vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I signed a Loan agreement w XXXX  on XX/XX/year> in the amount of {$4800.00} to be paid every 2 weeks from my paycheck. XXXX  shows the XXXX XXXX  XXXX XXXX XXXX is the creditor. 
I have paid since then and even made extra payments, considering the charge me APR of 64.68 %. 
I want to pay off this Loan, I have contact XXXX  multiple x, w emails and phone calls,. They say I will have to pay an extra penalt fee if I decide to pay it off before the regular period of the contract and they say it varies depending on the day of the month. 
I contact XXXX XXXX  and I was told they are not the creditor. 
I offered {$1500.00} to pay off the loan and XXXX  responded that my agreement does not qualify for a discount and the remaining balance should be aprox {$2000.00}. 
Please help me to get this resolve. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC
State: NC

Complaint narrative:
I disputed an inaccurate tradeline that CNAC furnished to the credit reporting agencies. CNAC admitted the information was inaccurate and agreed to correct it, but my credit reports have not been updated to reflect that correction. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to provide accurate information and to investigate and correct information when notified of a dispute. See 15 U.S.C. 1681s-2 ( furnisher duties ) and 15 U.S.C. 1681i ( CRA reinvestigation procedures ). 

I also recently received notice that my account was transferred to XXXX XXXX XXXX effective XX/XX/2025, allegedly with prior notification sent XX/XX/2025 which I never received. The transfer does not excuse CNACs legal duty to correct the inaccurate reporting that it previously admitted. If CNAC fails to correct the tradeline immediately, I will seek all available remedies under the FCRA, including statutory damages, punitive damages, and attorneys fees for willful noncompliance ( 15 U.S.C. 1681n ) or actual damages for negligent noncompliance ( 15 U.S.C. 1681o ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of XXXX U.S.C. XXXX ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-07 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of XXXX U.S.C. XXXX ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-07 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: TX

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-07 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: NE

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint regarding my experience with Truist Banks XXXX service. In XX/XX/year>, I sent a {$10.00} payment through XXXX to my sister-in-law, labeling the payment with the reason XXXX, the name of my nephew. Shortly thereafter, my XXXX account was permanently restricted without any clear explanation. 
Since then, I have made multiple attempts to resolve this issue by contacting Truist customer service in XXXX, XXXX, XXXX, and most recently on XX/XX/year>. Each time, I have been told that my account is restricted indefinitely and that no one can assist me or provide a reason for the restriction. Despite requesting a reference or case number for these interactions, I have been told that none exist. 
This permanent restriction has unfairly prevented me from using XXXX, a service I relied on regularly, without justification or recourse. The lack of transparency and support from Truist is deeply frustrating and unfair. 
I respectfully request the CFPBs assistance in investigating this matter, obtaining a clear explanation for the restriction, and helping to restore my access to XXXX or provide an appropriate resolution. 
Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2025-10-07 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: AZ

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-10-07 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: PA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the Equifax data breach. 

The following accounts were fraudulently opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-10-07 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: GA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-07 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: TX

Complaint narrative:
Fulfill the obligations of 15 U.S. Code 1681g by removing the disputed accounts in the time allowed by law.

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 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am submitting this complaint regarding Bank of Americas decision to place a hold on a check that they themselves issued to me. The check was sent by Bank of America as a refund for an escrow overage related to my mortgage. 

I have multiple active accounts with Bank of America, including a checking account, savings account, credit card, and mortgage. The check in question was drawn on a Bank of America account and issued by the bank itselfnot a personal or third-party check. Despite this, when I deposited the check, Bank of America placed a hold on it and has refused to lift the hold. 

I first contacted customer service, who advised me to call my local branch. The branch then directed me back to customer service, stating they could not assist. When I called customer service again, the representative said there was nothing they could do and escalated the issue to a manager. The manager repeated the same explanation and escalated it further. The final representative I spoke with stated that the bank needed to verify the check, even though the check was issued by Bank of America and drawn on their own accountinformation they already have access to internally. 

This situation is unreasonable and has caused unnecessary delays in accessing my own funds. The check was issued by the same institution that is now holding it, and I have complied fully with all verification requests. 

Timeline : Deposited Sunday, XX/XX/year> to Tuesday, XX/XX/year> Date check issued : XXXX Date deposited : Sunday, XX/XX/year> Hold placed: same day as deposit Customer service contacts : multiple calls over ( over XXXX days ), all resulting in the same outcome.

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 2025-10-07 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: GA

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 2025-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CORELOGIC INC
State: OH

Complaint narrative:
Statement of the Case This complaint is filed pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) against CoreLogic Credco. Your agency continues to report factually false, contradictory, and materially misleading information regarding my accounts. Despite proof of {$0.00} balances and closure, your files contain contradictory closure dates, fabricated late payments, inflated balances, and misleading derogatory remarks. Additionally, no Original Purchase Agreement ( OPA ) has been produced for any alleged debt you continue to report. 
Without a signed OPA showing the lawful chain of ownership, your reporting is unverifiable and unlawful. 
Examples of Inaccuracy XXXX / XXXX XXXX Conflicting closure dates, false late history, derogatory reporting despite {$0.00} balance. 
Note : No Original Purchase Agreement has been provided. 
XXXX XXXX statuses : Paid by XXXX, but derogatory/charge-off listed elsewhere. 
Note : No Original Purchase Agreement has been provided. 
XXXX  XXXX False late payments and inconsistent balances despite payoff. 
Note : No Original Purchase Agreement has been provided. 
XXXX Reported both Paid/Closed and XXXX XXXX simultaneously. 
Note : No Original Purchase Agreement has been provided. 
XXXX XXXX False late marks, inflated utilization ( XXXX ), contradictory charge-off vs. paid. 
Note : No Original Purchase Agreement has been provided

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 2025-10-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have XXXX credit card accounts with synchrony that were paid in full but they have not applied the payments to the accounts. The checks were mailed from my bank which is the same bank all payments have been made from during the entire life of all XXXX accounts. Those checks were sent XX/XX/year> and synchrony acknowledged receiving them on XX/XX/XXXX. Each representative that I talked with on XX/XX/year> said payments take XXXX hours to post to the account once recieved. I explained that time frame had passed and the amounts should have been applied to the account. They said that I just needed to keep waiting. They all said that synchrony placed a hold on the payments to verify the bank. When I asked why they said it was because it was a large amount. I asked when the payments would be applied and no one gave me a consistent answer. I explained that they are still charging me interest on these accounts. I also explained that I had to continue making my payments even though they had already recieved the total amount that was owed on the accounts and that I am owed money back. I asked to speak to someone who could give me answers and they told me they were having system issues and couldn't transfer me.

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 2025-10-07 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: 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 2025-10-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Cash Link USA, LLC
State: WI

Complaint narrative:
In the XX/XX/XXXXof XXXX I reached out for a XXXX loan from Cask Link. They approved it but sent is to XXXX XXXX XXXX XXXX  with my name. XXXX XXXX said there was no XXXX XXXX on an account with them. We do not bank there. We bank at XXXX XXXX XXXX and XXXX. 

They ( Cash Link ) admitted the mistake. The said no further action needed on out part and would not bill us. Now they send the over XXXX debt to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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 explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Hello, I would like to dispute Zelle because my Zelle profile was restricted so that I can not enroll in any Zelle with any financial institution Im not sure why I have not done any fraud transaction any dispute I have not been aware of. I asked nobody was able to give me an answer. There was just telling me that its been restricted. They have no idea if theyre all going to give it back to me or am I ever be able to enroll back in Zelle ? I would like to get an understanding to why this happened. This is the only way that Im able to get that information.

Company response to consumer: Closed with explanation