vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: AR

Complaint narrative:
I was a victim of the Transunion and Equifax breach ; due to such, there are inaccuracies on my credit reports

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 2025-10-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding an unauthorized hard inquiry from XXXX XXXX dated XX/XX/year> that appeared on my Equifax credit report. I did not apply for credit, open any accounts, or give XXXX XXXX permission to pull my credit file on or around that date. The presence of this inquiry is alarming because it suggests that either Equifax failed to confirm proper authorization or that my personal information was accessed without valid consent. 

The Fair Credit Reporting Act requires that every inquiry made on a consumers credit report be permissible meaning it must be authorized by the consumer for a legitimate purpose. I have no existing or prior relationship with XXXX XXXXXXXX and have never conducted business with them. The fact that this inquiry is present demonstrates a lapse in Equifaxs duty to ensure my credit data remains secure and accurate. This situation has left me feeling violated and frustrated, as my private financial information should not be accessible to anyone without my explicit consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This has started about 1 year from current date .I 've been trying to dispute 3 transactions I have documents and transactions, letters and even a compensation check from bank of america stating its for any harm that occurred during the time my card was compromised and fraudulently used with out my permission.And they want me to provide information about my whereabouts which I did provide I dont have to much as I was very ill with covid therefore there's not much information I have about those unauthorized transactions that occurred. Under the electronic act and electronic E 1005 financial institutions must not put burdens on consumers to provide evidence about to provide evidence i did not authorize or conduct.and provide provisional credit during investigation .and have a reasonable and fair solution to return funds after acknowledging my account was fraudulently compromised. The amount is around XXXX which is the banks poorly security with consumers accounts.

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 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Since XXXX until XXXX I banked with TD Bank. I had XXXX personal and XXXX business accounts. I also had all XXXX of my kids accounts. TD Bank misrepresented account costs and they lowered and raised them over the years. They charged my main business XXXX XXXX XXXX approximately {$12000.00} in analysis fees, international ATM fees and overdraft fees. Can banks really charge {$35.00} per electronic overdraft still? It seemed TD would take the largest charge of the day and put it first so all the smaller charges would also incur a {$35.00} overdraft fee even if the last charge was at the very end of the day after all the others. At XXXX point XXXX of the bankers convinced me to join their XXXX account so I could wire funds internationally while I traveled. She assured me it wouldnt cost more yet they charged me anywhere from nearly {$200.00} to XXXX XXXXXXXX in fees. It took nearly a year to exit the service. 
Regarding my personal account ( XXXX ) I paid {$10000.00} in international ATM fees and monthly fees even though I repeatedly requested XXXX to put me in touch with someone in management who could help change this but to no avail. 
Regarding my other XXXX business accounts ( XXXXXXXX XXXX XXXX ) I paid about {$3200.00} in monthly maintenance fees, international ATM fees and overdraft fees. What a terrible disappointment TD Bank was and unresponsive to my requests for help, change or compensation. 
{$26000.00} total is fees, etc for the XXXX years of statements I was able to analyze XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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 requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : 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 2025-10-08 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: FL

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, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. This is a formal complaint against CITICARDS CBNA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy CITICARDS CBNA 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 2025-10-08 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:
PLEASE BLOCK AND REMOVE. 
This account has been reported in error and must be deleted immediately. I never authorized it. Verification documents are 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
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under XXXX U.S. Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-10-08 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: FL

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, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: CA

Complaint narrative:
In 2023, while I was incarcerated, my Cash App account was charged XXXX times by a merchant called XXXX for a subscription I did not authorize or have access to manage. 

Because I was in custody, I could not access my Cash App account, cancel the recurring payments, or dispute them within the allowed time period. Once I was released, I regained access to my account and submitted a dispute for the unauthorized charges. 

Cash App denied my dispute and appeal, stating it was their final decision. I am requesting a formal review by XXXX XXXX XXXX XXXX department and a refund or account credit for the XXXX XXXX transactions made without my authorization while I was incarcerated. 

I can provide screenshots of the transactions and copies of the denied dispute messages if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. XXXX informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MI

Complaint narrative:
Dear CFPB Investigator, I am submitting this complaint to report multiple FCRA and FDCPA violations by furnishers and credit reporting agencies ( TransUnion, Experian, and Equifax ). My credit report dated XX/XX/year> contains false, inconsistent, and duplicated negative information that has caused damage to my credit reputation, loss of credit opportunities, and emotional distress. 

