vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding Bank of America ( BOA ) and their inadequate handling of unauthorized transactions on my accounts. As a long-time customer, I have consistently trusted their services, but recent issues with unauthorized withdrawals and poor customer service have left me extremely frustrated. Despite my repeated attempts to resolve the matter, I have received no satisfactory response. 

Account XXXX : Forced Closure and Unauthorized Withdrawals Date of Account Closure : XX/XX/year>2025 Amount Withdrawn : {$89000.00} Action Taken : After the closure, a total of {$89000.00} was withdrawn from the account without my knowledge or authorization. Despite multiple attempts to contact Bank of Americas customer service and risk closure departments, I was transferred between departments without receiving any substantial help. On XX/XX/year>2025, I spent over XXXXXX/XX/XXXX on the phone, but my issue remains unresolved. 

Specifically, I contacted the Risk Closure department XXXX times. XXXX representative, named XXXX, was unhelpful and exhibited an unprofessional attitude, claiming that I was wasting the departments time despite the fact that I was transferred to him by other departments. When I asked for clarification, I was met with vague responses such as we can not answer that, and was given no real assistance. 

Account XXXX : Impersonation and Check Forgery Date of Account Closure : XX/XX/year>2025 Amount of Check : {$150000.00} Action Taken : Another account was also closed in XX/XX/scrub> 2025. A check was issued from this account without my authorization and was signed for by an impersonator. I immediately called Bank of America to stop payment on the check, but I was told that the check could not be reissued unless it was returned by the impersonator, and that I would have to wait XX/XX/XXXXdays to resolve the issue.

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 2025-11-26 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: CA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-11-26 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: AZ

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/year>, an ACH debit of {$580.00} was withdrawn from my account without proper authorization. I never received the required contract or contact to authorize this transaction. 

I reported the issue to Fifth Third Bank on XX/XX/year> while the transaction was pending. I also attempted a stop payment, but the debit still processed. The bank confirmed that the XXXX business day for a provisional credit would start XX/XX/scrub> 2025. With weekends excluded, the XXXX business day was Wednesday, XX/XX/year>2025. 

As of this filing, the provisional credit has not been posted. I request that the bank investigate this dispute and provide a provisional credit in accordance with federal consumer protection regulations ( Regulation XXXX ). 

I have checked my email multiple times and have still not received a contract from the merchant. I have also taken all reasonable steps to prevent this unauthorized debit, including attempting a stop payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
Dear Sir/Madam, I am submitting this complaint regarding the following accounts that are in dispute. Please review the details below and investigate the issues as outlined. 

CHARGED OFF XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES XXXX XXXX  Date of Inquiry : XX/XX/XXXX LATE PAYMENT XXXX  Account Number : XXXXXXXX XXXX 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 2025-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Loan was paid off on XX/XX/XXXX - no check was received for the escrow balance due to me- there is no provided phone number on site so had a live chat and they said they would send another check on XX/XX/XXXX and still nothing has been received- got on chat again XX/XX/XXXX asked for overnight since it has been much longer than theXX/XX/XXXX days they are required to get me the balance but they refused and said it would be an additional XXXX business days- when I contacted again specificaly asked for a phone number to call and how to contact thier legal department and the agent would not provide the requested information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NC

Complaint narrative:
I am a consumer working to fix my credit and am disputing several items on my credit report for inaccuracies and incomplete reporting. Below are the accounts I am disputing, separated by bureau : Charged Off Accounts XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7900.00} XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} Inquiries : XX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXXDate : XX/XX/XXXXXX/XX/XXXXDate : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC

Complaint narrative:
I have transferred last month XXXX XXXX USD from my personal bank account with XXXX on XX/XX/XXXX to XXXX in the view to credit that sum onto my XXXX  account. 

The payment has still not been credited on my XXXX  account. 

I have made several complaints about it online, left numerous messages, created tickets ( the last one is # XXXX ) and Gemini never got back with any answers. 

I asked XXXX  either to ( i ) credit this payment to my account or ( ii ) reimburse me to my XXXX account. 

no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a Macy 's credit card, and every month they charge me {$180.00} or {$200.00} in interest. In my opinion, such excessive interest rates shouldn't be charged to customers, and I believe it violates federal law. I spoke with them about the high interest rates on the credit card, and they said they couldn't do anything. But in my opinion, Macy 's high interest rates are not permitted by federal law and the Federal Reserve. I hope you can help me with this because I feel cheated. They claim the credit card interest rates are low just to get customers to apply, only to then charge exorbitant amounts of interest.

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 2025-11-26 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit report. I am in the process of fixing my credit and request that these items be investigated and corrected accordingly. Below are the details of the accounts I am disputing : Charged Off Accounts XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$34000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} Late Payments XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : 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 2025-11-26 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: CA

Complaint narrative:
I am a consumer attempting to address and correct inaccuracies on my credit report. Below are the accounts I am disputing, separated by each credit bureau. 

Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: OK

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

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 2025-11-26 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX5 U.S.C. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am disputing the accuracy of the late payment information reported by Capital One Auto Finance. The company claims that billing statements and notifications were sent prior to the due dates ; however, I did not receive proper notice or documentation confirming the reporting timeline. 

The alleged late payment occurred in XXXX XXXX. I made multiple attempts to submit payments and correct the issue, but there were errors with processing and returned ACH transactions that were not clearly communicated to me at the time. Payments were made, but the company continued to report the account as delinquent without providing clarification or confirmation of the payment status during that time. 

Additionally, their response did not include proof that : Notices or billing statements were sent and delivered. 
A reasonable investigation was performed. 
The dates used to calculate the delinquency are accurate. 
The reporting complies with FCRA requirements. 

Instead, I received a generic template response that did not address my specific concerns or validate the accuracy or timing of the reporting. 

I am requesting that the CFPB require Capital One Auto Finance to provide full verification of the reported late payment, including delivery confirmation, investigation records, and methodology used to validate the information being furnished to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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:
I am filing this complaint because [ XXXX  / Equifax / XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXXXXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF : 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 XX/XX/XXXX INQ : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: Credit Corp Solutions Inc.
State: IA

Complaint narrative:
Someone opened a XXXX XXXX XXXX account XX/XX/XXXXXXXX  with my personal information ( ssn #, name and dob ) . However, the address used for the card was XXXX XXXX XXXX XXXX in XXXX, AR. I have never lived in Arkansas. Also, the email address given was not an email address that belongs to me. 

Payments were being made to the account my someone until XX/XX/XXXX. Once payments were stopped, they started calling me on the debt. I filed a fraud claim with them in XXXX, but the claim was denied XX/XX/XXXX. I was told a letter was mailed to me regarding the denial, but I do not have a record of it ( maybe it got mailed to the AR address ). 

After lengthy conversations stating that the name on the account is not my legal name, and I have not lived at the address listed the collection service is not willing to do anything to help me rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
I never opened this account and dispute it as fraudulent.

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 2025-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: GA

Complaint narrative:
I started school the first week in XX/XX/year> and within the first week I got into a XXXX XXXX leaving me XXXX XXXX XXXX I had to be the primary XXXX  caretaker from my God mother from XXXX till XX/XX/year> which I informed XXXXXXXX XXXX XXXX University I am no longer able to focus on classes overwhelmed by the loss of my mother. I submit all documentation to my school but despite me barely completing the first semester they charged me for a full semester. I know XXXX XXXX XXXX gain access to my financial records through the Edfinancial Services.

Company response to consumer: Closed with explanation