vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I experienced financial hardship due to a layoff, which made it difficult to keep up with my Bank of America credit card payments. During this time, I reached out multiple times seeking assistance to avoid delinquency and protect my credit. Unfortunately, the representatives I spoke with were unhelpful and dismissive. Within a week, my account was closed without warning.

When I contacted Bank of America for clarification, I was transferred to an international representative who informed me that the bank has the right to close accounts at its discretion. While I understand that policy, the timing and lack of support felt punitive and discriminatory, especially given that I was proactively seeking solutions.

If the decision was made to close my account, I believe it is unfair to continue accruing interest on a balance I no longer had the opportunity to manage. I did not request the account closure, and after over 22 years as a loyal customer, this experience has been both disappointing and disheartening.

I am requesting that the interest charges applied after the account closure be removed and that I be allowed to pay the balance as it stood at the time Bank of America decided to sever the relationship.

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 2025-07-28 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: CO

Complaint narrative:
I am disputing multiple unauthorized inquiries on my credit report. These inquiries were made without my consent and have negatively impacted my credit standing and score. 

Despite prior assurances from your agency that they would be removed, these entries remain. This ongoing inaction is unacceptable. 

These potentially fraudulent inquiries raise concerns about identity theft and are causing both financial and emotional distress.

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 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Driveway Finance Corporation
State: CA

Complaint narrative:
SUMMARY Driveway Finance Corporation ( DFC ) is servicing my auto loan in a manner that violates federal consumer-protection statutes. 
Key facts : DFC permanently XXXX my credentials for its official online-payment portal, leaving me with no safe or equivalent alternative. The lockout occurred XXXX hours after I made a {$100.00} test payment ( see bank proof ). 
XXXX written and verbal requests for a qualified interpreter ignored from XXXX to XXXX. 
All follow-up e-mails receive only template replies after XXXX days ; substantive issues ignored. 
XXXX DFC issued a frivolous dispute letter addressing only missing payments, ignoring language-access and payment-access violations. 
XX/XX/year> DFC investigator XXXX phoned ( with interpreter ) solely to request vehicle location for repossession, despite the account being formally disputed and flagged disputed at all credit bureaus. 

VIOLATIONS Title VI Civil Rights Act & EO 13166 denial of meaningful access to LEP consumer. 
FCRA 611 failure to conduct a reasonable reinvestigation of my dispute.

FDCPA 806-808 unfair practice : blocking payment channels, coercive repossession attempt during an open dispute.

UDAAP ( 12 U.S.C. 5531 ) unfair and deceptive servicing conduct. 


I would love to continue doing my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00}

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 2025-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} 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 2025-07-28 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: CO

Complaint narrative:
I want to make it absolutely clear that this complaint is not being submitted in error. My credit report contains multiple inaccuracies that fail to meet the legally mandated standard of maximum possible accuracy. These errors are not only unacceptable but are also causing significant and ongoing harm to my financial standing and overall well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I never did business with SW CRDT SYS RE : You violated The United States Code Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to

subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. USC 1681b Permissible purpose of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and states.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I am filing a formal complaint against LVNV Funding LLC and its servicer Resurgent Capital Services for unlawful credit reporting and debt collection practices. This alleged debtreferencing XXXX XXXX  Delaware, and all the other accounts under my name and ssnwas placed for collection without proper validation or legal basis. 

Despite repeated demands, they have failed to provide a signed contract, itemized account history, chain of title, or XXXX XXXX XXXX. Instead, they continue to report unverifiable and outdated information to XXXX XXXX XXXX XXXX showing a balance marked as seriously past due, which violates both the FDCPA and FCRA. 

XXXX has XXXX documented pattern of furnishing data that fails XXXX XXXX XXXX guidelines, including : reporting open or past due statuses on collection accounts, balance inconsistencies vs high credit, incomplete or contradictory data across bureaus, failure to properly mark accounts as disputed under FCRA XXXX ( a ) ( XXXX ). 

Their continued reporting of this unverified account violates FCRA XXXX ( b ), XXXX ( b ), and FDCPA XXXX ( b ). No XXXX was issued, and there is no legal proof that XXXX owns XXXX has rights to enforce or collect this debt in my state. They are not licensed or registered with the Massachusetts XXXX XXXX Banks, which is required under XXXX. c. XXXX XXXX. 

XXXX XXXX XXXX patterns previously cited in federal litigation, including Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, et al., where the CFPB determined similar debt buyers used false or unsubstantiated data to pressure consumers. 

This is not a valid or legally collectible debt. It is causing ongoing harm to my credit profile. Their failure to provide the method of verification or cure these violations is a direct violation of XXXX XXXX. XXXX ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ACCOUNTS XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6700.00} XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened XXXX XXXXXX/XX/XXXX, Balance : {$1800.00} XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-28 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: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I am refiling this formal complaint regarding the continued inaccurate reporting of the APPLE CARD/GS BANK USA account ( Account Number : XXXX ). Despite prior disputes, the credit bureaus have failed to correct or properly investigate the errors associated with this tradeline. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the information reported is accurate, complete, and verifiable. The current reporting of this account fails to meet these legal standards. 

Specifically, Goldman Sachs is reporting this account as a charged-off debt without providing an itemized monthly payment history, which is a material omission and constitutes an incomplete report under FCRA 607 ( b ). Additionally, no formal notice of charge-off was ever issued to me, violating FCRA 623 ( a ) ( 7 ), which mandates that consumers receive written notification of a charge-off within 30 days. These failures indicate that the account is being reported without adequate investigation, verification, or documentation, which undermines the accuracy and integrity of the information furnished to my credit file.

Under FCRA 611 ( a ) ( 5 ), I am requesting the immediate deletion of this account from my credit report due to its unverifiable and incomplete nature. If you choose to verify this tradeline, you are required to provide a detailed reinvestigation report, including the source of verification, itemized payment history, and a copy of the charge-off notification from Goldman Sachs , as stipulated under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). Failure to comply will result in me escalating this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and seeking remedies for willful non-compliance under FCRA 616.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-28 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: OH

Complaint narrative:
I recently discovered that my personal information was sold without my knowledge or consent. This includes sensitive data such as my name, contact details, and potentially financial or identifying records. I did not authorize the release or sale of this information to any third party. The unauthorized distribution of my personal data constitutes a serious breach of my privacy and has exposed me to potential identity theft, financial fraud, and other risks. I am actively taking steps to secure my information, monitor my credit, and pursue any necessary legal or corrective actions to address the impact of this violation.

My personal information, including my name and identifying details, was compromised in a data breach. As a result, unauthorized activity has occurred that negatively impacted my credit. I have since taken steps to address the situation, including placing fraud alerts and monitoring my credit reports. I am actively working to resolve any discrepancies and mitigate further damage caused by this breach.

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 2025-07-28 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: OH

Complaint narrative:
I recently discovered that my personal information was sold without my knowledge or consent. This includes sensitive data such as my name, contact details, and potentially financial or identifying records. I did not authorize the release or sale of this information to any third party. The unauthorized distribution of my personal data constitutes a serious breach of my privacy and has exposed me to potential identity theft, financial fraud, and other risks. I am actively taking steps to secure my information, monitor my credit, and pursue any necessary legal or corrective actions to address the impact of this violation.

My personal information, including my name and identifying details, was compromised in a data breach. As a result, unauthorized activity has occurred that negatively impacted my credit. I have since taken steps to address the situation, including placing fraud alerts and monitoring my credit reports. I am actively working to resolve any discrepancies and mitigate further damage caused by this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX : Dispute of inaccurate Collection Account-Request for Manual review under FCRA RE : Acct : XXXX XXXX am formally disputing the accuracy and validity of a collection account listed on my credit report. 
Pursuant to my rights under the Fair Credit reporting Act ( XXXX XXXX XXXX ). I request a manual investigation of this item. Due to the potential legal violations involved, this matter is not appropriate for automated handling via e-OSCAR. 
Account Dipsute ; Transworld Systems Inc : ACCT XXXX XXXX {$2000.00} ACCT XXXX XXXXXXXX {$660.00} Date reported XX/XX/year>, identity theft and no validation, breach I have enclosed copies of supporting documentation proving this is inaccurate or unverifiable. 
Under the FCRA I request : Manual verification of this collection with full documentation. 
Proof of original contract or signed agreement showing liability. 
A complete chain of custody of the account.

Details of how the balance was calculated.

A written response within 30 calendar days with your findings and updated credit report.

If the collector can not verify the account, or if the original creditor longer authorizes reporting, it must be deleted immediately under FCRA Section 611.

Failure to respond may result informal complaints, CFPB, FTC and State Attorney generals office.

Thank you for the prompt attention to this matter. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation