vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am submitting this complaint regarding a disputed {$99.00} charge by the merchant XXXX processed as a credit transaction using our Bank of America ( BOA ) business debit XXXX. We did not authorize a renewal of our subscription with XXXX and received no service in return, as the merchant subsequently closed our account and denied us access. 

We promptly filed a fraud dispute with BOA, and they issued a temporary credit. However, the claim was later denied, with BOA asserting that the transaction was authorized solely because we had prior dealings with the merchant. No supporting documentation or evidence of renewed authorization was provided, and the credit is scheduled to be reversed on XX/XX/year>. 

BOAs Online Banking Service Agreement clearly outlines that a transaction is unauthorized if it is initiated by someone without actual authority and from which no benefit is received. In our case, we received no benefit our XXXX account was closed, and we were unable to use the service we were charged for. 

While the agreement mentions Regulation E, it also explicitly states : These liability rules are established by Regulation E, which implements the federal Electronic Fund Transfer Act and does not apply to business accounts. 

This confirms that BOA is choosing not to extend the protections outlined for unauthorized electronic transactions to business customers, despite marketing identical protections in their agreement text. 

I am requesting the CFPB investigate : BOAs inconsistent and opaque handling of business account disputes. 

The lack of justification for denying a claim where no service was received.

Whether BOAs public-facing agreement language may mislead business users into expecting protection they do not actually receive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-18 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC
State: WI

Complaint narrative:
I applied for a trial for a fitness membership never step foot into the facility. The place was not even open yet. They were still building this company, but was sending offers for a free trial. I never used it, but yet they kept trying to charge me for something I did not sign up for. XXXX XXXX sent my infor to aldous and associates for collection which Ive also told them I shouldnt have to pay for something I was given a free trail for and why would I have to pay for something when the building havent even had a grand opening yet. Not once did it say I would be charged for a trail pass

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Apple/Goldman Sachs first suspended my account. I called in to see what was going on, and they said using XXXX with my credit card was not allowed ( I mostly made purchases ). I said I wouldnt do it anymore, she left a note in my case, and thought thatd be that. But wow, why wouldnt I be able to use a card to make purchases via XXXX? The next day they closed my account, and refused to provide any information, even when I spent hours getting ahold of a specialist. Only you violated the terms and conditions. In what way? This is disgusting service. Terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here are the items below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Aargon Agency, Inc.
State: WA

Complaint narrative:
I received an email notice from XXXX through XXXX XXXXXXXX stating that I had a " derogatory '' entry made on my credit report by AARGON AGENCY INC pertaining to an account that is XXXX XXXX XXXX XXXX XXXX. The notice included with this complaint. 

I have not lived in XXXX since XXXX I am a resident of XXXX State. To the best of my knowledge this entry had been removed in the past and had lacked as much documentation and accuracy as it appears to lack now. 

I have demanded a forward flow agreement, a written and executed agreement demonstrating wet signatures that I even opened an account with this organization or with whomever appears to have been the " original debtor ''. 

This matter is damaging me financially and I demand its removal from my credit report immediately, as it can not be proven as my responsibility, because it is not my responsibility. The details of this agreement have never been provided, nor has ANY documentation been provided to substantiate this claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$800.00} XXXX XXXX XXXX XXXX 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, Balance : {$33000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$6300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$860.00} 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, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX XXXXXXXX XXXX XXXX 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, Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2200.00} 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, Balance : {$1400.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MS

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$8000.00} INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I recently obtained a copy of my credit report and found multiple accounts and inquiries that I did not authorize, open, or have any knowledge of. I believe my identity has been used fraudulently by an unknown individual or individuals. These accounts were created and used without my consent and are negatively impacting my credit. I am filing this report to officially declare that I am a victim of identity theft and to request that these accounts and inquiries be investigated, removed, and blocked under my rights provided by the FCRA and 15 U.S.C. 1681c-2. I did not authorize any of these transactions or applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: WI

Complaint narrative:
I recently obtained a copy of my credit report and found multiple accounts and inquiries that I did not authorize, open, or have any knowledge of. I believe my identity has been used fraudulently by an unknown individual or individuals. These accounts were created and used without my consent and are negatively impacting my credit. I am filing this report to officially declare that I am a victim of identity theft and to request that these accounts and inquiries be investigated, removed, and blocked under my rights provided by the FCRA and 15 U.S.C. 1681c-2. I did not authorize any of these transactions or applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a complaint against XXXX XXXX XXXX for failing to validate a charge-off debt that is reported on my credit report. 

Here are the details of the account in question : Account Number : [ Insert Account Number ] Creditor Name : XXXX XXXX XXXX Reported Balance : {$17000.00} Past Due Amount : {$20000.00} Status : Charge-Off Date Opened : XX/XX/year> I have requested debt validation from XXXX XXXX XXXXXXXX XXXX but they have not provided any supporting documentation to prove the validity of this debt. I am requesting that XXXX XXXX XXXX provide the following documents : XXXX. A copy of the original signed contract or agreement for the auto loan. 
XXXX. A statement showing account history, including payments made and any balances due. 
XXXX. Proof that XXXX XXXX XXXX owns the debt or has been assigned the debt, if they are not the original creditor. 
XXXX. A detailed breakdown of any charges, fees, or interest added to the debt since its origination. 
XXXX. Clear documentation that supports the charge-off status and the exact date it was written off. 

Additionally, I am requesting that XXXX XXXX XXXX provide a clear explanation of their debt verification process, including the following : How they verify the accuracy of debts before reporting them to credit bureaus. 
What procedures are in place to ensure that they comply with FCRA guidelines for validating debts and reporting accurate information. 

Furthermore, as this debt is reported as a charge-off, I am requesting confirmation that XXXX XXXX  XXXX has issued a XXXX ( Cancellation of Debt ) to the IRS for this debt . If a XXXX was issued, I ask that they provide documentation showing the correct reporting of this debt and confirm whether the charge-off is accurate based on the cancellation of debt process. 

Since XXXX XXXX XXXX has failed to validate the debt, and considering the discrepancy in the reported balance, I am requesting the removal of this charge-off from my credit report and that any inaccuracies or violations of consumer rights be addressed. 

Thank you for your attention to this matter. I look forward to your timely investigation and response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
On XX/XX/year> Zelle informed me via email that my account was deactivated abruptly. 
I contacted Zelle & they would not give me a clear reason for the deactivation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been locked out of my XXXX account for over XXXX  days. I was paying for their credit monitoring and score services but was unable to access my account, credit report, or use security features like credit freezes. 

I attempted multiple password resets, tried using the website, and contacted their chatbot system. The chatbot refuses to escalate to a live agent and provides the same reset link that does not resolve the issue. I also called their phone lines but could not reach a human representative. 

I eventually stopped paying for the service because I was receiving no access or support. Experian has not resolved this despite repeated attempts. I am now requesting CFPB assistance in resolving the matter. 

I first contacted Experian support on XX/XX/year>. I explained I was locked out of my account and unable to reset my password or get support. I received a reply from an Experian representative based in the XXXX, who referred me to the XXXX site and did not transfer my case to U.S. support. Since then, I have received no assistance and still can not access my account. I have included a screenshot of this exchange for proof. 

I even managed to reach a live agent from a different Experian department as you can see in the screenshot of the email that I sent to Experian who told me to call back and use the phrase " Membership Representative '' to reach the correct team. I tried this multiple times, and the system still would not transfer me, leaving me stuck with no access or support.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS

Complaint narrative:
On XX/XX/year> I purchased a new XXXX XXXX that was financed through Toyota financial services. 9 days after purchase I alerted the company that almost XXXX dollars was added to my loan through service plans I never agreed to. It has now been 5 months since purchase and not a single thing has been corrected. The company stalled which put us in the 30 day mark allowing them to stick us with the truck and give prorated rates on plans we never agreed to have placed on the loan. They canceled XXXX  coverage without my consent or signature which voided the contract and they tried to ignore that fact. XXXX of the plans were canceled and never refunded then reinstated 3 days after. XXXX of the service plans hasnt even been mentioned like they are trying to keep it on there. Now one of the service plans was placed on the account and another one was added back. Toyota says they dont hand the finance side of it but Toyota financial said it was Toyota that added the plan back. Its a constant go around with these companies and Im not getting anywhere with either of them. This shouldve been taken care of within the first few days and not still going on 5 months later. I have also requested multiple times for a meeting with the owner and they tell me no hes out of town or he doesnt handle these situations. Seems to me like the staff is trying to keep it hidden from him.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 
XXXX ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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, PA XXXX ACCOUNTS : XXXX OF XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$68.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CT

Complaint narrative:
Purchased 2 pairs of custom XXXX  on XX/XX/year>2024 from XXXX XXXX. I had previously purchased 1 pc of the same item from them and it was delivered, although delivery took a very long time. I checked in with the store after 1-1.5 months and they assured me the order had been placed. In XXXX I realized my order had never been fulfilled, I tried reaching out to the store and they were permanently closed. 
I then reached out to XXXX, the company fulfilling the order and shipping the orthotics. They told me the order had been canceled by the store with no notice to me. 
I filed a dispute with Discover to recoup my funds since I did not receive the goods I purchased. Discover did an investigation and then, without notifying me, did not refund my money. Repeated contacts to customer service have also denied me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$220.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1200.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation