vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX To Whom It May Concern : What Happened : On XX/XX/year>, an unauthorized withdrawal of {$8000.00} was taken from my Bank of America checking account ending XXXX, and paid to a XXXX XXXX credit card ending XXXX account I do not recognize and have never owned. 
Bank of America has responded to my fraud claim XXXX  : XXXX. XX/XX/XXXX : Bank of America stated that the transaction was performed by an authorized signer on the account. This is incorrect. I did not authorize any such transaction. 
XXXX. XX/XX/XXXX : Bank of America stated that the transaction was completed using a thumbprint feature connected to my smartphone and claimed that this implies I authorized someone else to perform the transfer. This is false. I did not use my phone, did not approve anything, did not give anyone access to my phone, and did not authorize any thumbprint or biometric access for any other person. 
Bank of America closed my case and refused to return the funds. They have not provided any proof that I authorized the transaction, nor have they shown what device, biometric data, or individual supposedly conducted it. 
Regulation Violation : Under XXXX  XXXX ( Electronic Fund Transfer Act ), a bank must refund unauthorized electronic fund transfers unless it can prove that the consumer authorized the transaction. Bank of America has provided no proof, and their claim that I approved the transfer is directly contradicted by my clear statements. 
I requested copies of all documents, forms, device records, and any evidence they rely upon to assert authorization, but Bank of America has not provided this. 
What I Am Requesting : I respectfully request that the CFPB require Bank of America to : XXXX. Reopen my fraud claim. 
XXXX. Provide full documentation of the transaction, including device ID, IP address, location, and any biometric or authorization logs. 
XXXX. Refund the unauthorized {$8000.00} immediately, as required under XXXX  XXXX. 
This situation has caused significant financial hardship, and I urgently request assistance in resolving it. 
My contact information is below : Email : XXXX Phone : ( XXXX ) XXXX Thank you for your attention. 
Sincerely, 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 2025-12-10 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: CT

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing inaccurate information being reported by XXXX XXXX XXXX XXXX on my credit report. The credit score currently shown is incorrect and has not been updated to reflect my true payment history. The report shows late payments or negative activity that do not accurately represent my account history, as I have always made timely payments and have never been late. 

The incorrect score and reporting appear to have begun on [ insert approximate date ] and continue to be reflected on my report. I have reviewed my records carefully and confirmed that all payments were made on time. I have contacted the company to address this issue, but the credit score and account information have not been corrected or updated. 

I am requesting that the inaccurate credit score and reporting be updated immediately to accurately reflect my responsible, on-time payment history, as the current information is misleading and negatively impacting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this follow-up regarding a dispute I previously filed concerning multiple inaccurate, inconsistent, and unverifiable items appearing on my Experian, Equifax, and TransUnion credit XXXX. Despite providing supporting documentation and requesting a reinvestigation, these items remain on my credit file without proper verification or correction. The continued reporting of these errors misrepresents my actual payment history, misattributes accounts, and is causing measurable harm to my credit profile and financial standing. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$470.00XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3100.00} XXXX AND XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX * * * XXXX XXXX : XXXX XXXX XXXX XXXX WORKS XXXX REC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$2100.00} XXXX XXXX XXXX BANK XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1800.00} OriginalCreditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX * Balance Owed : {$6900.00} Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6800.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX The continued reporting of these inaccuracies violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ) , 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of any disputed information. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. The continued presence of unverifiable or inaccurate items constitutes a violation of these federal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting this follow-up regarding a dispute I previously filed concerning multiple inaccurate, inconsistent, and unverifiable items appearing on my Experian, Equifax, and TransUnion credit XXXX. Despite providing supporting documentation and requesting a reinvestigation, these items remain on my credit file without proper verification or correction. The continued reporting of these errors misrepresents my actual payment history, misattributes accounts, and is causing measurable harm to my credit profile and financial standing. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$470.00XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3100.00} XXXX AND XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX * * * XXXX XXXX : XXXX XXXX XXXX XXXX WORKS XXXX REC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$2100.00} XXXX XXXX XXXX BANK XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1800.00} OriginalCreditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX * Balance Owed : {$6900.00} Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6800.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX The continued reporting of these inaccuracies violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ) , 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of any disputed information. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. The continued presence of unverifiable or inaccurate items constitutes a violation of these federal requirements.

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 2025-12-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
I am disputing an incorrect rental debt that is being collected by Columbia Debt Recovery LLC DBA Genesis. The company is reporting a balance of {$3500.00} for XXXX at XXXX XXXX XXXX, but the balance does not match my actual resident ledger. The ledger shows multiple waived fees, write-offs, adjustments, and payments that were not properly credited. 

I requested validation and only received a letter with a number, not a complete breakdown or supporting documents. They have not provided : -An itemized statement -A move-out ledger -A copy of the lease -Proof of charges -Proof of assignment Because the accounting does not match, I believe the entire balance is inaccurate and should not be on my credit report. I am requesting : XXXX. Full validation of the alleged debt XXXX. A complete breakdown of all charges XXXX. Correction or removal from credit reports XXXX. Compliance with FDCPA requirements The company is attempting to collect and report a balance that does not appear to be correct, accurate, or legally validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 2025-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> I submitted a request for a domestic wire transfer with Bank of America. Bank of America called me one week later to request additional information, the information was submitted on Monday XXXX, after 3 days ( which is when Bank of America promised the wire would clear ) the wire still showed as pending. 
On Friday XX/XX/year> I called Bank of America to cancel the wire so that I get the funds back to pay the closing on a home. It has been three business days and the wire still shows as pending. I have called the Bank multiple times and all they say is that the issue has been escalated.

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 2025-12-10 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I been trying to get my loan modified since I came out of my forbearance in XX/XX/year> and I am still dealing with it they closed the file 2 times and said they dont know why.. I am needing to keep my home

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-10 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter serves as a formal follow-up dispute regarding several unverified negative items that continue to appear on my credit report across the XXXX bureaus despite my previous dispute submissions.

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 2025-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing this complaint against American Express for its failure to properly investigate and resolve a fraudulent account that was opened under my name without my knowledge, authorization, or consent. 
I am a victim of identity theft. I never applied for, opened, or authorized the American Express account ending in XXXX. I have never owned or operated any business, yet American Express continues to claim that this account was legitimately opened. The bank account allegedly used to fund or verify this account was also fraudulent. 
To support my identity-theft claim, I provided American Express with multiple pieces of documented proof, including : A signed fraud affidavit confirming the account ending in XXXX is not mine. 
Valid identity documentation verifying my identity. 
XXXX written confirmation from XXXX XXXX proving that the bank account associated with the fraudulent American Express account was not opened by me and is itself the result of identity theft. 
Despite submitting all required evidence, American Express has failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). Their fraud process has been unresponsive, inadequate, and negligent, causing ongoing damage to my credit profile and restricting my ability to obtain credit or financial services. 
American Express continues to report this fraudulent account to the credit bureaus even though they have proof that : The account ending in XXXX is fraudulent The XXXX XXXX account used is fraudulent I never owned a business My personal information was compromised and misused I fully complied with all document requests This failure to properly investigate and block fraudulent information is a direct violation of FCRA Sections 602, 603, and 605B, which require furnishers and credit reporting agencies to conduct a reasonable investigation and to remove or block fraudulent accounts once identity theft has been documented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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