vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
On Friday, XX/XX/year> around XXXX I went to a branch of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and made a domestic wire transfer from my personal checking account in the amount of {$6300.00} plus {$20.00} wiring fee, I have proof the money left my account on XX/XX/XXXX. The money was wired to a business account with Bank of America, and it was to be used to pay for customs duties, fees, and taxes of cargo that has been stuck at the port because the money did not arrive at the destination until now. Both me and the money recipient had not experienced this problem in previous wire transfers. I was told the money would be available at the destination no later than Monday, XXXX the XXXX. 

I have double checked with the recipient that the information provided for the transfer is correct. I have been checking with the recipient daily to see if the money has arrived, but it has not. 

I was provided by XXXX with an XXXX number for the transfer ( XXXX ), but neither XXXX, not Bank of America can track the status of the transfer. I have been to XXXX and called their customer support several times attempting to get information, but they can not track the transfer. The recipient has called Bank of America and they can not track it either. 

I will be charged by port authorities for the storage of the cargo that can't be released and I may have to pay a fine. 

Please, assist. 
Thank 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 2025-08-14 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Im a XXXX XXXX XXXX man on XX/XX/year> I was scammed and fraudulent charges were issued to my credit card. I contacted the company on the same day XX/XX/XXXX. Told him I was scammed had fraudulent charges and I did not want them to go through. Citibank told me to wait until the charges appear and then file a dispute. I filed a dispute they said it was gift card charge, and the dispute should never have been filed to begin with. They checked into it and told me I was responsible for the charges the same scammer Got me on another bank XXXX XXXX  when I contacted XXXXXXXX XXXX they canceled my card put a hold on it and I did not get charged any of the chargers that were on the XXXX XXXX card because they stopped it immediately. Why didnt Citibank do the same thing when I told them they were fraudulent

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 2025-08-14 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-14 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On or around XXXX of XXXX I purchased a low cost printer, a toner cartridge for the printer and a XXXX XXXX  at Best Buy in XXXX Georgia. The cost was approximately {$350.00}. I planned to put the purchase on my XXXX card and pay it off within 3 months. The store clerk talked me into a Best Buy account stating it was 0 % financing for 6 months. I agreed believing I would save a few dollars. When I received the XXXX bill from Best Buy Visa there was an additional {$50.00} charge. I contacted them was told it was a membership fee. I requested for it to be removed because I had not agreed to a membership. I was told I could not cancel it nor be removed as a member. I had to pay the additional {$50.00}. I paid the bill off. Never thought about it after that. I have never bought another thing from Best Buy. Around XX/XX/XXXX I get an email from Best Buy I owed them money. At the time it stated I owed {$63.00}. When I was able to talk with someone I was told it was an annual membership fee. I explained I did not have their credit card and have not made a single purchase from Best Buy. Was told they only took payments. Transferred the call and no one answered. I get another bill stating I owed them {$93.00}. I talked to someone again. Explained that I had attempted to cancel a membership I never knew about and that I had never made another purchase at Best Buy. I was told They would cancel that bill. They did not. The most recent bill sent to me states I owe {$130.00} due in XXXX. NOT ONLY THAT BUT THEY TURNED THIS INTO A CREDIT REPORT AND DROPPED MY ( FICO ) SCORE XXXX POINTS. My score was excellent at over XXXX points. I have not purchased anything with this Best Buy Visa account and never received a credit card from them. My credit report needs amended and the fees cancelled. This company is billing for nothing owed to them

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 2025-08-14 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: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-08-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXXXXXX

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 2025-08-14 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: NC

Complaint narrative:
I am a victim of identity theft, I checked my credit reports today and there are several accounts on my 3 credit reports that i dnt recognize or acknowledge. Ive never gave anyone permission or authorization to open then accounts without my consent

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 2025-08-14 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: NC

Complaint narrative:
I am a victim of identity theft, I checked my credit reports today and there are several accounts on my 3 credit reports that i dnt recognize or acknowledge. Ive never gave anyone permission or authorization to open then accounts without my consent

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 2025-08-14 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: GA

Complaint narrative:
b'The following inquiries are not authorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am unable to get access to my Experian account due to having a new phone number from what they have on file. There's no way to log in to change the phone number. They don't send confirmation codes via email, just text or call.

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 2025-08-14 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Personal Loan account opened at XXXX XXXX XXXXXX/XX/XXXX account number XXXXXXXX XXXX XXXX account is shown in collection on TransUnion only Personal Loan account opened at XXXX XXXX XXXXXX/XX/XXXX account number XXXXXXXX XXXX XXXX account is showing late payment history on TransUnion only Personal Loan account opened at XXXX XXXX XXXXXX/XX/XXXX account number XXXXXXXX XXXX XXXX  account is showing late payment history on TransUnion only collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX account shown on collection TransUnion and XXXX only collection account opened at XXXXXXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is shown on collection TransUnion only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX  account is shown on collection XXXX only also showing late payment history XXXX  only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX account is shown on collection XXXX only also showing late payment history XXXX only collection account opened at XXXX on XX/XX/XXXX account number XXXX XXXX XXXX account is shown on collection TransUnion and XXXX only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account is showing late payment history on XXXX only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX * * account is shown in collection XXXX only also showing late payment history on XXXX only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX account is shown in collection XXXX only also showing late payment history on XXXX  only which is being inconsistently reported among the national credit bureaus.

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 2025-08-14 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Personal Loan account opened at XXXX XXXX XXXXXX/XX/XXXX account number XXXXXXXX XXXX XXXX account is shown in collection on TransUnion only Personal Loan account opened at XXXX XXXX XXXXXX/XX/XXXX account number XXXXXXXX XXXX XXXX account is showing late payment history on TransUnion only Personal Loan account opened at XXXX XXXX XXXXXX/XX/XXXX account number XXXXXXXX XXXX XXXX  account is showing late payment history on TransUnion only collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX account shown on collection TransUnion and XXXX only collection account opened at XXXXXXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is shown on collection TransUnion only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX  account is shown on collection XXXX only also showing late payment history XXXX  only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX account is shown on collection XXXX only also showing late payment history XXXX only collection account opened at XXXX on XX/XX/XXXX account number XXXX XXXX XXXX account is shown on collection TransUnion and XXXX only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account is showing late payment history on XXXX only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX * * account is shown in collection XXXX only also showing late payment history on XXXX only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX account is shown in collection XXXX only also showing late payment history on XXXX  only which is being inconsistently reported among the national credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. U. S. C. 
XXXX ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XXXX XXXX XXXX XXXX  Date : XXXX CPS Date : XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX  Date : XXXX COAF Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX CO Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX CO Date : XXXX ACCOUNTS : UNAUTHORIZED MEDICAL BILL- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} BANK OF XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Under XXXX USC XXXX Permitted Purpose of Consumer Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: WI

Complaint narrative:
What happened : I had a pet insurance policy with XXXX  XXXX XXXX that included a XXXX XXXX  benefit. I paid my monthly premiums in full, never missed a payment, and only used the benefits as permitted under the plan. 

After several months, I decided to cancel my plan. I called XXXX XXXX XXXX to cancel, and during that call, I was explicitly told that my account was closed in good standing and that I owed nothing. I did not use the plan for a couple of months before canceling. At no time was I told there was any remaining balance on my account. 

Months later, XXXX  contacted me claiming I now owe {$480.00} for XXXX XXXX and threatened to send my account to XXXX XXXX XXXX XXXX XXXX ( a debt collector ) if I did not pay within a short period. This is the first time I have been told of any such balance, and it directly contradicts what I was told at cancellation. 

I believe this is an attempt to collect a debt that does not exist and that XXXX  failed to properly disclose any balance before or at the time of cancellation. This has caused me distress and put me at risk of having false negative information sent to credit reporting agencies. 



Company name : XXXX  XXXX XXXX What I want : XXXX. Written confirmation from XXXX  XXXX XXXX that my account has a {$0.00} balance. 
XXXX. Written assurance that no information will be sent to any debt collection agency or credit bureau regarding this alleged debt. 
XXXX. Cessation of all collection activity related to this false claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation