vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2025, I deposited a life insurance check for {$24000.00} into my Bank of America checking account. I was told by a bank representative that {$6400.00} would be available on XX/XX/XXXX at XXXXXXXX XXXX, and the remaining {$18000.00} would be available on XX/XX/2025. 
On XX/XX/XXXX, no funds were made available as promised. I called Bank of America and was told by an agent that there may be a delay due to the XX/XX/XXXX holiday and that the funds should clear after midnight. They did not. 
On Saturday, XX/XX/XXXX, I called again and was told for the first time that a hold had been placed on the entire deposit. When I asked how this was possible as Regulation CC clearly outlines notice and partial availability requirements the representative incorrectly stated that the hold was placed by the issuing bank.

I demanded to speak to a supervisor, and once I referenced the law, the supervisor admitted that Bank of America placed the hold themselves, not the issuing bank. She stated it was due to the amount, and I responded that per federal law, banks are required to make the first {$5500.00} available within 12 business days, even in cases of exception holds. 
I was never informed in writing or electronically of any hold on my account. The supervisor falsely claimed I had received a notice through online banking. When we reviewed my account messages together, she acknowledged there was no such message. While still on the phone, I checked my BOA email and found that on XX/XX/XXXX at XXXX XXXX BOA emailed me stating {$0.00} was on hold directly refuting their claim. 
I told the supervisor that this is an unlawful hold and demanded immediate release of funds. She stated she could not override the hold or take further action.

This has caused : Missed rent and insurance payments Severe emotional distress after the recent death of my mother Cancellation of a planned trip to visit my XXXX XXXX XXXX XXXX XXXX XXXX I am requesting a full investigation, written explanation, and financial compensation for the harm and clear violations of Regulation CC ( 12 CFR 229.13 ) and Florida Statute 674.229. Bank of America failed to give proper notice, made false representations about who placed the hold, and violated their own stated availability policies.

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 2025-07-05 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: SC

Complaint narrative:
Dear CFPB, I am filing this formal complaint against TransUnion, a consumer reporting agency, for its willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i, 1681e ( b ), and 604. Despite my formal dispute requesting reinvestigation and deletion of inaccurate, unverifiable, and unauthorized data, TransUnion has failed to fulfill its legal obligations and continues to damage my credit profile with harmful entries. 

Below are the specific issues I raised with TransUnion, which they failed to properly address : Wrong Address Reporting TransUnion is reporting the address XXXX XXXX, XXXX, SC XXXX, which is completely inaccurate. I have never resided at this location nor authorized it to be associated with my identity. This violates FCRA 1681e ( b ), which requires maximum possible accuracy of all personal data. 

Inaccurate Charge-Off Account XXXX XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was reported as a charge-off with a balance of {$1100.00} and a date opened of XX/XX/XXXX. I have disputed this item due to lack of verification, missing contract documentation, and a complete absence of billing history. TransUnion failed to provide any proof of accuracy, yet continued to report the derogatory account, in violation of FCRA 1681i ( a ).

Unauthorized Inquiries ( No Permissible Purpose ) TransUnion is also reporting multiple unauthorized hard inquiries on my credit file that were made without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 604, no company or institution may access a consumers credit report without a permissible purpose and explicit consumer authorization. I never applied for credit or authorized any of these inquiries. These inquiries are harming my credit profile and were not removed after dispute. 

I respectfully request that the CFPB investigate TransUnions repeated failure to comply with federal law. I also request that TransUnion be required to : Permanently delete the inaccurate address Delete the unverifiable charge-off account Remove all unauthorized hard inquiries Provide a written explanation and documentation of their reinvestigation process TransUnions ongoing noncompliance is causing undue damage to my credit reputation and is preventing me from obtaining fair access to credit. I request that the CFPB intervene and hold TransUnion accountable for these clear violations of federal consumer protection laws.

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 2025-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Aldous & Associates continue to reach out to me regarding a debt that no longer exists with the company XXXX. 

The {$75.00} charge from XXXX was made in error, as admitted by the yoga studio. On XX/XX/XXXX, XXXX booked a class without my knowledge for {$35.00}. I cancelled the booking immediately, on XX/XX/XXXX. Since the class date was XX/XX/XXXX, I was well within free-cancellation period of 24-hours. XXXX did not refund me for this class despite my calls and emails, and so I filed a chargeback through my bank. My bank successfully removed the fraudulent charge from XXXX. I contacted XXXX numerous times since XX/XX/XXXX. On a recent phone call with XXXX XXXX New York on XX/XX/XXXX, the business owner agreed that this was a misunderstanding and that the charges never should have been made. 

Aldous & Associates continue to call me frequently, sometimes calling before the ours of XXXX EST and XXXX EST. They have sent no proof of debt or debt validation as requested on the phone. Given XXXX does not have this charge documented in their system and this charge is fraudulent, Aldous & Associates have been asked to cease communication with me regarding this debt. Despite this request, I still continue to receive calls and emails, with threats such as " We intend to pursue collection of this debt until it is paid in full. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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:
This letter is to dispute false and unauthorized accounts showing on my credit report. My information was reported without my permission, which violates 15 U.S. Code 1681b ( 2 ) of the FCRA. These accounts dont belong to me and could be related to identity theft, as described in 15 U.S. Code 1681c-2. I am asking for a full investigation and correction of these mistakes.

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 2025-07-05 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: FL

Complaint narrative:
I am submitting the attached open letter as an official complaint against all three major credit reporting agencies : Equifax, Experian, and TransUnion. This letter reflects my personal experience but also exposes a broader pattern of deception, manipulation, and abuse within the U.S. credit scoring systemparticularly the FICO 8 model. I recently suffered a drastic and unjustified 33-point drop on my credit report immediately after a payoff, despite having no late payments, no collections, and a history of responsible behavior.

The letter details how the algorithms used by these bureaus punish consumers unfairly, provide no transparency, and create intentional barriers to dispute or correction. I have attached this testimony to demand urgent federal oversight, reform, and accountability. This is not just about methis is about a system that millions are being crushed by.

I respectfully ask the CFPB to investigate and respond to these practices and to include this letter as part of a formal public complaint for the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/year> Subject : Cease and Desist Request for Removal of Unauthorized or Excessive Inquiries Under 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute and request the removal of 74 inquiries & 3 hard inquiries currently appearing on my credit report. These inquiries are either unauthorized, excessive, or were not initiated with my consent, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. According to FCRA 1681b ( c ), no entity may obtain a consumer report or initiate a hard inquiry unless it is done with the consumers explicit authorization and for a permissible purpose such as a credit application, rental agreement, or other valid transaction. I have not authorized such a high number of hard inquiries, and many of these entries have appeared without my knowledge, consent, or legitimate business purpose. As a result, I am formally demanding that you : 1. Cease and desist from further sharing or distributing my consumer report without my explicit written consent. 2. Immediately remove all unauthorized or excessive hard inquiries from my credit report. 3. Provide me with a detailed list of each entity that requested access to my credit file, including the purpose of the inquiry, the date, and a copy of any documentation you have on file showing my consent. 4. Confirm that you have completed this action in writing within 30 days, as required under federal law. These inquiries are negatively impacting my credit score and misrepresent my financial behavior. Failure to remove unauthorized inquiries or respond within the legal timeframe may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially legal action for willful noncompliance with FCRA obligations. This letter is sent via certified mail with return receipt requested to maintain a documented record of this dispute and request. Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these unauthorized inquiries within 30 days. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/year> Subject : Cease and Desist Request for Removal of Unauthorized or Excessive Inquiries Under 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute and request the removal of 74 inquiries & 3 hard inquiries currently appearing on my credit report. These inquiries are either unauthorized, excessive, or were not initiated with my consent, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. According to FCRA 1681b ( c ), no entity may obtain a consumer report or initiate a hard inquiry unless it is done with the consumers explicit authorization and for a permissible purpose such as a credit application, rental agreement, or other valid transaction. I have not authorized such a high number of hard inquiries, and many of these entries have appeared without my knowledge, consent, or legitimate business purpose. As a result, I am formally demanding that you : 1. Cease and desist from further sharing or distributing my consumer report without my explicit written consent. 2. Immediately remove all unauthorized or excessive hard inquiries from my credit report. 3. Provide me with a detailed list of each entity that requested access to my credit file, including the purpose of the inquiry, the date, and a copy of any documentation you have on file showing my consent. 4. Confirm that you have completed this action in writing within 30 days, as required under federal law. These inquiries are negatively impacting my credit score and misrepresent my financial behavior. Failure to remove unauthorized inquiries or respond within the legal timeframe may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially legal action for willful noncompliance with FCRA obligations. This letter is sent via certified mail with return receipt requested to maintain a documented record of this dispute and request. Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these unauthorized inquiries within 30 days. 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 2025-07-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I hold an online CITI XXXX XXXX account with your bank to which I deposited XXXX on XX/XX/XXXX. I was out of united States in XXXX. When I called them in XXXX XXXX to get access to my account, but I couldn't, since I couldn't remember security questions. There are no physical CITI branches in XXXX. They asked me to mail my details which I did, but that didn't do anything. Now they have closed my account and I haven't received my money back. Could you please help me out here. My account number is XXXX. I can provide more details, ssn, address etc associated with the account. Please help me get my XXXX back. 
Thank 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 explanation
Consumer complaint received 2025-07-05 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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 a personal credit card account opened at XXXX  XXXX on XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXXXXXX  under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$1400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 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 2025-07-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year> I called Synchrony who manages XXXX XXXX credit card. I spoke with XXXX. I had previously been informed that my account was closed due to a missed payment. However, I had already sent a payment to them for the month or XXXX for {$29.00} as a money order from USPS. Although they had closed my account, they accepted the money order as payment. So the balance on that account is negative {$29.00}. 

