vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened a Bank of America Account on XXXX  and the account was opened successfully with a confirmation number/I was able to log into the mobile website.

I updated all my direct deposit information from my workplace to this new account.

I had trouble logging into the account on XXXX and called the help desk line. I was informed that the account was closed by the representative. 

I did not receive any notification on why my account was closed except that they couldn't perform some verification. I never received any notification on my account was to closed or was to closed. 

My direct deposit was sent to this account and now it will be delayed over the holidays.

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: GA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint against MOHELA regarding inaccurate credit reporting, servicing errors, and borrower confusion related to my federal student loans during an approved consolidation period. 

At all relevant times, my federal student loans were approved for consolidation. MOHELA services my loans ; however, I later discovered that my loans were being reported under two separate MOHELA-serviced accountsone associated with the Department of Education and another associated with XXXX. I reasonably believed these accounts represented the same consolidated obligation, as both were serviced by MOHELA. 

During this time, I was actively making payments on what I understood to be my MOHELA-serviced Department of Education loans . I believed these payments covered my full student loan obligation. I was not aware that MOHELA was treating these as separate accounts for servicing and credit reporting purposes. 

As a result of this confusioncombined with the approved consolidation processingMOHELA reported late or missed payments on one of the MOHELA-serviced accounts, despite my good-faith efforts to remain current and my ongoing payments to MOHELA. These late payment reports were not the result of willful non-payment, but rather servicing fragmentation, lack of clear disclosure, and administrative delays. 

MOHELAs reporting caused a significant and unjustified drop in my credit score from fair to poor and does not accurately reflect my payment intent or overall account status. I was never informed in a clear or timely manner that payments needed to be made separately on what appeared to be duplicative MOHELA accounts during consolidation. 

I am requesting that the CFPB investigate this matter and require MOHELA to : * Correct or remove all inaccurate late payment notations reported during the consolidation and servicing transition period * Ensure my loans are reported as current and in good standing * Review servicing and disclosure practices related to multiple MOHELA-serviced accounts to prevent borrower confusion * Confirm that payments made in good faith were properly credited and considered during credit reporting I have attached documentation supporting my consolidation approval, payment history, and credit report entries reflecting the disputed late payments. 

Thank you for your attention to this matter and for assisting in the resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XXXX, XX/XX/XXXX, and XX/XX/XXXX, close to {$1000.00} was taken from my account by someone using an XXXX account. Truist bank will not do anything to help me resolve this matter.

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I initially discussed a settlement on my Express/Comenity account, but I later decided to pay the full balance. 
I paid the full balance of {$930.00} in total, which is confirmed by my bank statements. 
Despite paying the full amount, the account has been reported as settled or paid for less than the full balance, which is inaccurate. 
I contacted the company to request correction, but the information has not been properly corrected. 
I am requesting that the account be accurately reported as PAID IN FULL or removed due to inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: NY

Complaint narrative:
I am disputing multiple inaccuracies on my TransUnion credit report. TransUnion has failed to ensure that the information being reported is accurate, complete, and legally verifiable, as required under the Fair Credit Reporting Act. 

Charged-Off Accounts DEPTEDXXXX Account No. XXXX Opened XX/XX/year> Balance {$1100.00} DEPTEDXXXX  Account No. XXXX Opened XX/XX/year> Balance {$1500.00} These accounts are outdated and appear to be inaccurately maintained across credit bureaus. If TransUnion can not provide documentation proving accuracy, legal standing, and correct reporting timelines, these accounts must be deleted immediately. 

Late Payment Reporting XXXX Account No. XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account No. XXXX XXXXXXXX XXXX XXXXXXXX Account No. XXXX XXXXXXXX XXXX XXXXXXXX Account No. XXXX These late payments are inaccurate and improperly reported. TransUnion must either fully substantiate these late payment claims or remove them without delay.

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 2025-12-28 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: DE

Complaint narrative:
I am filing this complaint because TransUnion continues to report inaccurate and unverifiable information on my credit report. This violates the Fair Credit Reporting Acts requirement for maximum possible accuracy. 

Charged-Off Account XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} This account is being reported as charged off with a XXXX balance, which is misleading and inaccurate. TransUnion has failed to provide proper verification. 

Unauthorized / Unverifiable Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquiries, and no documentation showing permissible purpose has been provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-12-28 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: CO

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts 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 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 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

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 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/year>, Bank of America withdrew {$3200.00} from my checking account without my authorization and applied it to a business credit card balance. I did not authorize this transaction, did not provide contemporaneous consent, and did not receive advance notice before the funds were taken. 

On XX/XX/year>, Bank of America sent a written Setoff Notification stating that the funds had already been removed and applied to the credit card. The bank referenced a generic account agreement but did not provide any signed agreement or specific clause authorizing cross-account setoff from my checking account to this credit card. 

