vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: MA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a credit account opened at XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collection as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. This account has been fraudulently reinserted to my consumer credit report after having been deleted.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: OH

Complaint narrative:
I am submitting this complaint to request immediate compliance with my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. I am formally requesting that NCTUE : Provide a Full Consumer Disclosure Report This includes all information in my file, including archived, suppressed, and secondary database records, as well as the source and method of verification for each item reported. 

Provide Documentation of Original Contracts For each account listed on my file, I am requesting copies of any original, signed Master Promissory Notes or legally binding agreements from each furnisher. If such documentation can not be produced, the account must be deleted as unverifiable.

Remove Any Inaccurate, Duplicate, or Unverifiable Accounts NCTUE is obligated to ensure maximum possible accuracy under FCRA 602 ( A ) and to promptly delete any information that can not be verified under FCRA 1681i ( a ).

I am also placing NCTUE on legal notice that if this request is not fulfilled within a reasonable time, I will escalate this matter by filing complaints with the XXXX XXXX XXXX XXXX XXXX XXXX and the Federal Trade Commission ( FTC ).

This complaint seeks immediate compliance, transparency, and the lawful removal of any unverifiable or frivolous accounts from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PENTAGON FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I took out shares loan on XXXX for XXXX dollars. I ask the lady to transfer the money to my XXXX XXXX banking account. she said no you just make your payments and watch your balance grow. I did that for a year.the balance transfered from my loan balance to my shares balance .my social security retirement direct deposit made all the payments.so I needed the total loan balance in my shares balance. So I transfered XXXX from my XXXX XXXX account to penfed, as well I used XXXX from my penfed savings account XXXX so the lady said congrads. you paid off your loan. when I check my account the XXXX was gone the XXXX from XXXX XXXX was gone and the XXXX from my penfed account was gone. I ask the lady did she understand a shares loan .and please send me the defination of a shares loan all this is on recored phone calls at penfed.

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 2025-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accord Business Funding, LLC
State: AL

Complaint narrative:
I am filing this complaint regarding a commercial loan originated by XXXX XXXX for my business XXXXXXXX XXXX XXXXXXXX XXXX, which I personally guaranteed. After the business closed and I experienced significant financial hardship, XXXX XXXX referred the account to AMA Recovery Group for collections. 

Since XX/XX/year>, I have attempted in good faith to resolve the matter, including by : Promptly responding to emails from XXXX and AMA, Documenting my financial hardship, Offering a realistic lump-sum settlement, Asking for clarification about which party ( XXXX or AMA ) was authorized to negotiate, after receiving mixed and conflicting communication from both. 

Despite this, XXXX XXXX has : Threatened to report this commercial account to my personal credit as a charged-off account, Suggested I was at fault for delays, despite pausing communication themselves at several points, Refused to consider a lump-sum settlement, instead attempting to treat it as a down payment toward full balance repayment, Continued to apply pressure while ignoring my clearly documented hardship and willingness to resolve the matter. 

This loan is a commercial obligation, but their behavior is having direct impact on me personally, and their handling of the debt including the threat of reporting it under my personal credit file is misleading and potentially abusive. I am concerned that the collection agency ( AMA Recovery ) and XXXX XXXX are coordinating tactics that misrepresent the nature of the account and its reporting implications in order to pressure settlement on their terms. 

I am requesting the CFPB investigate the conduct of IOU Financial and AMA Recovery Group, including : Their threats to report this commercial loan to my personal credit, Their refusal to document a clear negotiating party, Their failure to acknowledge my hardship or engage in fair settlement negotiations. 

In addition, despite having multiple payment modification agreements, they are attempting to state the debt is significantly overdue, and at one point I was told by a representative that we did not need a formal agreement for modification.

I am also requesting that any attempts to report this debt to my personal credit be prohibited or reversed, and that XXXX and AMA be held to a standard of transparency and fairness in their collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Blockchain.com, Inc.

Complaint narrative:
Deposited XXXX in these amounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I then sold these for XXXX to convert into cash to take out and into my bank account. I sold them at XXXX on the XXXX XX/XX/year>. Then withdrew the funds to go to my bank account on the XXXX XXXX at XXXX I need this money to pay my mortgage and they havent gave any update in over XXXX days despite promising someone will reach out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had a brand new car leased through regional credit acceptance. The car was undrivable and they did not come get the car as promised to sell in an auction and l would pay the remaining balance instead the car got impounded and they want me to pay {$30000.00} for it

