vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit is not being reported due to my SSN being incorrect within credit bureau databases. I was told this information through Trans Union. I am assuming my SSN was mistyped somewhere and my information is now labeled under a deceased persons based on information given to me by Trans Union. I have attempted to resolve this with Trans Union when they directed me to send a physical copy of my SSN, DOB ( birth certificate ), and name ( Driver 's license ) to their XXXX XXXX but was unable to resolve this due to their claim of " not receiving these items ''. They claimed to need this information to verify my identity to fix the error, but this was never resolved. It has been more than a year that I have had this problem now and I am still unable to build any credit. My SSN has also been used in the recent year to try and build crypto within another site that I have had to dispute since it is most commonly used with deceased persons SSNs. 

I have also spoken to a USA.gov representative on their website and they directed me to this site for extra help. I am assuming based on what I read on the website that I have what is called a " mixed file '' but I am still not sure because everyone I have spoken to can not give me a straight forward answer. I need this fixed so I can get loans and rent property. Please send this information to Trans Union as well as other credit bureaus who share this information so that I may have this issue resolved faster. I am unable to dispute with Trans Union on the XXXX XXXX website most likely because of this problem since it can not load my data correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Issue : Bank of America denied my fraud claim based on incorrect and inaccurate information recorded by their representative. 

Details : I filed a fraud claim with Bank of America for unauthorized transactions totaling {$2000.00}. 
My claim was denied because the bank stated in their notes that I memorized the PIN, implying I may have been responsible. 

This statement is false and not what I said. 
I did not say that I memorized the PIN, I never shared my PIN with anyone, and I did not authorize any of the transactions. 

The representative misunderstood me, but that incorrect information was used as the basis to deny my claim. When I called to correct this, Bank of America refused to reopen or escalate the case, even though the denial was based on factual errors. 

I am requesting that Bank of America : 1. Correct the inaccurate statement in their notes 2. Reopen and reevaluate my fraud claim 3. Contact me to resolve this issue Harm : This denial is causing me financial hardship. As an XXXX student, I do not have income and can not afford this loss. The inaccurate notes directly affected the result of the claim. 

Requested Resolution : Reopen my fraud claim, correct the inaccurate notes, and re-evaluate the claim fairly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had deposited a check on XX/XX/XXXX. They did not release the funds until XX/XX/XXXX they will not give me a reason for such a long hold, its the same company I get the checks from every XXXX weeks. Then because of there long hold I incurred overdrafts and asked them to refund them they told me no. On top of that they sent me a notice of release of funds for XX/XX/XXXX so I was expecting the money then, they sent me another notice saying they were not releasing until XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: CA

Complaint narrative:
As a federally protected consumer, I have the right to privacy, accuracy, and fair handling of my personal information under the Fair Credit Reporting Act ( FCRA ). My data must be maintained with confidentiality, and any information reported about me must be accurate, complete, and verifiable. 

I am formally disputing the items referenced in my attached documents. These entries are inaccurate, misleading, and not supported by proper verification, which places them in violation of FCRA 602 ( a ), 607 ( b ), and 611. Reporting information that can not be verified or substantiated is unlawful and harmful to my character, financial reputation, and consumer rights. 

I am specifically requesting : Deletion of all accounts and entries that are unauthorized, inaccurate, or unverifiable. 

Correction or removal of all late payment notations that are misleading or not supported by documented proof. 

A full explanation of the method of verification used for each disputed item. 

If any furnisher of information can not provide documented, original evidence substantiating these late payments or negative entries, the information must be removed as required by federal law. 

I have enclosed all supporting documents, including an invoice for damages resulting from inaccurate reporting. I expect a response and completed investigation within the timeframe required under FCRA 611. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: CA

Complaint narrative:
As a federally protected consumer, I have the right to privacy, accuracy, and fair handling of my personal information under the Fair Credit Reporting Act ( FCRA ). My data must be maintained with confidentiality, and any information reported about me must be accurate, complete, and verifiable. 

I am formally disputing the items referenced in my attached documents. These entries are inaccurate, misleading, and not supported by proper verification, which places them in violation of FCRA 602 ( a ), 607 ( b ), and 611. Reporting information that can not be verified or substantiated is unlawful and harmful to my character, financial reputation, and consumer rights. 

I am specifically requesting : Deletion of all accounts and entries that are unauthorized, inaccurate, or unverifiable. 

Correction or removal of all late payment notations that are misleading or not supported by documented proof. 

A full explanation of the method of verification used for each disputed item. 

If any furnisher of information can not provide documented, original evidence substantiating these late payments or negative entries, the information must be removed as required by federal law. 

I have enclosed all supporting documents, including an invoice for damages resulting from inaccurate reporting. I expect a response and completed investigation within the timeframe required under FCRA 611. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: AR

Complaint narrative:
To Whom It May Concern, This letter is a formal FCRA and XXXX compliance dispute regarding the inaccurate and inconsistent reporting of specific accounts on my credit file. The information reported by your bureau is not complete nor accurate, and contains violations of : - FCRA XXXX ( a ) Maximum Possible Accuracy - FCRA 611 Reinvestigation Requirements- FCRA 607 ( b ) Failure to Maintain Reasonable Accuracy Procedures- XXXX CRRG Reporting Standards I am not requesting verification by XXXX. I am requesting correction or deletion based on the factual inaccuracies identified below. 

ACCOUNTS REPORTING INACCURATE / NON-COMPLIANT DATA XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status is reported simultaneously as : - Closed - Charge-Off / Collection - Current / Paid Delete this account for failure to report uniform status data. 

XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Charge-off and Closed status conflicts - Improper account classification Delete this account for inaccurate reporting. 

XXXX. XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off status conflicts- Date of First Delinquency not properly reported Delete this account. 

XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Different payment history and status across bureaus Delete this account for inaccurate reporting. 

XXXX. XXXX XXXXXXXX ( Multiple Accounts ) XXXX XXXX XXXX XXXX XXXX Accounts only on XXXX bureau - Missing XXXX  - XXXX violations Delete these accounts. 

XXXX. XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Conflicting status across bureaus - Missing uniform payment history Delete this account. 

REQUEST FOR IMMEDIATE ACTION Because the above accounts contain reporting inconsistencies, inaccurate information, improper coding, and XXXX violations, I demand the following action : XXXX. Delete each account listed due to inaccurate and unverifiable reporting. 
XXXX. Provide the following for EACH account if you choose to keep it : - Method of Verification ( FCRA 611 ( a ) ( 7 ) ) - Furnisher name and contact information - Original Date of First Delinquency - Verification source used CERTIFICATION I certify the statements listed above are true. This is a factual dispute supported by inconsistencies in the credit data. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: NV

Complaint narrative:
Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Unauthorized Hard Inquiries Demand for Validation Under FCRA 604, 609 & 611 To Whom It May Concern : This correspondence is a formal dispute of multiple unauthorized hard inquiries on my Experian credit file. I have no record of applying for credit with the companies listed below, nor did I grant approval for my credit report to be accessed. 

Under FCRA 604, a company must possess a permissible purpose to obtain my credit report. Without my written or electronic authorization, these inquiries are unlawful. I am requesting full verification, including signed applications or direct evidence of authorization, for the following entries : Unauthorized Inquiries ( Experian ) XXXX XXXXXXXX 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 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 XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
FORMAL COMPLAINT LETTER Re : Claim XXXX Account Ending XXXX Loss Amount {$15000.00} To Whom It May Concern, I am submitting a formal complaint regarding Claim XXXX, associated with my Bank of America account ending in XXXX, for the total disputed amount of {$15000.00}. The handling of this claim has been deeply improper and has caused continuing and severe financial harm. 

Despite repeatedly reporting unauthorized activity and requesting assistance, Bank of America failed to conduct a complete or adequate investigation into the claim. Information was inconsistent, unexplained, and never properly documented or resolved, leaving my account in an incorrect status and the loss unaddressed. 

I also need to make it clear that I am an individual with a documented XXXX. I specifically requested reasonable accommodations, including clear communication, accessible explanations, and support navigating the documents and processes attached to this claim. These requests were ignored. As a result, I was left without the assistance that federal XXXX laws require. This failure to provide accommodations not only violated my rights, but it directly contributed to my inability to resolve the claim and prolonged the financial hardship I continue to face. 

Because of this mishandling and the denial of necessary accommodations, I remain in the same unresolved situation today. The loss of {$15000.00} has never been corrected or reimbursed, and the banks actions have caused long-term harm, including severe instability, interruption of essential needs, and substantial emotional distress. 

I am requesting the following : XXXX. Immediate reimbursement of the full {$15000.00} associated with Claim XXXX. 


XXXX. A full audit of all actions taken on the claim and account. 


XXXX. Written explanation of why reasonable accommodations were not provided. 


XXXX. Corrective action to ensure compliance with federal XXXX laws. 


XXXX. Updated written documentation reflecting accurate findings and final resolution. 



Please consider this letter a formal notice of ongoing harm and a request for immediate correction. 

Sincerely, XXXX XXXX XXXX Phone : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am filing this complaint because Midland Credit Management is attempting to collect and has filed a lawsuit against me in South Carolina XXXX XXXX ( Case No. XXXX ) without ever providing legally required proof that I owe the debt. 

Midland claims that I owe a charged-off credit card account originally from Bank of Missouri XXXX I have never received a signed contract, account statements, or proof of assignment from XXXX XXXX XXXX to Midland. I also disputed the debt, and Midland never provided validation as required under FDCPA 1692g ( b ). Despite this, they filed a lawsuit, which is forbidden under federal law until proper validation is completed.

Midland is also reporting this unverified debt on my credit reports with Equifax, Experian, and TransUnion, without marking it as disputed. This violates FDCPA 1692e ( 8 ) and FCRA 1681s-2 ( b ), because they failed to investigate or correct inaccurate reporting after my dispute.

