vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MN

Complaint narrative:
I owe XXXX XXXX around {$500.00}. True accord just sent me a collections for {$49000.00}. For two reason this debt is invalid. 1, there no legal way that the debt jumped that high within under two months. 2, this can not be a legitimate attempt to collect on the debt so I will not pay any amount to this fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I am submitting this complaint regarding ongoing and unresolved issues with Infiniti Financial Services ( XXXX ) related to making online payments for my vehicle lease. These issues have persisted for over a year and have caused significant inconvenience, unnecessary fees, and financial stress. 

The first issue occurred back in XX/XX/year> when Infiniti denied me access of paying my loan payment online. I was not even sent a notice or even a call of why this had occurred. When I called Infiniti, they claimed that my payment was declined by my bank, XXXX  XXXX XXXX, which was not accurate. Despite providing documentation proving that my bank account was in good standing and capable of processing payments, Infiniti restricted my ability to make payments through their online portal. Instead, I was required to call a third-party vendor, Paymentus, to process my paymentseach time incurring an additional {$3.00} transaction fee. 

I escalated the matter to Infinitis management and provided supporting documentation, but no one took corrective action. I was informed that I would need to make six consecutive payments over the phone before they would unfreeze my account to resume online payments. These calls regularly took over XXXX minutes, creating an unnecessary burden. 

Most recently, XX/XX/XXXX, when attempting to make my payment online again, I was informed by the website that their system was down. When I went to call and reach a live representative, an automated message indicated that their online paying service was down and the only available payment option was via phone through XXXX. I was also told that the {$3.00} convenience fee could not be waived, even though the system failure was entirely on Infinitis side. 

These repeated issues suggest a pattern of poor system management and unfair practices that force customers to incur additional fees due to no fault of their own. I am requesting the CFPBs assistance in investigating Infiniti Financial Services payment practices and ensuring that customers like myself are not penalized or charged extra fees because of ongoing technical and administrative failures beyond our control. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: U.S. Auto Credit Corporation
State: SC

Complaint narrative:
I never agreed to co sign with this person on the account. My information was gave to another company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: PA

Complaint narrative:
It is very upsetting that inaccurate late payments are still listed on my credit report, and I can not figure out why they have not been removed. I truly need this matter to be resolved immediately, and I ask that the documents I provided be examined thoroughly so I can finally stop stressing about this.

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 2025-11-03 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: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to Transworld Consumer Reporting Agencies by way of identity theft, New York Penal Law 190.79 and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: Paypal Holdings, Inc

Complaint narrative:
I closed my XXXX  account because I dont have a US phone number. I got money in the account and got an email about it, but I cant contact support and the chatbot doesnt work. They dont contact via email. 

I just want to send the money to my bank or to a friends venmo account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: NJ

Complaint narrative:
I started school in XXXX of XXXX at XXXX XXXX XXXX. I have been taking courses consistently up until now and will finish XX/XX/XXXX. In the beginning of this year I received a notice that my student loans were back in repayment and when I contacted my school they told me the student loan provider would update this issue. From XXXX until now I have gone back and forth between the school and EdFinancial getting told it would be corrected in XXXX when the new semester starts or once I submitted all information. I submitted all they ask for and was told they still couldn't correct this issue. This has left me with a dropped credit score of over XXXX points and unable to continue applications for things that required a credit check. This delay also caused my reporting to go to 90 days passed due because I was told to wait and it would be fixed only for it not to be fixed. Now i am back in deferment for the current semester but they refuse to fix for last semester. I've disputed with all 3 credit unions and multiple disputes with EdFiniancial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
I deposited a check for {$8700.00} on XX/XX/XXXX, into my Truist Bank account. Truist placed a hold on the check immediately after depositing it stating that total deposits subject to hold in the amount of {$8700.00} and {$8400.00} was the total amount of funds withheld. This notice stated that {$6400.00} would be available on XX/XX/XXXX and {$2000.00} would be available on XX/XX/XXXX. On XX/XX/XXXX I received a notice stating the total amount of {$8700.00} was being held until XX/XX/XXXX and the reason for the hold was We have confidential information that indicates the check may be returned and may require an additional review. 

I contacted the issuing bank on XX/XX/XXXX, and they confirmed the check was fully cleared and honored on XX/XX/XXXX, with no stop payment or return pending. Despite this, Truist continues to hold my funds without providing a specific factual reason. Truist saying we have confidential information the check may be returned the same day they already collected the funds free and clear from the issuing bank is preposterous. 

To me this appears to violate Regulation CC ( 12 CFR 229.13 ( h ) ), which requires banks to have reasonable cause to doubt collectability and to disclose the basis and expected availability date for any extended hold. The notification of the extended hold was sent to me after they already collected the funds free and clear. 

I am requesting that Truist immediately release the deposit in the full amount of {$8700.00} Thank you! 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: SC

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: AL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXXis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year> I deposited {$1400.00} into my checking account at a Bank of America ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I checked my account shortly after and did not see that the funds were there. I contacted Bank of America, and they stated there was no record of my deposit. I submitted a claim, and they advised it would take up to 45 calendar days to receive a resolution to the claim.

They advised they would issue a credit until the investigation is completed however, they have not done so either.

I have rent that needs to be paid My vehicle is at point of repossession due to my insurance being expired, along with the payment of the vehicle. 
I have furniture payment that is due as well and being told I will have to surrender my furniture if payment is not made. 
I am at risk of losing things, because I deposited my entire paycheck that Bank of America can not find. And was to be used to pay my bills, and now me and my children are without.

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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened the Chase Sapphire Preferred when there was no annual fee. I am now being charge an annual fee with no notice of being charged. I called Chase to discuss the fact that I am an XXXX XXXX military spouse and per the SCRA, I am not to be charged a fee. They said they would review my account, but will not hold or reverse the {$95.00} fee and can take up to 30 business days. The woman on the phone was able to tell me right then and there that she sees my husband is XXXX XXXX military and I was able to provide my marriage certificate immediately. Yet they are saying up to 30 days and now I have this charge on my account which could earn interest on it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am disputing the following account on my Experian credit report. I believe the information to be incorrect or inaccurately reported : CHARGED OFF ACCOUNT Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/year> 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 explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. for the continued publication and verification of a bankruptcy record and an incorrect personal address that have been proven unverifiable and unlawfully maintained in my consumer credit file.

Despite multiple written disputes and the submission of factual evidence, Experian has failed to remove the following unverified data : Bankruptcy Record : Case No. XXXX XXXX XXXXXXXX Incorrect Address : XXXX XXXX XXXX, XXXX, GA XXXX XXXX. Bankruptcy Record Case No. XXXX Experian continues to report this bankruptcy after both Equifax and TransUnion permanently deleted the same entry for lack of verification. 
Written statements from XXXX XXXX XXXX XXXXXXXX XXXX XXXX confirm they never furnished or verified any such case. 
Additionally, XXXX has admitted it merely scraped the record from XXXX, which is a public database that does not authenticate consumer identity or Social Security information.

Under the Fair Credit Reporting Act, Experians reporting of this unverified and expired bankruptcy violates : 607 ( b ) Duty to maintain maximum possible accuracy 611 ( a ) Failure to reinvestigate disputed data 623 ( b ) Failure of furnishers to verify accuracy before reporting This also breaches Metro 2 reporting standards, which require verification directly from the original furnisher before publication. 
Experians continued verification of this unconfirmed bankruptcy constitutes willful noncompliance and reckless disregard for accuracy obligations under 1681n.

2. Incorrect Address XXXX XXXX XXXX, XXXX, GA XXXX Experian continues to report this outdated and unverifiable address even after multiple furnishers denied association with it and after the same data was deleted by XXXX XXXX XXXX 
No valid documentation or data source has been produced to confirm this information, violating FCRA 607 ( b ) and 611 ( a ).

Because the address does not connect to my personal history, its continued publication exposes me to identity confusion and potential fraud risk, further violating Metro 2 personal identification field compliance.

Additional Legal Violations : FCRA 607 ( b ) Failure to assure maximum possible accuracy. 

FCRA 611 ( a ) Failure to reinvestigate and delete unverifiable data within 30 days.

FCRA 623 ( b ) Furnishing data without lawful verification.

FCRA 1681b Lack of permissible purpose for continued verification of an unproven bankruptcy.

FCRA 1681n Willful noncompliance resulting in ongoing harm.

Experians continued reporting despite clear evidence of unverifiability constitutes willful disregard for my consumer rights and creates measurable financial harm through inaccurate data presentation.

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 2025-11-03 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: EQUIFAX, INC.
State: TX

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 2025-11-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint because [ Experian / Equifax XXXX TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in Sessa v. TransUnion, LLC ( 2023 ), the court held inaccuracies must be corrected whether factual or legal ; in Kirtz ( 2024 ), the Supreme Court reaffirmed broad FCRA liability ; and in Norman v. TransUnion ( 2023 ), TransUnion paid {$23.00} million after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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