vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America placed a debit hold and removed {$6700.00} from my business and personal accounts due to a garnishment initiated by XXXX XXXX, XXXX on behalf of XXXX, XXXX. The judgment was entered in Utah and was never domesticated in Tennessee, which is required under T.C.A. 26-6-104. I was never served any legal documents. I only found out about the garnishment when my account was frozen and I contacted the bank. 

When I called Bank of America, I was told the garnishment was related to a Utah court case. The representative gave me a case number and a phone number to call, but did not provide me with a copy of the garnishment or proof of service. I asked whether the bank verified that the garnishment was legally enforceable in Tennessee, and the rep responded that Bank of America simply receives and processes garnishments as they come in and does not verify the legitimacy or enforceability of the order. 

I contacted the Utah court and confirmed that someone had submitted an affidavit falsely claiming I had been served, when in fact I had not. I was unaware of the lawsuit or any judgment until the account seizure occurred.

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 2025-05-19 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: PA

Complaint narrative:
I am filing a complaint against Experian for failing to correct materially inaccurate information regarding a XXXX  XXXX XXXX account on my credit report. 

The account is reported as charged off as of XX/XX/year>, but Experian is simultaneously reporting the balance as {$1000.00} past due as of the same month. This is a direct contradiction. A charged-off account is closed and should not continue accruing or reporting as past due unless the account has been re-aged or legally restructured, neither of which occurred. 

This misreporting violates my rights under : FCRA 1681e ( b ) for failure to ensure maximum possible accuracy, FCRA 1681i ( a ) for failure to reasonably reinvestigate disputed information, and FCRA 1681i ( a ) ( 5 ) ( A ) for failing to delete inaccurate or unverifiable information after dispute.

I previously submitted a formal dispute to Experian with supporting documentation. In response, Experian stated they forwarded the dispute to the furnisher but concluded the documentation was not sufficient and failed to make any correction. This form response completely ignores the core issue of incompatible account status and amounts to willful neglect of their statutory duty. 

This ongoing reporting error is materially damaging to my creditworthiness and reflects a failure to maintain the integrity of my consumer file. I request that the CFPB open an investigation into Experians failure to comply with the FCRA and require deletion or full correction of this tradeline.

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 2025-05-19 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: NC

Complaint narrative:
I do not recognize these addresses please remove from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-05-19 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: NV

Complaint narrative:
" I am writing to demand immediate action regarding the fraudulent items still on my credit file. While Ive noticed that some have been removed, there are still numerous items that remain, and I will not tolerate this negligence. I expect Experian, Equifax, and TransUnion to REMOVE EVERY SINGLE fraudulent entry that was opened without my consent, immediately. Below is the list of items that must be erased from my record, and I will not settle for anything less. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to formally file a complaint regarding Capital One Banks recent handling of my debit card account. A Know Your Customer ( KYC ) review was placed on my account without valid justification or prior notification. This action occurred shortly after I made a legitimate purchase through the XXXX gaming platform, and it resulted in my funds being frozen without warning. 

As a result, multiple transactions that I attempted to make with my card were declined including essential services such as my XXXX subscription and even small everyday purchases like vending machine items at school. I contacted Capital One multiple times and spoke with several representatives, yet no legitimate reason was provided for the freeze. 

I was demanded to submit sensitive documentation that included my Social Security number. Specifically, Capital One required either a picture of my Social Security card or a tax document such as a 1099 form displaying my full SSN, or a letter from the IRS stating proof of a TIN number. I was not given the option to use any other form of identification, such as a state-issued ID, despite asking. This raised serious concerns about the security of my personal information and the risk of identity theft. I initially did not initially respond to this email as given my technical background and The strict language of the email, claiming that I was required by law to submit these documents by clicking on an unknown link, I thought this was an attempt at phishing. 

Additionally, Capital One failed to notify the primary account holder my mother which created further confusion and distress. 

The entire process was poorly communicated. As someone with hearing difficulties, I found the experience especially difficult to navigate due to strong accents and unclear explanations from customer service representatives. This situation has caused significant stress and has disrupted my access to necessary funds. 

XXXX head frozen my account on XX/XX/XXXX. When I called Capital One on XXXX, XX/XX/XXXX, I was told that I would not regain access to my funds until XXXX, XX/XX/XXXX a delay of up to XXXX business days ( nearly XXXX calendar days ) at the earliest. Given the financial necessity, I urgently request that my funds be restored sooner than this timeframe. 

I respectfully ask the Consumer Financial Protection Bureau to investigate this matter and address Capital Ones lack of transparency, poor communication, and unreasonable demands for sensitive information. I also request that the CFPB encourage Capital One to revise their KYC procedures to ensure better protection and accessibility for customers, and to prevent similar hardship for others in the future

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: PA

Complaint narrative:
I am writing to formally request the reconsideration of my recent complaint filed against BounceAR2 ( also operating as Bounce.ai ), which was erroneously marked as a duplicate and closed on XX/XX/year>. I respectfully assert that this filing is not a duplicate of any prior complaint submitted, as it is based on distinct and standalone grounds concerning BounceAR2s failure to provide legally required surety bond information.

My previous complaints may have addressed broader issues related to inaccurate credit reporting or FDCPA violations ; however, the complaint submitted on XX/XX/year>, specifically focuses on BounceAR2s noncompliance with disclosure requirements under state and federal debt collection lawsnamely their continued refusal to provide : 1. Surety bond number ; 2. Bonding company name ; 3. Contact information for the bonding agency.

This information is essential to exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ) and pursue a claim directly with the surety bond provider. Without it, I am hindered from holding the company accountable for their violations, a right clearly granted under both federal and state consumer protection laws.

This issue is materially different from prior complaints because it centers on obstruction of access to bond information, which is a procedural and transparency violation, not just a debt reporting or servicing issue.

I request that this complaint be reopened and investigated on its own merits. Failure to provide bond information not only violates FDCPA standards but obstructs my lawful ability to file a claim and seek redress.

Please update the status accordingly and confirm that this matter will be given a fair and independent review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Fraud Dispute Reversal and Account Overdraft To Whom It May Concern, I am writing regarding fraudulent transactions that appeared on my Bank of America account in XX/XX/year>, involving the company DraftKings. 

I have disputed these transactions multiple times with Bank of America. Initially, I was issued temporary credits for the disputed charges. However, after a period, the bank reversed those credits, resulting in my account being overdrafted by {$5900.00}. 

Since then : I have submitted a police report multiple times ( over 10 ), along with my written statement and full documentation for three separate claims.

I have contacted DraftKings, and their representatives confirmed that the activity on my account was fraudulent.

I have submitted numerous complaints to the CFPB without any successful resolution.

I reopened the dispute through Bank of America and complied with every document request, yet I have received no progress or relief.

This situation has severely impacted me both financially and emotionally. I am now facing nearly {$6000.00} in overdraft, which is not my responsibility, and my credit and mental health are suffering.

I am formally requesting : A full re-investigation of the fraudulent transactions.

Restoration of the provisional credits or permanent resolution in my favor.

Immediate assistance in closing or protecting my account from further fraudulent activity.

If this matter is not resolved immediately, I will be forced to take legal action and report this issue to additional regulatory and media channels. 



Police report Written dispute statement DraftKings communication Transaction history Previous complaint confirmations ( CFPB ) Sincerely, 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 monetary relief
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
I found Inaccurate Negative Items on my credit report. I contacted the furnisher, received NO verifiable response, and I am requesting a Full Investigation under Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable item. Clean. Legal. powerful.

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 2025-05-19 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: KS

Complaint narrative:
I have numerous false credit enquiries on my credit and the credit reporting agency has not verified them to be true. These accounts are not on my other credit reports so clearly they are mistakely reporting so I demand the immediate removal of these reports and my credit to be frozen until I can futher investigate. 

The following enquiries are not mine to the best of my knowledge and I have no recollection of me applying for credit all these times : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-05-19 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: TN

Complaint narrative:
Subject : Request for Investigation and Procedure Description under 15 U.S. Code 1681i ( a ) ( 7 ) 15-Day Response Request To Whom It May Concern : This letter serves as a formal dispute and request for validation under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S. Code 1681i ( a ) ( 7 ).

I am disputing the accuracy of the following information being reported on my TransUnion cred
it report : Account Name : USBK COURT EASTERN TENNESSEE Account Typ

e : Public Record / Bankruptcy Court : U.S. Bankruptcy Court Eastern District of Tennessee  This entry is either inaccurate, unverifiable, or outdated, and I am requesting the following : 1. A reinvestigation of the above entry.

2. A detailed description of the procedure used to verify the accuracy and completeness of this account, as required under 15 U.S.C. 1681i ( a ) ( 7 ).

3. The name, address, and telephone number of each person or entity that was contacted during the reinvestigation process.

Please provide the requested information within 15 days of your receipt of this letter. If you are unable to verify the accuracy of this record with competent evidence, I demand its immediate deletion from my credit file.

This letter is sent in good faith and constitutes formal notice of dispute under the Fair Credit Reporting Act. I request that all future communication regarding this matter be in writing.

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 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-19 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:
In XXXX XXXX I discovered several accounts on my credit reports that I did not open or authorize. These include accounts from XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX I immediately began contacting the credit reporting agenciesExperian, XXXX XXXX and XXXX dispute these accounts as fraudulent.

I also reached out directly to the creditors. Each one claimed to have completed an investigation and verified the accounts as belonging to me, yet none of them have provided any documentation supporting their conclusionsuch as signed contracts, IP addresses, or applications. I submitted a formal identity theft claim and documentation, including a police report and proof of identity, but the accounts remain on my reports.

I am now being subjected to collection efforts and credit damage based on accounts I did not authorize. I suspect my credit file may be mixed with another consumers, or I may be a victim of identity theft. Despite repeated disputes and requests for validation, I have received no proper verification from the companies involved. 

I am requesting that the CFPB help facilitate full deletion of these accounts from my credit reports and ensure that any investigations conducted are transparent and documented. I also want to ensure no further collections or reporting occur based on these errors.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
my name and personal information was being used without my knowledge and consent.

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 2025-05-19 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:
XXXX XXXX- appears on multiple reports. 



The account in question was charged off in XXXX, and I have noticed that the payment status is consistently being reported as " XXXX  '' ( XXXX ). This reporting is erroneous and does not accurately reflect the status of my account.

Further, I had requested a 1099-C ( Cancellation of Debt ) from the creditor, as the debt was written off, but I did not receive any follow-up or update. Upon reviewing my IRS transcripts at IRS.gov, I found that a 1099-C was not issued for this account.

According to my credit profile, the account was charged off in XX/XX/XXXX, but the 1099-C should have been issued by XX/XX/XXXX as per IRS regulations XXXX Given that the necessary procedures for debt cancellation and reporting were not followed, I request that this information be removed from my credit report. 

Additionally, the inaccurate reporting of the payment status as " XXXX  '' is misleading, and I respectfully request that this be corrected as well. 

I kindly ask that you investigate this matter and remove the incorrect account entry from my credit report in compliance with the Fair Credit Reporting Act

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