vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX, XX/XX/year>, at approximately XXXX PM, I attempted to deposit {$3600.00} using Bank of America ATM XXXX, located in downtown XXXX, XXXX. When I approached the machine, the screen displayed a message stating Can not dispense {$100.00}. Since I was making a deposit not a withdrawal I didnt believe it would affect my transaction. 

I proceeded to insert the cash, but the ATM froze on the confirmation screen. I tapped the screen and used the keypad repeatedly, but it was completely unresponsive. The machine timed out through XXXX different screens, then ejected my debit card without crediting the deposit. I selected the option to print a receipt, and it gave me a blank slip, which I still have. I also captured a video of the frozen screen as it happened. 

I immediately reported the incident to Bank of America and was told I would receive a provisional credit within XXXX hours. That never happened. When I followed up the next day, I was told it could take up to XXXX business days, completely contradicting the original information. Every time I called, I was transferred between departments and received inconsistent responses. It is clear that the customer service and claims teams do not operate under the same understanding of procedures or timelines. 

I also visited a local branch and spoke to an employee named XXXX, who identified himself as the general manager. He assured me that he would escalate my case internally and follow up on my behalf. However, I later learned that he is no longer with the company. While I dont know the details of his departure, it only added to my concern about the lack of continuity and accountability in the handling of my case. 

I returned to check the ATM on XXXX, and the same Can not dispense {$100.00} message was still showing which told me that no one had serviced the ATM since I reported the issue on XXXX. I waited through the holiday weekend, then followed up again on XXXX, and found the ATM still had not been addressed. When I called again later that week, I was informed the ATM had finally been serviced, but that my claim had been denied with no sufficient explanation. 

This has been an exhausting and disruptive experience. Ive been a loyal Bank of America customer for over XXXX  XXXX. I only used the ATM because Bank of America discourages in-person teller deposits by charging fees and placing limits on them. I followed the process the bank promotes and Im now being penalized for doing exactly what they encourage. 

This incident has left me without access to {$3600.00} of my own money, created significant emotional distress, and disrupted my ability to meet financial obligations.

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 2025-05-27 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:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$9500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00}

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 explanation
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$9500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00}

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
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
In early XX/XX/year>, I received payments through PayPal from individuals who voluntarily and knowingly sent me money so I could assist them in purchasing cryptocurrency. I did not solicit these payments fraudulently, and I provided the help requested. Later, these individuals filed chargebacks with their banks, falsely claiming the transactions were unauthorized. As a result, PayPal debited my account and now shows a negative balance. I have already explained this situation to PayPal, but the issue remains unresolved. I am now at risk of having this balance sent to collections, which could harm my credit due to no fault of my own. I am requesting a full review and correction of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
Following a data breach that compromised my personal information, fraudulent accounts have been reported on my credit file. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I request that these accounts be blocked and removed within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-27 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: TX

Complaint narrative:
Following a data breach that compromised my personal information, fraudulent accounts have been reported on my credit file. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I request that these accounts be blocked and removed within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In late XXXX we discovered there was some Identity theft going on and put a freeze on XXXX  and XXXX  but count access Experian. when we repeatedly tried to access my Experian account it became obvious that the Identity theft had hacked my experian account and replaced the verification email and phone number to his making it impossible to enter my own Experian account and making me very vulnerable. 

I tried at least XXXX Experian phone numbers but without giving my social and the verification code they send it has been impossible. 

On XX/XX/XXXX i had my attourney send them a letter explaining th problem but as of yet i have had no response. As of XXXX  they have scammed XXXX of my banks for over {$50000.00} and I am very exposed and vulnerable. I can't believe Experian can be allowed to act in such a reckless manner. 

Please help me

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 2025-05-27 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:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: WA

Complaint narrative:
On US Bank XXXX XXXXXXXX, I placed a bill pay payment on XX/XX/XXXX, it said it would get there the XXXX instead that is when they sent the payment, so the business doesn't deposit it until the XXXX. The business sent out cancellation notices on XX/XX/XXXX, so they must have received it on the XXXX or XXXX. We pay a monthly bank fee of XXXX. This is a business account they should not be so late and irresponsible with their bill pay. Why are they charging us extra but treating it like a personal account? I would not be on here if they had a email complaint page. I'm noticing most companies have removed their emails from the public. I have had bad experiences with phone calls that make you wait a long time and basically blow you off and it is hard to clearly articulate what I'm trying to say. This same issue of really late like 2 weeks bill pay is also an issue on our XXXX XXXX personal account. Banks need to be more responsible with our money. XXXX and 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 2025-05-27 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: CA

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 : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under XXXX XXXX, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
I request the account to be removed immediately from my credit report and its still there I sent in all documentation.

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 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I cashed a third party check as I have done many times in my account. They reached out to me and told me that the type of check can't be third party deposited. They told me they have to lock the account and if the funds don't bounce it will be issued to me in a check. After the 120 days they told me that the funds needed to be sent back to the treasury. they have held the funds since 2022 and my account is still open. They also will not allow me to use the online platform that I receive documents to. I still have other products with the company.

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 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My XXXX  used my XXXX account to make a XXXX time purchase and used a card that was associated with my XXXX account. A card that I rarely use. I had no idea that a charge less than XXXX dollars needed to be paid. 

I am a quality customer of Wells Fargo, holding several accounts. 

I do not believe it is fair to punish me with this mark on my credit report because I had no idea my XXXX  made this purchase and I always pay my balance in full.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This late payment record is inaccurate and does not represent my consistent payment behavior. I have maintained timely payments, and I request its removal to ensure my account reflects accurate information.

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 2025-05-27 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( XXXX U.S.C. XXXX ) Dear [ Credit Reporting XXXX XXXX XXXX I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( XXXX U.S.C. XXXX ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer XXXX credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer XXXX credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA XXXX and XXXX all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
Hi there. On XX/XX/year>, I entered into an agreement with XXXX XXXX and his partner XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They had posted a listing on XXXX for a room they had for rent, and I was initially planning to move in on XX/XX/year>. I informed them on XX/XX/year> that I was lacking the full amount of funds required to move in, and that Id have to delay my move due to unexpected financial hardships. I asked for my holding deposit back and tried calling and texting them, but nobody replied. It has affected my life in a terrible way because I need that money and they just XXXX  me over. Thats why Im suing them for the {$550.00}, plus all my court/legal fees and interest, as well as compensation for emotional distress from fraud/theft. I seek to resolve this matter legally, where a judge can force them to do whats right, and recover my stolen funds, so I filed a motion for arbitration. But SoFi said they investigated and found no error occurredwhen I gave them more than enough proof that I got my money stolen. Now Ill be taking those people to small claims court and filing as many fraud reports as I can, to express my disdain for this terrible bank. I specifically want to report communicating with XXXX in the customer service or back office dept. They flat out refused without making much sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: NJ

Complaint narrative:
I was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} Inquiries XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on account that was in fact paid on time. The consumer reporting agencies need to report ALL information with complete accuracy. This account has NOT been late on payments ; I've attached a copy of my report to this complaint on XX/XX/year>. I'm now requesting that you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand that these payments be updated to PAID ON TIME Immediately! Thank you for your understanding and prompt action.

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 2025-05-27 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on account that was in fact paid on time. The consumer reporting agencies need to report ALL information with complete accuracy. This account has NOT been late on payments ; I've attached a copy of my report to this complaint on XX/XX/year>. I'm now requesting that you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand that these payments be updated to PAID ON TIME Immediately! Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief