vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America continuously restricts my card every month when my renter 's insurance payment is presented to them. They used to block the payment but now they allow it and send me alerts to approve it for no reason. I've called them every month since XX/XX/year> to stop doing it. Yet, here we are in XXXX with this issue still not fixed. Every representative I speak to tells me it won't happen again but that is a lie! They know my XXXX insurance payment comes out every month and has been for over a year. How is it suspicious when it comes out EVERY MONTH? Ive never reported this company for fraud or filed a claim about them. I don't know why they started forcing me to approve that transaction. And each time they add other transactions that supposedly need approval but I dont get alerts on those and those dont get my card restricted. That is why I barely use my account with Bank of America and transfer the money that comes in to my credit union instead. It is crazy to keep telling me it won't happen again but it does. I need this to stop. I hate doing business with them at this point!

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 2025-04-10 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: TX

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

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 2025-04-10 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: IL

Complaint narrative:
I just recently looked at my credit report XX/XX/XXXX. I seen 11 hard inquiries that do not have permissible purpose. 

XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B. 

XXXX. XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B. 

XXXX. XXXX XXXX  XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B. 

XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete This inquiry due to violation of USC 1681B. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B. 

XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B.

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 2025-04-10 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized inquiries and accounts that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an XXXX XXXX  According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. I have also included letters addressing each bureau that is reporting these inaccuracies. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized inquiries and accounts that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an XXXX XXXX  According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. I have also included letters addressing each bureau that is reporting these inaccuracies. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX Inquiries : 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 2025-04-10 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: CA

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

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 2025-04-10 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: GA

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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:
I recently reviewed a copy of my credit report and notice I had fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit.

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 2025-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX payment was not accepted because it was {$6.00} short ; lender refused to apply payment that was issued from their bank account to their loan department because I questioned the increase of insurance. They cancelled my homeowners and started a new policy charging XXXX per year without my knowledge. Home is a XXXX sf townhome connected on both sides by other homes. Insurance should XXXX per year per contract with increase to XXXX per year for wind last year. In XXXX taxes were lowered because I appealed and value has decreased to XXXX from XXXX. Bank refunded in XXXX and in XXXX meaning there should be no increase. They initiated and increased the insurance so it is over insured so they could increase the escrows needlessly. Now they are punitively rejecting payments to harass and force payment where not needed. I have an appointment with bank to discuss in person however I would like a formal review by this agency since they are mismanaging the loan and overcharging.

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 2025-04-10 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: TX

Complaint narrative:
I have discovered late payment notations on my credit report that are false and need to be corrected right away. These inaccuracies are unfairly reducing my credit score and jeopardizing my financial health. I consider this completely unacceptable. 

Some of the reported late payments were made on time, while others appear to stem from internal processing issues. If these late marks can not be validated with original recordssuch as dated billing statements and signed account agreementsthey should not be present on my credit file. The FCRA requires all reported data to be factually accurate and verifiable. 

I am demanding the immediate correction or deletion of these late payment entries. If the reporting companies can not produce solid, documented proof, these items must be removed. Failure to address this promptly will be considered a deliberate violation of federal consumer protection 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 non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
All of my accounts report to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Experian told me I needed to attach a copy of my chime secured credit card with statements to prove my address. This is my CORRECT ADDRESS! 

Remove the address XXXX XXXX XXXX that is NOT MY ADDRESS NOR I HAVE NO CLUE HOW IT BECAME MY PRIMARY. ALL OF MY ADDRESSES RESEMBLE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SINCERELY, XXXX XXXX UPDATE MY ADDRESS AND REMOVE THE XXXX XXXX  ADDRESS!

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 2025-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Bank : Wellsfargo Error : a check that I wrote as a deposit on a home I was purchasing was cashed and cleared from my Wellsfargo checking account on XX/XX/XXXX. Unprompted the banking institution, XXXX XXXX XXXX XXXXXXXX for the closing attorney reprocessed the draft Friday XX/XX/XXXX for no apparent reason. I immediately contacted Wellsfargo to alert them to the issue. In response I filed a formal fraud complaint and closed my checking account associated with the check and reopened a new one. On Saturday morning the funds were back in my account and remained there until midnight on Monday when the check was processed again. I again called Wellsfargo who will not respond directly outside of telling me they have 10 days to investigate. Wellsfargo failed to catch the fact they were honoring the same exact Check twice, the check was over 6 months old when they processed it for a second time, and then ultimately allowed the check to come from a checking account that was not associated with the check written as it was closed due to fraud. It has been 8 days that I have been missing {$15000.00} at the failure of Wellsfargo security procedures and can not get a human to speak to me.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
( XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/1996 ), ChexSystems Consumer ID : ( XXXX ), Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ChexSystems Consumer Reporting Agency , block information appearing on my consumer 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 checking account opened at XXXX XXXX  with an account number ending in ( XXXX ), an original charge off amount of $ ( XXXX ), and a closure status of unpaid. Ive attached a copy of the consumer report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned checking account activities as reported. The aforementioned checking account appearing on my consumer report maintained by you was not opened, made, or initiated by me. The aforementioned checking account is the result of identity theft and fraud. I have attached a copy of a photo ID card, social security card, and a utility bill as proof of my identity. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and ( XXXXXXXX XXXX XXXX ) Police Report # ( XXXX ) as proof from the XXXX Federal Trade Commission and XXXX XXXXXXXX XXXX XXXX  ) that the aforementioned checking account is 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 2025-04-10 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: IL

Complaint narrative:
unauthorized hard inquiriesXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: IL

Complaint narrative:
unauthorized hard inquiriesXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: LA

Complaint narrative:
Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Equifax for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are several inaccurate items appearing on my credit report that must be addressed without delay. Some contain incorrect information that doesnt match any of my records, others are completely unfamiliar, and several appear to have been added without any proper verification. This is a clear violation of the FCRA, which requires that all data on a credit report be 100 % accurate and verifiable through reliable documentation. 

To resolve this issue, I am demanding the immediate and permanent removal of all disputed information. If the data furnishers can not produce valid evidence confirming the accuracy of these entries, they have no legal right to remain on my file. I expect prompt action to correct these errors and restore the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief