vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I sent a cease and desist letter to the company on XX/XX/year> requesting the following or removal of debt from my credit report : The original contract of alleged debt The name of the original creditor The breakdown amount of the alleged debt including interest and fees A complete account history Documentation proving your legal authority to collect on this account in the state of Florida No response was received form the letter sent out on XX/XX/year>XXXX  On XX/XX/year>XXXX  I initiated a complaint with CFPB and also no response has been received but an update was made to my credit report on XX/XX/year>. 

There are currently two companies reporting the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I am submitting the complaint regarding the way this collection agency is reporting an alleged debt on my consumer credit report. 
This account is being reported without proper verification and contains inaccurate and/or unsubstantiated information. I previously disputed this account and requested validation, yet the collection agency continues to report the account without providing documentation showing that the debt is accurate, that they have legal authority to collect, or that the information is complete and correct. 

The collection agency has failed to properly validate the alleged debt The account is being reported inaccurately and/or without sufficient evidence The reporting violates the FCRA and/or the FDCPA The agency continues to furnish information that is incomplete, misleading or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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 have no dealings with these accounts ; they require removal within 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: MO

Complaint narrative:
This debt is from a XXXX XXXX from easily 6 years ago. The bill was dropped to XXXX something dollars by the medical institute. This was a new bill taking off XXXX something, because they realized me paying that for XXXX  was outrageous. That XXXX something was paid for. A LONG time ago. Now, year after year for some reason, they are trying to collect from me now MORE THAN WE AGREED TO WHEN I HAVE ALREADY PAID THEM. I am sick of disputing it and it keeps coming back to impact me when everything down to the dollar amount is just flat wrong. I owe them nothing. I feel they have been trying to get money out of me illegally for the past 6 years. I'm sick of it. It was paid. Leave me alone.

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 2025-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have always paid my property tax on my own. It has never been escrowed into my monthly mortgage payments that are on auto pay. This month I noticed that the mortgage servicing company took out almost {$13000.00} out of my bank account because they decided arbitrarily on their own, without my authorization to pay my property tax on my behalf. The issue is that I have already paid my property tax and it has now doubled up. I was on the phone with them for over one hour trying to figure out who authorized this in the company and why this was done. I was constantly transferred from person to person and lied to, and when I finally asked to see any kind of proof or documentation that shows that I, personally asked for them to escrow my property tax, they were unable to provide it. They made all sorts of excuses and said that I have to call the tax controller and get refunded the duplicate payment. They also said that they would refuse to not escrow my property tax. This has increased my monthly payment in a very drastic way. The tax controller is saying that the mortgage servicing company is the company that made the duplicate payment, not me. They will not send me the payment and the mortgage company refuses to help even though they made this egregious error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-12-18 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:
Dear Sir/Madam, I am writing to dispute the inaccurate reporting of the following charged-off account ( s ) on my credit report. Below, I have outlined the details for each bureau. 

Charge Off Accounts : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} This account has been inaccurately reported as a charged-off account. It should not reflect any outstanding balance, as it was settled/paid in full. I request that this account be updated or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My homeowners insurance is escrowed and the servicer did not pay so the policy was cancelled. This is not acceptable and puts people at great risk.

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 2025-12-18 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-12-18 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: VA

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 2025-12-18 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:
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 2025-12-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am filing this complaint regarding my experience with Bank of America when trying to close my bank account and transfer my savings to my current account in the XXXX XXXX. I have lived in the XXXX for over six years. I've sent two formal written requests to Bank of America ( in XX/XX/2025 and XX/XX/2025 ) asking the bank to wire my remaining balance to my XXXX current account and close the BoA account. 
While the bank has responded, the options they have provided are not practical for my situation : 1. Online Banking : Bank of America suggested using the online portal for the transfer. Although I can log in, the system requires a U.S.-based mobile number or U.S. address for security verification to complete a transfer. As a long-term XXXX resident , I no longer have U.S. credentials , which prevents me from using their online banking system and transfering the funds myself. 
2. International cheque : The bank offered to issue a physical cheque. However, most high street banks in the XXXX have moved away from accepting international cheques. Those that still do often require a clearing period of several months, and they charge high processing fees. This is not a viable way for me to receive my funds in a timely or reliable manner. I'm also concerned about this cheque being lost in the post. 
3. Internal Transfer : Bank of America also suggested moving my savings to another account within their bank, but I do not hold any other accounts with Bank of America. 

I am simply looking for a way to close my account and access my savings via a standard international wire transfer. I have already provided my XXXX banking details to Bank of America in writing twice. I would appreciate the Consumer Financial Protection Bureau 's assistance in requesting that Bank of America facilitate this transfer so that I may finally close the account and retrieve my own funds. 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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of multiple late payments on a single account being reported by TransUnion. Several payments are incorrectly marked as late even though they were made on time. This false reporting is damaging my credit score and does not reflect my actual payment history.

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 2025-12-18 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: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-12-18 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: LA

Complaint narrative:
XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX  and Equifax inaction violates federal law and my rights as a consumer.

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 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Description of complaint : XX/XX/XXXX my XXXX XXXX XXXX suddenly stopped moving while coming off a major highway! I had it towed to Toyota who and was told that my transmission was dead after only XXXX miles! Total to replace the car was originally priced at {$9200.00}. After much research I found that XXXX & XXXX models had a known transmission defect due to the XXXX speed transmission system Toyota rolled out! I went back and forth with Toyota for over a month, but the offered to pay half off the parts and thats it, claiming its because its out of warranty. Ive have members within their company tell me that the transmission issue is a known problem with Toyota but they refuse to roll it out a recall. In the end I paid over {$5000.00} to get my transmission replaced and a vehicle I should not had these kind of issues with this early ( XXXX yrs/ bought brand new ). Im requesting a refund of half or all of my money back! Or else I will continue to take this farther.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Reported : XX/XX/2025 Balance : {$280.00} Date Opened : XX/XX/2025 Description : Debt buyer account I believe this account is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I think is incorrect or incomplete. I am requesting the immediate removal of this entry from my credit report until this matter can be resolved, as the FCRA mandates that credit reporting agencies ensure the accuracy of the information they report.

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, and 15 USC 1681i ( 5 ).

I request the immediate deletion of the disputed items listed per 15 USC 1681i ( 5 )

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 2025-12-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report shows multiple inquiries that I do not recognize and did not authorize. I did not apply with these companies, nor did I give permission for them to access my credit file. I have already submitted an identity theft report regarding this issue, yet these inquiries remain on my credit report. The continued violation of my consumer rights has added unnecessary stress to an already difficult situation.

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 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
EARLIER 2025 BANK OF AMERICA CHOSE TO END 25 YEAR RELATIONSHIP THEY AGGRESSIVLEY PURSUE ME BY USE OF TELEMARKETING CALLS I CAN NOT DELETE.I HAD TO OPEN NEW ACCOUNT WITH LOCAL BANKXXXX XXXX ALSO CHARGES 29 % APR .I CLOSED AS MANY OTHER ACCOUNTS AS I CAN.I HAVE NOT RECEIVED DEBT COLLECTION IN MY US POST OFFICE BOX I PAY FOR AND CHECK DAILY.IF YOU CFPB CAN ASSIST MYSELF IN STOPPING DEBT COLLECTORS/TELEMARKETERS.WHEN I PAY FOR ITEMS AT LOCAL STORES THEY REQUIRE MY XXXX CELL PHONE NUMBER.I GET CALLS WHILE RIDING MY BICYCLE RAIN COLD.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2025-12-18 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:
Would you mind going through this entry? It seems late.

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