vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
I have a XXXX branded Bank of America credit card. When I noticed the card was misplaced, I notified Bank of America immediately and we locked the account. At the same time, I disputed several charges on the account, totaling nearly {$7000.00} that were not made nor authorized by me. I filed a police report and after conducting my own investigation, I provided to the police and the bank the name of the person who stole and used the card fraudulently, along with surveillance video and photo proof of the suspect provided by a merchant where the card was used fraudulently. I also gave names and contact information of several witnesses. Bank of America could easily have investigated the matter using the information I provided, in good faith to prove someone else made those charges, and it was not me. They have not produced any proof that I authorized the disputed charges. They simply denied my fraud claim and refused to refund my money. They have yet to inform me of a legitimate reason as to why. The only " reason '' they stated is that they denied the claim and will not refund my money because they mailed statements to my address and I paid the balance. However, according to both XXXX and Bank of America, my account is subject to " XXXX liability '' fraud protection. As XXXX 's policies states, " our guarantee that you won't be held responsible for unauthorized charges made with your account or account information. '' and they are not abiding by the terms of my card agreement or their own policies and have yet to provide me with a legitimate reason. There is nothing in our agreement or in any of their stated policies that state that paying my bill voids my fraud protection. The account is set up to be auto-paid in full monthly. This occurred before I even had a chance to notice the unauthorized charges. As soon as I was aware of the unauthorized charges, I notified Bank of America immediately and disputed the charges. This was well within the 60 day time limit they require for disputed charges. I did everything that was required of me according to the card agreement and their policies, but Bank of America will not abide by their own policies and the terms of my card agreement. 

I was not careless with the card. It was used at a club, a merchant, and their employee stole the card and used it without my authorization.

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 2025-11-12 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: GA

Complaint narrative:
This account was fully paid, yet it continues to display late payment notations.

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 2025-11-12 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: OH

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute an unauthorized inquiry that appears on my Experian credit report. Pursuant to the Fair Credit Reporting Act ( FCRA 1681b ), credit reporting agencies may only include inquiries that are made for a permissible purpose such as an application for credit, insurance, employment, or with my explicit written authorization. 
The inquiry in question is listed as follows : XXXX XXXX XXXXXX/XX/year> I did not apply for credit, authorize, or provide any consent for this inquiry. Since I did not initiate or approve this request, it does not meet any of the permissible purposes allowed under the FCRA. Therefore, it is inaccurate and should not appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
We submitted a Request for Mortgage Assistance ( RMA ) that SPS received on XX/XX/year>. SPS responded by letter dated XX/XX/year> stating only that the account was " ineligible for one or more resolution options. '' That letter did not : - State whether the application was complete or incomplete ; - Provide the specific reasons for ineligibility, investor guidelines, or calculations relied upon ; or - Offer any appeal opportunity. 



Because our complete RMA was received more than 37 days before the scheduled foreclosure sale, proceeding with the sale would violate 12 CFR 1024.41 ( g ) ( dual-tracking prohibition ). 


Today we mailed a formal Notice of Error and Request for Information via certified mail to SPS at its RESPA address ( XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX ). 



Accordingly, we request that all foreclosure activity, including the XX/XX/year>XXXX  sale, be immediately postponed pending full review and response to that notice. 
Please confirm in writing that the sale has been suspended while SPS resolves this servicing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
I am submitting this complaint to formally dispute the accuracy of XXXX collection accounts listed on my credit report, specifically those reported under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$1000.00XXXX XXXX XXXX and XXXX XXXX XXXX XXXX with a balance of {$3000.00}. Upon reviewing my file, I believe that these accounts do not accurately reflect my financial obligations, and I respectfully request a thorough investigation into these entries. 
In accordance with the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate and complete. As a consumer, I am entitled to ensure that my credit report is a true and accurate reflection of my financial history. Under FCRA 607 ( b ), it is required that any information that is not accurate or verifiable be removed. I ask that you verify these accounts with the original creditors. If the accounts can not be substantiated, they must be removed from my credit report.two inquiries listed on my credit report, specifically those reported under XXXXXXXX XXXX XXXXXXXX on XX/XX/year> and XXXX XXXX on XX/XX/year>. Upon reviewing my file, I believe that these inquiries do not accurately reflect my financial activities, and I respectfully request a thorough investigation into these entries.In accordance with the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate and complete. As a consumer, I am entitled to ensure that my credit report is a true and accurate reflection of my financial history. Under FCRA 607 ( b ), it is required that any information that is not accurate or verifiable be removed. I ask that you verify these inquiries with the reporting parties. If the inquiries can not be substantiated, they must be removed from my credit report. 
Additionally, FCRA 611 ( a ) ( 1 ) grants consumers the right to have disputed information investigated.

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 2025-11-12 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: FL

Complaint narrative:
I am submitting to formally dispute several inaccurate items appearing on my credit report. This letter is submitted under my rights provided by the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], which grants consumers the right to dispute incomplete, inaccurate, or unverifiable information. 
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 XXXXXX/XX/XXXX Upon reviewing my credit report, I discovered multiple inaccuracies related to personal information, a collection account, and an unauthorized inquiry. These errors do not accurately reflect my personal or financial history and have caused unnecessary concern and potential harm to my creditworthiness. I am requesting a full investigation and correction of the following inaccuracies.

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 2025-11-12 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: FL

Complaint narrative:
I am submitting to formally dispute several inaccurate items appearing on my credit report. This letter is submitted under my rights provided by the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], which grants consumers the right to dispute incomplete, inaccurate, or unverifiable information. 
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 XXXXXX/XX/XXXX Upon reviewing my credit report, I discovered multiple inaccuracies related to personal information, a collection account, and an unauthorized inquiry. These errors do not accurately reflect my personal or financial history and have caused unnecessary concern and potential harm to my creditworthiness. I am requesting a full investigation and correction of the following inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: PA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), credit information must be completely accurate and truthful. Unfortunately, the accounts listed in my report are not, and this has deeply affected my life and my familys well-being. Because of these reporting errors, weve faced financial setbacks, constant stress, and emotional exhaustion. Weve missed out on opportunities for better housing and fair credit, and its been a struggle to recover from the damage caused by these mistakes. The impact has been lasting and painful, and Im asking for these inaccurate accounts to be thoroughly reviewed and permanently removed so that my record finally reflects the truth.

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 2025-11-12 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 am writing to request the removal of fraudulent accounts from my credit report. I am a victim of a data breach and identity theft. Kindly block and delete these accounts within 4 business days as required by FCRA 605B 15 USC 1681c2.

1. XXXX -- Account No. XXXX 2. XXXX XXXX XXXX XXXX XXXX  XXXX -- Account No.XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
I am writing to request the removal of fraudulent accounts from my credit report. I am a victim of a data breach and identity theft. Kindly block and delete these accounts within 4 business days as required by FCRA 605B 15 USC 1681c2.

1. XXXX -- Account No. XXXX 2. XXXX XXXX XXXX XXXX XXXX  XXXX -- Account No.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 2025-11-12 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: MN

Complaint narrative:
Complaint Summary Unauthorized Hard Inquiries ( TransUnion ) My TransUnion credit report shows XXXX unauthorized hard inquiries, all dated XX/XX/year>, from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Appeal via XXXX Appeal, and XXXX XXXX XXXX. 

I never applied for credit with these companies, and the inquiries were made without my consent. On XX/XX/year>, I submitted a dispute to TransUnion under the Fair Credit Reporting Act ( FCRA ) requesting an investigation and removal. Despite providing documentation, the inquiries remain on my report, and TransUnion has not confirmed any resolution. 

I am requesting the CFPBs assistance to ensure TransUnion investigates and deletes these unauthorized inquiries in compliance with the FCRA.

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 2025-11-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
I am submitting this formal complaint against Mazda Financial Services ( Toyota Motor Credit Corporation ) for violations of consumer protection law, XXXX rights, and financial transparency. The conduct described below has caused direct harm to my XXXX household and obstructed our ability to recover property causing distraught harm to an autistic child. We understand our financial obligations and exercise our legal rights. 


Summary of Violations : XXXX. Americans with XXXX XXXX ( XXXX ) Violation o Vehicle was reprocessed from a handicap-designated space and had a valid placard, in a gated residential community o Contained disability-related equipment essential to my autistic sons therapy o No accommodation or recovery access provided XXXX. Breach of Peace o Vehicle was towed at XXXX XXXX, ( XXXX, XXXX XXXX ), from a secured, gated area without notice or documentation o No court order or certification presented o Repossession agents refused to assist or identify themselves 3. Denial of Due Process and Right to Cure o Lease had ended ; we were making monthly rental payments o No written notice of repossession or opportunity to cure was provided o No option to purchase the vehicle was offered although it was stated in the lease contract. We are being forced to buy the vehicle in full if we want it back.

o We were told to email or mail a response after being hung up on several times, but no contact information was provided 4. Retaliation for Exercising Legal Rights o XXXX representatives refused to speak with us unless we waived our right to record the call o Nevada law ( XXXX XXXX ) permits one-party consent o Their refusal to communicate constitutes retaliation and forfeits equitable enforcement XXXX. Failure to XXXX XXXX XXXX XXXX Requested IRS Form 1099-C or 1099-A ; Mazda promised to email it but never did o Requested to speak to a supervisor for documentation and they refused our request.

6. Emotional and Financial Harm o We are a one-car household o Loss of vehicle disrupted medical care and therapy for XXXX family members o XXXX XXXX XXXX documented emotional distress in our autistic child

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
FTC Identity Theft Report Reference XXXX XXXX XXXXXXXX I am filing this complaint concerning the wrongful reinsertion of fraudulent accounts on my credit reports after a verified identity theft investigation and removal. These accounts were previously deleted and later re-reported without proper certification or written notice, which violates the Fair Credit Reporting Act ( FCRA )XXXX XXXX XXXX  Accounts Wrongfully Reinserted XXXX XXXX XXXX  - Spring Oaks Capital LLC {$1500.00} ( Opened XX/XX/XXXX ) - Spring Oaks Capital LLC {$2600.00} ( Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX  {$680.00} ( Opened XX/XX/XXXX ) - XXXX XXXX XXXX XXXX {$6500.00} ( Opened XX/XX/XXXX ) These items were blocked following my FTC Identity Theft Report submission and must remain permanently removed. The credit reporting agencies failure to notify me within five business days of reinsertion violates * * FCRA 611 ( a ) ( 5 ) ( B ) * *. Their failure to continue blocking these fraudulent accounts after receiving an official identity theft report further violates * * FCRA 605B ( 15 U.S.C. 1681c-2 ) * *. * * Requested Resolution : * * 1. Permanent deletion and blocking of the fraudulent accounts listed above from all consumer credit files. 2. Written confirmation of removal and details of how and when these items were reinserted. 3. Review and enforcement action ensuring the credit bureaus compliance with FCRA reinsertion requirements. I have attached copies of my FTC Identity Theft Report, photo identification, proof of address, and the dispute letters I sent to XXXX XXXX XXXX XXXX XXXX XXXX 
Thank you for your attention to this serious matter. I look forward to confirmation of compliance and removal of these inaccurate records from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a follow-up complaint regarding Transunion XXXX continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under XXXX U.S.C. XXXX ( a ). 
Under FACTA Title XXXX, Section XXXX, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, XXXX U.S.C. XXXX of the XXXX imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at XXXX U.S.C. XXXX et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-11-12 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: CT

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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