vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I was planning to buy a house. My friend asked me how much cash I had and offered to exchange it for a check. I exchanged {$10000.00} for a {$10000.00} check. In XX/XX/XXXX, my friend reminded me that XXXX had argued with the person who wrote the check and told me to be careful with the money in my account. I assumed the money had already been credited and didn't pay much attention. Then, in XX/XX/XXXX, I discovered that {$10000.00} had been transferred out of my bank account. I called and found out it was the check my friend had cashed. They were claiming the money was fraudulent and wanted it back. I called Bank of America, hoping they could help me, considering the check had been posted for over a year and I still had the original check. I sent them the original check and the conversation between my friend and me about exchanging the check, hoping they could help resolve the issue as much as possible. I kept calling to inquire about the progress, but they always gave me the cold shoulder, saying it would take 60-90 business days. It wasn't until XX/XX/XXXX, that I received an email saying my bank balance was less than {$100.00}. I called to inquire and learned it was due to the check. I had to pay for it. When I asked why, they didn't give me a reasonable or convincing reason. They simply said it was the result of their investigation. They wouldn't help me further and told me to negotiate with the person to see if they were willing to return the money. That was impossible!

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 2025-08-16 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX  days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXXXXXX XXXX XXXX  Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$8800.00} Account name XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXXXXXX  Balance {$15000.00} Account name XXXX XXXX  Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$25000.00} Account name XXXXXXXX XXXX XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXXXXXX  Balance {$50000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Formal Complaint : Improper Bankruptcy Reporting Verified Through XXXX Instead of Court To the Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX, and I am submitting this complaint regarding the improper reporting of a bankruptcy appearing on my credit reports with Experian, Equifax, and TransUnion. 

I have already disputed this item with all three credit bureaus. However, each bureau responded that the bankruptcy was verified through XXXX. This practice is inaccurate and unlawful. XXXX is not the originating source of public record information. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), the credit reporting agencies are required to conduct a reasonable reinvestigation and verify disputed information with the original source the bankruptcy court itself not a third-party vendor. * I contacted the bankruptcy court directly, and they confirmed that they do not report bankruptcies to the credit bureaus. Therefore, the bureaus can not legally validate the accuracy of this bankruptcy by relying solely on a third-party database. By doing so, they are violating their obligations under the FCRA to ensure maximum possible accuracy ( 1681e ( b ) ) and to properly reinvestigate disputed information ( 1681i ).

This false reporting is causing ongoing harm to my financial stability and personal life. This unverifiable bankruptcy is preventing me from securing fair opportunities and moving forward.

I respectfully request that the CFPB : 1. Investigate Experian, Equifax, and TransUnion for their improper reliance on XXXX rather than the bankruptcy court. 
XXXX. XXXX immediate deletion of this bankruptcy from all of my credit reports, as it can not be verified through the proper legal source. 
XXXX. Require credit bureaus to cease using third-party vendors to verify public record information in place of direct confirmation from the actual reporting entity. 

This matter is both unfair and unlawful under the FCRA, and I ask for your urgent attention to correct it. Thank you for ensuring that consumer protection laws are enforced and that individuals are not harmed by inaccurate reporting practices. 

Sincerely XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MA

Complaint narrative:
I am filing a complaint regarding inaccurate late payments reported by XXXX XXXX XXXX XXXX to TransUnion/ Equifax/Experian on my credit report. I dispute the accuracy of these late payments and request full verification. 

I am requesting a copy of the payment history ledger or internal records from XXXX XXXX XXXX XXXX showing how these late payments were verified before being reported to TransUnion. I need to know how they proved these payments were late using their internal records.

Under the Fair Credit Reporting Act ( 15 USC 1681i ), I have the right to dispute inaccurate or unverifiable information on my credit report. Additionally, under 15 USC 1681s-2, creditors are required to provide accurate information and correct errors they discover. Reporting late payments without proper documentation violates these provisions. 

If XXXX XXXX XXXX XXXX can not provide the requested verification, they are legally obligated to delete these late payment entries from my credit reports.

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 2025-08-16 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: PA

Complaint narrative:
I am filing a complaint against Equifax, TransUnion and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Inaccuracies include :1 collection with General, 1 collection with XXXX XXXX XXXX XXXX This collection was unable to be verified and was taken off of my Experian Credit report. Then put back on all the agencies after it was supposed to be cleared off of my TransUnion. This debt is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I wanted to inform you that I've recently faced a data breach that has compromised my personal information. This incident has caused me significant worry regarding the security of my sensitive data. Due to the breach, there are now fraudulent accounts and debts associated with my name. I would appreciate it if you could consider this when examining my credit report and take appropriate actions to correct any inaccuracies or fraudulent entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
This is a formal complaint against XXXX XXXX XXXXXXXX for violating the Fair Debt Collection Practices Act ( FDCPA ) by failing to validate an alleged debt and continuing to report inaccurate information to credit bureaus. 
On XX/XX/year>, I sent a formal dispute letter to Experian concerning an account from XXXX XXXX XXXXXXXX ( Account No. XXXX ), with an original creditor of XXXX  XXXXXXXX XXXX XXXX. On the same day, I sent a formal Debt Validation Demand to XXXX XXXX XXXXXXXX. 
To ensure proper delivery, a second validation letter was sent via Certified Mail to XXXX XXXX XXXXXXXX on XX/XX/year>, with XXXX tracking number [ XXXX ]. This letter was delivered on the same day. 
On XX/XX/year>, Experian updated my credit report, stating they had reviewed my dispute. However, the account was not deleted. On the same day, I received a letter from XXXX XXXX XXXXXXXX that failed to provide any legal validation of the debt. Instead, it simply restated the same unverified information, including a continuous " C '' status, which was a key point in my dispute. 
XXXX XXXX XXXXXXXX has failed to provide the requested validation within the XXXX period. This is a direct violation of the FDCPA. Their continued reporting of this unverified debt is causing me financial harm. 
I am demanding thaXXXX XXXX XXXX XXXXXXXX immediately delete this account from all three credit bureaus ( XXXX XXXX XXXX XXXX XXXX. I will pursue further legal action, including an FDCPA lawsuit, if this matter is not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Transunion, and Experian continue to report an account listed as XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX as a charge off but this is incorrect. Any account where the creditor terminates the consumer credit account any remaining balance from the finance charge must be returned to the consumer. XXXX XXXX also wrote this account off as a loss which means they had to file a 1099 with the IRS so this account is considered income and income can not be reported on a consumer report. I will give the credit bureaus an opportunity to delete this trade line before I escalate the matter to small claims court.

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 2025-08-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation
State: KY

Complaint narrative:
Complainant : Name : XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX, KY XXXX Financial Company : OneMain Financial Loan Type : Auto Loan Loan Balance : {$12000.00} Monthly Payment : {$320.00} Complaint Details : On XX/XX/XXXX, I purchased a XXXX XXXX XXXX  for {$12000.00} through XXXX XXXX XXXX and XXXX in XXXX, KY. The vehicle was financed by OneMain Financial. I made a {$1500.00} down payment. 

From day one, the vehicle had serious overheating problems and was undriveable for long periods. I returned it to the dealer three times for the same issue within weeks of purchase. The dealer kept the car for weeks, failed to fix it, and eventually gave me {$500.00} back from my down payment ( which I believe is an admission of wrongdoing ). 



OneMain Financials Own Written Statement Confirms the Facts : In a letter to me, OneMain Financial acknowledged that : 1. The overheating issue began immediately after purchase.

2. I returned the vehicle to the dealer multiple times for repairs.

3. The engine became inoperable within weeks.

4. The dealer failed to cooperate or resolve the issue despite direct contact from OneMain. 



Why I Am Filing This Complaint : OneMain Financial knowingly continues to hold me responsible for a {$12000.00} loan ( plus full-coverage insurance ) for a car that is unsafe, unreliable, and defective from the start as their own records prove. Despite their acknowledgment, they refuse to cancel the loan, restructure it, or offer any resolution. 



Requested Resolution : Loan cancellation or immediate release from the auto loan. 
Refund of any payments made after I reported the defect to OneMain. 
Investigation into OneMains role in financing a clearly fraudulent sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
Please see CFPB CASE XXXX IT IS CLOSED WITHOUT Proper and truthful SOLUTION. 

I received a letter from XXXX XXXX at First National Bank. This case is now closed however, the companies feedback is not factual. 

If they actually look into my account to see who logged into my account on XX/XX/XXXX, which caused the statement fee to be incurred, it was not me. 

I linked this account to my investment brokerage. 
I never requested a paper statement on that day. Their system must have an automatic default ( and unethical system failure. ) The system will clearly prove that the system automatically defaulted my account to paper. 

I never physically requested a paper statement, and it is my belief that their system uses this default to create a situation where consumers do not know that the option is getting changed, and therefore the bank is making revenue on something that the consumer did not opt to have. 

Their system is creating an unethical situation where fees are getting generated unknown to the consumer. If a consumer is linking their account to another brokerage or wirehouse, how was it that their programming automatically flips the switch to generate paper statement request? 

I ask that the company provides proof to you, CFPB, showing where me the person logged in and changed the request for paper statements. 
I never did. 

This is an unethical revenue generating scheme by this bank to prey upon their customers in the day of technology. 

Linking a bank to a brokerage should never change the settings of an account. 
They have a failure in their system that must be evaluated!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MI

Complaint narrative:
The debt collector is attempting to collect rental debt that I am not legally responsible for. Under Michigan law ( MCL XXXX ), victims of XXXX XXXXXXXX can not be held liable for lease obligations if they provide proper notice and documentation. I gave written notice and court-issued proof of the XXXX XXXXXXXX incident that occurred at the residence that led to my lease break. Despite this, the collector ( XXXX XXXX ) reported the account to credit bureaus and continues collection activity. I requested validation of the debt, but the company has failed to provide documentation proving I am legally responsible. My court document and state law clearly release me from this obligation. I am requesting that the CFPB ensure this collection activity and credit reporting stop immediately and that this account is removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I was a victim of identity theft. Someone has opened several accounts without my permission and authority, using them as if they were my own. During this time, they continued to use these credit cards without impunity, as if they were me, and continued to use them for several years, it seems. They managed to do this for several years until the accounts were maxed out and unpaid. This has completely destroyed my credit profile. I am unable to open or acquire any new credit due to this heinous crime.

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 2025-08-16 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I purchased a SMIRLY Wood Cutting Boards XXXX set with holder for {$76.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) using my XXXX card ending in XXXX. XXXX XXXX : XXXX. 

I initiated a return through XXXX shortly after receiving the item. The return was shipped via XXXX under tracking number XXXX, with the destination being XXXX XXXX XXXXXXXX XXXX facility. 

XXXX confirmed delivery on XX/XX/year>, at XXXX PM in XXXX XXXXXXXX XXXX Despite this, XXXX has not issued the refund. According to XXXX return policy, refunds are processed once the returned item is received. I provided proof of delivery, but no refund has been applied.

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 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I brought a XXXX XXXX with my Chase dabit card and it was failed to be delivered to me. The merchant and carrier said it was been placed into a locker but the locker system have no records of that. Also my management team and front desk said they have not signed any package for me. I am trying to claim that transaction with Chase and provide all documents which support it to them but they consist it was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief