vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
In late XX/XX/year>, I saw a fraudulent charge on my Bank of America credit card account. I disputed the charge and it was resolved. In early XX/XX/year> I saw another fraudulent charge on the said credit card account. I called the Bank to resolve the issue and they were not able to verify my identity over the phone. There appears to be a telephone number on my account that I did not place on there and therefore am unable to access. Further calls to Bank of America to resolve the issue resulted in me being blocked from my Online Banking app/website. When I called regarding this, I was told that I need to visit a Financial Centre with XXXX forms of ID. I live in XXXX and work seasonally in the U.S. I had to travel to the U.S. on the XXXX of XXXX and visited the Bank on the XXXX of XXXX to resolve the issue. I shut down my savings accounts and opened a new one but only change the card for my credit card account. I left the U.S. on the XXXX. In the week of XX/XX/XXXX, I saw another fraudulent charge on my credit card for a XXXX flight which I did not book. I went through the same process with Bank of America to get the issues resolved to no success. Now, they are requiring that I show up again, in person, to resolve the issue. This is not feasible for me as I dont want to encounter any issues with immigration where frequent, short travels are concerned. Clearly, Bank of America does not have the resources or processes in place to deal with international customers and it is a shame. I have no access to my money and theres no way to resolve the issue while residing outside of the U.S.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I regularly review my credit report because my credit score is important to me, and I continue to see multiple accounts reporting inaccurate and false information. This has been a recurring issue that has not been corrected despite being raised multiple times. The ongoing presence of these inaccuracies is stressful, exhausting, and is unfairly damaging my credit score and negatively affecting my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NV

Complaint narrative:
I am requesting a review and correction of the following information reported on my credit file. I believe these entries may be inaccurate or misleading, and I respectfully ask that you investigate them in accordance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX XXXX, XXXX, XX/XX/XXXX, {$6100.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$420.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$630.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$200.00} XXXX, XXXX, XX/XX/XXXX, {$570.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} INQUIRIES XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX LATE PAYMENT 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 2025-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Its been a long time since it happend but i lost my social and got a new one.But before that someone had to have used it to hit my bank account and now no bank will let me open account nowhere.so i honestly need help with getting this coverd because its affecting me tremendously to where i can not receive funds because someone had got a hold of my old social security card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: Experian Information Solutions Inc.
State: MD

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 XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: MD

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: MD

Complaint narrative:
I am writing regarding my Experian credit report dated XX/XX/XXXX. I have identified multiple accounts that are fraudulent, inaccurate, and unverifiable, and I am formally disputing each. These accounts have been reported since XXXX, yet there has been no resolution, no debt validation, and no XXXX issued. Reporting them in this manner is false, misleading, and legally impermissible. 
The accounts in question are : XXXX. XXXX XXXX XXXX XXXX ( Account Ending XXXX ) XXXX late payments, paid and closed XX/XX/XXXX, {$0.00} balance, {$600.00} credit limit. 
XXXX. XXXX XXXX ( Account Ending XXXX ) XXXX potentially negative months, {$12000.00} charged-off balance, secured LOC. 
XXXX. XXXX XXXX XXXX ( Account Ending XXXX ) XXXX potentially negative months, {$1100.00} charged-off balance, credit card. 
XXXX. XXXX XXXX ( Account Ending XXXX ) XXXX potentially negative months, {$2200.00} charged-off balance, secured loan. 
Key Issues : Fraudulent and unverifiable reporting : None of these accounts have had proper debt validation as required under federal law, yet they have been continuously reported for over XXXX years. 
No XXXX issued : Despite account openings dating back to XXXX, no cancellation of debt forms have been provided to me, violating 26 U.S.C. 108 ( d ) ( 1 ). 
Violation of the FCRA : Reporting of these accounts without proper verification violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which obligates Experian to conduct a reinvestigation of all disputed accounts, and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates accurate reporting by furnishers. 
Legal precedent : Courts, including XXXX v. USAA, have established that unverifiable or fraudulent accounts must be corrected or deleted immediately. 
Longstanding unresolved reporting : These accounts have been on my credit report since XXXX with no attempt at resolution, continuing to harm my credit and financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
I am filing this complaint because a debt collection agency XXXX XXXX  # XXXX & XXXX XXXX  # XXXX has continued to contact me regarding an alleged debt even after I sent a formal Cease and Desist Letter under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I clearly requested that they stop all communication with me about this account, but they have continued to call, email, or mail me after receiving my written notice.Their continued communication is a violation of my rights under the FDCPA, which prohibits debt collectors from contacting a consumer after receiving a written request to stop. I am requesting that the CFPB review this matter and ensure the company ceases all contact, removes any false reporting from my credit file if applicable, and complies with all federal collection 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 explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} Inquiries XXXX  Date : XX/XX/XXXX Late Payments 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 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Multiple unauthorized transactions were processed on my Cash App account from the same vendor over a four-day period. These transactions were not authorized and were inconsistent with the normal and very limited usage of the account. 

I reported the activity to Cash App, and Cash App determined that the transactions were fraudulent. Cash App refunded some of the fraudulent transactions from this vendor but denied refunds for other transactions from the same vendor and time period. 

I appealed the denial and requested an explanation for why some transactions that Cash App identified as fraudulent were refunded while other identical transactions were not. Cash App denied the appeal and did not provide a substantive explanation for the inconsistent treatment. 

Once Cash App determined the activity was fraudulent, there is no reasonable basis to selectively refund only part of the loss while denying refunds for other transactions involving the same vendor, same pattern, and same timeframe. I am requesting consistent treatment and a refund for all transactions that Cash App already determined to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent information currently appearing on my credit report, in accordance with 15 U.S.C. Section 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
Despite multiple prior disputes and the supporting documentation already provided, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed is a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC Report Number : XXXX ) as evidence of identity theft. 
Pursuant to 15 U.S.C. Section 1681c-2, once an identity theft report is received, a credit reporting agency is required to block the disputed information within XXXX ( XXXX ) business days. This obligation has not been met. 
The account that must be blocked and removed immediately is : XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit reporting agencies have already deleted this account after being unable to verify its legitimacy. Additionally, the furnisher has failed to provide any signed agreement or verifiable documentation for more than 60 days, confirming that this account can not be validated. 
Nevertheless, EQUIFAX continues to report this account, knowingly allowing inaccurate and harmful information to remain on my credit file. 
This ongoing failure to remove the fraudulent account has resulted in significant financial and personal harm, including credit denials and the inability to pursue essential financial goals such as home ownership. 
I respectfully request that the Consumer Financial Protection Bureau review this matter and ensure compliance with federal law by requiring that this fraudulent account be blocked or removed immediately, and that confirmation of such action be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: IN

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they XXXX be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I opened a credit card account. Shortly after, the original card was lost, and a replacement card was issued by the bank. 

The replacement card was never received by me. I never had physical possession of the card and never activated it. 

Previously, the banks mobile app showed the full card issuance and delivery history, including card created, card shipped, and out for delivery. After I filed the fraud dispute, this information disappeared from the app, even though the bank must retain these internal records. 

On the same day the replacement card went missing, unauthorized charges totaling {$520.00} were made in a different state from where I reside. These transactions were not authorized and could not have been made by me. 

In their written response denying my fraud claim, Bank of America stated : We confirmed your card was used for the charge ( XXXX ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. 

This is impossible, because I never received or possessed the replacement card. I could not have used the chip, entered a PIN, or signed for any transaction. The statement directly contradicts the fact that I never had the card in my hands. 

I contacted the bank multiple times to report the fraud and dispute the charges. Despite this, the bank denied my fraud claim without providing proof of delivery, activation, or authorization of the card. 

I am requesting that the bank conduct a proper reinvestigation, provide the card issuance, delivery, and activation records, remove the fraudulent charges, and ensure that I am not held responsible for unauthorized transactions. 

Important Card Information : Last XXXX digits of the card : XXXX Disputed amount : {$520.00} Important dates : Date of the unauthorized charges : XXXX Dates of contacts with the bank regarding the dispute : XXXX, XXXX, XXXX Bank claim number XXXX XXXXXXXX Account holders address : XXXX XXXX XXXX, XXXXXXXX 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 monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: CA

Complaint narrative:
I chose to make a balance transfer of {$12000.00} from another credit card to my Discover card which was completed on XX/XX/year>. The condition of this balance transfer was that I get 12 months interest free period for a transfer fee of {$600.00}. 

However, Discover has processed an automatic payment for {$12000.00} on XX/XX/year>. This included payment for the {$12000.00} transferred balance in full. This happened even though I paid the {$600.00} fee for 12 month interest free period. I didn't realize this at the time of this automatic transaction. 

However, when I checked and realized - I contacted Discover on XX/XX/year> asking for help on XXXX of XXXX things : either a ) undo the automatic transfer to let me continue to pay the {$12000.00} equally over 12 months i.e. {$1000.00} per month or b ) refund the {$600.00} fee I paid since the transfer fee was for a XXXX period where as in reality I paid the full balance without needing any extra period than my usual billing cycle. 

Discover agent on the phone said they can not help me but will escalate the issue after which I can expect to hear back in XXXX business days. It's been 3 months since I contacted but the issue is still NOT resolved.

Company response to consumer: Closed with monetary relief