vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: NV

Complaint narrative:
I am disputing a XXXX  XXXX XXXX charge-off being reported inaccurately by Experian. The balance was updated on XX/XX/XXXX, but no payment or activity has occurred since XXXX. This violates FCRA 15 U.S.C. 1681i, which requires credit information to be accurate and verifiable. It also goes against Metro 2 compliance standards for credit reporting. Additionally, the account is listed as remaining on my credit file until XX/XX/XXXX, which exceeds the XXXX limit from the original delinquency in XXXX. I have already disputed this with Experian, and it was verified without correcting these errors. I request immediate deletion or full reinvestigation.

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 2025-07-07 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I sent the following to Wells Fargo : I am writing to formally dispute an unauthorized transaction involving the withdrawal of funds from my checking account ending in XXXX to pay off a business credit card account ending in XXXX, that was already closed and charged off last year .This action was taken without my authorization and in violation of the Truth in Lending Act ( TILA ), as well as any applicable state laws governing unfair or deceptive banking practices. 
On XX/XX/year>, I discovered my account which shouldve have $ XXXX {$14000.00} in it, was depleted overnight and was showing only {$1000.00}. After calling in rage and desperation, I was informed by XXXX in your XXXX XXXX  department, that Wells Fargo took the action of appropriating over {$12000.00} from my personal checking account to pay the balance on the credit card that in her own words, was closed and charged off about XXXX months prior. Again, Wells Fargo criminally stole from my checking account to satisfy a debt on the credit card, which was previously closed and charged off. I did not authorize this transfer, nor was I properly notified in advance. 
=== Instead of responding to my complaint as outlined, they sent a letter saying they completed processing my claim of fraudulent activity on my credit card ending in XXXX, but I never ever submitted a fraud complaint, which means they completed fraud by illegally creating a fake claim on my behalf. 

After I raised a second complaint, they all of a sudden I received a letter saying they were suing me for the balance of the same card for which they created the fake claim of fraud on my behalf against my authorization. The letter I'm attaching outlines the disturbing pattern of repeatedly violating my consumer rights. They've gone so far as doubling down on their claim that they don't have to abide by Truth in Lending Act ( 15 U.S.C. 1601 et seq. ).

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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: FL

Complaint narrative:
We moved to XXXX  from XXXX. We hired a XXXX  to get our race car down to XXXX. We signed a contract for XXXX dollars to pay the XXXX  with a XXXX deposit down. We scheduled the day for pick up. Day of XXXX  never showed up. My husband called and was told oh our price changed to XXXX because this places drivers were being pulled over XXXX XXXXXXXX because of Trump and his drivers were slim that spoke XXXX. We stated we would not pay more than our contract said that this was the agreed upon amount. And therefore we would be using another company. XXXX refused to give us back our XXXX deposit stating we broke our contract. We never broke our contract they did by not showing up to pick the car up and then changing the price. We tried to work with the XXXX  with no luck. Filed a dispute with our bank and they told us our dispute was denied bc they couldnt recover the funds! Thats their job to recover the funds for us. They are to protect a persons assets which is why people put their money with a bank. They arent protecting our funds and basically told us nothing we can do we are just out the money or can file. A lawsuit, this isnt ok the bank should refund our money and go after this XXXX, we are disgusted and upset and will be closing our account with PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Please see Description of XXXX XXXX XXXX complaint submitted as well as attachments of XXXX XXXX XXXX and their following creditors. 
1. Capital One Bank USA XXXX XXXX XXXX XXXX XXXX 2. Capital One Bank USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

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 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 2025-07-07 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: GA

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

FRAUDULENT ACCOUNT : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX  UNAUTHORIZED INQUIRY : XXXX 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 non-monetary relief
Consumer complaint received 2025-07-07 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 non-monetary relief
Consumer complaint received 2025-07-07 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: OH

Complaint narrative:
I am requesting that this XXXX account be removed immediately from my credit report. If the bureaus can not correct and verify consistent, accurate, and complete information with the original creditor, the account must be removed immediately. 
Please complete your reinvestigation and provide confirmation of the deletion once finalized. I can attached supporting screenshots for reference

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
in XXXX  I received a call claiming it was XXXX XXXX XXXXXXXX not knowing it was a scam and they asked for my name and social security number and I innocently gave it to them and from then on I've been flagged and I'm unable to open any other bank accounts or credit union accounts. this issue has really affected me and I'm hoping I can get it resolved as soon as possible.

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

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 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 2025-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Management Holdings, LLC
State: NY

Complaint narrative:
Product : Debt Collection Issue : Communication tactics Company : Credit Management Company Phone Number : ( XXXX ) XXXX Complaint : This is a follow-up to my previous complaint submitted on XX/XX/XXXX regarding Credit Management Company ( CMC ). Despite my written cease and desist requests and the companys claim that they would cease contact, I have continued to receive harassing phone calls. 

In addition to the cease and desist letters I sent on XX/XX/XXXXXXXX XXXX and XX/XX/XXXX, I also sent letters disputing and requesting no further contact for new accounts on the following dates : XX/XX/XXXXXXXX  for accounts # XXXX, # XXXX, and # XXXX XX/XX/XXXXXXXX  for account # XXXX These letters clearly requested that all communication cease, as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Despite this, I received three additional phone calls from CMC at ( XXXX ) XXXX on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These calls are in direct violation of my repeated written requests. The company previously claimed they had no record of my letters, which is false. I have retained copies of all correspondence for legal purposes. 

This ongoing behavior is not only unethical but also unlawful. I am requesting that the CFPB take further action to ensure that Credit Management Company complies with federal law and ceases all further contact with me. 

Thank you for your attention to this matter.

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

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

1681c-2 ) that you, the Equifax Information 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 : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX MD XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
On XX/XX/XXXX I had some hard credit inquiries that I did not is authorized and I don't recognize XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXXXXXX Inquiry : XXXX. XXXX XXXX XXXX CA  XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX I will like for EQUifAX remove these from my credit report immediately I will like for TRANSUNION remove from my credit report immediately I will like for EXPERIAN remove from my credit report immediately

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 2025-07-07 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: IL

Complaint narrative:
On XX/XX/XXXX I had some hard credit inquiries that I did not is authorized and I don't recognize XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXXXXXX Inquiry : XXXX. XXXX XXXX XXXX CA  XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX I will like for EQUifAX remove these from my credit report immediately I will like for TRANSUNION remove from my credit report immediately I will like for EXPERIAN remove from my credit report immediately

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

Complaint narrative:
On XX/XX/XXXX I had some hard credit inquiries that I did not is authorized and I don't recognize XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXXXXXX Inquiry : XXXX. XXXX XXXX XXXX CA  XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX I will like for EQUifAX remove these from my credit report immediately I will like for TRANSUNION remove from my credit report immediately I will like for EXPERIAN remove from my credit report immediately

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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Improper Hold on Check Deposit / Violation of Regulation CC Bank of America I am filing this complaint regarding Bank of America and their improper and arbitrary hold on a check I deposited in-person at a branch. 

On the morning of XX/XX/, I deposited a {$3000.00} check issued by XXXX XXXX XXXX  ( XXXX ) at a Bank of America branch. The deposit was made in person with both a teller and a branch manager present, who clearly informed me the funds would be on a 24-hour hold and available the next day. 

However, exactly 24 hours later, Bank of America changed the status of the check and placed an additional 7-day hold on the funds without any prior notice, written explanation, or proper justification. 

This action contradicts the original information I was provided at the time of deposit and appears to violate the requirements of Regulation CC ( Expedited Funds Availability Act ), which : Requires banks to provide clear, accurate disclosures of funds availability policies, Limits the length of holds on deposits based on specific conditions, and Requires that customers be notified in writing when holds are placed or extended, especially if they differ from what was originally disclosed. 

To date, I have not received any written notice of this hold or any explanation citing a valid exception under Regulation CC. I believe this practice is deceptive and may constitute a violation of federal regulations, particularly given the impact it has had on my ability to access my own funds in a timely manner.

As of XX/XX/, I confirmed with XXXX that the check has cleared their bank, meaning that BofA would already have the full funds available to them electronically. I informed a supervisor today who simply stated that the funds had to be verified ( but could not site a reason ) and would be available on XX/XX/XXXX  or XX/XX/. 

I have attempted to resolve this directly with Bank of America, but they have not provided a satisfactory explanation or corrected the issue. 

I respectfully request that the CFPB investigate this matter and ensure Bank of America is held accountable for any violations of federal law. In this age of technology when all transactions like these are handled electronically between the banks, there is no reason to hold a check for that long. I have never bounced a check with them in the history of my account not one I have written, nor deposited.

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 monetary relief
Consumer complaint received 2025-07-07 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: ID

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 ID XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$990.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/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