Summary of Violations : XXXX XXXX XXXX  Charged-off account showing inconsistent balances, statuses, and reporting after dispute. Violations : FCRA 607 ( b ), 623 ( a ) ( 1 ) ( A ), FDCPA 807 ( 2 ) ( A ). 

Dept. of Education / XXXX ( XXXX XXXX ) Reporting duplicate and re-aged loans as multiple derogatory items. Violations : FCRA 605 ( a ) ( 5 ), 607 ( b ), 623 ( a ) ( 2 ). 

XXXX XXXX XXXX XXXX XXXX Inconsistent late payment reporting and closure reasons. Violations : FCRA 607 ( b ), FDCPA 807 ( 2 ) ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
I am writing to formally express my concerns regarding zelle handling of disputes. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
Over XXXX my first account i had closed due to fee and charges that wasnt me dollars XXXX is my ssn

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: FL

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, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: Fairway Capital Recovery, LLC
State: OH

Complaint narrative:
I am writing to formally dispute the information contained in my consumer report obtained by Fairway Capital Recovery LLC. on XX/XX/year>. I believe that the report was accessed without a permissible purpose as outlined in 15 U.S.C. 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
I am writing to formally express my concerns regarding Zelle XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB XXXX findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-10-08 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: GA

Complaint narrative:
I need some help about the account being reported inaccurately in my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: CA

Complaint narrative:
I am disputing multiple accounts that have been inaccurately reported, reinserted after deletion, or reported without verification, in violation of the Fair Credit Reporting Act ( FCRA ). These accounts have harmed my credit score and financial standing. 

Accounts in Dispute XXXX XXXX XXXX XXXX ( Collection ) Previously deleted, reinserted without notice or verification. 

Violations : 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 8 ), 623 ( b ) ( 1 ) ( A ) ( E ), 623 ( b ) ( 1 ) ( E ), XXXX XXXX XXXX XXXX ( Collection ) I have no knowledge of this account ; reporting continues without verification. 

Violations : 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 8 ), 623 ( b ) ( 1 ) ( A ) ( E ), 623 ( b ) ( 1 ) ( E ), XXXX XXXXXXXX XXXX [ Insert Partial ] ( Credit Card ) Previously deleted, later reinserted with negative information including late payments, without verification. 

Violations : 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 8 ), 623 ( b ) ( 1 ) ( A ) ( E ), 623 ( b ) ( 1 ) ( E ), XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account shows past due amounts despite being paid and closed in XX/XX/year>. 

Violations : 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 8 ), 623 ( b ) ( 1 ) ( A ) ( E ), 623 ( b ) ( 1 ) ( E ), 616617 These accounts were previously disputed directly and/or through credit bureaus, yet negative information continues or has been reinserted without compliance. This demonstrates willful or negligent FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: CA

Complaint narrative:
I am disputing multiple accounts that have been inaccurately reported, reinserted after deletion, or reported without verification, in violation of the Fair Credit Reporting Act ( FCRA ). These accounts have harmed my credit score and financial standing. 

Accounts in Dispute XXXX XXXX XXXX XXXX ( Collection ) Previously deleted, reinserted without notice or verification. 

Violations : 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 8 ), 623 ( b ) ( 1 ) ( A ) ( E ), 623 ( b ) ( 1 ) ( E ), XXXX XXXX XXXX XXXX ( Collection ) I have no knowledge of this account ; reporting continues without verification. 

Violations : 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 8 ), 623 ( b ) ( 1 ) ( A ) ( E ), 623 ( b ) ( 1 ) ( E ), XXXX XXXXXXXX XXXX [ Insert Partial ] ( Credit Card ) Previously deleted, later reinserted with negative information including late payments, without verification. 

Violations : 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 8 ), 623 ( b ) ( 1 ) ( A ) ( E ), 623 ( b ) ( 1 ) ( E ), XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account shows past due amounts despite being paid and closed in XX/XX/year>. 

Violations : 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 8 ), 623 ( b ) ( 1 ) ( A ) ( E ), 623 ( b ) ( 1 ) ( E ), 616617 These accounts were previously disputed directly and/or through credit bureaus, yet negative information continues or has been reinserted without compliance. This demonstrates willful or negligent FCRA violations.

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