vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Credit reporting or other personal consumer reports Credit reporting

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 2025-08-05 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: NC

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 2025-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
The vehicle was repossessed and sold more than XXXX years ago. This is hurting my credit score. Please remove it and tell the company to stop trying to contact me to collect a debt they already sold the car and got their money for, that's FRAUD.

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 2025-08-05 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-08-05 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 did not initiate these accounts, nor did I authorize their creation. Please act per USC 1681g and remove them from my credit report within XXXX days. Documentation is included.

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 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-05 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: PA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Sezzle Inc.
State: DE

Complaint narrative:
I have been trying to get sezzle the pay in four company to take my checking account off under the fair credit and reporting act. They emailed me back finally yesterday after trying to get this done sense XX/XX/XXXX. They sent me a email saying it was done yesterday then my account was charged again come to find out they didn't take my checking account off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
To Whom It May Concern : I am writing to file a formal complaint against Bank of America for its mishandling of a check deposit into my business account, which resulted in the unauthorized withdrawal of {$5500.00} and the banks subsequent refusal to accept responsibility or provide recourse. 

Background : On XX/XX/year>, I deposited a {$5500.00} check from a XXXX Bank account via mobile deposit into my Bank of America business account.

The check was successfully processed and cleared. 
On XX/XX/year>, Bank of America debited {$5500.00} from my account, referencing a " duplicate deposit. '' I was not provided sufficient details at the time. 
I contacted Bank of Americas Dispute and Fraud departments multiple times. I was told the check writer would need to file a claim with XXXX. 
The check writer and I jointly contacted XXXX, who confirmed that : o They only see one transaction ( to my account ). 
o No duplicate payment was made on their end. 
o Therefore, no claim could be filed with XXXX. 

After additional calls with Bank of America, I was finally informed ( on recorded calls ) that : The funds debited from my account were transferred to another Bank of America account held by someone named " XXXX. '' It now appears that XXXX likely obtained and deposited the original physical check, which I may have inadvertently misplaced or lost, and the bank processed both.

This indicates a case of stolen check fraud and duplicate presentment within Bank of Americas own systems.

However, Bank of America claims that the physical check overrode my mobile deposit and refuses to acknowledge its error or investigate further.

Regulatory Violations and Concerns : Under the Check 21 Act, Bank of America should have prevented this duplicate presentment. 
The bank has failed to detect or block a second deposit of the same check and has not exercised reasonable care in protecting my account. 
Their continued refusal to investigate or resolve the matter demonstrates a systemic failure in fraud handling and customer protection. 

I have made numerous attempts to resolve this directly with the bank for over two weeks, including recorded phone calls, branch visits, and a formal internal complaint filed. Despite these efforts, no resolution has been offered.

I respectfully request that the CFPB investigate this matter, assist in compelling Bank of America to : Conduct a full investigation, Refund the {$5500.00} to my account immediately, And take corrective actions to prevent future failures of this kind. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ( XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year> I downloaded the app " FindMyPhoneFamilyLocator '' because of their advertisement " 7 DAY FREE TRIAL. '' After several attempts to use the phone locator, I had been unsuccesful due to the lack of instructions and cancelled the service and uninstalled the XXXX '' app minutes later. 

I noticed I was charged on four separate occasions through PayPal, on XX/XX/year>, two unauthorized charges of {$4.00} and {$9.00} through, again on XX/XX/year> a separate charge of {$39.00} then again on XX/XX/year> I was charged again for {$49.00} through PayPal. 

Once I had discovered these transactions, I opened a case through PayPal, and I was refunded three of the four unauthorized transactions. PayPal concluded that the last charge to my account of {$49.00} was authorized. With clear evidence of the first three transactions being unauthorized, PayPal with no evidence, agrees and has concluded that the {$49.00} transaction was in favor to the seller and was authorized and declines a refund. 

I could not retain an opt out notice from XXXX to provide proof of evidence to PayPal because I was never sent one. XXXX has a practice and pattern of these business tactics with a large number of consumers downloading the same app according to their reviews.. 

Transactions are listed as " XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-08-05 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: TX

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-08-05 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: PA

Complaint narrative:
I have recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me.

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, This letter is being sent in response to one or more notices or listings on my credit report regarding accounts you claim I owe. I am requesting validation of each alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

For each account you claim is associated with me, please provide : The original creditors name, address, and account number.

A copy of the original signed agreement or contract showing my responsibility for the debt.

A complete payment history, including all charges and fees, explaining how the amount claimed was calculated.

Documentation that you are legally authorized to collect this debt in my state.

The date of last payment or activity on the account.

Until you provide all of the above for each account, you must cease all collection activities, including reporting these debts to credit bureaus. If any account has already been reported, you are required to notify the credit reporting agencies to mark it as disputed and remove it if it can not be verified.

Be advised, this letter is not an acknowledgment of any debt, nor a promise to pay. It is a request for validation pursuant to federal law. 

Please respond within 30 days from your receipt of this letter. If you can not provide the requested documentation, I expect these matters to be closed and any related credit reporting to be deleted.

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 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I previously disputed a debt that Midland Credit Management is reporting. In response, they claimed to have mailed a validation notice on XX/XX/year>. However, they provided no proof that I received the letter only that it was not returned as undeliverable. This does not satisfy proper validation or notification under the law. 

I specifically requested full documentation to verify the accuracy and legal ownership of the debt. Midland failed to provide any of the following : A signed contract or agreement from the original creditor A full, itemized payment history Original billing statements showing how the balance was calculated Proof of legal assignment or chain of title Midlands response included only a generic summary from the debt seller, which does not meet the requirements of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) or 1681i. They are furnishing incomplete and potentially inaccurate information to the credit reporting agencies without sufficient documentation.

I am requesting that this account be removed from my credit reports until full verification is provided, or that the CFPB take regulatory action for failure to comply with FCRA standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account is not mine, that is fraud I have never had a credit card with an amount of $ XXXX, I am a victim of identity theft, I never got notices of a credit card alert, payment invoices nothing at all. I have no knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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 2025-08-05 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: FL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-05 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: FL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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