vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America debit card was used for fraudulent activity for a total of {$5100.00} on various dates from XXXX XXXX XX/XX/XXXX on the platform Coinbase. I do not have an account with this company nor have I ever engaged in business with them. I reported this fraudulent activity to Bank of America on XX/XX/XXXX and my claim was denied on XX/XX/XXXX. In speaking to a BoA claims representative, I was informed that my claim was denied because I approved a security alert phone call on XX/XX/XXXX at XXXX PM ( EST ), however I did not receive any calls, texts or app alerts from BoA on that day and did not approve any transactions. I fear that my phone number may have been cloned or my BoA online account hacked. I was recently prompted to change my BoA account password which may have been due to a security breach. I asked Bank of America to reopen the claim and send me a copy of the documents used to make the original decision of denial. I was told these documents would be emailed to me and they have not been. I also requested a copy of the recording of the authorization phone call which was declined. I have sent them a police report and my phone records via fax indicating no contact from Bank of America on XX/XX/XXXX. I have requested a link to upload these files faster and that has also not been provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
The XXXX account in question is being reported on my credit report as 100 % paid off with a {$0.00} balance, and the balance update was reported in XX/XX/year>. However, Jefferson Capital is now attempting to collect {$2000.00} and sent me a letter dated late 2025 claiming that this amount is still owed. Their letter also states that no payments or credits were ever made toward the debt, even though the original creditor reports the account as fully paid and closed. 
The information between the original creditor ( Affirm ) and the debt buyer ( Jefferson Capital ) does not match. XXXX shows the account as paid and resolved, while Jefferson Capital claims a balance is still owed. These conflicting balances, dates, and statuses indicate that the account information is inaccurate and unverifiable. 
I disputed the debt with Jefferson Capital and requested validation, and I also disputed the account with the credit bureaus. I am filing this complaint because Jefferson Capital is attempting to collect a debt that my credit report shows as already fully paid, and the reporting between the two companies is inconsistent. I am requesting a full investigation and correction, including deletion of any inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/XXXX, I overnighted XXXX cashiers checks to Synchrony Bank at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. The package was sent via XXXX Express Mail, tracking number XXXX, and was delivered on XX/XX/XXXX at XXXX XXXX  and signed for by XXXX. 

XXXX of the checks was for my * XXXX account ending in XXXX, Check # XXXX, in the amount of {$6700.00}. The other two checks were for Synchrony accounts as well. Synchrony applied the other two payments promptly, but they have refused to apply the XXXX cashiers check. 

My payment due date is XXXX, and this payoff should have been applied no later than XX/XX/XXXX, just like the other two checks that were sent in the same envelope. I should not be required to make another payment, nor should I be charged any interest or fees, because the funds were delivered well in advance and by all reasonable timelines should have been processed. 

I have contacted Synchrony Bank ( including the XXXX credit division ) multiple times by phone and chat. During one call, I was told to fax proof of the payment, which I did, and I have a receipt confirming the fax was sent successfully. Despite providing documentation and proof of delivery, the XXXX account payment has still not been applied. 

I am requesting that Synchrony/XXXX  locate and apply the cashiers check, correct my account balance, ensure no late fees or interest are charged, and provide confirmation that the payment has been properly credited.

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 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd
State: TX

Complaint narrative:
The Wise ( formerly XXXX ) has closed both my business and personal accounts without any explanation, and they have no attention to return my money. They require the customer to appeal in order to get money back. I should NOT even have to appeal to get my money back, XXXX doing this not just to get my money fully returned, also I want CFPB to tell them its against the law to keep customers money. I have already submitted an appeal as they required, but again, they do NOT have the right to keep my money and force me to appeal for the return of my money. Plus, they said I will receive a response within XXXX business days, which is more than a month, and still not guaranteed to receive the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: AZ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents XXXX  submitted so that I wont have to worry about this problem again.

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 2025-11-28 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: FL

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau XXXX CFPB ) * * From : * * VW CREDIT INC * * Regarding : * * VW CREDIT INC XXXX Account no : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Complaint : * * I am disputing the way VW CREDIT INC is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : XXXX. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and XXXX. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ). 

Both notices are mandatory, and the furnisher must provide them to me in writing. 

