vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, Subject : Dispute of Late Payment Report Dear [ Name of the appropriate department or person at the company ], I am writing to formally dispute an erroneous late payment reported on my credit report, which I believe is inaccurate and negatively impacting my credit score.

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : ( XXXX XXXXXXXX ) ACCOUNT NUMBER ( XXXX ) I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, I have the right to dispute any information in my credit report that I believe is inaccurate or incomplete. This law provides me with the right to request a thorough investigation of the reported late payment, and I kindly ask that you provide all documentation that supports this claim. 

If you are unable to verify the accuracy of this reported late payment or do not have adequate documentation, I request that you take immediate action to correct my credit report. Additionally, the FCRA requires that consumers are protected from inaccurate reporting, and I trust you will adhere to these regulations. 

Please respond in writing to confirm the receipt of this letter and provide me with an update on the actions taken regarding this dispute. I appreciate your prompt attention to this matter and look forward to your swift resolution. 

Thank you for your attention to this important issue. 

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 non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Summary of Complaint : Bank of America has frozen and is withholding two XXXX XXXX XXXX ( XXXX ) deposits from me during a forced account closure, despite these funds being federally protected under 42 U.S.C. 407 and 31 C.F.R. Part 212. 

My account was scheduled for forced closure on XX/XX/XXXX. However, an XXXX deposit of {$1900.00} was received on XX/XX/XXXX the day before the closure date. Under normal circumstances, this should have automatically stopped or delayed the closure process, as the deposit indicates an active, federally funded account in use. 

Despite this, the bank proceeded with the forced closure and subsequently blocked all debit and withdrawal activity. Then, on XX/XX/XXXX, an additional XXXX payment of {$2900.00} was deposited into the same account. As of today, the account remains frozen with a Block all XXXX  activity hold, preventing me from accessing any of my funds. 

I have contacted Bank of America through multiple channels customer service, social media, and the executive offices and have been told repeatedly that no one can stop the closure process. This is both factually incorrect and ethically indefensible, particularly when the funds in question are federally protected benefits. 

The bank has already deducted its own fees from the account, showing they can access the funds while I can not. This selective control over my XXXX payments is deeply concerning and has created severe and immediate financial hardship. 

I am the sole caregiver for XXXX small children. These XXXX payments are our only source of income. Because of Bank of Americas inaction, we are currently without food and transportation, and I have no way to meet basic needs. 

Bank of Americas handling of this matter shows a serious lack of compliance with federal regulations, and their unwillingness to release these funds even temporarily demonstrates an unreasonable and inconsiderate disregard for consumer welfare. 

I have made every effort to resolve this privately, but Bank of America has failed to act with urgency or compassion. I am filing this complaint as a last resort to ensure my family can access our legally protected benefits. 

Institution : Bank of America Account Type : Checking Date of Incident : XXXX XXXX XXXX Deposits Involved : {$1900.00} ( XX/XX/XXXX ) and {$2900.00} ( XX/XX/XXXX ) Total Amount : {$4800.00} Status : Account frozen / forced closure in progress

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 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Im a retiree and I was targeted by scammers who convinced me to make a payments and take a loan from Wells Fargo Bank .I did not understand the situation fully and I followed their instructions .Now I have a debt that I can not pay.I request assistance to resolve this issue, as I am a victim of fraud and unable to cover this debt.First payment was XX/XX/year> {$4000.00} XXXX XXXX XXXX XX/XX/year> {$4000.00} XXXX XXXX XXXX XX/XX/year> {$2800.00} XXXX XXXX XXXX XX/XX/year> {$1200.00} XXXX XXXX XXXX XX/XX/year> {$1400.00} XXXX XXXX XXXX XX/XX/year> {$4000.00} 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 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: KS

Complaint narrative:
Had a XXXX  XXXX XXXX. Had issues right after we got it. Was in the shop XXXX separate occasions in 6 month period. Had issues with the cat on the engine 4 months in and they refused to fix it. Then there was oil in the spark plugs around the 6 month mark. They refuse to do anything with it. I got a letter after it was returned saying it would be sold around XX/XX/XXXX and now its XX/XX/XXXX. They was deceptive from the day we got the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the XXXX  data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

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  Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : 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 2025-10-27 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: SC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX Bank XXXX. XXXX XXXX XXXX, OH XXXX Date : [ Insert todays date ] Re : Continued Dispute XXXX XXXX XXXX XXXX  Account ( ending in XXXX / XXXX ) XXXX XXXXXXXX XXXX, This letter is in response to your correspondence dated XX/XX/year>, concerning the results of my dispute filed through the Consumer Financial Protection Bureau XXXX XXXX. No. XXXX ). Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681i ), I am exercising my right to request verification and validation of the accuracy and completeness of the information being reported. While your letter indicates that XXXX XXXX  is no longer the creditor and sold the account to Midland Credit Management , Inc., you have also stated that you continue to report the account as a charge-off. Under FCRA 623 ( a ) ( 2 ), furnishers are required to ensure that information furnished to consumer reporting agencies remains complete and accurate, including updates to reflect any transfer, sale, or extinguishment of the debt. Please provide : XXXX. Documentation verifying the accuracy of the charge-off date and reporting ; XXXX. Proof of assignment or sale to Midland Credit Management, including the date and amount transferred ; XXXX. Confirmation that no balance remains owed to XXXX XXXX  as you stated, and that your reporting reflects a {$0.00} balance ; XXXX. Certification that you have notified all consumer reporting agencies of the sale and that XXXX XXXX  is no longer the creditor. If you can not provide verifiable documentation as required by FCRA 611 ( a ) ( 5 ) and 623 ( b ), please delete or correct any inaccurate or incomplete information being reported to the credit bureaus. Additionally, under 15 U.S.C. 1692g ( b ) ( FDCPA ), I request that Midland Credit Management cease all collection activity until full validation of the alleged debt is provided, including a copy of the original contract bearing my signature and a full payment history. Failure to comply with these federal requirements may constitute a violation of the FCRA and FDCPA, and I reserve my right to pursue remedies through the CFPB and other regulatory channels if necessary. Please provide a written response within 15 business days of receipt of this letter confirming your compliance and including the requested documentation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I made a payment XX/XX/XXXX it came back as insufficient funds returned payment fee {$25.00} XXXX tried making the payment again came back as no collected funds another {$25.00} I have not used this card in months yet the interest. XXXX {$65.00} and returned and interest thats {$15.00} out of every payment is causing me to make my payments and never be able to use them the last I have used this card was months ago and yet every payment I make is taken by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hey there, I hope everything is going great for you. The accounts listed below are the subject of my letter. That has a major impact on my credit score. These accounts shown on my credit report are a result of identity theft ; my personal information was compromised. Because these accounts weren't mine to begin with, and because I have no business being held liable for anything that was made public without my consent, they are having a significant impact on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Continental Finance Company, LLC
State: KY

Complaint narrative:
In XX/XX/year>, I contacted the XXXX Credit Card customer service department after noticing recurring fees that did not make sense. I discovered that I was being charged a XXXX XXXX monthly maintenance fee and an additional XXXX XXXX  monthly interest charge. These fees appear excessive and were never clearly disclosed when I opened the account. 

I asked the company to explain or remove the charges, but I was told they were standard fees with no further justification provided. I believe these charges are deceptive and potentially violate federal credit card regulations because they cause a significant portion of the monthly balance to be consumed by fees rather than actual credit use. 

As of now, these charges have continued each month, and the company has taken no corrective action despite my inquiry. I am requesting that these fees be investigated, refunded, and stopped 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 2025-10-27 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: SC

Complaint narrative:
The investigation did not fix an error on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I submitted a balance transfer request of ~ {$7600.00} from BMO to my personal banking at XXXX XXXX XXXX XXXX. BMO immediately created my credit card account with the fund, incruing interest. It has now been 30 BUSINESS days ( 6 weeks ) from the request. Not only have I not received the funds, I was informed I still had to pay the minimum balance on the BMO credit card, and I have had no help in trying to rectify this fraudulent balance transfer. They will not give me a Manager/Supervisor name so that I can get back in touch with the same person. I have been disconnected three times in 4 different calls. This results in calls that last for ~45 mins, only to be told that my issue is being " accelerated ''. I am attaching my XXXX and XXXX credit card statements from XXXX showing that I have never received the funds. I am attaching my BMO statement showing that they have charged me for the funds, and I am showing my " past due '' minimum payment, where they expect me to pay the arbitrary funds that I never received, despite numerous calls to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-27 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: OH

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
The investigation did not fix an error on my report

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 2025-10-27 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year> there is a hard inquiry from XXXX that does not belong to me. Also on XX/XX/year> another hard inquiry from XXXX XXXX XXXX No authorization was ever given by me for any of these inquiries which is heavily affecting my credit at this time at this time.

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 2025-10-27 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX  TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I made an attempt to reach out in regards of this reporting and received no response.

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