Midland 's lawsuit and credit reporting have harmed me financially and emotionally. They are trying to collect a debt without any proof that I owe it, which is misleading and unfair. They also misrepresented their legal right to collect, which violates FDCPA 1692e, 1692f, and FCRA 1681s-2 ( b ). 

I request the CFPB to require Midland Credit Management to : Provide full validation of the debt, including contract, account history, and chain of ownership, or stop all collection activity. 

Remove the account from all credit reports if they can not prove that I legally owe it. 

Stop filing lawsuits until they validate debts as required by law. 

Investigate Midlands violations of FDCPA and FCRA and provide corrective action. 

Thank you for reviewing my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Complaint Against : Navy Federal Credit Union XXXX : Mishandled fraud dispute, improper reversal of provisional credit, XXXX  XXXX violations Summary of Complaint : I am filing a complaint against XXXX  XXXX Credit Union because they mishandled my fraud dispute, failed to conduct a proper investigation, and wrongfully reversed provisional credit in violation of Regulation XXXX ( XXXX XXXX XXXX ). XXXX XXXX treated the fraud as if it were my fault, despite clear evidence of identity theft, account takeover, and unauthorized electronic fund transfers. 

Details of the XXXX XXXX : On XX/XX/year>, I was the victim of identity theft and social engineering. I received a phone call from someone impersonating XXXX XXXX who claimed there was fraud on my account. I was later mailed a fraudulent debit card ending in XXXX that I believed came from XXXX XXXX. 

While the impersonator kept me on the phone, they accessed my XXXX XXXX account, linked an unauthorized debit card ending in XXXX, and at XXXX AM withdrew {$1000.00} instantly to that card. Multiple additional fraudulent Add Money attempts occurred at XXXX AM, XXXX AM, and XXXX AM. I did not authorize ANY of these transactions. 

How XXXX XXXX Mishandled the Case : XXXX XXXX initially provided a provisional credit but later reversed it without performing a proper investigation. They failed to : Review multiple failed transaction attempts showing account takeover Investigate the unauthorized card ending in XXXX Investigate the fraudulent card mailed to me Consider the timeline and pattern of fraud Provide copies of documents used to deny my claim Provide written findings Contact me for additional information Conduct a reasonable, good-faith investigation as required under XXXX  XXXX They simply reversed the provisional credit and blamed me, which is not permitted under XXXX  XXXX. 

XXXX  XXXX Violations : XXXX XXXX violated the following requirements : Failure to conduct a reasonable investigation ( XXXX ( b ) ) Failure to provide written findings and supporting documents ( XXXX ( d ) ) Failure to provide or maintain provisional credit properly ( XXXX ( c ) ) Failure to restore funds for clear unauthorized transfers ( XXXX ) What I Am Requesting : I am asking the CFPB to require XXXX XXXX to : Reopen my fraud case Restore my provisional credit Refund the unauthorized {$1000.00} Provide all documents and evidence used in their denial Conduct a full Regulation Ecompliant investigation Supporting Documentation : I have attached a complete fraud evidence packet including : Screenshots with timestamps A full narrative A fraud timeline A copy of the fraudulent card used Documentation showing the unauthorized transactions and failed attempts Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: FL

Complaint narrative:
Subject : Formal Complaint Inaccurate Reporting by XXXX XXXX  ( FCRA, XXXX XXXX  & Florida Statute XXXX ) To whom it XXXX concern, I am filing a formal complaint regarding inaccurate, incomplete, and misleading reporting by XXXX XXXX  across multiple credit bureaus XXXX in violation of the FCRA ( 15 U.S.C. 1681e ( b ), 1681i ), XXXX XXXX  ( XXXX CFR XXXX ), and Florida XXXX XXXX ( XXXX ). 

After reviewing my credit reports, I identified the following errors : The account is marked as Current Account by TransUnion despite being reported as closed on XX/XX/XXXX. A closed account can not simultaneously be reported as current. This is materially inaccurate and misleading. 

TransUnion reports a balance of {$670.00} while Equifax reports {$640.00}. Closed accounts must reflect consistent and accurate balances across all bureaus. 

The reported high balance of {$5000.00} exceeds the credit limit of {$2700.00}, which is implausible and strongly suggests incorrect or corrupted data. 

The account was closed in XXXX, yet Equifax reports payment activity in XXXX. A closed account can not show new payment activity unless it has been reopenedwhich is not reportedindicating a serious data integrity failure. 

XXXX XXXX  requires furnishers to maintain and transmit accurate and verifiable information. These inconsistencies demonstrate non-compliance and potential use of unverifiable or incorrect data about the debt. 

Under Florida XXXX XXXX ( XXXX ), it is unlawful to provide deceptive or misleading information about a consumer debt. The contradictory statuses, balances, payment dates, and current designation may constitute a misrepresentation of the debts true condition. 

These inaccuracies are harming my credit profile and violate multiple consumer protection laws. I request that the CFPB investigate XXXX XXXX and require them to : Conduct a full investigation under FCRA 1681i ; Provide documented verification of all reported dates, balances, and statuses ; Correct or delete any inaccurate, inconsistent, or unverifiable information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief