vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The newly updated XXXX  XXXX XXXX policy has allowed the bank to inaccurately record, remove and provide information referencing balance and transaction history which has caused a negative impact on the relationships I have with regulatory financial services. The proof of this inaccurate depiction has occured between the wire transfer issued to Bank of America XXXX XXXX XXXX XXXX XXXX. Bank of America denies the recognition of the account number referencing the check distributed to routing information supportive to XXXX  XXXXXXXX XXXX XXXX XXXX, although a XXXX XXXX XXXX XXXX XXXX acknowledges the provided check account number, and the automated system acknowledges the routing number. The bank branches involved have collected funds as debit amounts, but has presented the funds as credit to the personal accounts that were expected to have been collected as debit deposits. Their response is that the payment was not issued as debit, but instead collected as credit. There was a hold placed upon the deposit for XXXX XXXX hours, with a partial release provided the following morning before the XXXX XXXX hours complete. An immediate release of money was withdrawn and a zelle payment was sent. XXXX has identified the transactions, and have not perform in compliance with policy procedural standards. The Bank of America has distribute checks actively in use to XXXX XXXX credit union without issuance of money to recipients attached to account numbers in associated wire transfers. XXXX has request the issuance of any money to the account discussed above send the initial deposit and other deposits attributing to the account number on the issued checks back to Bank of America as charge.

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 2025-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-05-28 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: CA

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 XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX XXXX XXXX XXXX  XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Why or how is this not a soft hit? Who is this you or your that they speak of? They state that their records show on line submitted on a soft check platform. Only one in the country. 

XX/XX/XXXX Hard Inquiries CITI CARDS/CITIBANK Never called for any services and fear someone stole my identity. Citibank , N.A . does not have an EDI number. Not a real company in New York. 

The card check or physical credit card that I do not have is entered as a hard check. It seem peculiar that a credit card comes back as a hard check with my credit score when the formation is softer especially with no credit card on hand. No date was mentioned when the hit was applied or that it is applicable ; just that it happened

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 2025-05-28 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2025-05-28 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: TX

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I am filing this complaint due to ongoing financial mismanagement and overcharges on my auto loan with Toyota Financial Services. 

Since starting my loan in XX/XX/XXXX, Ive identified the following issues : 1. {$2300.00} Overcharge : My {$800.00} down payment and {$1500.00} rebate were both added back into my total amount financed, resulting in duplicate charges and unnecessary interest. 


2. Unauthorized Add-Ons : I canceled GAP insurance and mechanical breakdown protection ( {$1600.00} ) within 30 days, but Toyota never removed them from my contract, continuing to charge interest on them. 


3. Overpaid Interest : My contract capped total interest at {$10000.00}. As of XX/XX/XXXX, I have already paid {$10000.00} nearly {$500.00} more and Toyota still claims I owe over {$3500.00}. 


4. Misapplied Payments : I have made 65 payments ( some early or doubled ), yet Toyota is only crediting around 59 and continues charging interest as if those extra payments never happened. 


5. Credit Reporting Issues : Despite making payments ahead of schedule, I was reported late, resulting in derogatory marks on my credit report. I disputed through XXXX XXXX several times with no resolution. 



I sent Toyota a formal complaint on [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], requesting correction and compensation. I am now requesting the CFPBs assistance to enforce resolution and accountability. 



Resolution Requested : Refund of overcharges and unauthorized fees ( ~ {$5500.00} ) Correction of all credit reporting errors Full account audit and corrected payoff amount Compensation for time spent, credit damage, and distress ( totaling ~ {$8500.00} ) I have documentation for all claims including my contract, statements, and payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Certified Services, Inc.
State: MA

Complaint narrative:
" " Subject : Complaint Regarding Failure to Remove Medical Debt from Credit Report To Whom It May Concern, I am writing to file a complaint against CERTIFIED SERVICES INC and/or Experian for their failure to remove medical debt from my credit report, in violation of the Consumer Financial Protection Bureaus 2025 regulation. 

Despite the CFPBs finalized rule ( effective 2025 ) banning the inclusion of medical debt on credit reports and prohibiting lenders from considering such debt when making credit decisions, my credit report still reflects medical debt that should have been removed. I have requested removal, but [ Debt Collectors Name ] and/or [ Credit Reporting Agency Name ] have not complied.

This ongoing reporting of medical debt is not only inaccurate but also unlawful under current federal regulations. I am requesting the following resolution : - Immediate removal of all medical debt from my credit report, as required by law - Written confirmation of this correction- Cessation of any collection activities related to this debt - Reconsideration of any adverse credit decisions made as a result of the erroneous reporting - Compensation for any financial harm suffered due to this violation Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Subject : Mortgage Not Reaffirmed After Bankruptcy Now Being Improperly Reported as Delinquent ( XXXX Bank to XXXX XXXX Portfolio Servicing ) I am submitting this complaint to formally address a serious issue involving the inaccurate and untimely reporting of a mortgage that was XXXX over XXXX XXXX XXXX through bankruptcy. 

I filed for bankruptcy under XXXX  XXXX and received a discharge on XX/XX/year>, under case number xxxxxxxxxxxxxxxx, filed in XXXX XXXX XXXXXXXX XXXX  XXXX. The mortgage in question, serviced at the time by XXXX XXXX  with account number ending in xxxx, was not reaffirmed during the bankruptcy proceedings. As such, this debt was discharged and should no longer be reported as active or delinquent. 
However, after more than XXXX XXXX  of no reporting activity, this account has recently reappeared on my credit report as delinquent, which is both misleading and damaging. This type of reportingsometimes referred to as ghost reportingis not only inaccurate, but it is in direct conflict with the Fair Credit Reporting Act ( FCRA ) and post-bankruptcy credit reporting guidelines. The current servicer is XXXX XXXX XXXX XXXX XXXX XXXX with loan # xxxxxxxxxx. 

This erroneous reporting has had a direct and detrimental impact on my creditworthiness and has recently prevented me from obtaining a loan. 
I have attempted to resolve this matter by contacting both the mortgage servicer and the credit bureaus, but have been unsuccessful in having the inaccurate information removed or corrected. I reported disputes with the credit agencies on XXXX different occasions, and both times, the debt was returned as accurate. Additionally, when I alerted XXXX of this incorrect accurate response, the representative informed me that they dont verify the accuracy of debt with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Subject : Mortgage Not Reaffirmed After Bankruptcy Now Being Improperly Reported as Delinquent ( XXXX XXXX  to XXXX XXXX XXXX  XXXX  ) I am submitting this complaint to formally address a serious issue involving the inaccurate and untimely reporting of a mortgage that was XXXX over XXXX years ago through bankruptcy. 

I filed for bankruptcy under XXXX  XXXX and received a discharge on XX/XX/year>, under case number xxxxxxxxxxxxxxxx, filed in XXXX XXXX XXXXXXXX Bankruptcy XXXX. The mortgage in question, serviced at the time by XXXX XXXX  with account number ending in xxxx, was not reaffirmed during the bankruptcy proceedings. As such, this debt was XXXX and should no longer be reported as active or delinquent. 
However, after more than XXXX XXXX of no reporting activity, this account has recently reappeared on my credit report as delinquent, which is both misleading and damaging. This type of reportingsometimes referred to as ghost reportingis not only inaccurate, but it is in direct conflict with the Fair Credit Reporting Act ( FCRA ) and post-bankruptcy credit reporting guidelines. The current servicer is XXXX XXXX XXXX XXXX XXXX XXXX with loan # xxxxxxxxxx. 

This erroneous reporting has had a direct and detrimental impact on my creditworthiness and has recently prevented me from obtaining a loan. 
I have attempted to resolve this matter by contacting both the mortgage servicer and the credit bureaus, but have been unsuccessful in having the inaccurate information removed or corrected. I reported disputes with the credit agencies on XXXX different occasions, and both times, the debt was returned as accurate. Additionally, when I alerted XXXX of this incorrect accurate response, the representative informed me that they dont verify the accuracy of debt with the credit bureaus.

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 2025-05-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : Mortgage Not Reaffirmed After Bankruptcy Now Being Improperly Reported as Delinquent ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I am submitting this complaint to formally address a serious issue involving the inaccurate and untimely reporting of a mortgage that was XXXX over XXXX  XXXX  ago through bankruptcy. 

I filed for bankruptcy under XXXX  XXXX and received a discharge on XX/XX/year>, under case number xxxxxxxxxxxxxxxx, filed in XXXX  XXXX  XXXX XXXX  XXXX. The mortgage in question, serviced at the time by XXXX XXXX  with account number ending in xxxx, was not reaffirmed during the bankruptcy proceedings. As such, this debt was XXXX and should no longer be reported as active or delinquent. 
However, after more than XXXX XXXX of no reporting activity, this account has recently reappeared on my credit report as delinquent, which is both misleading and damaging. This type of reportingsometimes referred to as ghost reportingis not only inaccurate, but it is in direct conflict with the Fair Credit Reporting Act ( FCRA ) and post-bankruptcy credit reporting guidelines. The current servicer is XXXX XXXX XXXX XXXX XXXX XXXX with loan # xxxxxxxxxx. 

This erroneous reporting has had a direct and detrimental impact on my creditworthiness and has recently prevented me from obtaining a loan. 
I have attempted to resolve this matter by contacting both the mortgage servicer and the credit bureaus, but have been unsuccessful in having the inaccurate information removed or corrected. I reported disputes with the credit agencies on XXXX different occasions, and both times, the debt was returned as accurate. Additionally, when I alerted XXXX of this incorrect accurate response, the representative informed me that they dont verify the accuracy of debt with the credit bureaus.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
XXXX XXXX for {$62.00} and the Treat yourself today for {$84.00}. Took place on XX/XX/2025 Was on the internet and an ad showed up advertising that XXXX was having a warehouse sale. The sale was items returned or never paid for by. XXXX customers. 
The ad said I could purchase XXXX large boxes for {$84.00} and XXXX smaller boxes for {$62.00}. after I made the purchases I went to my XXXX checking account to see if the funds were withdrawn. 
It wasnt XXXX minutes at the most. What I saw was : Treat Yourself Today withdraw {$84.00} and XXXX XXXX withdraw {$62.00}. 
I was thinking that it should read XXXX for a total of {$140.00}. It did not look good so I called my bank right away to cancel the order. 
A week goes by and XXXX reversed the total amount because it looked like a good sale. 
I asked XXXX bank for the phone number of the XXXX sellers. 
I got a number and called and I got PayPal. 
I explain what happen and requested the funds be returned to my checking account. I told PayPal that I did not know I even had a PayPal account and that I did not authorize PayPal to pay the sellers and bill me through XXXX Bank. 
A dispute was filed and when I checked on the dispute ( on line ) it read on both companies the words case Closed in Sellers favor. No one from PayPal called or texted me about the final decision. ( I did call the local police department ) On XXXX I went on line to try and get a phone number of both XXXX XXXX and Treat Yourself today along with a email. I had no luck. 
I called PayPal and stated to them that ( 1 ) I was not aware that I had a PayPal account ( 2 ) I did not authorize PayPal to pay the above sellers, ( 3 ) I did receive a very small package that I sensed back to the seller ( 4 ) the return address read Sender not seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: SC

Complaint narrative:
On XX/XX/year> I received a call from Bank of America asking me if I authorized a charge for {$4900.00}. I said I did not. I spent about an hour on the phone with them while they investigated. At the end of the call they said that that they had stopped payment and the charge would not go through. The next day, I checked my online balance and the charge had gone through. I promptly filed a claim online and got on the phone with them. Since then I have been on the phone multiple times with them and my claim has been denied twice. I am currently trying to reopen it again and adding the fact that I have officially filed with this organization and also filed a police report.

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 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Around XX/XX/year> I received information that my checking account will be closed. The process was initiated via Citibank. At the time of closure, I still have a balance of around {$3000.00} in the account. Citibank notified me that the check will be mailed within 30-60 days and I find this to be unacceptable.

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