vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
When reviewing my transaction history online on XX/XX/year>, I noticed multiple transactions that I did not recognize. such as ; three different transactions ln the same day, saying that they were overdraft transfer fees. one was for {$57.00}, another one was for {$13.00}, and another one was for {$40.00}. when I spoke with a representative over the phone about these particular transactions, they stated that ; " in my transaction history, it showed that I didn't have enough money in my checking account. After that, I explained to the representative that ; " as soon as I noticed that I didn't have enough money in my checking, I would immediately respond to those notifications and, transfer the amounts that was necessary. she said that even though I did it like that, the fact that I didn't have enough funds, overdraft fees will automatically be applied to my account now. this is completely new to me and it's also the first time that they did it like this. in my experience with banking with them and the same situation occurred like if I did not have enough money in my checking, they would immediately pull the amounts necessary from my savings and add it to my checking account. And that's exactly what they were supposed to do because, i have opted in to the feature they have available for people with checking and savings accounts. it's called overdraft protection. With this being a three day weekend, Labor Day being tomorrow, it added an extra delay. The representative made me aware that to expect for these charges and fees to finalize at the latest Thursday this week. I drive for XXXX  and I'm renting a vehicle to be able to drive because I don't have a car of my own. I also am a doordash delivery driver. XXXX needed some of this money that was owed for the rental car. Since since they agreed payment was not made, i had to return the rental I'm currently without work, and this situation with Bank of America just caused a complete domino effect on everything else that I had planned on doing and needing to do with my business. In total Bank of America used and took hundreds of dollars of mine. there are other transactions that I attempted to dispute with the representative over the phone but was unable to follow through with that process due to these transactions still being in the processing stage. Just like the ones I just described. she told me that I had to wait until they were finalized which won't be until Thursday of next week. And to top it off because of the obscene amount of money bank of America has on hold of mine for all these unheard of reasons, I'm broke.

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 2025-09-01 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:
I am filing this CFPB complaint due to me never given written consent for this company have my information.This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX  and XXXX 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. This fraudulent, inaccurate, and false information consists of a personal account under 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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this CFPB complaint due to me never given written consent for this company have my information.This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XX/XX/XXXX, Equifax andXX/XX/XXXX 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. This fraudulent, inaccurate, and false information consists of a personal account under XXXX XXXX XXXX account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am filing this complaint against TransUnion for their continued reporting of a late payment accounts on my credit report which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. I previously submitted a formal dispute regarding this inaccurate entry, yet TransUnion failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute reinvestigation. TransUnion appears to rely solely on automated systems such as XXXX rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation. Further, under FCRA 607 ( b ), TransUnion has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. I am also aware that in XX/XX/year>, the CFPB sued TransUnion for failing to properly investigate consumer disputes and continuing to report inaccurate data .. My experience is consistent with those systemic issues and shows these practices are still ongoing. I am requesting the CFPB to require TransUnion to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. I have attached my formal dispute letter dated XX/XX/year>, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

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 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MD

Complaint narrative:
My cashh app account was suddenly and unexpectedly closed do to violations of privacy policy however I never really used cash app only to get a loan from family and then to pay them back I spoke to customer service they said I was sent a email i never received the email i asked them to resend it they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
On XX/XX/year> I contacted Coinbase to help unlock my account that I believe was locked by mistake. XXXX from Coinbase helped my unlock my account at XXXX. 

On XX/XX/XXXX my Coinbase account was locked again. Again I called Coinbase to unlock my account. It appeared to be unlocked so I could access my account. Later that day I went in to look at my account to find activity within my account that was not my doing. Several bitcoins were transferred to XXXX and then sold and transferred out of my account in the amount of {$570.00}. This was almost all of the amount of money in my account. on XX/XX/year> I got a hold of Coinbase and reported the theft from my account in the amount of {$570.00}. 

They said that they are not responsible for money missing from my account. And that it was withdrawn from a third party that was not their responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
under 15 USC 1681c-2 block and remove this fraudulent account immediately I did not consent to this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX  XXXX Subject : Complaint Regarding Unauthorized Credit Inquiries Under FCRA To Whom It May Concern : I am filing a formal complaint regarding unauthorized hard inquiries that have appeared on my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ), no one may access my credit report without my explicit written consent or a legally permissible purpose.

The following hard inquiries were reported, but I did not authorize any of them : XXXX Financial XXXX inquiries on XX/XX/XXXX XXXX XXXX  XXXX inquiry XXXX XX/XX/XXXX XXXX Multiple inquiries in XXXX ; account is closed and not connected to any open account Key Issues : These inquiries were made without my knowledge or authorization. 
Under FCRA, companies must provide documented proof of authorization for each inquiry. 
If they can not provide such proof, the inquiries must be removed immediately from my credit report. 



Action Requested : I request that the CFPB require TransUnion and the following companies : GM Financial, XXXX XXXX, and XXXX to : XXXX documented proof that I authorized each of these credit inquiries. 
XXXX.Remove all inquiries from my credit report if they can not provide valid authorization.

3.Confirm in writing that my credit report has been corrected if removal occurs.

Supporting Documentation : I have attached a copy of my credit report highlighting the unauthorized inquiries for your review.

Conclusion : Under FCRA Section 604 ( a ) ( 3 ), unauthorized credit inquiries must be deleted promptly if no proof of authorization exists. I request these entries be investigated and removed immediately to maintain the accuracy and fairness of my credit report.

Thank you for your prompt attention to this matter. Please confirm receipt of this complaint and inform me of the next steps. 



Sincerely, XXXX XXXX XX/XX/XXXX XXXX [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Repeatedly all three major bureaus has violated and trampled upon the FCRA provisions the disallows the reassertion of accounts that were birth from true identity theft. See attached descriptive letter attached which highlights the relative laws and case precedence..

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of Identity theft. I am submitting fraudulent items.

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 2025-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: GFS II, LLC
State: AL

Complaint narrative:
I am currently occupying the home in which Id like to close on. I attempted to close on the home last year around XXXX. The underwriter denied me at closing due to a child support account and a delinquent car loan. I dont understand how to correct the child support because it currently is deducted from my check each month and even at that time it was. As far as the car loan, it was parked and hit and was no longer drivable. My insurance paid off so much of the loan, but left me in a situation where I couldnt afford to make a new purchase ( that I currently have perfect payment history on ) and pay off the balance on the totaled vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: MI

Complaint narrative:
The credit reporting agency gve a teribly low credit score based on NUMBER OF REPORTED BANK ACCOUNTS, NUMBER OF EMAIL ADDRESSES, NUMBER OF CELL PHONENUMBERS. 

None of these items merits reporting a XXXX XXXX XXXX! when i inquired i got the run around, the customer service reps were very rude and refused to allow me to speak with management.

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 2025-09-01 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my credit report XXXX XXXX XXXX XXXX XXXX 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 2025-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
XXXX XXXX is a non-profit organisation registered in XXXX, XXXX. During XXXX, XXXX provided free PPE masks to those who couldn't afford them. XXXX signed an agreement with XXXX XXXX XXXX XXXX ( XXXX ) for the supply of XXXX XXXX XXXX  masks. As part of the agreement, XXXX was asked to deposit {$550000.00} into a XXXX XXXX  account in XXXX, XXXX. Two payments were made on XXXX XX/XX/XXXX for {$280000.00} and a second on XXXX XX/XX/XXXX for {$270000.00}. XXXX never received any masks. XXXX sent a letter saying they would refund the money that had been paid, plus a {$50000.00} penalty fee. No money was ever paid back to XXXX, and they remain out of pocket to this day. 

We now know that XXXX was defrauded, and the account in XXXX was being used to launder money. There is a XXXX XXXX  investigation, which is ongoing. 

We believe that Bank of America failed in its duty of care to XXXX, and as such, we believe that Bank of America is liable for the missing monies that XXXX paid to Mitigate. What checks took place to confirm the beneficiary bank account was legitimate? Did BOFA follow the correct compliance rules before agreeing to transfer such large amounts of money? There are lots of questions, but at present no answers. Therefore, we would like this issue to be fully investigated and XXXX to be compensated for the problems they have encountered. 

We can provide further details if necessary, such as bank accounts, names, addresses, etc.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding Inaccurate Credit Reporting Under FCRA To Whom It May Concern : I am filing a formal complaint regarding inaccurate information appearing on my TransUnion credit report that is causing significant harm to my credit standing. Specifically, the report lists multiple late payments for the following accounts : XXXX XXXX missed payments XXXX XXXX  XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 1681i and 1681s-2, credit reporting agencies and furnishers of information are required to ensure maximum possible accuracy of the information they report. If an item can not be verified, it must be corrected or removed within 30 days.

Key Issues : 1.These late payment entries are inaccurate or unverifiable and do not reflect my actual payment history.

2.The information is causing serious harm to my credit score and financial opportunities.

3.TransUnion has a legal duty under FCRA 1681i to conduct a reasonable reinvestigation of any disputed information and remove or correct it if it can not be verified.

Action Requested : I request that the CFPB investigate this matter promptly and require both TransUnion and the furnishers of this information ( XXXX XXXX XXXX ) to : 1.Conduct a full reinvestigation into the accuracy of these late payment entries. 
2.Provide written verification and documentation proving the validity of these reported late payments.

3.Remove all inaccurate or unverifiable late payment entries from my credit file immediately if such proof can not be provided. 



Under the FCRA, unverified or inaccurate information must be deleted within 30 days of a dispute. I request that these negative entries be removed or corrected immediately to restore my credit to accurate status. 

Thank you for your prompt attention to this matter. Please confirm receipt of this complaint and advise me of the next steps. 



Sincerely, XXXX XXXX XX/XX/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 2025-09-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
Tried using it at a store today and didnt go through

Company response to consumer: Closed with explanation