vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX, Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$57.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-28 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6400.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} INQUIRIES : XXXX XXXX OF Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am requesting that Bank of America reinstate the {$4000.00} credit that was temporarily issued during the investigation of my fraud claim, which they later denied without providing sufficient evidence. 

While I did receive direct deposits from my employer, I made no withdrawals or transactions from the time I opened the account in XX/XX/XXXX through XX/XX/XXXX. The {$4000.00} withdrawal on XX/XX/XXXX, was not authorized by me. I immediately reported my debit card lost/stolen, and followed all required steps under Regulation E.

I have requested ATM camera footage more than three times, but Bank of America has never provided any surveillance images, videos, or verification of identity tied to the transaction. I was told the camera was not working, yet the bank still denied my claim without supplying any concrete evidence that I accessed the funds. 

Despite these gaps, the bank has refused to conduct a proper, transparent investigation. I requested a more thorough review and documentation, but they continue to deny the claim and have not satisfied their legal obligation under Regulation E, which places the burden of proof on the bank. 

I respectfully request the CFPB to : Urge Bank of America to conduct a deeper investigation, or Reinstate the {$4000.00} credit, or Provide all internal documentation used to deny the claim, including any ATM logs, access records, or fraud decision criteria. 

I am seeking a fair and lawful resolution, and I believe this case was mishandled due to lack of due diligence and failure to provide transparency.

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 2025-07-28 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These entries are incorrect and violate the Fair Credit Reporting Act ( [ 15 USC 1681e ] ( b ) ), which ensures the accuracy of consumer information reported.

Additionally, your agency has disclosed my private information without my authorization, violating [ 15 USC 1681b ] ( a ) ( 2 ) and infringing upon my privacy rights as per [ 15 USC 1681 ] ( a ) ( 4 ).

I respectfully request the removal of these inaccuracies from my consumer file. If these issues are not addressed promptly, I will have to consider taking legal action to protect my rights.

These violations are categorized as Aggravated Identity Theft under [ 18 USC 1028A ] ( a ) ( 1 ),

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 2025-07-28 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Regarding credit application # XXXX On XX/XX/XXXX a representative for XXXX XXXX XXXX XXXX, XXXX named XXXX XXXX XXXX XXXX XXXX, came to my home to provide information on XXXX XXXX XXXX XXXX ' filtration systems. He advised me that I would need to apply for financing through Wells Fargo and there would be a soft credit inquiry. I advised XXXX that I did not want any hard inquiries on my credit report. XXXX assured me that if I was not approved there would not be a hard inquiry from Wells Fargo, but instead, I would be presented with another company to choose from and if I selected that offer then there would be XXXX hard inquiry total. I was emailed a credit application link directly from XXXX 's XXXX to my email address. After clicking the link, the screen indicated that " this would be a soft inquiry and would not impact my credit score. '' I proceeded with the application and was denied by Wells Fargo.

I was then presented with another financing options with Service Financing company, which I was also told would be a soft inquiry unless I proceeded with the offer. I applied to Service Protection and was approved at a 9.99 % interest rate and then the website froze. After XXXX went outside to my backyard to speak with his business colleague he came back inside and the screen on the computer started working again. Then I was presented with a different offer of 14 % which I did not want. 

The weekend after XXXX was at my home I advised him that there was a hard inquiry from Wells Fargo on My credit report even though I was denied. XXXX said that shouldn't have happened because there's only a hard inquiry when I'm approved. I asked XXXX to get this removed. He told me to call the customer care number on his business card. I did just that and spoke with " XXXX '' on XX/XX/XXXX who opened ups ticket and sent it to the local XXXX office to fix. They didn't respond to me. I called back the customer care number on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and each time was told that the corporate office was sending over another request and including the sales manager and other managers to call me back about this matter. I never received a response. 

Wells Fargo, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ' representative XXXX XXXX XXXX have engaged in Deceptive business practices according to Section 32.42 of the Texas penal code. And they have violated my consumer rights of the FCRA by performing an impermissible hard credit inquiry on my credit report according to U.S. Penal code 15 U.S.C. 1681b.

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 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I bought XXXX XXXX XXXX XXXX XXXX XXXX  from XXXX XXXX in XXXX  Wisconsin on XXXX XXXX for {$22000.00}. Before I wired money I contacted XXXX XXXX XXXX  to try verify if it's legit company. XXXX would not elaborate.I wired money to XXXX XXXX with XXXX XXXX XXXX XXXX ( XXXX ) of XXXX XXXX told me delivery by XXXX XXXX should be on XX/XX/XXXX. But NO delivery at all. Then XXXX  XXXX said XXXX had crashed my SUV. They will have to refund me + {$600.00} for my troubles. But NO refund at all. Now they refused to talk or refund my money. 
I have filed Fraud Scam claim with my Capitol bank but no resolution. My mom XXXX XXXX when SUV not delivered and had to go to XXXX  checkup. I kept waking up many times at nite sweating. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MN

Complaint narrative:
I sent a letter to XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX on XX/XX/year> via certified mail. The letter was signed for in XXXX XX/XX/year>. I have not received any information on the debt totaled at {$2000.00} that appeared on my credit report. I also mentioned in the letter that Jefferson Capital Systems never once tried to contact me about the debt and the account just showed up on my report in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
Inaccurate Credit Reporting by Equifax XXXX XXXX XXXX FCRA Violation -- - What happened : I originally disputed inaccurate late payments reported on my XXXX  XXXX credit card account ( ending in XXXX XXXXXXXX ). Specifically, Equifax was showing my account as XXXX, XXXX, XXXX, and XXXX  days late between XX/XX/XXXX and XX/XX/XXXX, despite the account being paid in full in XX/XX/XXXX. 

As evidence, I submitted : A screenshot from the XXXX  XXXX app showing the full payment made in XX/XX/XXXX A matching bank transaction verifying the payment date and amount Despite this, Equifax did not correct the late payments. 

Even worse, after my initial dispute, Equifax retroactively altered my positive payment history on a different account, for the dates XX/XX/XXXX to XX/XX/XXXX, changing it from Current to No Data Available or Unknown, even though those payments were made on time and previously reported accurately. 

This appears to be retaliatory or an attempt to obscure accurate data, and it violates the Fair Credit Reporting Acts requirement to report complete and accurate information. 


-- - What Im requesting : Immediate removal of the inaccurately reported late payments ( XXXX XXXX XXXX ) Restoration of the accurate payment history from XX/XX/XXXX to XX/XX/XXXX OR full deletion of the tradeline if XXXX XXXX can not verify accurate records -- - Companies involved : Equifax XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-28 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your 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 explanation
Consumer complaint received 2025-07-28 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I have been a Bank of America customer for 19 years with a strong account history. On/around XX/XX/year>, I opened a joint checking account with my fianc to manage household bills. I funded it with {$5000.00} from my long-standing Bank of America account XXXX On XX/XX/year>, I received a suspicious voicemail from a number claiming to be Bank of America Fraud. To verify, I called the official customer service line ( XXXX ) and was told there was no fraud on my account. Based on that, I did not respond to the voicemail. 

On XX/XX/year>, I received another call from the same number and again declined to engage, citing the earlier confirmation. Later that day, I discovered the new account had been frozen. I called customer service and was informed the account was under review for closure. Despite explaining the situation and following all instructionsincluding visiting a branch with my fianc to verify our identitiesthe bank refused to reopen the account or release the funds. I was told that the funds should be returned to me via official check on or before XX/XX/year>. 

On XX/XX/year>, I received a letter stating the account was closed and the funds were frozen indefinitely, with no return date provided. 
I believe this situation violates UDAAP : Deceptive : I was told there was no fraud, which led me to reasonably believe no action was needed. 
Unfair : My funds were frozen without a fair opportunity to respond, causing financial harm as the money was intended for bill payments. 
I request the CFPB to investigate this matter and assist in the release of my funds. Thank you.

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 2025-07-28 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: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
This complaint concerns a new and separate legal violation that occurred after Trident Asset Management responded to my original CFPB complaint. 

Following that response, I filed a formal consumer arbitration through the XXXX XXXX XXXX XXXX XXXX XXXX, case # XXXX, in accordance with their contractual obligation and XXXX XXXX XXXX Rules. Trident was notified on XX/XX/year>, and was required to pay its portion of the arbitration fees within 30 days under XXXX XXXX XXXX XXXX XXXX XXXX. 

Trident failed to pay the required arbitration fees. As a result, on XX/XX/year>, the XXXX administratively closed the case, citing Tridents noncompliance. Under XXXX  law, this constitutes a waiver of their right to compel arbitration. 

Despite their failure to participate in arbitration, Trident continues to report inaccurate and disputed information on my credit reports. Their refusal to correct the tradeline or participate in a resolution process is willful and harmful. 

I am now preparing to file a civil lawsuit in XXXX  XXXX XXXX to pursue damages and a court-ordered deletion. This complaint is being submitted to document the companys continued noncompliance and to give them one final opportunity to resolve the matter without litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I believe these are reporting inaccurately - verify that this belongs to me- Give me a written response to how you retrieve info on this account and send documentation back as well. 

We would like to kindly remind you of the importance of removing unproven or inadequately supported claims.

Company response to consumer: Closed with non-monetary relief