I called to have the {$29.00} sent back to me. They had already issued one check with the remaining balance that I put down as a money order after paying the balance off. The lady I spoke to assured me that a check was on the way for the {$29.00} credit remaining and due to me. 

When I spoke with XXXX, XXXX stated that I need to submit proof of purchase for the money order. The money order has already been accepted as payment and posted on a closed account. So unless I show a proof that that money order was issued, they won't return my money although they already cashed and posted it before making any verification themselves.

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 2025-07-05 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: AZ

Complaint narrative:
On or about XX/XX/year>XXXX  I filed a complaint with the XXXX XXXX XXXX XXXX original creditor regarding an account with collection XXXX XXXX in amount of {$410.00}. On XX/XX/year> XXXXXXXX XXXX NOTIFIED CFPB AND ME IN WRITING IT WAS REMOVING COLLECTIONS. 

On todays date a new Collections appeared from a fraudulent activity regarding the same account XXXXXXXX XXXX for {$410.00}. 

CFPB Complaint : 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 2025-07-05 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: NJ

Complaint narrative:
Please see supporting documentation to the equaifax datat breach. 
XX/XX/XXXX I, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Onemain Date XXXX XX/XX/XXXX XXXX XXXX. XXXX Onemain Date Open XX/XX/XXXX Credit Orig XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are listed above.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: RFNA, LP
State: NC

Complaint narrative:
I had a contract with XXXX XXXX. I feel behind in my payments during covid. I still made payments. During XX/XX/year>, I paid them {$500.00} which is what was required so I could get back on track for the payment plan. Shortly after that with no notification, the sheriff knocked on my door with the lawsuit. No one from their company informed me of a lawsuit. I went to court. after the judgement, I received an exempt of property document to file with the courts. I filed it, since that time they continue to send letters of XXXX and sale like the one attached. According to the UDAAP/UDAP XXXX and XXXX of the Dodd-Frank Act and XXXX ( a ) of the FTC XXXX, collective prohibit a financial institution from engaging in an unfair, deceptive or abusive act or practice. CFPB 's XXXX policy statement summarized abusive acts and practices as : Leveraging certain circumstances to take advantage of the consumer, including gaps in understanding, unequal bargaining power, and consumer reliance. XXXX XXXX XXXX prohibits Contract Provisions : '' Confession of judgment ; waiver of exemption ; Security interests in household goods, pyramiding late charges.

Company response to consumer: Closed with explanation