vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I woke up the other day mid deployment, to seeing my bank sent me a notice via electronically stating they were closing my account and exercising their right to do so. So, waking up seeing this I go to change my direct deposit, pay some bills and move money to find out they also locked that. I got no heads up or notice that this would happen just woke up to everything being closed and frozen. But they are still taking my direct deposit from work as well and won't let me move those funds or withdrawal them either. I am expected to be able to survive without my paycheck for 60 days as that's what the letter says how long it will take to close my account and then they will send me a PAPER CHECK so I can't even move the money electronically to make it quicker and easier for me. Closing my account is one thing but then freezing my money especially when I have no credit cards or loans or debt of any matter in the banks name is theft and will ruin my life if I can not access my funds to pay my bills and put food on the table for my family. We should be notified in advance that the account is closing, and you need to take your money by this date and change your direct deposit or all funds will be placed on hold. Instead of just one day waking up to a letter that was just sent out and immediately getting everything frozen. Hopefully this can get resolved in a timely manner or my family and I are in deep trouble.

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 2025-03-25 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: FL

Complaint narrative:
On XX/XX/year>, I made a manual credit card payment of {$8300.00}, which more than covered my prior statement balance of {$8100.00}. Despite this, Bank of America 's auto-pay system apparently did not realize that there was no outstanding statement balance and pulled out an additional {$8100.00} from my checking account on XX/XX/year>. 

I submitted a written request via the bank 's online chat portal for the {$8300.00} payment to be reversed on XX/XX/year> ( Bank of America advised that they couldn't submit a request to reverse the {$8100.00} payment as it was still showing pending in their system ). At this time, I was advised that it would take up to 10 business days to refund the overpayment. 

I contacted Bank of America again today ( XX/XX/XXXX ) to see where the request was in the process and was told that it was pending and this time was told that it may take up to 2 entire billing cycles ( i.e., effectively two months ) for the overpayment to be refunded. The representative also told me that there was no way to request that this be expedited.

The quoted timeframes for Bank of America 's standard process ( whether 10 business days or two billing cycles ) appear to violate 12 CFR 1026.11 ( a ) ( 2 ), which require overpayments resulting in credit balances exceeding {$1.00} to be refunded within 7 business days of a written request. Furthermore, Bank of America 's auto-payment system should be updated to detect whether there is any remaining statement balance before pulling out a separate payment for the statement balance.

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 2025-03-25 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: IL

Complaint narrative:
This inquiry was made without my consent ; I did not interact with the lender on that date.

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 2025-03-25 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: MD

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-03-25 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: HW Holding, Inc
State: MS

Complaint narrative:
Dispute of Inaccurate Information Under 15 U.S.C. 1681i To Whom It May Concern : I am writing to formally dispute the following account ( s ) that appear on my credit report. I have reason to believe that these items are inaccurate, incomplete, or unverifiable in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to the requirements set forth in 15 U.S.C. 1681i. 

The account ( s ) in question are as follows : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX I dispute the accuracy of the above-listed items for the following reasons : 1. Failure to Verify : In accordance with 15 U.S.C. 1681i, your investigation must verify all disputed information. I have reason to believe that these accounts have not been properly or accurately investigated, as indicated by inconsistent reporting and unresolved dispute notations on my file.

2. Incomplete and Inaccurate Reporting : The information provided regarding these accounts is incomplete and/or inaccurate. I request that you immediately conduct a complete reinvestigation as required by the FCRA. If the furnisher ( s ) can not provide sufficient, verifiable evidence to validate these accounts, then I demand that you delete these items from my credit report.

3. Failure to Comply With FCRA Requirements : The ongoing presence of these unverifiable or inaccurate records constitutes a violation of my rights under the FCRA. Until you complete a proper investigation and provide me with documentation verifying the accuracy of the disputed information, these accounts must be removed from my credit file. 

Enclosed are copies of any supporting documents that I have available to substantiate my claims. Please complete your reinvestigation and provide a written response detailing the results of your investigation within the statutory period. Should your investigation fail to verify the disputed information, I hereby demand that the above-listed items be permanently deleted from my credit report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
Im XXXX XXXX XXXX and my credit score is dropping. I believe its some sort of after pay which I dont have recollection of purchasing. Ive never had a credit card ; everytime I apply it wont allow me to go through with it. The only reason I know my credit score is from my credit builder app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
I was looking in my chime account transactions and there was one declined saying that someone tried to pay XXXX  from XXXX  and I don't use either one of the two.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I used my credit card once and had a balance of {$93.00}. I paid this balance in full on XX/XX/year> but was accessed a late fee of {$30.00} on XX/XX/year>. I disputed this but they would not remove the late charge and now they keep accessing me more fees and they say I owe over {$100.00}. They call every day and will not listen to me. How can they keep charging me late fees on a late fee?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
CFPB Complaint FCRA 611 Violation : TransUnion Refusing Legitimate Dispute Your Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Company Youre Complaining About : Name : TransUnion LLC Address : XXXX XXXX XXXX, XXXX, PA XXXX What is the issue? 

Problem with credit reporting refusal to process a valid dispute Who submitted the incorrect information? 

A lender or creditor ( XXXX XXXX XXXX XXXX ) What happened? 

On multiple occasions, I submitted a formal dispute directly to TransUnion regarding inaccurate and damaging information reported by XXXX XXXX XXXX XXXX. This included certified legal notices, FCRA 611 and 623 letters, identity documentation, and full supporting evidence. Despite this, TransUnion responded by stating that they did not believe the dispute came from me and refused to process it.

I am the rightful consumer and did not authorize any third party to submit this on my behalf. Their refusal to investigate violates my rights under FCRA 611 ( 15 U.S.C. 1681i ), which guarantees every consumer the right to submit a dispute and receive a reinvestigation. 

XXXX failure to act on a legitimate, documented dispute based on an unsubstantiated assumption is a willful violation of federal law and deprives me of my rights to accurate credit reporting. 



What resolution are you seeking? 
Immediate reinvestigation of the XXXX XXXX XXXX XXXX XXXX Full disclosure of the method of verification Written explanation of all procedures used in their refusal Correction or deletion of inaccurate information Sanctions for failure to comply with FCRA 611 Ongoing monitoring for continued violations Supporting Evidence ( to upload in the CFPB portal ) : Dispute Investigation Response from TransUnion Certified Mail Letter to XXXX XXXX Screenshot or PDF of current credit report showing XXXX tradeline Copy of FCRA 611 and 623 dispute letters Proof of ID and address ( drivers license, utility bill )

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

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 2025-03-25 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: MD

Complaint narrative:
In XX/XX/year>, my daughter discovered a series of charges on my card that I did not make and I did not realize. Spent a long time on the phone with the fraud department at Discover Card going line by line through charges -- including a veterinary supply company. I am not a vet. Now, Discover Card has reinstated those charges with a vague informational letter. I do not wish to pay XXXX of dollars for items that I did not purchase. And I do not wish to ruin my credit score over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Unable to login to my account to verify erroneous information on my report. After XXXX phone calls the problem is still not resolved. There are multiple errors on my report that o received from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-03-25 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-03-25 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: FL

Complaint narrative:
I am writing to request unauthorized credit inquiries on my XXXX Credit Report. My latest credit report shows 5 credit inquiries that I did not authorize.

I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/year> I am writing to request unauthorized credit inquiries on my EQUIFAX Credit Report. My latest credit report shows 4 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME : XXXX  DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/year>XXXX  INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/year>XXXX  Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is 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 explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 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 2025-03-25 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief