vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: ADP Inc.
State: VA

Complaint narrative:
Received two checks from employer through Wisely, which need to be authenticated in order to be deposited. On the note the checks were attached to, it clearly indicates that these checks can be deposited or cashed free of charge. One check was successfully deposited, and the other, in the amount of {$1100.00} was returned on XXXX XXXX. Called Wisely for clarification, and was informed that Wisely checks can not be deposited, only cashed, despite the fact that one check had already been successfully deposited. This conflicting information resulted in {$450.00} in overdraft fees from my financial institution as well as {$40.00} from my place of residence, and further calls also resulted in more representatives claiming Wisely checks can not be deposited. On XX/XX/XXXX, I called and spoke to a supervisor who said Wisely checks can, in fact, be deposited, but that the check in question did not exist in their system. After 10 minutes of providing more clarifying information, the supervisor indicated he had found the source of the problem, but hung up before giving any additional information. I need a written statement from the company to confirm their policy, as this discrepancy has resulted in not only the overdraft fees, but also caused me to no longer be able to submit payments to my place of residence and has caused significant issues and headache in the process. This company has repeatedly refused to even do so much as provide a statement on letterhead to let my place of residence know this issue was not my fault, and also refuses to provide a new check, as the previous one can also no longer be cashed due to the initial endorsement for which it had been deposited. "

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I ordered a cashiers check to be sent out for rent, the check arrived 3 months late by which point it was already cancelled and was shredded by the rental company. The claim was made and 2 affidavits were sent in. The fraud department can not find either of those sensitive, notarized documents and continue to hold my funds 5 months later

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and outdated personal information, which I formally disputed with TransUnion. 
Despite submitting the dispute along with proper supporting documentation, the credit bureau has failed to correct the following : Details of the Dispute : Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed on my credit report. 
I request that my name be updated to reflect the correct and complete legal name. 
Outdated Address : My current residential address is : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX However, my credit report shows an outdated and inaccurate address. 
I request that my current address be updated and that all outdated addresses be removed. 
XXXX. Incorrect Employers : My current and correct employer is : Self Employed The credit report incorrectly lists employers I have never worked for.

I request that only verifiable and correct employment information be reported.

Applicable Laws Violated : The credit reporting agencys failure to remove or correct these inaccurate items violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i Failure to reinvestigate disputed information within the required timeframe 15 U.S.C. 1681g Right to receive complete and accurate information from a credit file 15 U.S.C. 1681s-2 ( a ) Duty of data furnishers to report accurate information CFPB Bulletin 2014-01 Guidance on reinvestigation obligations of CRAs These errors can cause significant harm to my creditworthiness and may associate me with data and accounts that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: OH

Complaint narrative:
I have called them 4 times waited on hold for about 30 minutes each time to get hung up on every time. First, I mailed my payment for XXXX in late XXXX via certified mail and it shows delivered on XX/XX/XXXX but has not been applied to me account and today is the XXXX. Second, they just took over my loan on XX/XX/XXXX but has not mailed me ANYTHING indicating so or even providing my account number. XXXX, When I call them the automated system says I can not use their online portal " due to my loan status '' so I can literally only call them to be hung up on. XXXX, I just want my payment applied and to get my payoff amount so I can leave.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: RI

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of certain collection accounts appearing on my consumer credit report. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information.

After reviewing my credit report, I have identified the following collection accounts ) as inaccurate, incomplete, or unverifiable : XXXX XXXX  XXXX Account Number XXXX Date Opened XX/XX/year> Balance XXXX These accounts are being reported without proper verification and/or contain inaccurate information. Under 15 U.S.C.

1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate.

Additionally, if the furnisher of this information can not provide competent evidence to verify the accuracy and completeness of these collection accounts, the FCRA requires that the information be deleted or corrected promptly under 15 U.S.C. 1681i ( a ) ( 5 ).

Please provide me with : 1. Written confirmation of your reinvestigation results 2. Copies of any documentation used to verify the disputed accounts.

3. An updated copy of my credit report reflecting the removal of any unverifiable information If this matter is not resolved within the 30-day statutory timeframe, please be advised that continued reporting of inaccurate or unverifiable information may constitute noncompliance under 15 U.S.C. 1681n and 16810, subjecting your agency to civil liability.

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 2025-12-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
For the last 12 months I have repeatedly contacted Honda finance to update the remaining balance on my car lease. They have refused to update to the credit bureaus and make excuses that they are updating their systems. This has effected me from being able to finance a loan due to them not reporting my on time payments over a 2 year period. They stopped reporting my payments to all 3 credit bureaus on XX/XX/year>. All my credit reports show only 8 payments and then they stop. I have called over 10 times to Honda finance to fix this issue. They refused to update it as I again just checked my credit reports and still no update since XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist Demand Dear LVNV FUNDING LLC, I am writing to formally demand that you cease and desist from my credit report, which you have been engaging in since XXXX. 

Specifically, you are in violation of the Fair Credit Reporting Act. These actions violate 15 U.S. Code 1692c.

Please be advised that if you do not immediately stop these actions and refrain from any further unlawful conduct, I will be forced to take appropriate legal action, including seeking an injunction, pursuing damages, and/or reporting your actions to the relevant authorities.

I demand that you take the following steps : 1. Immediately cease and desist from accounts on my credit report.

2. Provide written assurance by XX/XX/XXXX that you will no longer engage in the aforementioned conduct.

3. Remove all accounts from ALL of my credit reports Failure to comply with this demand will leave me no choice but to seek all available legal remedies, including but not limited to, pursuing litigation in court.