This is not an isolated incident. I previously filed CFPB complaint number XXXX regarding an earlier unauthorized withdrawal of {$5000.00} from my deposit account. Despite that complaint, Bank of America again removed funds without authorization, demonstrating a pattern of improper setoff activity. 

I requested written proof of authorization for this withdrawal, including the specific contractual authority permitting the transfer, but the bank did not provide it. I dispute the legality of this transaction and request return of the funds, proof of contractual authority, and confirmation that no further unauthorized withdrawals will occur.

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 2025-12-28 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: FL

Complaint narrative:
I am submitting this complaint because there are inaccurate or unverifiable items being reported by the three major credit bureaus. I am requesting a full investigation and correction/removal of these items as required under the Fair Credit Reporting Act ( FCRA ). 



Charged-Off Accounts in Dispute XXXX  XXXX Account No : XXXX Date : XX/XX/XXXXXXXX  Reported Balance : {$0.00} This account is being reported as charged off with a {$0.00} balance. Please verify the accuracy of this reporting and provide full documentation showing the original charge-off amount, date, and any subsequent updates or sale/transfer details. If the debt was sold or settled, the account should reflect a XXXX balance and paid/closed status. 

XXXX XXXX XXXX  Account No : XXXX Date : XX/XX/XXXXXXXX  Reported Balance : {$0.00} Please investigate whether this charge-off is being reported accurately. I request verification of the original balance, last payment date, and any proof of ownership by the current furnisher. 

XXXX XXXX XXXX XXXX Account No : XXXX Date : XX/XX/XXXXXXXX  Reported Balance : {$9300.00} I do not recognize this account, and I request validation of all records related to this account, including signed application, payment history, and date of first delinquency. 

Late Payment in Dispute XXXX  Account XXXX : XXXX I request verification of the reported late payment. If no evidence of actual delinquency ( such as billing and payment history ) exists, this late mark should be removed. 

Previous Address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX Please remove this outdated address as it is no longer associated with my current residence.

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
It is past the statue of limitations to collect on that debt and needs to be immediately deleted from all credit reports, including, but not limited to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I previously had XXXX XXXX service for my phone and smartwatch. I paid off my phone and transferred it to XXXX XXXX, but I continued my smartwatch line with XXXX and intended to keep paying it normally. 



When I attempted to make my monthly payment for the smartwatch line, XXXX informed me that they could not locate my account or the watch line in their system. I was told there was no active account under my name and that there was nothing to bill. I requested billing records and account information, but XXXX could not provide anything because they stated the account did not exist. Because XXXX failed to maintain or locate my account, I was unable to make any payment even though I attempted to do so. 



Despite XXXX being unable to locate, bill, or provide information on the account, the account was later sent to Transworld Systems for collections in the amount of approximately {$340.00}. I never refused to pay XXXX prevented me from paying due to their system error. 



This collection account is inaccurate and unfairly damaging to me. I am requesting that XXXX recall the debt from Transworld Systems, stop all collection activity, and remove any negative credit reporting because the debt is invalid and was created by XXXX failure to maintain my account. 



Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: VW Credit
State: TX

Complaint narrative:
I have a car loan with XXXX XXXX and have had it for XXXX years with a XXXX year note. I have not been late over XXXX days on this loan but 4 days after the payment is due, they will repeatedly call me from XXXX until XXXX requesting payment. This goes on daily until the payment is made. I reached out to the company itself and they stated it was the financial side and not them. They said I should talk to them. XXXX XXXX XXXX What occurred after that was a letter from them threatening to demand payment in full for the loan. I have continued to make monthly payments under XXXX days but the calls are relentless. I am currently unemployed but still make my payments in less than XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this complaint as a consumer who is actively reviewing my credit reports for accuracy. After carefully examining my credit files, I have identified multiple unauthorized, inaccurate, and/or unverified inquiries and late payment entries that are being reported inconsistently across the credit bureaus. These items are negatively impacting my credit profile and must be properly investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Unauthorized / Unverified Inquiries XXXX Inquiry dated XX/XX/year> I dispute this inquiry as unauthorized. I did not provide permissible purpose or consent for this credit pull. Experian must provide proof of authorization ; otherwise, this inquiry must be removed in compliance with FCRA 604. 

Inaccurate / Unverified Late Payments XXXX Account ending XXXX XXXX CARD Account ending XXXX XXXX XXXX XXXX XXXX Account ending XXXX XXXX  Account ending XXXX These late payment entries are being reported inaccurately and without consistent supporting evidence. Experian is obligated under FCRA 611 to conduct a reasonable reinvestigation and delete any information that can not be fully verified as accurate and complete.

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
Aidvantage has not replied to my letters since XX/XX/year>XXXX  and has not processed my applications since XX/XX/year>XXXX  and Im seeking a response

Company response to consumer: Closed with explanation