vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
charge on my account not authorized from merchant. BOA insists fraud dispute be done via their mobile app so I did. Noticed charge and immediately submitted dispute. claim date XX/XX/year>. claim # XXXX amount of unauthorized charge is {$440.00}. they stated allow 10 days for credit to be issued for the charge, and now today is XX/XX/year>. Ive sent letters regarding this now 4 times. all fans were received. nobody has called. I only get an automated message In app, " thanks for submitting your information ''. that is all. this is unacceptable. I have had important bills since not go through due to this and BOA doesn't care. They are supposed to credit my account within 10 days and have not. that is wrong. I should not be penalized for this an I am.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions XXXX continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-11-17 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-17 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: VA

Complaint narrative:
I am writing to formally dispute the following items on my credit reports provided by the XXXX major credit bureaus : Equifax ( XXXX ), Experian ( XXXX ), and TransUnion ( XXXX ). These items are listed as charged-off accounts and inquiries that I believe are inaccurate, incomplete, or incorrectly reported. 

Charged Off Accounts XXXX XXXX  Account Number : XXXX * * * *, Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX Account Number : XXXX * * * *, Opened : XX/XX/XXXX, Balance : {$220.00} XXXX XXXXcount Number : XXXX * * * *, Opened : XX/XX/XXXX, Balance : {$140.00} t Inquiries : XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  OF Date : XX/XX/XXXX XXXX XXXX XXXX H Date : XX/XX/XXXX XXXX XXXX XXXX  H Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX LLC Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  AUT Date : XX/XX/XXXX XXXX MOTOR Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXate : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/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 2025-11-17 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is my third and final dispute regarding XXXX account that continue to appear on my credit report with major errors. I already disputed these items on XX/XX/XXXX and XX/XX/year>, yet the problems remain. 

At this point, the inconsistent and conflicting information makes it clear that either XXXX can not properly verify the account details, or the credit bureau did not complete a reasonable reinvestigation as required under FCRA Section 611. 

I am requesting the immediate deletion of the following account due to multiple inaccuracies : XXXX Account # XXXX * * Major Errors : * * Date of Last Activity : XXXX different dates are being reported across bureaus. 

Balance : Different balances are being reported. 

Account XXXX : XXXX bureau shows the account as open while others show it closed. 

XXXX Date : Only XXXX bureau shows a verification date ; others list none. 

These contradictions make the account impossible to verify and therefore inaccurate under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
In XXXX of 2024, my federal student loans were transferred from Mohela to XXXX. Prior to the transfer, I was paying monthly payments via XXXX debit transactions from my checking account to Mohela. After the transfer, a different amount was being drafted via XXXX debit. The line item description on my Chase account reads " DEPT EDUCATION XXXX XXXX PPD ID : XXXX ''. The number given prior to the transfer was different than the number after the transfer. As of XX/XX/year>, none of my payments were applied to my outstanding loan balance at XXXX. I filed a complaint with the Department of Education. They assigned it to XXXX and they closed the complaint because they had no record of the payments and suggested that I contact the XXXX Treasury. Mohela, when I contacted them, said they have no information on my loans because they no longer process them. I have paid over {$3.00}, XXXX with no record of it on my account. I have since closed my checking account and opened a new one, but the transactions are still hitting the old account ( as of today ). I believe Mohela is collecting the money and has assigned it to an account not associated with me.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-17 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: PA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: WV

Complaint narrative:
Set Debt Validation Letter on XXXX XX/XX/year> In an attempt to verify the account and that I owe it

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: MN

Complaint narrative:
several attempts were made in writing, and over the phone to have XXXX XXXX removed as a cosigner, both XXXX owner and XXXX XXXX requested for this action to be taken, management at XXXX agreed to such action however they did not follow through. 

phone requests were made prior to XX/XX/year> attached images show requests made around XX/XX/year> XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX Fraud Department XXXX : XXXX XXXX : XXXX XXXX : XXXX Dear Sir or Madam : I am writing to issue a formal dispute regarding an account that was fraudulently opened under my name and Social Security number. I did not open this account, authorize its creation, or grant permission for anyone to use my personal information for this purpose. XXXX : XXXX XXXX : XXXX XXXX : XXXX I have previously submitted multiple requests for documentation related to this account, specifically : A copy of the application purportedly bearing my signature Verification of the identification used to open the account ( Drivers License or other ID ) To date, I have not received any of the requested documents or any substantive response from your office. This lack of information is unacceptable, particularly given the serious nature of identity theft and its impact on my credit and financial standing. This unauthorized account has been improperly reported on my credit file. I am demanding that XXXX XXXX XXXX XXXX XXXXmmediately remove this fraudulent account from all credit bureau reports and cease any further reporting or collection activity associated with it. Additionally, please provide : Written confirmation that you have received and are investigating this dispute ; A copy of all findings upon completion of your investigation ; and Written notification to all credit reporting agencies confirming the removal of this account from my credit file. Please treat this matter with the urgency it requires. Failure to respond or correct this error may result in further action to enforce my rights under the Fair Credit Reporting Act ( FCRA ) and all applicable consumer protection laws. Thank you for your prompt attention. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC
State: CA

Complaint narrative:
Global Lending Services repossessed my vehicle and violated required California and federal laws.


They did not provide : Notice of Intent to Sell Post-sale notice Itemization of sale proceeds Notice of any deficiency Option to retrieve personal belongings I was never notified of the sale or given any opportunity to recover my property. I only found out by calling them. This violates : California Civil Code 2983.2 California Civil Code 2983.3 ( b ) UCC 9-611 & 9-614 FDCPA 1692e FCRA 1681s-2 ( a ) FCRA 1681s-2 ( b ) They are reporting an illegal, unvalidated deficiency balance, which can not be reported under the FCRA because the repossession was not conducted lawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
This is not my accounts please remove this is identity theft fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
This is not my accounts please remove this is identity theft 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 2025-11-17 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: TX

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported multiple hard inquiries on my credit file that I did not initiate, authorize, or consent to. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the reporting of inquiries not initiated by the consumer unless there is lawful permissible purpose, prior written authorization, or a firm offer of credit.

I have never provided consent for these inquiries, nor have I authorized any third party to access my credit information. The continued reporting of these unauthorized inquirieswithout verifiable proof of permissible purpose, such as a copy of my signed authorizationconstitutes a clear violation of federal law. I respectfully request that this matter be corrected immediately.

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 2025-11-17 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this formal complaint because multiple accounts are being reported inaccurately and without proper verification on my consumer credit files. These accounts are severely harming my creditworthiness and causing unjust financial damage. I have attempted to resolve these issues with the credit bureaus, but the information remains improperly reported. 

Below are the accounts in dispute XXXX XXXX XXXX XXXX XXXX Account Ending XXXX Open Date : XX/XX/XXXX High Balance : {$230.00} Status Reported : Late Payment My Statement : This reporting is 100 % inaccurate. I have NEVER made a late payment on this account at any time. The payment history is being reported falsely, and this violates the FCRA requirement for maximum accuracy. I am requesting that the CFPB require the furnisher to provide complete documentation validating any alleged late payment or immediately correct this inaccurate reporting. 

XXXX. XXXX XXXX AccounXXXX XXXX  Date Assigned : XX/XX/XXXX Original Balance : {$10000.00} Status Reported : Collection My Statement : I have NO knowledge of this account whatsoever. I have never opened, authorized, or been notified about any such account with XXXX XXXX. Reporting a collection account without proper validation is a violation of the FCRA and FDCPA. I am demanding full documentation proving this debt belongs to me or immediate deletion from all credit reporting agencies. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX  Date Assigned : XX/XX/XXXX Original Balance : {$1700.00} Status Reported : Collection My Statement : I have NO knowledge of this account and have never received any bill, notice, service explanation, or debt validation connected to this provider. This collection entry appears to be erroneous or fraudulent. Under FCRA Section 609 and FDCPA regulations, unverifiable and inaccurate information must be removed. I request immediate investigation and deletion if validation can not be produced.

Requested Action by CFPB I request that the CFPB require the relevant credit bureaus and furnishers to : Provide complete, written validation for each disputed account.

Remove any account that can not be validated as required by federal law.

Correct all inaccurate payment history and reporting errors.

Ensure compliance with the FCRAs requirement for maximum possible accuracy.

These inaccurate and unverified accounts are causing severe and unfair harm to my credit profile, and I am requesting immediate intervention. 

Thank you for your assistance. I request written confirmation of the steps taken regarding this complaint.

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 2025-11-17 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: FL

Complaint narrative:
These accounts are not associated with my identity and require 15-day removal.

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 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally Financial is reporting that I owe {$12000.00} after my vehicle was repossessed and sold. However, my Equifax report shows that {$9000.00} was applied after the sale. 

The balance was never reduced, and they can not explain where the money went. Instead, they offered me a {$5600.00} settlement without addressing the payment already credited. 

I believe they are reporting an inaccurate balance and attempting to collect more than legally owed. 

I am requesting : A full accounting Correction of the balance Prevention of further collection on inaccurate data A correction to all credit bureaus or removal of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi, Im filing a complain about a fraudulent charge from XXXX XXXX XXXX purchase XXXX that is still unresolved. My statement is due tomorrow, and I will not be paying interest on a charge that is under dispute. Total charge as of XX/XX/year> is XXXX. My credit score now drops.

Ive been calling for months. This is now a regulatory issue. Please escalate this situation to the fraud department supervisor immediately.

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 2025-11-17 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:
I am a victim of identity theft, i have been trying to block certain accounts from my credit report, but the bureaus refuse to remove certain accounts. They said that the accounts are verified to be mine. orfcourse my name and social match, someone stole my information

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