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 2025-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX I opened an account online with Citibank. I made deposit of {$50.00}. I wanted to use XXXX as back up bank and start using their services. I have XXXX bank for over 40 years and wanted another account. I kept waiting for my check card and checks. So I tried to go online and they required my acct numbers from both. Since I didnt get my numbers I called and and then they sent my card. Then I had to wait for checking acct numbers. I called numerous times. Then when I ordered my checks I had to pay XXXX for checks and they took it from the XXXX I put in. So I got the checks. Then I had wrote a check to me from my XXXX account for XXXX to start building the account. They closed my account after I put the money in there. They do not have a local branch to out money in acct. I did not even use my check card to make a purchase. I did nothing wrong. They refused to tell me anything. I felt I had been treated poorly and they had no logical reason to treat me like this. I want them to pay me for my checks and I want my {$1000.00} back and I will continue to file suit for discrimination. The mental anguish they put me thru has been horrible.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: OH

Complaint narrative:
I am submitting this complaint to request immediate compliance with my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. I am formally requesting that Lexis Nexis Consumer Relations : Provide a Full Consumer Disclosure Report This includes all information in my file, including archived, suppressed, and secondary database records, as well as the source and method of verification for each item reported. 

Provide Documentation of Original Contracts For each account listed on my file, I am requesting copies of any original, signed Master Promissory Notes or legally binding agreements from each furnisher. If such documentation can not be produced, the account must be deleted as unverifiable. 
Remove Any Inaccurate, Duplicate, or Unverifiable Accounts Lexis Nexis Consumer Relations is obligated to ensure maximum possible accuracy under FCRA 602 ( A ) and to promptly delete any information that can not be verified under FCRA 1681i ( a ).

I am also placing Lexis Nexis Consumer Relations on legal notice that if this request is not fulfilled within a reasonable time, I will escalate this matter by filing complaints with the XXXX XXXX XXXX XXXX XXXX XXXX and the Federal Trade Commission ( FTC ). 

This complaint seeks immediate compliance, transparency, and the lawful removal of any unverifiable or frivolous accounts from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: NV

Complaint narrative:
On XX/XX/XXXX my loan was due for {$370.00} and I usually transfer money to my bank before paying off a loan. When I tried to log into my account the website was glitching from XXXX to almost XXXX and I couldn't pay my loan. There's no info on the website explaining potential issues or if there was a cut off or maintenance. 
Now its XX/XX/XXXX at XXXX and the website is working fine. 
Now I'm being charged a late fee for {$25.00} when its not my fault that their website was malfunctioning, preventing me from resubmitting my payment. There's also no customer support on Sundays. Now imagine had it happened to many other customers and how much money they made off of other people?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing a formal complaint concerning XXXX collection accounts reported by LVNV Funding LLC on my credit reports. These tradelines reflect unverified, inaccurate, and potentially unlawful information, raising serious concerns under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite multiple dispute efforts, I have not received proper validation or supporting documentation. The accounts are being reported across XXXX XXXX, and XXXX without compliance with federal laws or Metro 2 guidelines. 

Accounts in Question : XXXX. LVNV Funding LLC XXXX XXXX Bank XXXX. 

Account Number : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$1400.00} Bureau Reporting : XXXX XXXX XXXX  XXXX. LVNV Funding LLC XXXX / XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$2900.00} Bureau Reporting : XXXX XXXX XXXX  XXXX. LVNV Funding LLC XXXX Bank XXXX XXXXXXXX. 

Account Number : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$400.00} Bureau Reporting : XXXX  Legal & Procedural Issues : XXXX. No Validated Documentation Provided LVNV Funding LLC has failed to furnish any of the following : Original signed contracts or credit applications Billing statements or payment history Itemized breakdown of the debt amounts This failure violates FCRA XXXX ( a ) ( XXXX ) and FDCPA XXXX ( b ). 

XXXX. No Chain of Assignment or Legal Proof of Debt Ownership I have received no documentation confirming the legal transfer of the debt from the original creditors to LVNV Funding LLC. Without this, they have no standing to collect or report. 

XXXX. Lack of Metro 2 Compliance None of the accounts reflect a consumer disputes this account notation, even though formal disputes have been submitted. This violates Metro 2 guidelines and may be considered misleading under FCRA XXXX ( b ). 

XXXX. Identity Theft / Data Breach Exposure The XXXX XXXXXXXX and XXXX accounts were reportedly opened during known massive data breaches, including : XXXX ( XX/XX/XXXX ) affecting tens of millions of consumers XXXX breach ( XX/XX/XXXX ) exposing hundreds of millions of records The XXXX account may be tied to earlier events such as the XXXX XXXX  breach or XXXX exposures. 

These timing overlaps raise serious concerns about the authenticity and origin of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: MS

Complaint narrative:
I am filing this complaint regarding a credit card account reported by Bank of America that is currently harming my credit profile due to inaccurate and misleading reporting. 

