vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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:
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.

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 2025-07-28 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:
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 2025-07-28 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 2025-07-28 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: CA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I'm filing this complaint because the credit bureau is still reporting multiple hard inquiries that were made without my knowledge or permission. Ive already disputed these, and yet nothing was removed. This is identity theft, and your failure to act is unacceptable. I never gave written consent to any of the following companies to access my credit file : 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. These inquiries are completely unauthorized and were pulled without a valid reason. Under 15 USC 1681b, no company is allowed to pull my credit report without a legitimate, permissible purpose and none exists here. You're also in violation of 15 USC 1681e ( b ) for failing to ensure maximum possible accuracy. Theres been no real verification, just careless reporting. Im demanding these inquiries be deleted immediately. If this is not resolved, I will escalate this with formal complaints and take legal action as needed.

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 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I disputed a charge more than XXXX business days ago. My bank has not provided provisional credit and refuses to give me a written explanation for the denial, which violates Regulation E.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-28 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NV

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
I am a XXXX veteran and I noticed that my Apple Card had various charges that I did not make. I advised them that I had a XXXX in XXXX but noticed the charges kept increasing every year. I attempted to get resolution through XXXX and then through Goldman Sachs, but they stated the charges were mine. After the dispute they closed my card and said it did not meet their expectations of a card holder. The card was closed once I submitted a second dispute alleging that they did not investigate the first complaint throughly. I had no other charges on my account when closed. They told me my balance was XXXX I think, so I paid it the same day they closed my account so I could get rid of their shady practices. Earlier this month in XX/XX/XXXX I find that there is a report to my credit agency of a late payment of XXXX dollars to Goldman Sachs which they now state that I owe over XXXX dollars. This was a total surprise to me as no one has ever reached out to me, I just found this on my credit report. I work hard to keep my credit in a good place, but the practices of this shady company is jeopardizing that. I advised Goldman Sachs that I never authorized anyone to make charges and as I had a XXXX I was not in control of my equipment at all times. I have disputed this on my credit report to the three bureaus already. I also have evidence from Goldman Sachs in the form of an email. This company is trying to take advantage of a XXXX person/veteran for their own monetary gains. Any assistance would be greatly appreciated. I am also in the process of purchasing a mobility XXXX with the VAs XXXX grant and this most likely could hurt my chances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

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 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR

Complaint narrative:
UMPQUA BANK CASHED XXXX # XXXX ON XX/XX/year> FOR XXXX XXXX FOR THE SUM OF XXXX. ON XX/XX/year> THEY CASHED XXXX # XXXX FOR XXXX XXXX FOR THE SUM OF XXXX. I WAS TOLD BOTH CHECKS WERE REMOTE DEPOSITED IN XXXX, TEXAS. YOU CAN PLAINLY SEE THEY WERE PRINTED FRAUDULENT CHECKS, SO THEY CLOSED MY ACCOUNT, OPENED NEW, TURNED IT OVER TO FRAUD DEPT. SAID THEY WILL REPLACE FUNDS IN ABOUT XXXX DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I deposited a {$5000.00} check from the XXXX Treasury Department into my Bank of America checking account. The check is legitimate, government-issued, and I confirmed directly with the issuing agency that there is no stop payment, no return risk, and funds are available.

At the time of deposit, the Bank of America teller informed me that there was no hold from the issuing bank, and that funds should be available the next business day. Despite this, Bank of America placed a multi-day hold on the check and provided no valid explanation. 

I advised the bank to verify the check by reviewing official documents from the State Treasury Department, which confirm the legitimacy and availability of the funds. Instead of doing so, Bank of America continued to hold the funds without justification. 

I contacted Bank of Americas customer service line on XX/XX/XXXX, XXXX, and XXXX, requesting assistance, escalation, and documentation of the hold. I also made multiple attempts to reach the local branch by phone, but no one answered. 

I further requested : A written explanation of the hold, The status of the check, A return of the physical check, A supervisor or risk team review, And documentation of the financial harm caused. 

All of these requests were denied or ignored. I was only given vague responses about policy without any specific explanation. 

As a result of this unlawful hold : I incurred late fees on multiple accounts, My auto loan is now at risk of default, And my credit score has been negatively impacted. 

This appears to violate : Regulation CC, which governs timely availability of funds, The UCC, which confirms a customer retains rights to a check until it clears, And CFPB/UDAAP guidelines against unfair and harmful banking practices.

Bank of Americas actions have caused serious, preventable financial harm and I am requesting immediate regulatory review and intervention. I filed and internal complaint with BOA, the complaint ID # : 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 2025-07-28 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: VA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX  or Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: MI

Complaint narrative:
I am filing this complaint because First Advantage has continued to report outdated and legally unusable information in background checks, despite a binding federal court injunction. As a result, I have lost XXXX employment opportunities XXXX with XXXX and XXXX with XXXX both in XXXX. 

Dates and Actions : - XX/XX/XXXX : A federal judge ( XXXX. XXXX XXXX XXXX ) issued a final ruling in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX permanently enjoining the State of XXXX from enforcing the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX against individuals whose offenses occurred before XX/XX/XXXX. The ruling declared that the law violates the U.S. Constitution as applied to this group and prohibited any continued use of that registry data. 

- XX/XX/XXXX : I applied and was conditionally accepted for a XXXX XXXX XXXX job through XXXX. After completing onboarding steps and passing a drug screening, I was denied employment based on a First Advantage background check that contained the above-mentioned prohibited XXXX data. 

- XX/XX/XXXX : I applied and was again conditionally accepted for a similar position through XXXX with XXXX XXXX. The position aligned with my career goals and school schedule. I passed onboarding requirements and was prepared to start. I was then denied due to the exact same First Advantage report again containing the invalid registry data.

- Total lost income between the XXXX jobs exceeds {$4500.00} to date, with additional career harm resulting from delayed employment. 

Additional Facts : - The background check consent form I signed through XXXX listed XXXX as the vendor. However, First Advantage ran the background check instead. 

- I contacted XXXX in XX/XX/XXXX, and they confirmed no report had been conducted on me. 

- The First Advantage report contains only XXXX negative item : the obsolete XXXX listing, which should not have been included under federal law. The report would otherwise be clean. 

- I was not given proper pre-adverse action notice with sufficient time to dispute the information in either case. 

FCRA and Legal Violations : - FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy of the information reported.

- FCRA 1681b ( b ) ( 3 ) ( A ) : Failure to provide appropriate pre-adverse action notice and opportunity to respond.

- FCRA 1681i ( a ) : Failure to reinvestigate disputed data before action is taken.

- FCRA 1681k ( a ) : Failure to notify consumer at the time public record information was used in an employment decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
Message was that senders XXXX  account was broken, and they would pay me if I used my account to send on their behalf. On XX/XX/XXXX. 

I have the identity of this person as well. 

I did as he instructed and sent the money to he instructed with a card he put into my account. I sent to another account who was then instructed to take it out and XXXX it back. There was XXXX that was left to us but we it just went into paying off the debt on another account. At no point did he disclose the card was not his, and it was disputed. 

The dispute left a negative balance in an account of a friend. That is not accurate. We were not able to benefit or profit from the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: IL

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
I deny any association with the accounts listed and consider them fraudulent. Please take action to remove them and conduct a full investigation. Evidence is included.

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