vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
I received a text asking if I was transferring over {$2000.00} through XXXX to a XXXX XXXX. They claimed to be an agent from Bank of America whom I don't have an account with. They continue to pretend asking me who I banked with and I gave them false information to only pretend put me on hold and the same person came back saying they were my banks administrator. They were persistent and the phone number they used was 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 2025-12-02 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: CA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX : XX/XX/year> Re : Dispute of Inaccurate Information - 15 U.S.C. 1681i To Whom It May Concern : I have reviewed my Experian credit report ( Date generated : XX/XX/year> ) and found information that is inaccurate. Pursuant to the FCRA, I am requesting an immediate reinvestigation of the following trade lines : XXXXXXXX XXXX XXXX ( Account XXXX XXXX XXXXXXXX ) Reason : You are reporting late payments for XXXX, XXXX, XXXX, and XXXX XXXX. I dispute these late statuses. Please verify these payments with the creditor. 

XXXXXXXX XXXX XXXX ( Account XXXX XXXX XXXXXXXX ) Reason : This account is listed as a collection/closed account with a balance of {$2200.00}. I dispute this balance and the status of this account. 

XXXX. XXXX XXXX XXXX  ( Account XXXX XXXX XXXXXXXX ) Reason : This collection account for {$5400.00} is inaccurate. I request full validation of this debt, including the original creditor 's details and the date of first delinquency. 

XXXX. XXXX  XXXX XXXX ( Account XXXX XXXX XXXXXXXX ) Reason : I dispute this collection account. I request verification of the debt amount and the opening date. 

XXXX XXXX XXXX XXXX  ( Account XXXX XXXX XXXXXXXX ) Reason : This collection for {$480.00} is disputed. Please verify that this agency has the legal authority to report this debt. 

If you can not verify these items with the furnishers within the time frame mandated by law, they must be removed from my file. 

Sincerely, 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 2025-12-02 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: FL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-12-02 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: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX  for incorrect and conflicting credit reporting of XXXX, XXXX, and XXXX delinquencies on my mortgage. The reporting does not match the actual payment history shown, and there are inconsistencies, including months marked XXXX immediately before or after months marked as 90 days late, which is not mathematically or procedurally possible. 

During the same period, I submitted multiple hardship requests due to my fathers XXXX XXXX  and XXXX. XXXX XXXX  sent me letters indicating I was eligible for assistance, including forbearance or partial claim options, yet continued to report late payments. It is unclear whether my hardship request was properly processed, delayed, or mishandled internally. 

I requested a full payment ledger, a detailed audit of how payments were applied, and clarification of my hardship status during the months in question. I have not received the information. Without these documents, I can not verify whether XXXX incorrectly applied payments, misreported delinquencies, or failed to process my hardship request appropriately. 

The inaccurate reporting has now caused a loan denial and has significantly harmed my credit. I am requesting that the CFPB intervene so XXXX XXXX  can provide the full ledger, complete audit, hardship processing history, and correct any inaccurately reported delinquencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( last XXXX ) : XXXX Date : XX/XX/XXXX Subject : Formal Dispute of XXXX XXXX XXXX FCRA 609 & 623 To Whom It May Concern, I am writing to dispute the following account appearing on my credit report : CreditoXXXX XXXX XXXX XXXX Account Type : Auto Loan Status : Closed / Repossession ( redeemed ) Date Closed : XX/XX/XXXX This account contains multiple inaccurate, incomplete, and inconsistent entries that violate the Fair Credit Reporting Act. I am requesting an immediate investigation and correction or deletion. 
Specific Inaccuracies Payment Status : No Info This is factually inaccurate. 
Discrepancy in late payment records : Shows XXXX late payments Shows Worst late XXXX XXXX  days These entries conflict with each other and with the actual account history. 
Remarks Dispute Resolved Subscriber Disagrees This indicates the furnisher could not validate the information previously. 
Repossession reporting is inconsistent ( Repossession ; redeemed ) but no accurate status history is provided. 
The tradeline contains contradictory or unverifiable data, making it unfit for reporting under FCRA 607 ( b ).

Under FCRA Sections 609, 611, and 623, I request that you : Verify the accuracy of all data with Ally Financial Provide documentation used to verify this information Correct or delete the account if it can not be verified with complete accuracy If this account can not be fully verified, it must be removed from my credit file. 
Attached : Copy of ID Copy of proof of address Screenshot showing the inaccurate reporting Please complete your reinvestigation within XXXX  days and provide written confirmation of the outcome. 
Sincerely, Your Name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and 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 non-monetary relief
Consumer complaint received 2025-12-02 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: CL Holdings LLC
State: TX

Complaint narrative:
I am disputing this account as fraudulent. I have never opened a XXXX XXXX credit card allowing authorized any debt with Jefferson Capital Systems. The account lists an open date of XX/XX/year>, which is impossible and does not align with my credit history. I am requesting the immediate removal of this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Michael J Adams PC
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX, XXXX  ( debt collection law firm ) for illegally holding exempt child support funds in my XXXX XXXX  account and refusing to allow me to provide the required documentation to release the funds. 

On or about [ insert date the hold began ], the firm placed a legal hold on my XXXX checking account. The funds they froze include child support payments from the XXXX  XXXX XXXX Attorney General ( XXXX XXXX ). These deposits are clearly labeled on my bank statement as : XX/XX/XXXX XXXX  XXXX {$860.00} XX/XX/XXXX XXXX  XXXX {$900.00} These funds are legally exempt from garnishment or XXXX under : XXXX  XXXX XXXX XXXX and XXXX Federal law XXXX XXXX. XXXX and XXXX Despite this, the firm has : repeatedly refused to answer or return my calls hung up on me when I attempted to provide documentation demanded unnecessary and excessive documents, including XXXX  months of full bank statements and my child support court order refused to accept a properly redacted bank statement showing the exempt source failed to provide access to a supervisor, XXXX  XXXX, or attorney continued to hold my exempt child support funds, causing financial hardship The firms phone number ( XXXX ) disconnects or loops callers into automated recordings, preventing consumers from reaching a live representative to resolve exempt-fund disputes. 

This behavior violates : The Fair Debt Collection Practices Act ( FDCPA ) Federal rules on handling exempt funds State law prohibiting the seizure of child support Basic consumer rights to contact a debt collector and resolve disputes I am requesting that the CFPB require the firm to : XXXX. Immediately release the exempt child support funds being held XXXX. Correct their refusal to accept legally sufficient documentation XXXX. Provide a written explanation and response XXXX. Cease demanding unnecessary personal financial documents XXXX. Improve accessibility and compliance procedures I am attaching the redacted bank statement that clearly shows the XXXX exempt XXXX  XXXX deposits. 

Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
I made purchases that the card paid out & subtracted from my card plus theyre hold the same amount for the same transaction

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon reviewing my credit report. I notice a late payment, inquiries and other negative items listed on that I believe is inaccurate. I have maintained on time payment and do not have documentation showing that this payment was legitimately XXXX  days late. 

I am requesting a full investigation and verification of this late payments. If the creditor is unable to provide sufficient evidence I am asking that the record you updated to reflect accuratereporting

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint because Experian is reporting information that is inaccurate and not verified. I am just a consumer trying to fix my credit and I am asking for your help to correct these errors. Under the FCRA, all information reported must be 100 % accurate, complete, and verifiable. The account below is being reported in a way that I do not recognize as accurate, and I am requesting a proper investigation. 

Charged Off Account in Dispute XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$7500.00} Inquiry in Dispute : XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
I DONT KNOW HOW THIS GOT ON MY REPORT THIS IS NOT ME THIS IS DESTROYING MY LIFE AND MY ABILITY TO LIVE. I WAS INSTRUCTED TO WRITE THIS TO REMOVE THESE ACCOUNTS AND INQUIRIES ALSO TO THE CFPB PLEASE TAKE THIS IS OFF ASAP FRADULENT AND UNAUTHORIZED ACCOUNTS AND INQUIRIES. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The absence of verifiable evidence supporting the accuracy of this account, coupled with the reporting of unverified information, constitutes a violation of 15 U.S.C. 1681i ( XXXX ). This failure to comply with legal requirements is both concerning and frustrating, given the importance of ensuring accurate and fair reporting. 

I hereby request the immediate removal of this account unless verifiable documentation is provided to substantiate its validity. Delays in resolving this matter exacerbate the impact of noncompliance with regulatory and legal standards. 

Please provide a written response detailing the results of your investigation within XXXX  days, as required under the FCRA. If any item remains on my report, kindly include the name and contact information of the entity that verified its 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 non-monetary relief
Consumer complaint received 2025-12-02 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: U.S. BANCORP
State: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX chargeback despite clear evidence that the merchant engaged in improper billing practices, coercive behavior, and refused a promised refund. The banks investigation was inadequate and did not review all documentation. 

Summary of the issue : On XX/XX/year>, XXXX XXXX ( also known as XXXX XXXX ) charged me {$580.00} for a procedure. I later discovered they attempted to condition a refund on me signing a liability waiver. I refused. The merchant then emailed me admitting they were about to refund the money, but reversed their decision only after receiving an inquiry from the California XXXX XXXX. This is retaliatory behavior and improper billing. 

XXXX conduct included : conditioning a refund on a liability release refusing refund after state agency inquiry coercive communications abandonment of care ( they damaged my crown and forced me to see another dentist ) providing no signed consent for the procedure refusing resolution unless I waived rights I submitted all evidence to XXXX, XXXX : the merchants email admitting refund was owed documentation of the waiver request proof of dental crown damage requiring replacement XXXX XXXX inquiry communications all receipts and correspondence Despite this, the bank denied the dispute stating service was rendered, without addressing merchant misconduct, liability coercion, or documented harm. They did not contact me for clarification, nor request additional evidence. 

Regulation Z requires a reasonable investigation. 
The bank did not review the full context, did not consider the written admission from the merchant, and did not consider the coercive attempt to obtain a waiver. They closed the dispute prematurely. 

Requested Resolution : I am requesting XXXX XXXX XXXX XXXX dispute, conduct a proper investigation, and issue a chargeback or goodwill credit of {$580.00}. I am also requesting the CFPB review the adequacy of the banks investigation under Regulation Z. 

The merchant has been reported to the California XXXX XXXX for improper conduct, and the bank has failed to consider this in their process. 

I am seeking a fair review, nothing more.

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 2025-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: PA

Complaint narrative:
During XXXX lockdowns was credit card was lost and i cancelled it with my bank, had a difficult time replacing it and my phone service was cancelled. when i received a new card in the mail i promptly contacted sprint to pay off any remaining balance and transfer my mobile phone number and service to XXXX. After several months the same money i paid to close my account had been requested from me by a collection agency and XXXX had ceased communication with me. XXXX then closed down as a company and was purchased by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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