for including fraudulent inquiries on my credit file, which I did not authorize. These inquiries are related to : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) These inquiries were not made or authorized by me and are the result of identity theft, as documented in my FTC Identity Theft Report. 



Legal Violations Cited : 1. FCRA 604 ( a ) ( 3 ) ( 15 U.S.C. 1681b ) : Only permissible users may access a consumers credit report. These entities did not have a permissible purpose to access my credit file.

2. FCRA 611 ( a ) ( 15 U.S.C. 1681i ) : I have a right to dispute any inaccurate or unauthorized information and have it investigated and corrected or deleted within 30 days.

3. FCRA 605B ( 15 U.S.C. 1681c-2 ) : Upon submitting an identity theft report, the CRAs are required to block fraudulent information from my file within 4 business days.

Relief Requested : 1. Immediate deletion of all the listed fraudulent inquiries from my credit reports with Equifax, XXXX  and TransUnion.

2. Written confirmation from each credit bureau stating these inquiries have been permanently removed. 
3. Assurance that no reinsertions will occur, unless full legal compliance with FCRA 1681i ( a ) ( 5 ) ( B ) is met, including advance written notice.

4. Placement of an extended fraud alert and/or security freeze on my credit reports at no charge. 
XXXX. Investigation into how these inquiries were initiated, and full accountability from the furnishers involved. 



I request that the CFPB investigate this matter and ensure the credit reporting agencies comply with federal consumer protection laws.

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 2025-07-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: SC

Complaint narrative:
I initiated an XXXX of {$25.00} and with agreed upon fees would pay back {$30.00}. The company believes that I have no way of doing an ACH Revocation because it was a singular payout and by accepting it offers me no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MO

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am seeking your help to begin an investigation into the accounts listed, as they are being inaccurately reported on my credit report. In accordance with USC 1681g, I formally request their removal within the next 15 days. Relevant documentation is enclosed for your evaluation. It is also important to note that the reported details are inconsistent and incorrect across the credit reporting agencies.

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 2025-07-14 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: CA

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies for including fraudulent inquiries on my credit file, which I did not authorize. These inquiries are related to : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) These inquiries were not made or authorized by me and are the result of identity theft, as documented in my FTC Identity Theft Report. 



Legal Violations Cited : 1. FCRA 604 ( a ) ( 3 ) ( 15 U.S.C. 1681b ) : Only permissible users may access a consumers credit report. These entities did not have a permissible purpose to access my credit file.

2. FCRA 611 ( a ) ( 15 U.S.C. 1681i ) : I have a right to dispute any inaccurate or unauthorized information and have it investigated and corrected or deleted within 30 days.

3. FCRA 605B ( 15 U.S.C. 1681c-2 ) : Upon submitting an identity theft report, the CRAs are required to block fraudulent information from my file within 4 business days.

Relief Requested : 1. Immediate deletion of all the listed fraudulent inquiries from my credit reports with Equifax, XXXX  and TransUnion.

2. Written confirmation from each credit bureau stating these inquiries have been permanently removed. 
3. Assurance that no reinsertions will occur, unless full legal compliance with FCRA 1681i ( a ) ( 5 ) ( B ) is met, including advance written notice.

4. Placement of an extended fraud alert and/or security freeze on my credit reports at no charge. 
XXXX. Investigation into how these inquiries were initiated, and full accountability from the furnishers involved. 



I request that the CFPB investigate this matter and ensure the credit reporting agencies comply with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
Inaccurate late payments. I am disputing this account pursuant to 15 U.S.C 1666 ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: MI

Complaint narrative:
I have previously disputed XXXX, XXXX and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Auto Advantage Finance, LLC
State: TX

Complaint narrative:
I am submitting this complaint to dispute an illegal wage garnishment being pursued against me by the law firm XXXX XXXX XXXX XXXX in XXXX XXXX. XXXX ( XXXX XXXX XXXX. 

I am a legal resident of Texas and have been since 2022. Under Texas law, wage garnishment for consumer debts ( such as an auto loan deficiency ) is strictly prohibited except for narrow exceptions like child support, taxes, or federal student loans. This judgment does not fall within any of those exceptions. 

Despite this, XXXX XXXX XXXX XXXX initiated wage garnishment against my employer, XXXX XXXX XXXX XXXX XXXX My wages began to be withheld without my knowledge or consent. I was never personally served with the underlying lawsuit or judgment in Oklahoma. The service was sent to an old address in Oklahoma where I have not lived since moving to Texas. As a result, I had no notice of the lawsuit and was denied any opportunity to respond or defend myself in court, violating my due process rights. 

My employers corporate headquarters and payroll department are in Georgia, but I live in Texas and am based in XXXX, Michigan for my work. I have never worked or lived in Oklahoma since relocating. 

For over six months I tried to resolve this matter by calling XXXX XXXX XXXX XXXX. Every time I called, a staff member refused to let me speak to an attorney and instead insisted the garnishment was valid. They ignored my repeated explanation that I am a Texas resident and that Texas law prohibits garnishment for this type of debt. 

I have now filed a Motion to Quash in the issuing Oklahoma court contesting jurisdiction and the validity of the garnishment order. 

Despite this, the law firm continues to pursue garnishment in clear violation of Texas state protections for residents. They are knowingly attempting to collect a debt through wage garnishment that is not legally enforceable here. 

I am requesting that the CFPB investigate this law firms practices for potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and take appropriate enforcement action. 

Desired resolution : Cease all wage garnishment. 
Refund all wages improperly withheld. 
Ensure XXXX XXXX XXXX XXXX ceases attempting to garnish wages for consumer debts in violation of Texas law. 

Thank you for your attention to this complaint. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. These errors are causing ongoing harm to my financial well-being during an already challenging time.

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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: NY

Complaint narrative:
I respectfully demand the immediate deletion of the unverified NATL RECOVER collection now appearing only on my XXXX XXXX XXXX files ( deleted already from XXXXx ), account number XXXXXXXX XXXX XXXX XXXX XXXX balance USD XXXX because, under 809 ( b ) of the Fair Debt Collection Practices Act and 611 of the Fair Credit Reporting Act, a furnisher must cease reporting a debt that has been timely disputed when it can not produce complete validation ; after receiving my Debt-to-Collector ( DTC ) request on XX/XX/year>XXXX XXXX XXXX XXXX confirmed delivered by certified mail XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX failed to provide a single supporting document within the statutory 30-day window, yet continues to report the balance, damaging my creditworthiness and violating 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681s-2 ( b ). Because the debt remains wholly unsubstantiated, the only fully compliant remedy is permanent removal of this tradeline from every bureau to which it was furnished, plus written confirmation of the deletion within ten ( 10 ) business days ; anything less perpetuates an unlawful entry and the financial and emotional harm it causes.

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 2025-07-14 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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