vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
A debt collector is pursuing me for alleged property damages without proper verification. The invoices are inflated and unsupported, no walkthrough or photos were provided, and the lease explicitly waived the move-in fee that would cover cleaning and repairs. The collection attempt is inconsistent with my lease terms and appears invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnaccurate.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate. 
I believe that my consumer rights have been violated and that the financial institution involved has not properly addressed the matter despite my efforts to resolve it.

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 2025-09-24 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally address a serious matter of identity theft. I have recently discovered that my name and business information were fraudulently placed on the XXXX XXXX list. This is causing significant harm to me, as it has prevented me from securing payment processing services.

I have been informed that XXXX XXXX is the acquiring bank responsible for this listing. However, I have never held a business or merchant account with your institution. My only recent interaction with your company was a credit card application I submitted in XXXX, which I received through a pre-qualified mail offer sent to my home address. This situation is particularly concerning as my family has a long-standing relationship with your institution ; my mother is a loyal customer of your bank. The placement of my name on this list is severely impacting my ability to conduct business and is damaging my professional reputation. I have obtained a police report for identity theft to clear my business name. I am prepared to provide a copy of this official police report upon your request, which confirms that a third party used my personal and business information without my consent. As someone with a speech impairment and ADHD, I rely on clear and direct communication to manage my personal and business affairs. Navigating this complex issue has been especially challenging for me, and I am hopeful that your team will work with me to resolve this with urgency.

I kindly request that you review this matter immediately and provide me with the specific reason code for this listing. As I have not been a merchant with you and have documented evidence of identity theft, I believe my information should be removed from the XXXX  list as a matter of urgency.

Thank you for your prompt attention to this critical issue. I look forward to your response and a swift resolution. 

Sincerely, 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 2025-09-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has not sent me any information on my savings account so I can have access to my funds and I have money XXXX on hold in my direct deposit account XXXX XXXX release my funds so I can have access to them. Those funds XXXX on hold over XXXX years in my account the funds are still there. My account number last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the funds are on hold in that account has a XXXX balance. I'm in court with bank of America hasn't done me any good so far. Thr judge has taking some funds out of my direct deposit account the funds that's on hold and put some of those funds into a savings account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number. This courthouse is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX contact number XXXX I need help to access my funds the bank needs to release my funds. My case number at XXXX XXXX XXXX XXXX XXXX XXXX V XXXX XXXX XXXX XXXX XXXX judge XXXX XXXX XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX this is the branch I took to court

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 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I purchased a vehicle with a loan from Bank of America starting from XX/XX/XXXX. It had been going fine for almost 3 years ( the length of the loan ) with auto pay setup for most of the duration. Then this year for the last payment ( due XX/XX/XXXX ), the autopay was canceled by BoA, without any notice to the best of my knowledge ( I searched my emails and find no such communication ). Coincidentally I was out of the country from XX/XX/XXXX, only returning on XX/XX/XXXX. I am not sure if phone call or messages were attempted while I was away as I didnt have international roaming. After I was back there was a certified mail sent to me from BoA that got delayed multiple times, initially I thought it was BoA releasing my vehicle title but it was actually a collection of debt. That was the first time I realized the payment was late. I paid off the rest of the balance soon after that. Throughout the months I have plenty of funds in my linked checking account to cover this payment.

I have called BoA to dispute this, providing the background as I mentioned above. I was told the last payment needs to be manual since its a different amount than the monthly autopay amount. Again I dont think I have received notice around this. I got a letter from BoA today saying they reviewed and confirmed the account was indeed delinquent at a time. While thats technically true, I dont feel BoA has made enough effort in communication around the cancellation of autopay, as well as taking into consideration the special circumstances in this situation.

I had vehicle loan with other lenders before and I dont recall this hassle around the last payment. Its also ridiculous to get penalized ( my credit score dropped by about XXXX XXXX  after a late payment was reported ) for something initiated by the bank itself and I wasn't adequately informed on.

My account with BoA does not show this loan anymore, so I cant retrieve any autopay setup info, but it should exist in BoA system.

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 2025-09-24 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: CA

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : 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 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 XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account.

A description of the procedures used to verify the accuracy and completeness of the disputed account.

