vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am filing this complaint regarding an unauthorized hard credit inquiry that was made by Bank Of America. I did not give this company permission to access my credit report, nor did I apply for credit, financing, or any other service with them. I discovered the hard inquiry while reviewing my credit report and was surprised to see that this company had accessed my credit without my knowledge or consent. I have no prior relationship or open account with this lender, and I did not sign any documents authorizing the release of my credit information. This unauthorized inquiry has negatively affected my credit score and created unnecessary concern regarding the security of my personal information. I believe this action violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires that a lender must have a permissible purpose and consumer authorization to access a 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 2025-11-04 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-04 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: ACIMA CREDIT, LLC
State: KY

Complaint narrative:
XXXX XXXX XXXX mentioned to me i could pay this off whenever and not have to overspend. I noticed it is 90 days only option and was not told what i was signing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: MS

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: MS

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

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 2025-11-04 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UMB FINANCIAL CORPORATION
State: NM

Complaint narrative:
I opened a 4 % Money Market account for my son with XXXX XXXX XXXX XXXX XXXX. After the merger with UMB, I was not notified nor consented to a downgraded account. My account was changed from earning 4 % to .001 %. When I attempted to correct this at my local branch, I was given the run around and nothing was actually done. The branch manager did admit they are unsure what is happening and they don't know UMB 's rules yet. Well the rule is you can not downgrade a customer 's interest bearing account without notification. I called in to the customer service line and was also told they are unsure what is happening. I closed my account due to the fraudalent activity and unscrupulous banking actions. This could be a class action lawsuit seeing as I am sure I am not the only interest bearing account holder to be downgraded, thus " saving '' or should I say stealing interest from their newly acquired customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against Wells Fargo regarding two unauthorized charges on my account.

# # # Transaction Details : 1. * * Transaction Date * * : XX/XX/year> - * * Merchant * * : XXXX XXXX - * * Amount * * : {$99.00} - * * Reference Number * * : XXXX 2. * * Transaction Date * * : XX/XX/year> - * * Merchant * * : XXXX XXXX - * * Amount * * : {$41.00} - * * Reference Number * * : XXXX # # # Issue : I was charged for an account by an individual named XXXX, not by XXXX XXXX, as I do not have any association with these charges. I spoke with a representative named XXXX at XXXX XXXX on XX/XX/year>, but she failed to resolve the issue.

# # # Impact : This situation has caused me significant frustration and financial inconvenience, as I believe these charges are unauthorized.

I request that the Consumer Financial Protection Bureau investigate this matter to ensure that Wells Fargo addresses the unauthorized charges and provides a resolution.

Thank you for your attention to this matter. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I deposited a check in my business account on XXXX XXXX for {$50000.00} and as of today not even a {$1.00} has been available! Federal law demands within 1 days {$220.00} be available and within 3 days at least {$5500.00} be available. Navy federal has no reason to put a 7 days hold on my check and they are violating federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
I am submitting this statement because I recently discovered multiple unauthorized credit inquiries on my credit report. I was in the market for purchasing a vehicle and allowed one dealership to review my credit for financing options. However, I later learned that my information was submitted to numerous lenders without my knowledge or explicit consent. As a result, there are now over 17 hard inquiries appearing on my credit report from various financial institutions and auto lenders. I did not authorize each of these inquiries individually, nor was I informed that my credit would be sent to multiple lenders for approval. These excessive and unauthorized inquiries have negatively impacted my credit score and were conducted without proper disclosure or consent. I am requesting that these inquiries be investigated and removed from my credit report if found to be unauthorized or improperly obtained. Please provide written confirmation once the investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am disputing an account reported by LVNV Funding LLC, serviced by Resurgent Capital Services, related to an alleged XXXX XXXX XXXX account ( Account # XXXX ). 

I mailed certified dispute and validation letters to LVNV/Resurgent on XX/XX/XXXX, and again on XX/XX/XXXX. Both letters were delivered ( see attached USPS proofs ). To date, I have not received any proper validation or documentationno chain of assignment, no signed agreement, and no itemized accounting to substantiate the alleged {$270.00} balance.

Despite failing to validate, LVNV/Resurgent continues furnishing duplicate and conflicting tradelines to the credit bureaus, including : The same account reported under multiple names ( LVNV FUNDING, LVNVFUNDG, and LVNV Funding LLC ) ; Inconsistent Dates of Last Activity ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) ; Contradictory statuses ( Open vs. Charge-Off ) ; Missing payment history while reporting Collection/Charge-off status.

This violates : FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishers from providing information they know or should know is inaccurate ; FCRA 623 ( b ) Requires a reasonable investigation after receiving notice of dispute ; FCRA 611 ( 15 U.S.C. 1681i ) Requires the credit bureaus to reinvestigate disputed items.

LVNV/Resurgent has failed to respond to my direct disputes and continues to report inaccurate, inconsistent information, causing harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: AL

Complaint narrative:
Dear Equifax, I am writing to formally dispute the following items on my credit report, as they contain inaccuracies and possible FCRA violations. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information being reported to credit bureaus. Below are the accounts that need to be reviewed for accuracy : 1. XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Information : Balance : {$26000.00} Account Status : Open Late Payment Status : Late over 120 days, with numerous 30, 60, and 90-day late payments FCRA Violations : 607 ( b ) : Inaccurate balance and payment history reported.

611 ( a ) ( 1 ) ( A ) : Requesting verification of the reported account status and payment history.

609 ( a ) ( 1 ) : Requesting the complete and accurate account history to verify this account 's reporting.

2. XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Information : Balance : {$0.00} Account Status : Closed Late Payment Status : Late over 120 days, with multiple 30, 60, and 90-day late payments FCRA Violations : 607 ( b ) : Misreporting of the account balance and status.

611 ( a ) ( 1 ) ( A ) : Requesting a full investigation into the accuracy of the account information.

605 ( a ) : Reporting negative information past the permitted period.

3. XXXXXXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Information : Account Status : Closed Late Payment Status : No data available, reported as " As Agreed '' FCRA Violations : 607 ( b ) : Incorrect reporting of account status and missing payment history.

611 ( a ) ( 1 ) ( A ) : Inaccurate reporting of the payment status and missing payment history.

Data Breach Concerns : Please investigate whether any of these accounts were affected by a data breach. Under the FCRA, if a data breach is found, the information should be corrected and reported accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This company XXXX had recently sent out advertisements to have customers look into their company. Signed up 9 days ago and just 2 days ago ( 7 days after opening a NEW account ) they send out an email stating they are ceasing business in the state of California and no longer going to operate. All my funds deposited between XXXX XXXX payments, ACH/Debit transactions, and debit card transactions Chase Bank does not want to help me recover my funds. XXXX ( chase customer care ) was extremely rude. I informed her I have the right under regulation E for bank to help me as a customer. She said it is not her issue and denied. Now I have money that is not being returned from a company that has ceases operations and should NEVER have even advertised in California just 7 days ago to cease now. All payments from XXXX XXXX XXXX XXXX  through XXXX XXXX, ach/debit, to a company called XXXX. Exremely unfair never authorized certain charges and company kept removing money from my account with out my permission in which i never received services from them and never expected them to cease business now in California. Ignoring my phone messages and emails and now I am trying to retrieve my money with them since no business with them. Very upsetting and disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: HI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-11-04 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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