vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: IL

Complaint narrative:
I called Bank of America customer service line to have my money transferred from the old checking to the new checking account and that customer service representative did what she wanted to do with my money and she applied it to my balance assist account and that's not what I requested for her to do. I have talked with over XXXX XXXX  representatives from XX/XX/XXXX until now and have also sat with a bank manager and still don't have my money in my checking account all I'm getting in conversation is we see it and it's still in the balance assist but you should have it in XXXX well I still don't have it.

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 2025-09-18 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your 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 2025-09-18 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:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your 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 2025-09-18 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXXXXXX 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 2025-09-18 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/year> my debit card was compromised. Three charges were made to my account for the following amounts : {$200.00}, {$330.00}, and {$720.00}. I called the Truist fraud department and canceled the compromised card. I was given a provisional credit while the claim was investigated. Truist sent me a letter asking for more documentation. I wrote a statement outlining what happened, along with my report to the federal trade commission. I took this documentation to the branch in person. I then received a letter stating my claim was founded. However, on XX/XX/year> the charge for {$200.00} was debited from my account. I called Truist again. I was told that the charges for {$330.00} and {$720.00} was founded, but the charge for {$200.00} was denied. This was not explained in the letter. These charges were made back to back on the same. This charge is fraudulent and I would like to receive my money back. 
The federal trade commission claim is 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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: VA

Complaint narrative:
Complaint Regarding Rental Screening Dispute Handling Application # XXXX previously # XXXX ( dispute # XXXX ) Dear First Advantage Dispute Team, I am writing to express my frustration with the way my rental screening dispute has been handled. For weeks, I have been trying to obtain an updated report so that my leasing office can move forward with my application, but this process has been made unnecessarily difficult. 

On multiple occasions, I have been forced to sit on hold for XXXX minutes or longer just to reach someone. Most recently, after finally connecting with a representative, I was disconnected without resolution. This experience is completely unacceptable. Not only has this wasted my time, but it has also caused ongoing delays in my housing application. 

This is not the first time I have had to file a complaint about this company, and it is beyond frustrating that I am still dealing with the same lack of responsiveness and professionalism. All I need is an updated copy of my rental screening report something that should have already been resolved weeks ago. 

I am formally requesting : A status update on my dispute and confirmation of when the corrected report will be completed. 

A copy of the updated report emailed to me as soon as possible so I can immediately provide it to my leasing office. 

If I do not receive a timely resolution, I will escalate this complaint to the Consumer Financial Protection Bureau and the XXXX XXXX XXXX  as the service I have received so far is unacceptable. 

I expect a prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
Hello I found a driving tutor from XXXX XXXX. It's a fake account with the name XXXX XXXX ( XXXX ). 
He asked me transfer {$400.00} for full 10 hr package using Cashapp on XXXX XXXX, he didn't show for the lesson XXXX did the trasfer as asked to XXXX XXXX XXXX 
So I promptly reported this to XXXX and Cashapp XXXX found it's a scammer, they have removed the profile as XXXX Cashapp is not reverting my money back, also they not satisfied this was a scam. 

I can give you the emails from scammer ( XXXX XXXX ) and XXXX Kindly ask XXXX to revert my hard-earned money back ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I am submitting this complaint against Barclays BankXXXX  XXXX and the credit reporting agencies XXXX XXXX XXXX XXXX ) for inaccurate, contradictory, and misleading reporting of the following account : Account Details : Account # Balance Past Due Date Opened Last Active Last Payment Reporting Issues XXXXXXXX XXXX XXXX XXXX XXXX {$1200.00} {$1200.00} XX/XX/XXXX / XX/XX/XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX Contradictory reporting across bureaus, inconsistent high credit, conflicting payment histories, dispute status conflicts Description of the Problem : Contradictory Reporting : The account is reported as Charged Off / Collection and also Dispute resolved ; consumer disagrees. 

Inconsistent Balances & High Credit : XXXX  shows {$1200.00} high credit, Experian {$0.00}, XXXX  {$800.00}. 

Conflicting Dates : Date Last Active and Date of Last Payment differ across all three bureaus. 

Payment History Conflicts : Experian reports multiple CO and delinquency days ( 30180 ), while XXXX  reports OK payments for overlapping months. 

Violation of Law : FCRA ( 15 U.S.C. 1681 ) : Maximum possible accuracy not maintained.

FDCPA ( 15 U.S.C. 1692e ) : Misrepresentation of debt status.

New Jersey Law ( N.J.S.A. 56:8-1 et seq. ) : Reporting false, deceptive, or misleading information is prohibited.

Requested Resolution : Conduct a full investigation of this account and provide documentation verifying the accuracy of all reported information. 

If verification can not be provided, immediately delete the account from XXXX XXXX XXXX XXXX 

Provide written confirmation of the investigation results and corrective actions taken. 

XXXX XXXX XXXX reporting practices to prevent future systemic errors.

Supporting Evidence : Attached are my credit reports showing the discrepancies across all three bureaus. 

I request that the CFPB investigate this matter and take corrective action against BarclaysXXXX XXXX and the reporting agencies. If these errors are not corrected, I am prepared to escalate this complaint and pursue all remedies available under FCRA, FDCPA, and New Jersey consumer protection law. 

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 explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
At XXXX I was texted by the number XXXX claiming to have set me up for text communication from Jefferson Captial Systems LLC followed by a text that was claimed to be for " XXXX XXXX which is not me. It said that XXXX payments of {$57.00} will resolve your XXXX XXXX XXXX account. This is not me and is not meant for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am a victim of identity theft. My credit report shows fraudulent accounts and inquiries that I did not authorize, including XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX as well as inquiries from XXXX XXXX and XXXX XXXX XXXX XXXX These negative items do not belong to me and are harming my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: IN

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-18 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Adverse information to be blocked REPORTED INFORMATION Source of Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-09-18 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: NY

Complaint narrative:
On XX/XX/XXXX, I deposited a check in the amount of {$3900.00} into my Chase account.

Following the deposit, I received both email and text confirmations from Chase indicating that the funds were cleared and available for use. Based on these communications, I understood the funds to be finalized and accessible. 

Relying on these confirmations, I proceeded to make purchases and initiated wire transfers totaling {$3300.00}. 

Subsequently, the check was returned unpaid, and the deposit amount of {$3900.00} was reversed from my account. This reversal occurred after I had already relied on Chases notifications and used the funds.

On contacting Chase for clarification, XXXX XXXX informed me that there was nothing she could do and suggested I reach out to the issuing bank, XXXX XXXX. 

As a result of these events, my account was debited for the returned check after transactions were completed in reliance on Chases representations that the funds were available. 

I have been a Chase customer for more than XXXX years and submit this statement for the purpose of documenting the timeline and details of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: SC

Complaint narrative:
I am disputing XXXX XXXX XXXX reporting of a repossession/voluntary surrender on my credit report. The account is inaccurate and unverifiable because XXXX XXXX failed to send legally required pre-sale and post-sale notices to my correct address, despite having my current address documented on the tow paperwork The account was closed on XX/XX/XXXX, yet they verified the reporting with all credit bureaus without providing any supporting documentation. I am requesting immediate deletion of this account and any associated deficiency balance from all credit reporting agencies.

Timeline & Facts : Vehicle was picked up by the tow driver on XX/XX/XXXX, and the tow paperwork shows my current address, which is the address from which the vehicle was towed. 

The account was closed on XX/XX/XXXX. 

XXXX paperwork shows a prior address, but my drivers license reflects my current address, confirming that XXXX XXXX had accurate contact information. 

I emailed XXXX XXXX on XX/XX/XXXX, requesting : Pre-sale and post-sale notices Sale documentation and proof of commercial reasonableness under XXXX Article XXXX Full accounting of any alleged deficiency balance Despite this, XXXX XXXX : Never sent the required notices to my correct address Did not provide any proof of sale or deficiency balance Verified the account with all credit bureaus as accurate, even though it can not be substantiated This reporting is inaccurate, misleading, and violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) and UCC Article 9, which require accurate, complete reporting and proper notice before a deficiency can be claimed or reported.

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 2025-09-18 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: SC

Complaint narrative:
I am disputing XXXX XXXX XXXX reporting of a repossession/voluntary surrender on my credit report. The account is inaccurate and unverifiable because XXXX XXXX failed to send legally required pre-sale and post-sale notices to my correct address, despite having my current address documented on the tow paperwork The account was closed on XX/XX/XXXX, yet they verified the reporting with all credit bureaus without providing any supporting documentation. I am requesting immediate deletion of this account and any associated deficiency balance from all credit reporting agencies.

Timeline & Facts : Vehicle was picked up by the tow driver on XX/XX/XXXX, and the tow paperwork shows my current address, which is the address from which the vehicle was towed. 

The account was closed on XX/XX/XXXX. 

XXXX paperwork shows a prior address, but my drivers license reflects my current address, confirming that XXXX XXXX had accurate contact information. 

I emailed XXXX XXXX on XX/XX/XXXX, requesting : Pre-sale and post-sale notices Sale documentation and proof of commercial reasonableness under UCC Article 9 Full accounting of any alleged deficiency balance Despite this, XXXX XXXX : Never sent the required notices to my correct address Did not provide any proof of sale or deficiency balance Verified the account with all credit bureaus as accurate, even though it can not be substantiated This reporting is inaccurate, misleading, and violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) and UCC Article 9, which require accurate, complete reporting and proper notice before a deficiency can be claimed or reported.

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