vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: MD

Complaint narrative:
Due to unauthorized activity stemming from a data breach, fraudulent accounts now appear on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Closed my account .. Did disputes I said were already settled.took money out of my account {$560.00} {$1300.00} XXXX payment unable to pay rent facing eviction charged me for disputes I told them that was settled charged me for a clock {$180.00} I never got.paid a car detailing place that did a horrible job which I had to have towed to XXXX because all the oil leaked out.cost me almost {$500.00} to repair treated me like I did something wrong. Very rude offered me no information and locked me out of my account. I couldnt even see what was going on. Still dont know

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: CO

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 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 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 XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-06-06 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: TN

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$710.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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 am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
So on XX/XX/2025, Bank of America closed my checking, savings, and two other credit card accounts without any reason. And I had my hard-earned money in my account, which I can not access to withdraw. 

When I contacted the bank, they didn't provide me with a reason for why it was closed without my notice, and I have been their customer for over 10 years. They keep telling me that they have shipped my cashier 's check for the money that was in my savings account, but I haven't received anything. 

Now they are asking me to wait for 120 days to access my funds or check. Meanwhile, they have been charging late fees on the credit cards I have with them. 

As a customer, I have the right to access my funds, but I have been struggling for the last four weeks with no response or support from Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: CA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I asked equifax to provide information on how they got the information and a copy of my consent to obtain the 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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I asked equifax to provide information on how they got the information and a copy of my consent to obtain the 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 2025-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I am being pursued by Transworld Systems Inc. for a {$610.00} medical debt that I am not legally responsible for. The charge stems from a routine preventive servicethe XXXX XXXX XXXX  vaccineadministered on XX/XX/year>, by XXXX XXXX XXXX. I was XXXX XXXX XXXX and covered under an ACA-compliant XXXX health plan XXXX Preventive vaccines are federally required to be fully covered with no cost-sharing when administered by in-network providers. 

The providers billing department reported that they attempted to submit the claim on XX/XX/year>, but it was rejected due to a date of birth mismatcheven though they already had my correct state-issued ID on file. After I followed up, the provider eventually resubmitted the claim, but it was beyond the timely filing deadline and they failed to include proof of timely filing, which is required by XXXX. XXXX denied the claim under denial code XXXX, which states : Claim not submitted on time. In-network health care professionals can't bill the patient. Send proof of timely filing to address on ID card. 

Despite this, the provider billed me and referred the balance to Transworld Systems Inc. I contacted XXXX directly and was told that I am not responsible and that the provider had been instructed to retract the referral to collections. My call reference numbers are : XXXX ( XXXX ) XXXX ( XXXX ) XXXX also processed another claim from XXXX for the same date of service, which was approved and paidproving that my coverage was active and valid at the time. The providers failure to submit the claim correctly and in a timely manner is the sole reason for the denial. 

The providers billing office later sent me an email shifting blame to me for not responding quickly. While I acknowledge that I didnt follow up immediately, I was unaware of the billing issue until I received a collections notice. Regardless, the delay in correcting the claim, the absence of required documentation, and the inappropriate billing of a federally protected preventive service are all provider errors, not patient responsibility. 

I am requesting that Transworld Systems Inc. immediately cease all collection activity, delete any reporting related to this account, and confirm closure of this matter. Supporting documentation is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: CA

Complaint narrative:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I wanted to receive my XXXX benefits for being XXXX XXXX. Given I am an XXXX XXXX service member under the XXXX  I shouldnt be charged more than 6 % by federal law. The credit card company has not been helpful with providing me the guidance to achieve this goal of lowering my monthly interest rate with reimbursement that I have paid in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
My name on the card issued by Citi is incorrect, and it does not match what was on my application. My suffix " XXXX '' was omitted from the card. Citi Customer Service attempted to tell me the onus was on me to complete a form to " changed my name '', which is ridiculous since my application contained my legal suffix. I offered to upload or email a copy of my license, but was rebuffed because Citi claims federal law requires me to complete their form and postal mail it back.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting incorrect and outdated personal information on my credit report. My legal name is XXXX XXXX, yet Equifax shows a former name XXXX XXXX, which I do not recognize or authorize. Furthermore, Equifax lists my current address as XXXX XXXX XXXX, XXXX, XXXX  XXXX and a previous address as XXXX XXXX XXXX, XXXX, XXXX  XXXX, whereas my only and current correct address is XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

This inaccurate reporting is likely the result of errors stemming from data breaches or improper data handling. Under 15 U.S.C. 1681i, Equifax is legally required to conduct a prompt and reasonable investigation into such disputes and correct or delete any inaccurate information. Failure to do so constitutes a violation of federal law and has significant negative consequences for my credit profile and personal information integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding Acima Credit and their misleading lease-purchase agreement practices, which I believe are deceptive and harmful to consumers. 

This reporting is : Factually inaccurate, as no portion of the debt was forgiven Misleading, implying a charge-off or settlement when the lease was fully paid Harmful, as it negatively affects my ability to qualify for housing, credit, and lending I have contacted Acima to request correction, but they have failed to take appropriate action. 

On XX/XX/XXXX, I entered into a lease agreement with Acima for merchandise valued at {$3200.00} plus tax. At the time, I was led to believe that the purchase included a 90-day no-interest purchase option, similar to what other retailers such as XXXX XXXX XXXX offerwhere payments made within 90 days would apply directly to the items principal. 

However, I later discovered that this was not the case. After the 90-day period, Acimas lease terms caused the total cost to increase dramatically, with lease charges and fees that were not clearly explained or disclosed during the purchase process. By the time I realized thison XX/XX/XXXX, XXXX had already incurred substantial charges. 

Acima set up automatic withdrawals of {$350.00} from my checking account every two weeks. I worked diligently to fulfill the agreement and ultimately paid a total of {$5600.00}, including a final negotiated payment of {$700.00} to close the account on XX/XX/XXXX. This amount is nearly double the original merchandise valueand it could have been significantly more had I not contacted Acima to stop the automatic payments and negotiate directly. 

Despite paying in full under Acimas terms, they reported the account to the credit bureaus as Legally paid in full for less than the full balance and included multiple late payment notations, damaging my credit and misrepresenting the nature of the agreement. 

I believe this experience reflects a pattern of deceptive business practices that can mislead other consumers into financially harmful agreements. I respectfully ask your office to investigate Acima Credits leasing model, advertising, and credit reporting behavior. 

Attached to this complaint are : A copy of the lease transaction history Payment confirmations Screenshots of the credit report entry Evidence of the full amount paid Thank you for your attention to this matter and for protecting consumers from predatory and misleading financial products. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: TN

Complaint narrative:
I recently suffered a data breach, and as a result, fraudulent accounts have been reported under my name. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
Dear CFPB Officer, I am filing this formal complaint against Acima Credit ( Acima Holdings, LLC ) for willful violations of federal bankruptcy protections, harassment, and false legal threats, in connection with a lease-to-own account. 

On XX/XX/year>, I filed for XXXX  XXXX bankruptcy in the XXXX XXXX XXXX Michigan Bankruptcy XXXX, Case Number XXXX. Acima Credit was listed as a creditor and received proper notification through the court. 

Despite this, Acima or its agents engaged in the following illegal and unethical conduct : Contacted my employer, family members, and friends, in violation of the automatic stay and consumer privacy laws. 

Falsely accused me of defrauding a financial institution, with no supporting evidence or court documentation. 

Claimed their actions were initiated by " XXXX XXXX processors, '' who never served any legal documents and instead made threatening calls to third parties.

Continued these actions after I confirmed my identity with a representative from Acima.

These actions violate : 11 U.S.C. 362 Automatic Stay under the Bankruptcy Code The Fair Debt Collection Practices Act ( FDCPA ), if applicable The Michigan Collection Practices Act ( MCL XXXX ) State privacy laws and civil protections from harassment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: IL

Complaint narrative:
I am a victim of identity theft I was robbed for my purse and car

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