vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
On XX/XX/year>, I was the victim of a phishing scam. The scammer impersonated my interim CEO and tricked me into purchasing {$1000.00} in XXXX gift cards for what I believed was an urgent work-related request. I realized the fraud on XX/XX/XXXX and reported it immediately to Bank of America and XXXX XXXX. 

XXXX XXXX refunded their portion within XXXX hours. Bank of America denied my claim XXXX times, stating it was an authorized charge. 

This violates XXXX XXXX ( XXXX CFR XXXX ( m ) ), which defines unauthorized electronic fund transfers as those initiated by someone other than me without actual authority even if obtained by deception. The CFPB has clarified that phishing and social engineering scams are unauthorized under XXXX XXXX. 

I reported the incident immediately, preserved evidence, and acted in good faith. Bank of America failed to conduct a proper investigation as required by XXXX CFR XXXX, and they have provided no proof that the transaction meets the legal definition of authorized.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : 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 As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of one year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file.

I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

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 2025-08-12 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX SC XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX 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 2025-08-12 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: LA

Complaint narrative:
I am writing under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g to request the correction and removal of inaccurate personal information from my credit file. 

Upon reviewing my credit report, I found the following errors : Inaccurate Name ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Address ( es ) : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, LA Inaccurate Employer : XXXX XXXX XXXX XXXX These names, addresses and employer are outdated and inaccurate and do not belong to me. Please remove them from my credit file and provide me with a corrected report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: UT

Complaint narrative:
I have previously disputed Experian, XXXX  and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-08-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
I entered into a XXXX XXXX XXXX with GoodLeap on XX/XX/XXXX to finance {$20000.00} for a home improvement project at XXXX XXXX  APR over a XXXX term ( XXXX payments of {$230.00} ). The Truth in Lending Disclosure and contract materials represented this as a standard amortized loan, with payments beginning XXXX months after project completion. 

After receiving my amortization schedule from GoodLeap in XX/XX/XXXX, I discovered that the first XXXX months of my payments applied 100 % to interest, with {$0.00} applied toward principal. The first partial principal payment does not occur until XXXX, and even into XXXX, more than XXXX XXXX of each payment still goes to interest. 

GoodLeap later confirmed in writing that payments until XXXX will be directed entirely to interest but could not cite any contract provision that disclosed this. 


-- - Why this is a problem : 1. No Disclosure of Interest-Only Period : Neither the Truth in Lending Disclosure nor the Retail Installment Contract states that the loan has an interest-only period, nor that principal reduction would be deferred for nearly a year.

2. Deceptive Presentation of Terms : The Truth in Lending table lists a total finance charge of {$37000.00} over XXXX payments but does not disclose that the amortization schedule is heavily back-loaded to maximize interest in the early period. 


3. Material Impact on Borrower Costs : By delaying principal repayment, GoodLeap effectively keeps my principal higher for longer, increasing total interest costs beyond what a standard amortization at the same APR and term would produce.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I hold a Care Credit account that is administered by XXXX bank. For more than XXXX months I have attempted to pay my bill in full and close the account. I did not keep specific records until I realized that this company would be giving me such a hard time. My statement closes on the XXXX of each month. For XXXX, XXXX and XXXX I have paid the bill in full and also sent a hand signed letter stating my bill is paid in full, please permanently close this account. I have called XXXX separate times during the stated time period and also spoken to a supervisor. Each month, my payment is sent back to me in the form of a check along with a new statement with increased interest charges for non-payment. The current statement reflects new purchases of {$4400.00}. I have not made any new purchases on this card since origination. This company is engaging in malicious business practices in such a way, that even though I pay in full and in writing request closure- my bill gets bigger and bigger each month. I have provided bank XXXX XXXX XXXX XXXX XXXX, payment amounts as well as my account balance prior to care credit bull payment and account balance after. They will not accept this as proof. They want my full and complete bank statements as they say what I am providing is not the full picture. I do not believe this company is entitled to know how much, who or when I pay anyone other than care credit. Why would my publix, dry cleaning or any other bill have any relevance? The only charge/payment that should be of importance is my payments to the creditor. If you call the customer service line from my personal cell, it SAYS this account has been closed by the account holder. How/why would I then make new purchases??

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 2025-08-12 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: OH

Complaint narrative:
I am writing to formally dispute XXXX or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NY

Complaint narrative:
These accounts are being reported in my name without my authorization or knowledge. I have never applied for, opened, or managed them. Their presence on my credit report is unacceptable, as it represents inaccurate and misleading information about my financial history. 

I take the accuracy of my credit profile extremely seriously. The appearance of these unauthorized accounts is of significant concern, and I require immediate clarification on why they are being reported and who is responsible for furnishing this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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 contacting you to dispute a false late payment entry currently reported on my credit report. I have never missed or delayed a payment on this account, and the reporting is factually incorrect. This misinformation is severely damaging my creditworthiness and causing undue stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/year>, I was enticed to apply for a Capital One XXXX XXXX ( that has a {$95.00} annual fee ) based on its most prominently advertised reward, which is that you get XXXX in rewards points. The card was shipped out to me XX/XX/year>. However, I've had issues using it in many places because the chip hardly ever works, so I often try using it and then give up after failed attempts and then use a different card. I looked online recently and saw I only had XXXX miles instead of the advertised XXXX, so I called them to figure out how to get my XXXX miles. They said I had to spend {$4000.00} on the card within the first XXXX months. I asked what I had to do to get the miles at this point ( since a bit more than XXXX months have passed ), and there was no option they would offer me. I spoke to a supervisor, and the supervisor also refused to XXXX any extension. After going online, I can find places where it talks about the first XXXX months in the fine print, but even that's not 100 % clear that if you don't spend the {$4000.00} within those first XXXX months, you lose the XXXX miles ENTIRELY. You could easily assume that it just means that after you spend {$4000.00} in the first XXXX months, you get your miles then, but if it takes you longer, then you only get your miles later. For example, in XXXX of the images I attach below, it says you " Earn XXXX bonus miles once you spend {$4000.00} within the first 3 months with the XXXX card, '' and there's no reason to assume that you entirely forego the miles if it takes you longer than XXXX months to spend {$4000.00}. And, in some places, as shown in some of what I'm attaching, they don't talk about the XXXX month limit at all and simply advertise the XXXX miles prominent and say " Terms apply, '' or, as in the first image, say NOTHING about XXXX months and write : " Earn XXXX Bonus Miles -- Equal to {$750.00} in Travel Rewards After You Spend $ XXXX with Venture. '' Nor do they send you any emails or give you a call to warn you about this term or about your time ticking. Given the issues I've had using the card due to the defective chip, and given my excellent credit history, you would think they would be a bit flexible and reasonable, but they both refused to honor the term through an extension or to refund my annual fee. It is highly deceptive to steal the customer 's main reward for getting a card in this fashion by relying on the fine print and not offering a reasonable extension in these circumstances, where I've had difficulty using the card due to the defective chip.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: GA

Complaint narrative:
I have previously disputed XXXX, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief