vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of america closed my account XXXX weeks ago and have given no explanation why. There is no suspicious acitivty on my account. They have been holding my funds. They also system wide banned me on XXXX XXXX XXXX XXXX XXXX and plaid also ( None of my transactions go through ). They have given no explanation why, and have been radio silent. I have tried multiple times to visit a branch or call them through the phone and everytime they fail to authenticate me. I am constantly running in circles. If BOFA doesnt want me its fine, but why have they system wide banned me so XXXX cant even use any bank in america which has XXXX  and plaid?? 

Please do tell me the exact reason why and please lift my restricitons. Every single transaction of mine is legit. 

My bofa email- XXXX XXXX phone number- XXXX Please call me at XXXX, XXXX dont have access to that phone number XXXX Thanks, 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 monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year> I contact what I believed to be XXXX XXXXs to book travel. 

However the company I reached was fraudulent and impersonating XXXX XXXX They obtained my credit card information and charged {$5200.00} for a trip that was never actually booked. 

As soon I realized they were a scam, I took immediate action and canceled my credit card with Bank of America, alerted them and got a new card. 

I have also tried multiple times to get in touch with this fraudulent company to rectify the situation but their number and is no longer active. The company is XXXX XXXX XXXX. They have a false website and phone number. 

I have reported this to Bank of America, filed a police report and submitted an internet crime complaint letter. 

Bank of America is saying I am responsible for this charge which is against the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I deposited a 3rd party check from a lawyer to my dad as he didn't have state ID to cash it. He signed the check and I signed, then deposited it into my account. I brought him to the bank to verify but as I stated, he didn't have a state ID so we were told I would not be able to receive the funds until it was verified. I asked could they send the check back to the lawyer, I was told they could not as the check was cashed when deposited into my account. Then I was told my account would be closed because I deposited a 3rd party check and had no warning at all and could not access any of my accounts while they investigated then it was closed a day or 2 after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least XXXX days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CT

Complaint narrative:
I applied online for a U.S. Bank credit card ( XXXX XXXX XXXX ) through a promotion clearly advertised on U.S. Banks website. The promotion stated : For a limited time, get a special 0 % intro APR on

purchases and balance transfers for 24 billing cycles. This was an online-only promotion displayed directly on U.S. Banks website at the time of my application. I did not receive a paper mailer because this was not a mailed offer.

After my account was opened, the credit agreement I received reflected only 18 months of 0 % intro APR, not the 24 months that were advertised and under which I applied. This discrepancy is incorrect and does not match the promotional terms shown during the application process.

When I contacted U.S. Bank to resolve the issue, representatives repeatedly demanded that I provide a paper mailer to prove the offer. This requirement is unreasonable and impossible to satisfy because the promotion was not sent by mail, it is directly on their website and the application method was through online. U.S. Bank should be able to verify the promotion internally by reviewing its website promotional records and my online application data from the time of application.

U.S. Banks refusal to honor the advertised 24-month 0 % intro APR and its insistence on documentation that can not exist raise concerns about misleading or deceptive advertising and failure to honor disclosed promotional terms.

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 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX I reported to Equifax that my XXXX XXXX went down and notice a Capital One card was opened, without my consent. I reported fraud. I also contacted Capital One and they wouldn't help me at, since I didn't have the account information, they said They couldn't do anything. 

On XXXX XXXX the report was closed, stating that I am responsible for the {$6000.00}. I Spoke to Capital XXXX, again and asked where and what was bought, and they told me I went shopping at a XXXX store in Washington, which I have not been to in decades. I explained to them, that it was not me and they said they would look into it. 

XXXX XXXX I reported fraud to both Equifax and Capital One. Today I received a letter from Capital One that I owe {$6000.00} and my XXXX XXXX dropped, due to no payments. I have always had an excellent score, prior. 

I never received a credit card in the mail or a statement from Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WESBANCO BANK, INC.
State: OH

Complaint narrative:
XXXX I wrote a {$5000.00} check from my XXXX account to deposit into an account at another bank. 

XX/XX/XXXX - the funds were withdrawn from my WesBanco account. 

XX/XX/XXXX - the check had not cleared at the other bank. 

XX/XX/XXXX - I called the receiving bank and they said the issue was with WesBanco, but WesBanco was not cooperating. I called WesBanco and asked where my {$5000.00} was. The representative took my information and called me back. He told me they "..... were having issues.... '' and would try to resolve over the weekend. I stated that his response was obtuse and asked if this was a technology issue and he could not answer. I asked if this was a policy issue and was told no. 

XX/XX/XXXX - the status of my funds is still unknown. 

Since WesBanco has acquired XXXXXXXX XXXX we have had ongoing issues to include unexpected fees- which they reversed when I called about them. We were unable to use the WesBanco 's routing number to pay a bill, but when the vendor used the XXXX routing number, the funds were transferred. 

Overall, WesBanco appears to not have the infrastructure or interest to manage the banking needs we had with XXXX. 

Please help me find my {$5000.00}, which WesBanco claims it is unable to do so at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
I am being contacted by SOURCE RECEIVABLES MNG regarding an alleged debt to XXXX XXXX XXXX XXXX The balance they claim I owe is {$150.00}. 

This debt was previously deleted from my credit report, but it has been resubmitted and is appearing again without proper verification. 

On XX/XX/year>, I sent a formal cease and desist letter requesting verification of the debt under the FDCPA. In the letter, I requested : Documentation proving I am legally obligated to pay the amount claimed The name and address of the original creditor An itemized accounting of the debt, including interest, fees, or other charges Any judgment or legal documentation if applicable Despite this request, I have not received verification from the company, and they continue to contact me regarding the alleged debt. I am disputing this debt and asking for proper verification before any further collection activity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2025-12-14 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-12-14 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: IL

Complaint narrative:
Multiple inaccurate accounts have been reporting to my credit file without my knowledge

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 2025-12-14 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: TX

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX and XX/XX/year> I was facing financial hardship in those months, but I overcome my problem and make my payments. Have a good payment history just have a few hiccups here and there. I kindly request a Goodwill adjustment to remove the late payments from my credit report this will greatly help me as I improve my financial standing. 
Thank you for your time and assistance. I look forward to your response. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy, completeness, and verifiability of the above-referenced collection account currently appearing on my XXXX  credit report. 

After reviewing my report, I identified multiple material inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), including but not limited to the following : Specific Dispute Reasons 1. Conflicting Original Creditors One tradeline lists the original creditor as XXXX Bank Another tradeline lists the original creditor as XXXX  XXXX XXXX XXXX  These entries reference the same account number and date opened, yet identify different original creditors, which is materially inaccurate and misleading. 
2. Inconsistent Balances for the Same Account One account reports a balance of {$880.00} Another reports {$910.00} The same alleged debt can not lawfully report different balances simultaneously, rendering the data unreliable and unverifiable. 
3. Failure to Provide Required Verification Under 15 U.S.C. 1681e ( b ), XXXX  is required to maintain reasonable procedures to assure maximum possible accuracy. Given the conflicting data, this account can not be verified as accurate. 
4. Unverified Collection Reporting This account is marked as a collection account, yet XXXX  has failed to ensure that Midland Credit Management has provided : Proof of ownership of the debt A complete payment history A valid chain of title from the original creditor Legal Basis for Deletion 15 U.S.C. 1681i ( a ) ( 1 ) Requires XXXX  to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) Prohibits reporting information that can not be verified as accurate 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requires deletion of information that is inaccurate, incomplete, or unverifiable Because these inaccuracies are material and fundamental, correction is not sufficient. The only legally compliant remedy is complete deletion of this collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR

Complaint narrative:
I am submitting this complaint regarding repeated and unresolved inaccurate credit reporting by Toyota Financial Services ( XXXX ), which has occurred across multiple lease agreements and continues despite prior disputes and documented payment deferments. 

This is the second time during my current lease that Toyota Financial Services has reported a late payment to the credit bureaus after I was formally approved for a payment deferment, signed the required documents, and was explicitly told by XXXX representatives that my account was in good standing. 

Each time, the same pattern occurs : 1. I request and am approved for a payment deferment through Toyota Financial Services. 
2. I sign the deferment documents and receive verbal confirmation from XXXX that everything is in good standing. 
3. Approximately two months later, Toyota Financial Services reports the account as late to the credit bureaus.

4. The funds I paid toward the deferment appear to disappear or are no longer reflected accurately on my account.

5. I contact Toyota Financial Services to dispute the error.

6. I am repeatedly told that : Representatives do not have access to call logs, There is no available supervisor, and The issue is being worked on, with no correction or follow-up.

This is not an isolated incident. The same issue occurred during a previous Toyota lease, where Toyota Financial Services acknowledged an error but stated it would take time to resolve. It has now been several years, and that issue was never fully corrected, yet the same conduct has occurred again. 

Despite multiple attempts to resolve this directly with Toyota Financial Services, the inaccurate reporting continues, and I am consistently denied escalation or meaningful assistance. I am effectively left without a remedy while my credit is damaged by reporting that does not reflect the true status of my account. 

This conduct raises serious concerns regarding : Failure to maintain accurate records Failure to properly implement approved deferments Failure to correct known reporting errors Failure to provide access to supervisory review Ongoing violations of fair credit reporting obligations

Company response to consumer: Closed with monetary relief