vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to formally file a complaint against Bank of America regarding their failure to properly investigate and resolve an unauthorized transaction on my business bank account, as well as the lack of cooperation with the merchant, XXXX XXXX. 

On XX/XX/year>, I received a text alert from Bank of America regarding XXXX charges on my business account : XXXX for {$1200.00} and another for {$25.00}, both from XXXX XXXX. As I did not authorize these transactions, I immediately responded XXXX to the alert and contacted Bank of America by phone. 

At the time, I was working abroad and informed the bank of my location. I was assured that I did not need to contact XXXX directly and that the bank would handle the dispute entirely, stating they had my back " XXXX XXXX. '' A claim was filed on my behalf. 

After a month passed without an update, I followed up and was informed that my claim had been denied. When I asked for clarification, I was not provided with a clear explanation. I then attempted to reopen the claim and was asked to provide proof that I was out of the country at the time of the charge. I promptly faxed a copy of my boarding pass, as well as my passport stamps showing my departure and re-entry to the XXXX, to the number provided by Bank of America. 

Despite multiple phone calls, long wait times, and repeated attempts to resolve the issue, the unauthorized charge remains unresolved. In frustration, I contacted XXXX directly. They were able to locate information related to the charge but did not disclose the details to me. However, they did state that Bank of America never contacted them for verification of the transaction. 

To date, I am still being held responsible for a transaction I did not authorize, despite providing multiple forms of proof and making every reasonable effort to resolve this matter through the proper channels. 

I am requesting the CFPBs assistance in : Reopening and properly investigating this unauthorized transaction claim. 

Determining whether Bank of America followed fair and lawful dispute procedures. 

Ensuring communication between the bank and the merchant occurred ( or documenting that it did not ). 

Reversing the unauthorized charges if found to be invalid.

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 2025-07-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter.

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process.

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report.

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record.

Thank you once again for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I ordered a debit card from M & T Bank over three weeks ago, but it was returned by XXXX after a failed delivery. Since then, I have not received a tracking number or any information about the cards location. Ive called customer service multiple times, spoken to representatives and supervisors, but no one has given me a clear answer or resolution. Out of frustration, I even went to multiple M & T branch locations, but still couldnt get help. Ive had no access to my pay during this entire time, which has caused financial stress. Im requesting an expedited replacement card, temporary account access, and reimbursement for any fees or issues caused by this 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 explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
The caller called me and said they were XXXX XXXX XXXX. They gave me all of my husband 's charges and his name. They told me to come to the jail they would bond him out. They called back said it didn't go through try another method. They gave me 2 phone numbers to send it to. Told me to XXXX  payments when it didn't go through. They gave me XXXX XXXX, $ XXXX and XXXX XXXX XXXX. The oney went through and when I went to to the jail I found out it was a fake person. I called the banks and cashapp and they refused to help because it was XXXX and person to oerson.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: LA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-07-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This morning, I was shocked to find an unauthorized inquiry on my credit report, and I have no idea how it got there. I double-checked and even refreshed my browser thinking it might be a glitch, but it remained. Im extremely frustrated, and I urgently ask that the documents I submitted be thoroughly reviewed so I can finally have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive noticed that some of the personal information on my credit report is incorrect. I respectfully request an investigation and correction of these errors within 5 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I disputed this account through the credit bureaus, and it continues to report as a collection with a large balance. No proper validation has been provided. This is negatively impacting my ability to obtain housing and rebuild my credit. The debt is unverified and the reporting is misleading. I request deletion or full validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX. I'm writing again because my identity was stolen. I did not open the accounts listed below. These are not mine. 

I already filed an official Identity Theft Report with the FTC. Ive sent it to you before. Im attaching it again so there is no confusion. 

I have tried many times to fix this. But I keep getting the same replies that dont help. This is serious. These false accounts are hurting my credit and my peace of mind. 

Please delete these accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not open these. I did not agree to them. I never gave permission. 

Under the Fair Credit Reporting Act, you must investigate and remove accounts you can not prove I opened. You are also required to stop reporting them if theyre not verified with proof like a signed contract, application, or any document showing I agreed to them. I know these dont exist because I never opened them. 

This is not a joke. I will file a complaint with the Consumer Financial Protection Bureau if this is not fixed within 30 days. 

I need written proof that these accounts have been deleted. I want them gone for good. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX. I'm writing again because my identity was stolen. I did not open the accounts listed below. These are not mine. 

I already filed an official Identity Theft Report with the FTC. Ive sent it to you before. Im attaching it again so there is no confusion. 

I have tried many times to fix this. But I keep getting the same replies that dont help. This is serious. These false accounts are hurting my credit and my peace of mind. 

Please delete these accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not open these. I did not agree to them. I never gave permission. 

Under the Fair Credit Reporting Act, you must investigate and remove accounts you can not prove I opened. You are also required to stop reporting them if theyre not verified with proof like a signed contract, application, or any document showing I agreed to them. I know these dont exist because I never opened them. 

This is not a joke. I will file a complaint with the Consumer Financial Protection Bureau if this is not fixed within 30 days. 

I need written proof that these accounts have been deleted. I want them gone for good. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint to report inaccurate and unfamiliar information being reported on my credit file. I have identified one or more accounts/inquiries that I do not recognize, did not authorize, and have never had any prior relationship or knowledge of. These items appear to be fraudulent or incorrectly attributed to my profile. I have reached out to the reporting entity to request validation and removal, but have not received sufficient documentation proving that the accounts or inquiries belong to me or were lawfully initiated.

This reporting may constitute a violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and possibly the Gramm-Leach-Bliley Act regarding the safeguarding and proper use of consumer information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 2025-07-25 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  Balance : {$5000.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$260.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$380.00}, XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-25 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
This is for a business line of credit that was taken out in XX/XX/year>. 
I have been demanding for months to have access to this account to see the principle, amount owed, interest charged, etc. 
The company continues to deny me access. 
As soon as I started demanding access to the account, an executive DOCUMENTED that I could take cash into a teller and let them know how much I brought in and they would apply to the account ( I can not see ). 
I continued to demand access to the XXXX business line of credit, they continued to deflect, and sent me a letter demanding the amount paid in full. 
I have sense been speaking to their legal team who, again, is deflecting me access to this account. From what it seems, they have been collecting almost XXXX in interest that has been automatically pulled from the company account. I asked a local bank manager about this occurrence, and he said that NO ONE has access to their business lines of credit. This is a class action suit that is criminal if this bank is doing this as a routine measure. 53 Bank executives include XXXX XXXX, XXXX XXXX with legal representation of the bank by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

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 2025-07-25 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXXI - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Navy Federal credit Union has again started issuing fees and forcibly, putting XXXX people into programs that violate SSAs regulations theyve been found for this before they are taking {$500.00} of a SSDI check and SSI check and issuing multiple {$20.00} fees, which are prohibited under the Social Security administration laws. Also refuses to follow Social Security administrations rules on financial exploitation on a vulnerable adult. They allowed somebody to have access to the account that was not the person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase has rejected multiple attempts to fund the account via XXXX. I waited until the account was funded via direct deposit from both of my jobs and my XXXX from my previous bank have been rejected again. Chase obviously doesn't want the account to be funded the way you are allowed to based on " fraud ''. I've been trying to fund the account since XX/XX/XXXX. Chase will verify whatever then the XXXX will reject.

Company response to consumer: Closed with explanation