vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/year>, I deposited a Treasury check ( I can provide information later ) for {$1300.00} via Bank of America mobile deposit. The check cleared successfully and funds were credited to my account. 
XXXX  months later, on XX/XX/year>, Bank of America debited my account for the same {$1300.00}, claiming the check had been deposited a second time. I did not redeposit this check, and the original check had already cleared. The paper check was discarded months ago, but I did not authorize any additional deposit. 
I contacted the XXXX XXXX XXXX  the issuer of the check, and they confirmed that the check was paid only once to me and that they have no record of any second deposit. Despite this, Bank of America has not restored the funds and continues to insist that the reversal was correct. 
I have escalated the issue multiple times with Bank of Americas fraud department. They have refused to provide evidence of the alleged duplicate deposit or investigate the situation further. I have documentation including : Front & Back of check via BOA mobile deposit XX/XX/XXXX deposit confirmation Bank of America reversal notice Treasury correspondence confirming only XXXX payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: MI

Complaint narrative:
disputes were files with all three credit bureaus and I was sent inaccurate information, about accounts that has not been authorized by me. I recently filed a disputes in the amount of {$310.00}, {$72.00}, and {$690.00} on XXXX XXXX. I've filed a few disputes on the same accounts which one had fell off and was back reporting once again. I stated to the credit agencies that my information had been compromised and these are not my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: MI

Complaint narrative:
disputes were files with all three credit bureaus and I was sent inaccurate information, about accounts that has not been authorized by me. I recently filed a disputes in the amount of {$310.00}, {$72.00}, and {$690.00} on XXXX XXXX. I've filed a few disputes on the same accounts which one had fell off and was back reporting once again. I stated to the credit agencies that my information had been compromised and these are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: MI

Complaint narrative:
I am filing this complaint because the credit bureaus continue to report inaccurate late payments on my credit file despite my disputes. These errors relate to accounts with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

The reported late payments are inaccurate and constitute billing errors under the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ), including : Failure to accurately reflect payments I made.

Computation or accounting errors in how payments were applied.

Failure to provide statements 21 days prior to the alleged due dates, which makes any late payment reporting invalid. 

I specifically dispute the payment history reporting for : XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( multiple late payments reported ) XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  I have requested documentary evidence showing that I was late in making these payments. To date, no such proof has been provided by the furnishers or the credit bureaus. 

FCRA & FCBA Violations 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed items.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1666 ( b ) : Failure to correct billing errors and inaccurate payment history reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this dispute to challenge fraudulent accounts listed on my credit report. I did not authorize or open these accounts, and they are entirely false. Their presence has caused unnecessary damage to my credit reputation and misrepresented my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: OH

Complaint narrative:
Date : XX/XX/XXXX To : XXXX  XXXX XXXX, XXXX XXXX. Box XXXX XXXX, GA XXXX XXXX  XXXX XXXX XXXX XXXX. 
P.O. XXXX XXXX XXXX, TX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Re : Identity Theft Fraudulent Accounts to Be Deleted Immediately FTC Report Number : XXXX Notice of Dispute This letter serves as my formal dispute under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1681s-2. I am a documented victim of identity theft, as proven by my attached FTC Identity Theft Report, signed under penalty of perjury on XX/XX/XXXX The following account is fraudulent and must be deleted immediately from all of my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reported Balance : {$9500.00} Fraudulent discovery date : XX/XX/XXXX This account was never authorized by me. It was opened using stolen personal information exposed during known data breaches of XXXX, TransUnion, XXXX, XXXX, and others XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires consumer reporting agencies to block and delete all information resulting from identity theft within XXXX business days of receiving a valid identity theft report. 
FCRA 609 ( e ) : Grants me the right to obtain and provide records of fraudulent transactions to prove identity theft.

FCRA 616 & 617 : Provide for civil liability and damages should you fail to comply, including statutory damages, attorneys fees, and punitive damages.

UCC 1-308 : I reserve all rights without prejudice. 



Demand You are hereby instructed to : XXXX. Delete all negative and fraudulent information relating to the above account ( XXXX ) from my credit file. 
XXXX. Cease reporting this fraudulent account to any XXXX XXXX 
XXXX. Provide me with a corrected copy of my credit report reflecting these deletions. 

Failure to comply within XXXX ( XXXX ) calendar days of receipt of this notice will leave me no choice but to pursue arbitration, legal action, and financial compensation for damages to my credit, reputation, and peace of mind. 



Attachments FTC Identity Theft Report XXXX XXXXXXXX ( dated XX/XX/XXXX ) Copy of identification & proof of address Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
My XXXX report contains unauthorized hard inquiries that I did not initiate or consent to : State Employees Credit Union ( SECU ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries lack a permissible purpose under FCRA 604. I have disputed these items multiple times, but XXXX  has failed to adequately investigate as required by FCRA 611. XXXX continues to allow the furnishing of inaccurate, unauthorized information, which harms my credit. I request deletion and written confirmation.

Violations : FCRA 604 ( permissible purpose ).

FCRA 607 ( a ) ( CRA obligation to ensure inquiries are valid ).

FCRA 611 ( once disputed, CRA must delete unauthorized items ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My XXXX report contains unauthorized hard inquiries that I did not initiate or consent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Capital One Bank XXXX XXXX XXXX, N.A. XXXX XXXX XXXX  These inquiries lack a permissible purpose under FCRA 604. I have disputed these items multiple times, but XXXX  has failed to adequately investigate as required by FCRA 611. XXXX continues to allow the furnishing of inaccurate, unauthorized information, which harms my credit. I request deletion and written confirmation.