* * Details of the Issue : * * - The account in question is a credit card issued by VW CREDIT INC- The account reported positively for a period of time. 

- After I became delinquent, VW CREDIT INC charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. 

- I never received an Adverse Action Notice. 

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. 

- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. 

* * What I Am Requesting : * * XXXX. Provide proof that both required notices were mailed to me, and provide actual copies. 

XXXX. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing. 

* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished. 

- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB. 

- Written confirmation that proof is provided or deletion of the charge-off occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
I am disputing an inaccurate late payment reported by XXXX to Equifax on my Installment sales contract, account XXXXXXXX XXXX XXXX XXXX XXXX for the XX/XX/XXXX. This report is incorrect and has negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. Additionally, case law such as XXXX XXXX XXXX XXXX University ( XXXX ) and XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XXXX XXXX XXXX ) ( XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, XXXX, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX suddenly shut down and provided no information on how to continue making payments. Their website and payment system stopped working overnight, and no instructions were given to customers. 

After the shutdown, my loan was transferred to XXXX XXXX, but XXXX did NOT send : A Right-to-Cure letter Updated payment instructions Monthly billing A Notice of Intent to Repossess Because I was not given proper notice required under South Carolina XXXX, I had no way to make payments, and the repossession was not valid. 

XXXX is also reporting late payments, a repossession, and a charge-off inaccurate information on my credit report, even though I was denied the required notices. 

I am requesting : Removal of late payments Removal of the repossession and charge-off Correction or deletion of the entire tradeline Refund or forgiveness of any deficiency balance This situation was caused by XXXX XXXX  XXXX sudden shutdown, not by consumer negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: MA

Complaint narrative:
That on XX/XX/year> while reviewing my Experian Consumer Report I noticed seven ( 7 ) accounts and nine ( 9 ) hard inquiries that I did not authorize and are the result of identity theft and fraud. The fraudulent accounts showing with these names and dates consist of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX. The fraudulent unauthorized hard inquiries showing these names and dates inquired on consist of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I've attached a list of the hard inquiries in question as well as a copy of the Experian consumer credit report maintained by them which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections or hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by them were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud. Also attached are eight ( 8 ) document files in compliance with the block request.

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 2025-11-28 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AR

Complaint narrative:
I am formally disputing information on my XXXX  credit file pursuant to 15 U.S.C. 1681i, 1681e ( b ), and 1681s-2.

My personal information was compromised. Any negative or unfamiliar accounts shared between bureaus may contain altered, corrupted, or inaccurate data.

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 2025-11-28 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 LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future

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 2025-11-28 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: NV

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future

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 2025-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: FL

Complaint narrative:
This is a follow-up to CFPB XXXX # XXXX. Selene Finance responded on XX/XX/year> ( attached ), claiming they wired my {$6900.00} escrow surplus to Shellpoint on XX/XX/year> ( Transfer Ref : XXXX ; XXXX  Ref : XXXX ). As instructed by them, I reached out to XXXX and provided this EXACT info to XXXX CONFIRMED no funds received or found ( email attached with their response ). XXXX is providing FALSE/INACCURATE/INCOMPLETE information, violating RESPA by failing to XXXX my dispute accurately. Funds STILL missing XXXX days post-promise, causing ongoing hardship : my escrow balance is now negative, i have a shortage. 

Also, it seems Selene is not taking in consideration that XXXX transferred them a total of {$7500.00} to reconcile their escrow activity during their servicing period, pls see bellow ( also attaching official letter ) for the exact wording. This total of {$7500.00} breaks down as follows : XXXX. Taxes - {$2400.00} 2. Flood Insurance- {$980.00} XXXX. Disbursement - {$6900.00} XXXX. Payments towards XXXX  + {$2800.00} So they received an extra {$980.00} that they should not have received. Selene needs to refund me {$6900.00}, which they had claimed they had wired, but the funds are still missing and {$980.00}, STILL PENDING FOR THEM TO SEND ME. 

" Consequently, a disbursement of {$7500.00} was made from the XXXX escrow account to Selene to reconcile the escrow activity during Selenes servicing period. A copy of the Selene loan history is enclosed with this correspondence for your reference ''

Company response to consumer: Closed with explanation