vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I iniated an ACH trnasfer from my Bank of American checkig account to XXXXXXXX XXXX XXXX XXXX The amount is {$1300.00} and it shows as complete by Bank of America but the recepient from XXXXXXXX XXXX XXXX XXXXXXXX never received the money, it's been more than 10 days. 
The recepient was asking for the Trace Id number so they they can trace the transaction, I called Bank of America

multiple times and 3 times they gave me 3 different trace id ( aka tracking numbers ) for this transaction. It looks like no one can help and banks can not communicate with each other and this is really frustrating. I am just wasting time with BOFA right now, becuase waiting on hold every day for hours and they are giving random numbers as trace id. Also to mention that before that hapenned I sent money to the same person multiple times and everything was fine and the recepient information was saved in my BOFA account, so I didnt type any new 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 monetary relief
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX XXXXXXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my abaity to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account 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 2025-07-09 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$5600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00}

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 2025-07-09 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: IL

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I sent an email as requested to the aency to dispute the debt. They did not respond. On XXXX, the agency reported it to the credit bureaus anyway, violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I spoke to Experian MULTIPLE times since my last complaint to get the issue resolved. They keep saying they will submit a form to the SPECIALIZED TEAM and have them reduce my file. Evidently my file is too large for them to even access. However, I have been given 3 different case numbers XXXX, XXXX and XXXX. I'm told every time to follow up in 3-5 business days. I just spoke to them again for the XXXX time in 6 months and AGAIN he said nothing has been done. He said they are " still working on it ''. These case # 's were give over 2 weeks ago, last week and again on Monday. I need this looked into deeper than them just saying " we are working on it. '' That's what they told your company over a week ago. Can someone please please please file something on this company and get this lock removed so I can access to my credit report. I don't have any issues with any other credit bureaus except EXPERIAN! Please help!

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 2025-07-09 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: NM

Complaint narrative:
I have been waiting over a year for a refund of {$1200.00} from MOHELA. They finally processed the refund on XX/XX/year>, but as of XX/XX/year>, I have not received the funds. 

I contacted MOHELA on XX/XX/XXXX and again on XX/XX/XXXX, requesting XXXX specific pieces of information to help track the refund : Which bank account the refund was sent to ( last XXXX digits ) Whether it was issued by direct deposit or paper check The ACH trace number ( if sent via direct deposit ) Despite multiple requests, MOHELA has failed to provide any of this information. Their responses have been generic and unhelpful, simply stating that the refund was processed and the U.S. Treasury is responsible for disbursement. 

I can not verify or recover the refund without knowing the delivery method or trace number. This has now dragged on for over a year with no resolution, and MOHELA has provided no accountability or transparency.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-09 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-09 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: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
I am filing this complaint because XXXX XXXX XXXX is reporting XXXX conflicting accounts on my credit report for the same auto loan, and I am requesting removal of the negative account. 

Here are the details : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Status : Paid, Closed/Never late Original balance : {$6400.00} Status updated : XX/XX/XXXX On record until : XX/XX/XXXX Negative account : Account number : XXXX Date opened : XX/XX/XXXX Status : Account charged off. {$5600.00} written off. {$13000.00} past due as of XX/XX/XXXX Original balance : {$6400.00} Status updated : XX/XX/XXXX Balance updated : XX/XX/XXXX On record until : XX/XX/XXXX Charge Off as of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX ; Repossession as of XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX ; 30 days past due as of XX/XX/XXXX These XXXX accounts are for the same auto loan purchased in XXXX. I only had the vehicle for a short time before it was voluntarily surrendered because it was a lemon with constant mechanical issues. I stopped paying on it because it was returned. It was a financial burden as it was not running, I was not using it and I called them to come pick it up. They sold me a useless product. 

It makes no sense to have XXXX account showing as Paid, Closed/Never late and another showing as charged off with a balance of {$13000.00} which is more than double the original amount of {$6400.00}. Their dates are all over the place and do not add up. For example, the negative account shows a repossession in XX/XX/XXXX, but I recall it being even sooner than that. It also shows a balance updated in XX/XX/XXXX, and a status update from XX/XX/XXXX. The reporting is inconsistent and confusing.

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 2025-07-09 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I requested a credit line increase on XXXX and they gave me an increase on the following cards : XXXX XXXX CareCredit XXXX 's PayPal Credit PayPal Credit Card Sam 's Club XXXX XXXX Synchrony bank closed all the following accounts : XXXX XXXX XXXX XXXX CareCredit XXXX 's PayPal Credit PayPal Credit Card Sam 's Club All accounts have a a low usage and have never missed a payment on them since they have been opened. I spoke to two agents in which they both stated that the reason that the accounts were closed was because I was a high risk closure. I have over a XXXX XXXX XXXX with no negative reports and usage at less than 3 %. I have opened one credit card opened in the past year. 

How my accounts change from being normal on XXXX and then on XXXX they became high risk then I was not even able to use the new higher limit. This practice of closing accounts on trust worthy customers because they do what they are suppose to do which is pay their bills on time and or most of the time pay off the revolving balance should be illegal as there has not been any fault done on the consumer side. I say illegal as acts like this cause financial impact as credit usage can go up, drop in credit score which can lead to higher interest rates, close of other accounts and or denial of credit.

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 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I requested a debt validation on XX/XX/year>, Midland did not respond for over 30 days. 
during the time period, they reported a new late payment to XXXX  for the month of XXXX. I finally received a response from XXXX XX/XX/XXXX ; however it lacked required documents, and they only provided, statements from charges made with the credit card. 
Originally. my wallet was lost ; I called and reported my cards to the credit card companies. I was informed from the original debt collector, XXXX XXXX XXXX, if i wanted to close my card and which I stated yes. They continue to charge me, for past due balance, even after I disputed the charges that weren't made by me. Now Midland is requesting that I provide them with a police report, for something that was already confirmed through the original debt collector. They failed to respond within the legal time frame to verify this debt and provide me with the original contract, and that violates my rights under the FDCPA law as well as falling to provide the right documentation and still reported missed payments to XXXX  during the 30 days they were supposed to be verifying the debt. I want them to remove this from credit immediately, before legal actions are taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: VA

Complaint narrative:
I am filing this complaint against TransUnion for failing to correct or investigate clearly disputed, inaccurate, and retaliatory credit information related to my XXXX XXXX private student loan account. 

Despite multiple disputes and documented evidence submitted to TransUnion, they : Refused to correct the account status of XXXX XXXX XXXX that were charged prematurely while I was still enrolled full-time in school from XX/XX/XXXX to XX/XX/XXXX. 

Allowed XXXX XXXX to raise my loan balance by over {$2000.00} after my dispute was submitted, with no explanation or validation. 

Permitted XXXX XXXX to lower my TransUnion credit score by XXXX points, even while an active federal complaint and state investigation are underway through the CFPB and the XXXX  Attorney Generals Office. 

Ignored clear signs of retaliation and consumer harm, violating their responsibilities under the Fair Credit Reporting Act ( FCRA ) and enabling unfair, deceptive, or abusive acts or practices ( UDAAP ). 

This inaction by TransUnion has materially impacted my ability to secure transportation for work, attend medical appointments, and pursue financial stability.

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 2025-07-09 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: SC

Complaint narrative:
XXXX XXXXXXXX XXXX  Charge-off + resold Appears sold to XXXX, may still be reporting a balance. 

XXXX XXXX 30-day late marks in XXXX  No supporting evidence or dispute history noted. 


XXXX XXXX Bank XXXX marks and charge-off ( Experian ) If multiple accounts were charged off and resold without XXXX  balance, this could be misleading.

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