All documentation you have on file retrieved during your investigation.

Who did you interview regarding the aforementioned account?

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ;

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 2025-09-24 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: CA

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : 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 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 XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account.

A description of the procedures used to verify the accuracy and completeness of the disputed account.

All documentation you have on file retrieved during your investigation.

Who did you interview regarding the aforementioned account?

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 
XXXX. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
I called several times request a deferral and payment arrangement no one can tell me why I can't have one. They have take possession over my vehicle 4 times in one year. Very abusive practices. I'm a XXXX XXXX with no help and I keep telling them why I needed the assitance they have refused the Help a woman by the name of XXXX is the one who keeps lying and refuse to put my arrangements into the system. She blatantly told me she will not put it into the system as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
I the amount their asking for I paid that, its saying I owe that. Can I get some proof that I owe that amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: MI

Complaint narrative:
I am writing to formally dispute a charge-off reported by XXXX XXXX XXXXXXXX ( Account # XXXX ) on my credit file. The account shows a high balance of {$19000.00} with an open date of XX/XX/year>. I believe this account has been reported inaccurately and/or without proper validation, which has caused undue harm to my credit standing.

Despite my previous attempts to resolve this directly with the creditor, the inaccurate information remains on my credit report. I request that CFPB intervene to ensure that : XXXX XXXX XXXX conducts a thorough investigation into the validity of this account.

Any inaccuracies, including the charge-off status, be corrected or removed from my credit report immediately.

I receive written confirmation of the results of this investigation.

This reporting error has caused me financial harm, including [ optional : difficulty obtaining credit, higher interest rates, and unnecessary stress ]. I urge CFPB to take prompt action to enforce accurate credit reporting and protect my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
My credit reports contains unauthorized hard inquiries and an unverified collection account. I have disputed these items directly with TransUnion and requested verification under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 604, 609, 611 ).

Details Unauthorized Hard Inquiries My report lists multiple hard inquiries from institutions such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I did not authorize these inquiries.

Under FCRA 604, a credit bureau may only report an inquiry if there is permissible purpose based on my consent or a legally valid credit application.

No signed agreements or records of authorization have been provided.

Unverified Collection Account My report includes a collection account from XXXX XXXX, XXXX. 

TransUnion has not provided a signed contract, bill of sale, or chain of assignment showing that XXXX has standing to report or collect. 

Under FCRA 609611, and principles of contract law ( Business Law : Text & Cases, Ch. 1820 ), the burden of proof lies with the furnisher/CRA to verify accuracy and ownership.

Without documentation, continued reporting is inaccurate and misleading.

Why This Violates the Law The FCRA requires consumer reporting agencies to ensure maximum possible accuracy and delete unverifiable information. By reporting inquiries and accounts without proof,
TransUnion,

Experian, and Equifax is in violation of federal law. This creates real harm by lowering my
credit score and impairing access to credit.

Resolution Requested Remove all unauthorized hard inquiries, including XXXX XXXX ( XX/XX/year> ). 

Delete the unverified XXXX XXXX, XXXX collection. 

Confirm in writing that these items have been permanently removed.

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 2025-09-24 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX is reporting a {$4100.00} account as placed for collection on my credit report. The account was closed on XX/XX/year>, and continues to be updated as derogatory with the remark account information disputed by consumer.

I have disputed this account multiple times. Despite my disputes, neither XXXX nor the credit reporting agencies have provided the legally required

Method of Verification under FCRA 611 ( a ) ( 7 ). They have not produced : The original signed service agreement, An itemized billing statement showing how the {$4100.00} was calculated, or Proof that proper notice was sent before placing the account into collections. Instead of providing verification, the bureaus and XXXX continue to update the tradeline with dispute remarks, which is misleading and does not resolve the dispute. If XXXX has sold this debt to a third-party, then the debt collector is also required under the FDCPA to validate the debt. No such validation has been provided.

This account remains unverified and its continued reporting is inaccurate and unlawful under the FCRA and FDCPA.

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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kehoe Financial Group, LLC
State: SC

Complaint narrative:
Just received letter from Kehoe Financial Group regarding alleged ticket from XXXX from 2022. 

I have no idea what this ticket or letter is about.

Company is Kehoe Financial Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation