vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I deposited two settlement checks into my Bank of America checking accounts. At the time of deposit, I was told the funds would be available on XX/XX/year>. 
2. No portion of my deposit including the federally required {$220.00} next-day availability was made available on the next business day, in violation of 12 CFR 229.10 ( c ) ( 1 ) ( vii ). 
3. On XX/XX/year>, at XXXX XXXX, I called Bank of America to ask why the funds availability date had been moved to XX/XX/year> without prior notice. I spoke with a supervisor named XXXX, who told me there was nothing she could do and that it was bank policy to hold checks for up to 7 business days. 
4. During the call, I explained to the supervisor that this practice was a violation of Regulation CC, because holds must follow the statutory schedule and exceptions can only be applied case-by-case with proper notice. She maintained it was policy. 
5. Shortly after I hung up the phone, a hold notice suddenly appeared in my online portal. The notice was backdated to XX/XX/year> to make it appear as though it had been issued earlier. In reality, I received an email at XXXX XXXX  on XX/XX/year> showing that the notice was added after my complaint call. I have documented proof ( screenshots with timestamps and email records ). 
6. The notice also stated the hold would be lifted on XX/XX/year>, but that funds would not be available until XX/XX/year>. This is a deliberate attempt to disguise an 8-business-day delay as compliant, even though Regulation CC only permits a reasonable period not to exceed 7 business days. 
7. A Bank of America manager also stated to me that under the deposit agreement, the bank may hold all checks for up to 7 business days. This is inconsistent with 12 CFR 229.12 and 229.13, which require that exceptions be applied case-by-case and with timely written notice. 



Violations : Failure to release {$220.00} next business day ( 229.10 ( c ) ( 1 ) ( vii ) ). 
Failure to provide timely written notice of an exception hold ( 229.13 ( g ) ( 1 ) ). 
Retroactive backdating of a compliance notice ( serious recordkeeping and compliance violation ). 
Improper blanket hold policy inconsistent with federal law ( 229.12 & 229.13 ). 
Improper attempt to extend the hold period beyond 7 business days by claiming hold lifted XX/XX/XXXX but funds not available until XX/XX/XXXX. 



Impact : Because of these actions, I was denied timely access to settlement funds I had been waiting over a year to receive. I suffered financial hardship, stress, and risk of late fees.

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 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I WENT IN PERSON TO THE BRANCH THIS PAST THRUSDAY XX/XX/XXXX WITH A CHECKBOOK FROM ANOTHER INSTITUTION. MY WISH WAS TO PAY PARTIAL BALANCES. THE BANK REFUSED TO TAKE A CHECK FROM ME AND SUGGESTED TO PAY THRU THE PHONE AND PROVIDE THE CHECKING ACCOUNT NUMBER AND ROUTING NUMBER FROM ANOTHER BANK. 
I DID, AFTER 3 DAYS THE PAYMENT WAS NOT APPLY TO MY CREDIT CARD BALANCE.INCURRING IN LATE FEES, THE BANK REFUSED TO GIVE ME INFORMATION WHY THE PAYMENT IS ON HOLD BUT SAID THERE IS LATE FEES IF I DO NOT PAY ON TIME. BY XXXX MY ACCOUNT WAS FREE OF LATE FEES. 
I CALLED THE CUSTOMER SERVICE AND THEY DO NOT ANSWER MY QUESTIONS MADE ME STAYED ONLINE OVER 90 MINS AND TRANSFER ME TO THE MAIN CUSTOMER SERVICE OPTION AND NOBODY GIVE AN ANSWER ABOUT THIS.MY CALL WAS TRANSFER TO 8 DIFFERENT REPRESENTATIVES AND NOBODY COULD FIX THIS PROBLEM THE BANK POLICY SECURITY ASKED ME SEVERAL TIMES PASSWORD ADRESSES, BUT THEY CANT DO ANYTHING TO FIX THIS ISSUE. I SUPPOSED GOING TO THE BRANCH WAS THE BEST OPTION TO PAID THESE BALANCES BUT NOW I AM VERY DISAPPOINTED. I THINK THE BANK ACTION IS TO NOT TO TAKE MY PAYMENTS AND CHARGE ME THE LATE FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: OH

Complaint narrative:
Subject : Dispute of Inaccurate Account Reporting To Whom It May Concern, I am writing to dispute the accuracy of the account reported by XXXX XXXX XXXXXXXX on my TransUnion, Experian, and Equifax credit report. Neither XXXX XXXX XXXX nor TransUnion, Experian, and Equifax provided me with the disclosures required under federal law prior to reporting this account. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), consumer reporting agencies must conduct a reasonable investigation of disputed information. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ), a debt collector is required to provide a written notice containing specific information regarding the debt before taking collection action. 

I further note that verification under the FCRA requires attestation or certification of accuracy, as recognized in Rosengarten v. McDonald ( Case No. 14-1256, 2015 ), and this standard has not been met in this instance. 

I request that TransUnion, Experian, and Equifax and XXXX XXXX  XXXX provide proper verification of this debt, including the documentation used to report it, or remove the account from my consumer report. 

Please find attached copies of my government-issued identification and proof of residency to verify my identity. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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:
This report of a late payment is inconsistent with my payment record. Kindly update my account.

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 2025-09-02 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
I am filing a formal dispute against Caine & Weiner regarding an alleged account reportedly opened on XX/XX/year> in the amount of {$290.00}. I do not acknowledge this debt and hereby request full validation as permitted under federal and Michigan law. The companys listed mailing address is : Caine & Weiner XXXXompany , Inc. XXXX. XXXX XXXX XXXX XXXX, CA XXXX Physical office ( for reference ) : Caine & Weiner Company , Inc. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX . This company did not properly notify me of this debt nor give an opportunity to dispute. I am requesting validation of this debt and proof of method of validation. I'm also requesting the purchase agreement for the debt billed. I'm also requesting that this company furnish proof that they are licensed and bonded in the state of Michigan. Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ) ( b ), a debt collector is required to send me a written validation notice within five ( 5 ) days of their initial communication. I dispute receiving such a notice. Therefore, I request that the collector furnish documented proof that this notice was properly mailed to my address of record. Absent such proof, any continued collection activity would constitute a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: VA

Complaint narrative:
I am writing to express my continued concern regarding the unresolved disputed accounts on my credit report. I have raised these inaccuracies multiple times and have repeatedly requested a thorough investigation, yet no resolution or corrective action has been taken. These erroneous accounts are significantly harming my credit profile and creating serious obstacles in my day-to-day life. The ongoing impact has caused considerable hardship, and I am now urgently requesting your assistance to address this matter. Please conduct a comprehensive investigation into each of the disputed accounts and take all necessary steps to correct and update my credit report without further delay. Restoring the accuracy of my credit file is critical to regaining control of my financial well-being. I respectfully urge you to prioritize this issue and take swift action. Your prompt cooperation and support would be deeply appreciated. Thank you for your attention to 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 2025-09-02 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: MD

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding several inaccurate and unfairly reported items on my credit report. These accounts and inquiries are being reported with late payments or incorrect information, which I strongly dispute. The inaccuracies have negatively impacted my credit profile, financial opportunities, and overall creditworthiness. 

The accounts in question are as follows : XXXX XXXX  XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$530000.00} Reported Late Payment XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Reported Late Payment XXXX XXXX  XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Reported Late Payment XXXX  Account # XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} Reported Late Payment XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported Late Payment XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported Late Payment XXXX XXXX Account # XXXX * * * XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} Reported Late Payment Additionally, the following hard inquiries appear on my credit report, which I did not authorize or are inaccurate : XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX My Request : I respectfully request that the CFPB investigate these accounts and inquiries under the Fair Credit Reporting Act ( FCRA ). I believe these reports contain inaccurate or unverifiable information. I request that the credit reporting agencies and the furnishers of this information provide verification or promptly remove/correct the disputed 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 non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
My online banking profile has been locked. Bank of America will not provide a reason. I have significant interference in my vendor relationships at the moment as a result of a piece of litigation that went sideways while i was working as an XXXX  in XXXX. Many of my vendors -- XXXX / XXXX XXXX XXXX / XXXX XXXX -- have made administrative modifications to my online control panels that limit functionality, send me in circles multifactor authentication, etc., making it impossible or impracitcal for me to continue in business. 

I have a separate complaint filed in XXXX relating to XXXX locking me out of my XXXX online banking. Same scam. Same malefactors. Different bank. 

Most of this is driven through the efforts of XXXX  organized crime. 

At Bank of America, i need to send a payment on a litigation that is pending in XXXX XXXX, Florida. Lo and behold, the account is administratively locked on payment day. There is no issue with my username or password. There is an administrative lock that I am " not authenticated. '' It is prohibiting me from sending MY MONEY to recipients, including in support of this lawsuit WHERE I AM ALREADY LITIGATING THE INTERFERENCE OF XXXX  ORGANIZED CRIME. 

I sat at the XXXX XXXX, TN branch of Bank of America on XX/XX/year> and provided a teller named XXXX multiple forms of identification including Drivers License, Passport and Global Entry. He provided a code to someone over the phone. I was there for an hour. They said everything was unlocked and cured. It was not. I then had to call in to Bank of America. I was on the phone for one hour and thirty minutes. I spoke to two separate representatives. Both took my information that i know to be correct. Bank of America is pretending that it does not have my accurate phone numbers. There are three. I provided all of them and i know that only 1 should be on the account. I provided it and the second representative pretended that the number was not on my account. 

They refused to unlock my online banking. I explained to the second representative that Bank of America was participating in criminal activity. She told me that i should go bank to the banking center in person and repeat today 's activities " to see if that will work. '' This is fraud. Bank of America has stolen my money in combination with XXXX XXXX forces operating out of XXXX. I'm happy to provide individual names if you like.

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 2025-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made repeated efforts by phone and email to obtain the bill of sale and an updated balance as required by law. Capital One has not complied and continues to report inaccurate information. 

XX/XX/year>, XX/XX/year>, XXXX, - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Central Portfolio Control Inc.
State: OK

Complaint narrative:
Repeated harassing text messages from Central Portfolio Inc. that have caused a lot of stress. 1 text message per month for the last recorded 6 months. May have used other numbers via phone call in order to collect alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you 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. 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 2025-09-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you 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. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
This lease has been paid off for over 3 years. I have made several phone calls to Ally Financial and I get transferred 5-7 times and then ending up at the department I called originally. This was a repossession that I was able to get back by paying off the car in full. I have been assured every time I call that the title will arrive in 7-10 business days. An associate even said she would over night the title to me. Lies. This last time I called I asked for a supervisor and was transferred to an extension that was closed and had no voicemail. The vehicle had been traded in over a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: FL

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: TN

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report. The entry in question is currently being reported as a loan, but this information is incorrect. The debt is actually a child support obligation, not a loan. 

Details of the disputed item : Creditor/Reporter Name : [ Name listed on report ] Account Number / Reference : [ Account number or reference number ] Date of reporting : [ Date reported ] Inaccuracy : Reported as a loan instead of child support Hard inquiries deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: TN

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report. The entry in question is currently being reported as a loan, but this information is incorrect. The debt is actually a child support obligation, not a loan. 

Details of the disputed item : Creditor/Reporter Name : [ Name listed on report ] Account Number / Reference : [ Account number or reference number ] Date of reporting : [ Date reported ] Inaccuracy : Reported as a loan instead of child support Hard inquiries deleted

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 2025-09-02 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: FL

Complaint narrative:
I request pursuing to the FCRA 605B ( U.S.C. 1681c-2 ), that the Experian credit reporting agencys block all of the accounts collections and hard inquiries identified in the CFPB complaint from my consumer credit files within XXXX business days of receiving this complaint. 
I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address

Company response to consumer: Closed with non-monetary relief