vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: NC

Complaint narrative:
This filing is submitted as a supplemental and consolidated complaint related to two existing CFPB complaints : Complaint ID : XXXX Complaint ID : XXXX Both complaints involve the same underlying Bank of America wire fraud case XXXX # XXXX ). Bank of America first denied the case on XX/XX/year>, citing lack of response from the foreign bank. I later went into a branch on XX/XX/year>, where the case was reopened. On XX/XX/year>, Bank of America closed the case without notice and reclassified it from fraud to scam resolution. I only learned of this reclassification by calling the bank directly on XX/XX/year>. 

On that same day, I filed my first CFPB complaint. Since then, Bank of America has failed to provide restitution, failed to issue any written closure notice, and continues to request additional time even though it has now exceeded the CFPBs 60-day complaint response timeframe. As of today, XX/XX/year>, more than eight months have passed since my initial fraud report.

This supplemental complaint is being filed in order to ( 1 ) formally submit my attached reply letter to Bank of Americas Wire Fraud Department, ( 2 ) ensure the CFPB has the same record that is being transmitted to the bank, and ( 3 ) request that the CFPB consider enforcement action due to Bank of Americas repeated delays, reclassification tactics, and failure to comply with statutory obligations. 

At this stage, the bank has had this case in its possession since XX/XX/year>, yet no restitution has been made. I am asking the CFPB to link this new filing to my two existing complaint IDs above and treat this as a consolidated record.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Kikoff Inc.
State: SC

Complaint narrative:
I have not seen any significant improvement in my credit score. They have not taken the necessary actions to dispute or remove inaccurate items from my credit report as promised. Additionally, they have failed to provide updates, send dispute letters, or share documentation showing progress. Overall, their lack of communication and action has left me feeling unsupported and disappointed, as I have not received the help I was expecting to improve my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
These accounts are fraudulent and do not belong to me. I request their removal and a proper investigation. Relevant materials are provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: AL

Complaint narrative:
I am writing to formally dispute several items on my Experian credit report, which I reviewed on XXXX XXXX The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Upon review, I found multiple inaccuracies and unverifiable entries. Under the Fair Credit Reporting Act ( FCRA ) : - 15 USC 1681e ( b ) : CRAs must ensure maximum possible accuracy. 
- 15 USC 1681i ( 5 ) : Inaccurate/incomplete data must be promptly deleted or corrected. 
- 15 USC 1681s-2 : Data furnishers can not report info they know ( or should know ) is false. 
These unauthorized, fraudulent, or closed accounts are harming my credit profile and violating my rights. 
I demand the removal of all closed accounts that report negative history, unverifiable data, or outdated information. 
These no longer serve a valid purpose in creditworthiness evaluation. 
Failure to respond within a reasonable timeframe will result in complaints to the FTC, State Attorney General, and possible legal action under FCRA and FDCPA. 
Please process this dispute and send me an updated copy of my credit file.

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 2025-09-03 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: AL

Complaint narrative:
I am writing to formally dispute several items on my Experian credit report, which I reviewed on XXXX XXXX The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Upon review, I found multiple inaccuracies and unverifiable entries. Under the Fair Credit Reporting Act ( FCRA ) : - 15 USC 1681e ( b ) : CRAs must ensure maximum possible accuracy. 
- 15 USC 1681i ( 5 ) : Inaccurate/incomplete data must be promptly deleted or corrected. 
- 15 USC 1681s-2 : Data furnishers can not report info they know ( or should know ) is false. 
These unauthorized, fraudulent, or closed accounts are harming my credit profile and violating my rights. 
I demand the removal of all closed accounts that report negative history, unverifiable data, or outdated information. 
These no longer serve a valid purpose in creditworthiness evaluation. 
Failure to respond within a reasonable timeframe will result in complaints to the FTC, State Attorney General, and possible legal action under FCRA and FDCPA. 
Please process this dispute and send me an updated copy of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: IDAHO CENTRAL CREDIT UNION
State: ID

Complaint narrative:
In XXXX, I opened a XXXX  checking account with ICCU for my daughter. At the time of account opening, I was not provided with a copy of the account terms and conditions, nor was I informed of any steps or options available to me when my daughter turned XXXX. 
I remained on the account under the assumption that I would be automatically removed as a joint account holder once she reached XXXX. Unfortunately, in XXXX, my daughter lost her job and the account became overdrawn. I began receiving calls regarding the negative balance, and each time I clarified that the account in question belonged to my daughter. I was asked to have her contact the bank, which she did. 
During that call, my daughter requested that my name be removed from the account and stated that she would take full responsibility for the balance. However, her request was denied, and she was told that my name would not be removed until the amount due was paid in full. 
Most concerning is that ICCU has now blocked my joint account with my husband, even though I have never received a debit card for the teen account in question, nor have I accessed or used any of its funds. I believe it is unfair and inappropriate to hold me financially responsible when my daughternow a legal adulthas taken full ownership of the account and its obligations.

I am requesting that ICCU review this situation and release any holds or collection efforts against my personal and joint accounts. I also request a full explanation as to why I was not notified of my options when my daughter turned XXXX, and why my name can not be removed now that she is an adult and willing to accept full responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Subject : Request for Immediate Review & Resolution of Repeated Credit Card Pre-Qualification Denials Dear XXXX XXXX XXXX : I hope this message finds you well. 

I am writing to bring to your attention a troubling and persistent issue Ive encountered in my recent attempts to pre-qualify for a Citizens Bank credit card. Despite entering accurate and verifiable information which matches exactly with my Experian credit report my pre-qualification attempts have been declined with a single explanation : Unable to verify identity. 

This repeated response appears to be a systemic error and does not reflect my creditworthiness or the legitimacy of my application. I am respectfully requesting that this matter be escalated to your senior management and underwriting teams for a manual, human-led review. 

For your reference, here is a detailed overview of my financial profile : XXXX Score : XXXX Credit Utilization : Under 5 % Inquiries : Low Average Age of Accounts ( AAoA ) : 16 years Credit Mix : Includes installment ( auto and student loans ) and revolving credit accounts Payment History : 100 % on-time, no derogatory marks Income : High and stable income as a travel nurse, with nationwide assignments Intent : Establish a healthy credit line with Citizens to XXXX ongoing financial planning I have been a long-time banking customer dating back to Charter One, and recently rejoined Citizens Bank with the XXXX assistance of XXXX at the XXXX XXXX XXXX branch XXXX I am now looking to fund my account and bring all banking business back to Citizen 's Bank as a XXXXXXXX XXXX  native -- including both deposit and credit accounts. 

Please note that Ive made multiple attempts to resolve this through standard channels but continue to receive the same boilerplate denial. 

As a travel nurse, this ongoing issue is highly distressing, especially given my need for reliable financial tools on the road. 

As such, I kindly urge your office to initiate a senior-level review of this situation, as a manual assessment would quickly reveal that my profile meets and exceeds your credit standards. 

Thank you in advance for your time & assistance in resolution. 

Best, XXXX XXXX XXXX M

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: AL

Complaint narrative:
I am disputing a debt being reported by Synergetic Communica. 

Between XX/XX/year> and XX/XX/year>, the balance on this account was increased from {$740.00} to {$750.00} without my consent. I have not received any documentation authorizing this increase. 

This raises serious concerns for the following reasons : 1. FDCPA Violation ( 15 U.S.C. 1692f ( 1 ) ) A debt collector can not add any fee, charge, or interest unless it is expressly authorized by the original contract or permitted by law. I have never received proof that the original agreement allows additional charges.

2. Debt Validation ( 15 U.S.C. 1692g ) I have requested validation of this debt, including a copy of the original contract and an itemized accounting of the balance. To date, the collector has not provided this.

3. Alabama State Law ( Ala. Code 8-8-1 ) Under Alabama law , the maximum interest rate is 6 % annually when there is no written contract. Unless Synergetic Communica can show a valid signed agreement permitting additional charges, the {$4.00} increase is not legally permissible.

Because this balance has been updated and reported to the credit bureaus, the collectors actions are causing continued harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
I recently obtained a copy of my consumer credit report and noticed inaccurate at unverified information involving late payments in regards to : Mortgage account XXXX Acct LOAN # : XXXX The Gramm-Leach-Bliley Act protects the reporting of non public personal information from being disclosed on public platforms. 

In accordance with the FCRA, I XXXX XXXX am granted a right to privacy under 15 U.S.C. 1681 section 602. 15 U.S.C 1681 section 604a-2 states that a consumer reporting agency can not furnish an account without my written instructions. Exclusions Under 15 U.S.C. 1666b ( a ) states that a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose. Under 15 U.S.C. 1681a ( 2 ) ( I ), consumer credit reporting agencies can not report transactions or experiences in which late payments are considered. Under 15 U.S.C. 6802, the consumer credit reporting agencies did not disclose to me the reporting of any negative or adverse information nor was I provided with the option to opt out. Under 15 U.S.C. 1681 section 611, all consumer credit reporting agencies must state their method of verification of : How it was verified What documents were used to verify Who verified these late payments Reporting unverifiable information is a violation of 15 U.S.C 1681 section 611a-7 I XXXX XXXX did not authorize the reporting of any late payments on any account through any written instructions nor have I been made aware through proper documentation that any of the information was properly verified. 

Please remove all late payments from the account in question immediately and update the status of on time positive payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days.

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 2025-09-03 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: NC

Complaint narrative:
I recently obtained a copy of my consumer credit report and noticed inaccurate at unverified information involving late payments in regards to : Mortgage account XXXX Acct LOAN # : XXXX The Gramm-Leach-Bliley Act protects the reporting of non public personal information from being disclosed on public platforms. 

In accordance with the FCRA, I XXXX XXXX am granted a right to privacy under 15 U.S.C. 1681 section 602. 15 U.S.C 1681 section 604a-2 states that a consumer reporting agency can not furnish an account without my written instructions. Exclusions Under 15 U.S.C. 1666b ( a ) states that a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose. Under 15 U.S.C. 1681a ( 2 ) ( I ), consumer credit reporting agencies can not report transactions or experiences in which late payments are considered. Under 15 U.S.C. 6802, the consumer credit reporting agencies did not disclose to me the reporting of any negative or adverse information nor was I provided with the option to opt out. Under 15 U.S.C. 1681 section 611, all consumer credit reporting agencies must state their method of verification of : How it was verified What documents were used to verify Who verified these late payments Reporting unverifiable information is a violation of 15 U.S.C 1681 section 611a-7 I XXXX XXXX XXXX not authorize the reporting of any late payments on any account through any written instructions nor have I been made aware through proper documentation that any of the information was properly verified. 

Please remove all late payments from the account in question immediately and update the status of on time positive payment history.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently obtained a copy of my consumer credit report and noticed inaccurate at unverified information involving late payments in regards to : Mortgage account XXXX Acct LOAN # : XXXX The Gramm-Leach-Bliley Act protects the reporting of non public personal information from being disclosed on public platforms. 

In accordance with the FCRA, I XXXX XXXX am granted a right to privacy under 15 U.S.C. 1681 section 602. 15 U.S.C 1681 section 604a-2 states that a consumer reporting agency can not furnish an account without my written instructions. Exclusions Under 15 U.S.C. 1666b ( a ) states that a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose. Under 15 U.S.C. 1681a ( 2 ) ( I ), consumer credit reporting agencies can not report transactions or experiences in which late payments are considered. Under 15 U.S.C. 6802, the consumer credit reporting agencies did not disclose to me the reporting of any negative or adverse information nor was I provided with the option to opt out. Under 15 U.S.C. 1681 section 611, all consumer credit reporting agencies must state their method of verification of : How it was verified What documents were used to verify Who verified these late payments Reporting unverifiable information is a violation of 15 U.S.C 1681 section 611a-7 I XXXX XXXX XXXX not authorize the reporting of any late payments on any account through any written instructions nor have I been made aware through proper documentation that any of the information was properly verified. 

Please remove all late payments from the account in question immediately and update the status of on time positive payment history.

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