vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing a formal complaint against Bank of America for what I believe to be fraudulent and deceptive conduct related to their Bill Pay service. Specifically, Bank of America canceled my long-standing auto-draft payment without my knowledge, consent, or any form of notification. This auto-draft had been active and functioning reliably for over a year. It was canceled in XXXX without my consent or any notification. 

As a result of this unauthorized cancellation : My scheduled payment was not processed on time. 

I was charged a late fees. 

My credit limit was reduced, negatively impacting my credit standing. 

When I contacted Bank of America to address the issue, the representative admitted that Bank of America has the ability to cancel a customers auto-draft for any reason. I have attached the full transcript of that conversation for your review. This policyif it existsis both unfair and predatory, especially when the customer receives no advance notice and suffers financial and credit consequences due to the bank 's unilateral actions. 

This conduct appears to violate principles of good faith and fair dealing, and potentially runs afoul of federal consumer protection laws. At a minimum, it represents : Negligence in managing consumer accounts. 

Deceptive business practices by canceling an automated bill payment without consent. 

A failure to notify the customer in a timely manner of changes affecting recurring payments. 

Unjust enrichment, as the bank profited from the imposition of late fees and fees resulting from their own error. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly. I believe Bank of America should be held accountable for : Reinstating the original payment terms and reversing any late fees. 

Restoring my credit limit to its previous standing. 

Providing a formal explanation and documentation of their internal policies regarding auto-draft cancellations. 

Issuing clear guidance to prevent future customers from being harmed in this way. 

Consumers should not be penalized for a banks internal actions, especially without consent or notice. I urge the CFPB to take this complaint seriously, as I believe others may be affected by this same deceptive practice. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attachments : Transcript of phone conversation with Bank of America representative Screenshot or bank record showing previous auto-draft schedule

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 2025-06-10 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: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
My main complaint is that the account with Fifth Third is being reported improperly. On my XXXX XXXX XXXX credit file it is showing {$8900.00} as written off ( attached ). I received a 1099c for a deferent amount showing {$1000.00}, in either case, it is a violation to report income on credit reports, and to compound this Fifth Third Bank is reporting the wrong amount. This is the first violation. Also, you are reporting an account that you moved to a collection agency as stated in your letter ( attached ), thus you and the collection agency can not both own the same account. This is the second violation. Before the account went to collection it was in an agreement under COVID-19 relief. Under the CARES Act that was signed into law XX/XX/XXXX and ending XX/XX/XXXX ; this act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. This account falls within that time frame and you previously made accommodations for this account which is the only qualifier for this amendment to be in affect, hence third violation. This same information is outlined in my demand letter sent to Fifth Third Bank ( attached ). The only amicable resolution is the removal of this account from my XXXX XXXX XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year> : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 Fraudulent 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 ________________________________________ Fraudulent Public Record : Federal Case XXXX ________________________________________ Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX 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 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 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 2025-06-10 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:
I am a victim of identity theft. Which has left me feeling vulnerable and distressed, fraudulent accounts where opened in my name without my knowledge or consent. I kindly ask you remove these accounts from my report because it doesnt represent my financial history accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate credit reporting by Sezzle regarding my account. Below are the details of my concerns : - On XX/XX/scrub> 2025, I spoke with a Sezzle representative named XXXX ( Reference # XXXX ), who initially stated that my account had been sent to a debt collection agency with no outstanding balance. However, upon further clarification, XXXX stated that he had not said this. 
- My account balance was paid in full on XX/XX/year>2025, just two days past Sezzles grace period, at which point the account was closed and blocked. 
- Despite this, a late payment for XX/XX/scrub> 2025 appears on my credit report, even though the account had already been paid in full and closed. 
- XXXX also stated that there was nothing they could do to correct the inaccurate reporting and refused to transfer me to a supervisor after I requested this three times. 
This erroneous reporting has negatively affected my credit history and is a misrepresentation of my financial standing. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies in my credit report and request that they be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was a victim if ID Theft and Fraud in XXXX that has been verified by such agencies as the IRS and their verification service XXXX. 

I did not ask for it to be permanently locked, only that it be locked until I worked through the issues and risk, and then to validate my identity to unlock so I can monitor moving forward. Both XXXX  and XXXX  have done the the same and I now have access to their online sites. 

What TransUnion has done is to prevent me from monitoring my accounts to ensure no more malicious activity takes place. This inablity is against the FCRA and is seen as and unnecessary, unneed, and unwanted restraint. This needs tobe resolved or I will be taking action against TransUnion. 

In addition, TU appears to have LOST the documentation I sent in on XX/XX/XXXX since they now state that they can't find it. This is very concerning due to my former ID Theft.

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 2025-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
Subject : Formal Complaint Contradictory Sale Timeline, Missing Chat Transcripts & Denial of Reinstatement Opportunity Dear CFPB, I am filing a new complaint against Consumer Portfolio Services ( CPS ) due to their contradictory statements, refusal to provide chat transcripts, and denial of my reinstatement opportunity before XX/XX/year>XXXX 

Key Issues in CPSs Handling of My Case : Contradictory Sale Timeline : CPSs online chat agent confirmed that my vehicle would not be sold before XX/XX/year>XXXX 

However, CPSs formal response now claims my vehicle was sold on XX/XX/scrub> XXXX contradicting their previous statement. 

My co-signer was present during this conversation and can verify CPSs misleading response. 

Denial of Reinstatement Opportunity : I had until XX/XX/year> to reinstate my loan, but CPSs online chat agent incorrectly told me my vehicle was already sold, preventing me from exercising my reinstatement rights. 

This misinformation directly impacted my ability to reclaim my vehicle, violating repossession laws. 

Refusal to Provide Chat Transcripts & Call Recordings : CPS has not provided a copy of my online chat transcript, despite my request. 

I am requesting confirmation of CPSs chat and call record retention policy, including : How long CPS stores chat transcripts and call recordings before deletion. 

Whether my chat transcript has been deleted, and if so, when and why. 

Requested Actions : A full CFPB investigation into CPSs contradictory sale timeline and misleading communication. Proof of mailing and delivery confirmation for the Notice of Intent to Sell and Deficiency Statement. Access to all chat transcripts and phone recordings where CPS representatives falsely stated my vehicle had already been sold. A fair resolution, including elimination of my deficiency balance due to CPSs failure to properly notify me. 

Given CPSs contradictions, failure to provide required documents, and misleading statements, I urge CFPB to review this case further and take action against CPSs practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
Please delete these fraudulent accounts and addresses from my credit report. These do not appear on my XXXX  or my XXXX  credit report. Please remove them. I have included a copy of the identity theft report as well as my ID with address, and SSN card and passport. 


XXXXXXXX XXXX Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  Please delete these fraudulent inquiry XXXX  XXXX Please delete these fraudulent addresses XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY 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 non-monetary relief
Consumer complaint received 2025-06-10 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: AR

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
ON XX/XX/XXXX the Bank of America took {$4100.00} twice out of my account which meant I paid {$8300.00} leaving me a credit due of {$4800.00}. I brought this to their attention on XX/XX/XXXX and was told it would take 10 business days to refund my account which I provided all information to on that date. 10 days ( and more ) has since passed. There is still no credit back to the account. When contacting them a second time they told me I would not get the credit until XX/XX/XXXX. This feels somehow illegal. Despite efforts to escalate this to their managements attention nothing has been resolved.

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 2025-06-10 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: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-06-10 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: NY

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. 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 XXXX NY XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

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