Violations : FCRA 604 ( permissible purpose ).

FCRA 607 ( a ) ( CRA obligation to ensure inquiries are valid ).

FCRA 611 ( once disputed, CRA must delete unauthorized items ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: Byrider Franchising, LLC
State: OH

Complaint narrative:
Some things on my credit report are XXXX years old or older and I keep getting phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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 ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
" To Whom It May Concern : I am sending this letter to you in response to a notice I received from you .Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalid information to any of the XXXX major Credit Bureaus XXXX XXXX XXXX XXXX XXXX  ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have identified collection accounts on my credit report that I believe include inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is accurate and verifiable. I am requesting a review of these accounts, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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.

Complaint narrative:
( TRANSUNION XXXX XXXX XXXX ; XXXX XXXX XXXX ) Several unregistered Non-Banking Financial Companies ( XXXX  ) not approved by the XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) have reported loan/credit accounts to credit bureaus, including delinquencies and inquiries, which lowered my credit scores ( eXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as of recent reports ). 
The entities are : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ( operating as XXXX XXXX, with mismatches in registration details like primary activity as textiles per XXXX, but functioning as a XXXX lender offering loans from XXXX to XXXX at XXXX % XXXX ). 
Per XXXX 's registered XXXX list as of XX/XX/XXXX, these are not registered or authorized. They reported to XXXX XXXX primarily, with references : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report Order No. XXXX, XXXX XXXX. 
Actions taken : I reviewed my credit reports in XX/XX/XXXX, cross-checked XXXX  lists, and found unauthorized reporting. No specific loan dates or amounts recalled, but reports show impacts from inquiries/delays. The companies disbursed loans digitally without proper XXXX approval, leading to collection attempts. 
I request removal of these entries from all bureaus, cessation of collections, and penalties for illegal practices under XXXX XXXXXXXX XXXX guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NC

Complaint narrative:
I was under the impression that my student loans were in deferment. They were not, XXXX XXXX  had sent me emails that were going to spam about making a payment. It was not until I got an alert on my XXXX XXXX app that my score had dropped that I realized they were in fact not in deferment. I immediately called and made a payment. XXXX XXXX  updated my account to where everything was up to date there are no delinquencies that are reflected on this account any longer. I would like to get this negative reflection removed from my credit 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 explanation
Consumer complaint received 2025-09-23 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: NC

Complaint narrative:
I was under the impression that my student loans were in deferment. They were not, XXXX XXXX had sent me emails that were going to spam about making a payment. It was not until I got an alert on my XXXX XXXX  app that my score had dropped that I realized they were in fact not in deferment. I immediately called and made a payment. XXXX XXXX updated my account to where everything was up to date there are no delinquencies that are reflected on this account any longer. I would like to get this negative reflection removed from my credit 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 explanation
Consumer complaint received 2025-09-23 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 account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I am writing to file a complaint against Navy Federal credit union.Regarding OverDraft fees I have incurred. Despite having Sufficient Funds when, Transactions where Authorized. I was charged fees due to Lagged posting of charges and credits. This issue Aligns with the recent ( CFPB ) Findings against XXXX Federal for similar practices where transactions settled with insufficient balance despite initially Available funds. I believe theses practices are unfair and request an investigation into my ACC : and my ACC : being CLOSED for unidentified identity in 2018 Which I have shown my I.D for my ACC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: OK

Complaint narrative:
A sales person from XXXX XXXX XXXX, presented financing thru Mosiac Loans. This was only a pre-qualification loan, and was not an authorization for final loan, until the project was completed by XXXX XXXX. On XX/XX/XXXX, XXXX contacted me, and asked that I change the loan plan to XXXX, offering a lower interest and terms. I agreed, and completed the loan application for pre-approval with XXXX. XXXX assured me the Mosiac loan would be cancelled by email, text and verbal conversation. They stated, these are only preapprovals, and no loans are enacted until XXXX submits the " XXXX to Turn On '' at project closing, and draws funding. XXXX, accepted my application with preapproval. The project was completed on XX/XX/XXXX. XXXX received project closure, and began the loan. ( I paid of in 30 days ) On XX/XX/XXXX, my credit report noted a {$10000.00} with Mosiac open loan! Mosiac Solar is reporting, I owe {$10000.00} loan, which was not approved for Power turn on. The loan was paid off at XXXX, XX/XX/year>. XXXX submitted the XXXX to Turn on to XXXX. I paid off the loan immediately. 
I contacted XXXX, and the XXXX advised Mosiac was provided a cancel of loan with Mosiac, and changed loan financing to XXXX. 
Now this has become a finger pointing between XXXX XXXX, and Mosiac. Freedom states, the submitted the cancellation with Mosiac, and Mosiac states waiting on cancellation from XXXX, Mosiac declared bankruptcy and misrepresentation of a loan that was not authorized, approved. Mosiac has reported a loan amount of {$10000.00}, and does not have any documents from XXXX closing the project, and authorizing a loan. 
XXXX XXXX, continues to state, Mosiac filed bankruptcy and using the fraudulent loans as leverage. The loan can not, and does not exist with Mosiac. 
Contacted Mosiac, they are claiming XXXX has NOT provided a cancellation. XXXX tells me they have. I have an email from XXXX, stating XXXX does NOT have funds from Mosiac, and all Funds came from XXXX. Mosiac loan is fraud, XXXX XXXX project was financed by XXXX, paid off. Mosiac loan is Fraud!

Company response to consumer: Closed with explanation