Please take this matter seriously. I would prefer to resolve this issue amicably without resorting to legal action, but I will not hesitate to protect my rights through the legal system if necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: RI

Complaint narrative:
Dispute of Late XXXX XXXX XXXX  XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the reporting of a late payment on the above-referenced account. This dispute is made pursuant to the Truth in Lending Act, specifically 15 U.S. Code 1666b - Timing of Payments.

Under 15 U.S.C. 1666b ( a ), a creditor may not treat a payment as late if it is received by the creditor on or before the due date at the location designated by the creditor for receipt of payments.

My payment for the billing cycle in question was submitted in accordance with the terms provided by your company and was received on or before the due date.

Accordingly, I request that you : 1. Conduct a reasonable investigation into this matter ; 2. Correct or remove the late payment notation from
my account records ; and 3. Update all consumer reporting agencies to which you have furnished this inaccurate information.

Please provide written confirmation once the correction has been made. If you are unable to substantiate that the payment was late under 15 U.S.C. 1666b, continued reporting of this derogatory information may subject your company to liability under applir ' e federal law. 

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Dispute of Late XXXX XXXX XXXX  XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the reporting of a late payment on the above-referenced account. This dispute is made pursuant to the Truth in Lending Act, specifically 15 U.S. Code 1666b - Timing of Payments.

Under 15 U.S.C. 1666b ( a ), a creditor may not treat a payment as late if it is received by the creditor on or before the due date at the location designated by the creditor for receipt of payments.

My payment for the billing cycle in question was submitted in accordance with the terms provided by your company and was received on or before the due date.

Accordingly, I request that you : 1. Conduct a reasonable investigation into this matter ; 2. Correct or remove the late payment notation from
my account records ; and 3. Update all consumer reporting agencies to which you have furnished this inaccurate information.

Please provide written confirmation once the correction has been made. If you are unable to substantiate that the payment was late under 15 U.S.C. 1666b, continued reporting of this derogatory information may subject your company to liability under applir ' e federal law. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XX/XX/year> I charged {$2500.00} on one of my empty Bank of America XXXX  ( beginning balance was {$0.00} ). I made monthly payments on this new balance on time. The APR on this XXXX account was16.24 % at the time. 

On XX/XX/year> my remaining balance on this BofA XXXX account was $ XXXX.>>16.24 % APR on {$500.00} is {$6.00} when applying the standard interest rate credit card formula and it is {$6.00} using Bank of America APR formula. 

On XX/XX/year> Bank of America charged {$15.00} in interest on this {$500.00} balance, which is TWICE the interest amount that they could have lawfully charged?!

Throughout the month of XXXX I called Bank of America numerous times to complain about the wrong interest charge. I spoke with their billing offices in Texas and Florida but the reps all stonewalled me and refused to provide me with the right interest charge amount or to even acknowledge the obvious discrepancy. It was like they were all going by the same script, the same fraudulent MO that was taught to them by upper management, like they were all coached to lie. They were all upholding the billing fraud. 

On XX/XX/XXXX and XX/XX/year> I sent two email correspondence to the Bank of America Retail Banking President XXXX XXXX XXXX and spoke with her assistant VP XXXX XXXX who also stonewalled me and used the exact same talking MO nonsense as all the billing reps I spoke with. That's when I realized that it is a company-wide billing fraud directive.

and that Bank of America is engaging in massive interest charge billing fraud as its XXXX. I realized that this matter must be reported to the FTC and federal investigators. 

On XX/XX/year> I paid off my {$500.00} remaining balance plus the interest charge of {$6.00}, which I calculated myself, as the Bank refused to adjust the fraudulent interest charge of {$15.00}. At that point my balance should have been {$0.00}.

But Bank of America stuck me with the remained of their FRAUDULENT INTEREST CHARGE of {$8.00} ( {$15.00} - {$6.00} ) and have been unlawfully reporting it as a " non-payment '' or " late '' to credit bureaus, causing damage to my credit.

Bank of America is engaging in BLATANT INTEREST CHARGE FRAUD against its consumers like myself.

FYI : I have had perfect credit for a long while now, with an average score of XXXX, but due to this Bank of America Interest Charge Fraud, my credit score has come down substantially and hurt my credit record. ( I have two other XXXX credit cards with BofA that have been in perfect standing for over 10 years ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This complaint is associated with complaint id : XXXX I because a person of interest on this loan for the XXXX time around XX/XX/XXXX. Bank of America won a judgement to re-instate this loan, that they accidentally discharged in XX/XX/XXXX. The judgement was to re-instate the loan so I can continue the payments. Bank of America did not tell the Judge this loan was in foreclosure. The judgement further stated that the re-instatement shall be at the expense of Bank of America. 

Bank of America has put this loan into foreclosure and is charging me over {$2000.00} in foreclosure fees. In addition, according to XXXX XXXX of Bank of America, I was excluded from communication regarding the status of the loan, in spite of being a recognized person on interest, until I received a pay-off statement that included the foreclosure fees. 

I think it is unfair that Bank of America did not tell the XXXX XXXX XXXX that the loan was in foreclosure at time of request of re-instating, I think it is unfair that I did not have the opportunity to resume payments on the loan as the Judge declared, and I think it's unfair that i am being charged foreclosure attorney fees, especially since the Judge 's orders were that the loan re-instatement was to be at the expense of Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Radius Global Solutions has sent repeated automated collection emails regarding an alleged account, totaling at least 19 emails within approximately two-week periods and continuing over several months. The frequency and persistence of these electronic communications are excessive and have caused ongoing distress.

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