The account was opened on XX/XX/XXXX, with a {$500.00} credit limit. As of XX/XX/XXXX, Bank of America is reporting the account as charged off, with a balance of {$830.00}, and simultaneously showing that amount as past due. There are several serious issues with this : XXXX. Balance Exceeds Limit The account is reporting a balance 68 % over the credit limit ( {$830.00} on a {$500.00} limit ), without any explanation, breakdown, or justification. This raises concerns about the legitimacy of the fees or charges added post-default. 
XXXX. Duplicate Derogatory Status The account is marked both as charged off and past due. Once an account is charged off, it should not continue to accrue a past due status. Reporting both simultaneously results in duplicate damage to my credit profile and misrepresents the status of the debt. 
XXXX. Lack of Activity or Verification There is no record of recent payments, and Bank of America has not provided any detailed statements, usage logs, or verification to justify the amount they are reporting.

This type of reporting violates the Fair Credit Reporting Act, particularly : FCRA 1681e ( b ) : failure to report with maximum possible accuracy FCRA 1681i : failure to conduct proper reinvestigation upon dispute Despite previous disputes submitted to the credit bureaus, the inaccurate information remains. I am seeking CFPB assistance to investigate this tradeline and ensure Bank of America either corrects or deletes the account entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am requesting the description of rein investigation procedure according to 15 usc 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline please delete account charge off amount of XXXX with XXXX  XXXX. And all negative items in account

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 2025-08-03 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: PA

Complaint narrative:
I filed bankruptcy XXXX  XXXX on XX/XX/year>2023. Equifax is still showing late payments on my XXXX  account including a first late payment on XX/XX/scrub>, 2023 while stay was in place. They also show late payments for XXXX, XXXX and XX/XX/year>2023 which should not be there as my bankruptcy was discharged. I've disputed information and recieve letter from creditor that they are not reporting any late payments but equifax doesn't fis their reporting. These are violations of my bankruptcy protections. I want these reported payments removed. They have the bankruptcy documents in their possession. XXXX has been responsive but Equifax has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against TransUnion, Experian, and Equifax for continuing to report a " charge-off '' account from XXXX XXXX XXXX ( Account # : XXXX ) despite my formal dispute submitted over 30 days ago. 

This account is reported with : Status : Charge-off Balance : {$14000.00} Last Payment Date : XX/XX/year> Multiple charge-off ( CO ) and 120+ day late marks According to the Fair Credit Reporting Act ( FCRA ) : FCRA 1681i ( a ) ( 1 ) ( A ) requires deletion if the information can not be verified within 30 days.

FCRA 1681e ( b ) demands accuracy and completeness.

FCRA 1681i ( a ) ( 5 ) ( A ) mandates deletion of unverifiable data.

Despite following all procedures and timelines, this account remains on my credit file without validation. This is causing substantial harm to my creditworthiness. I request immediate deletion or certified verification of this account from all three credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
I am filing a complaint regarding my XXXX XXXX account XXXX Account # : XXXX ), reported by [ Experian / TransUnion XXXX Equifax ] . This account was closed or refinanced in XX/XX/year>, and my final payment was made on XX/XX/year>. 

However, the bureau is reporting a 30-day late payment in XXXX or XX/XX/year>, which is inaccurate, unverifiable, and occurred during the refinancing process. 

According to the Fair Credit Reporting Act : 1681e ( b ) : Credit bureaus must maintain maximum accuracy.

1681i ( a ) : They must verify disputed items with documentation.

1681i ( a ) ( 5 ) ( A ) : They must delete unverifiable or inaccurate data.

I have not received any documentation to support this derogatory notation. It is inconsistent with the account 's status and payment history. I request immediate removal of the 30-day late payment and correction of the account history.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding my XXXX XXXX account XXXX Account # : XXXX ), reported by [ Experian / TransUnion XXXX Equifax ] . This account was closed or refinanced in XX/XX/year>, and my final payment was made on XX/XX/year>. 

However, the bureau is reporting a 30-day late payment in XXXX or XX/XX/year>, which is inaccurate, unverifiable, and occurred during the refinancing process. 

According to the Fair Credit Reporting Act : 1681e ( b ) : Credit bureaus must maintain maximum accuracy.

1681i ( a ) : They must verify disputed items with documentation.

1681i ( a ) ( 5 ) ( A ) : They must delete unverifiable or inaccurate data.

I have not received any documentation to support this derogatory notation. It is inconsistent with the account 's status and payment history. I request immediate removal of the 30-day late payment and correction of the account history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief