vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
A balance transfer of my Bank of America card was made in the amount of {$7900.00} in XX/XX/XXXXXXXX XXXX  issued a transfer check which was received and cashed by BOA ( copy of check included ). My wife and I had both of these cards set up with Auto-pay each month and in XX/XX/XXXX we finally realized a {$400.00} per month payment was coming out to BOA for a balance what should have been cleared by the Balance Transfer in XX/XX/XXXX. Then began the hunt to try and find out what happened. Customer service was of little or no use in either organization, however XXXX was finally able to provide a copy of the cancelled check which included the proper account number for BOA to apply the payment to so our balance never cleared even though XXXX does reflect the balance having been transferred. Reason unknown, BOA was not able to properly apply this payment. After countless hours trying to find a person at BOA to try and deal with this situation we filed a XXXX XXXX XXXX Complaint. This actually seemed to work and after several more weeks we received a response ( letter attached ) from the Corporate compliance area indicating they misapplied the original payment and subsequently returned the payment to XXXX on XX/XX/XXXX to the account noted on the Check. XXXX has been unable to find this supposed payment and then starts the remaining saga of some capable of providing documentation of the return ACH so XXXX can find it. This is a very basic function of a bank and their inability/unwillingness to provide is pathetic. Since they claim to not have known who the payment was from the return ACH to XXXX did not receive any information regarding what or who this payment related and therefore I still have the full balance transfer on my XXXX Credit Card. The insanity needs to stop and someone competent at BOA either needs to provide the ACH information that their letter claims they have made, or they need to credit my account balance for {$7900.00} which will result in a credit balance because payments have been coming out of my account monthly on the Same Credit Card Balance, one at XXXX and one at BOA.

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 2025-10-01 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: FL

Complaint narrative:
When I recently examined my Equifax credit report, I was alarmed to find several accounts inaccurately reported as late payments, despite all of them being fully paid or current with XXXX past due balances. The specific entries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Past Due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Past Due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Past Due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} - Past Due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} - Past Due : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Past Due : {$0.00} The way these accounts are currently displayed is misleading and damaging. By being reported as late payments, they suggest a history of delinquency that does not exist. Equifaxs reporting in this manner violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which obligates consumer reporting agencies to ensure the maximum possible accuracy of information in consumer reports. Reporting accounts as late when they are fully current or XXXX balance constitutes a clear failure to uphold this standard. 

The practical consequences of this misreporting are tangible. I have been penalized in my financial life through lower credit scores, higher interest rates, and increased scrutiny from potential lenders. Each time I attempt to secure credit, I must explain that these reported late payments are in error, which is stressful, humiliating, and time-consuming. These inaccuracies affect not only my financial opportunities but also my emotional well-being, creating a sense of helplessness against errors I did not cause.

Under 15 U.S.C. 1681i, I am entitled to a full and thorough reinvestigation of these disputed items. This reinvestigation must involve original documentation, including account statements or other verifiable records from the creditors, to confirm the true status of each account. Simply verifying the data electronically is insufficient. If Equifax can not produce such original documentation, the entries are unverifiable and must be corrected or removed entirely from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: DC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Bank, account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX, account # XXXX, has violated my rights. 

XXXX U.S.C XXXX section XXXX A. States i have right to privacy. 

XXXX U.S.C XXXX section XXXX A. Section XXXX it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Bank, account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX, account # XXXX, has violated my rights. 

XXXX U.S.C XXXX section XXXX A. States i have right to privacy. 

XXXX U.S.C XXXX section XXXX A. Section XXXX it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint against TransUnion for its continued reporting of an inaccurate debt that does not belong to me. The account in question is listed under XXXX. 

I have disputed this debt with TransUnion multiple times, yet they continue to update and report it on my credit file. Both XXXX XXXX XXXX have already investigated and confirmed that this debt is not mine and have removed it from their reports. 

To prove my identity and establish that this debt is not associated with me, I have submitted the following to TransUnion : My birth certificate My Social Security card Additional documents requested by TransUnion Despite providing this documentation, TransUnion has failed to remove the account, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which requires consumer reporting agencies to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and to delete or correct information found to be inaccurate or unverifiable. 

By continuing to report this debt after it has been proven inaccurate by XXXX other credit bureaus, TransUnion is in willful noncompliance with 15 U.S.C. 1681e ( b ), which obligates consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information reported. 

I am requesting the CFPBs assistance to ensure that TransUnion promptly and permanently deletes this account from my credit report. If this matter is not resolved, I am prepared to pursue legal remedies under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

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 2025-10-01 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: Complete Credit Solutions, Inc.
State: AL

Complaint narrative:
I disputed a collection account from Complete Credit Solutions ( CCS ) linked to Purchasing Power. The debt became delinquent in XXXX, making it time-barred under state law. However, CCS re-aged the tradeline to show it as Opened XX/XX/XXXX, falsely making it appear as a newer debt. 

Other credit bureaus deleted the account, but CCS still reports it to XXXX. I sent several validation requests asking for a signed contract, full account history, and proof of assignment, but CCS failed to provide any of these. 

On XX/XX/XXXX, the same day I chose arbitration under the original agreement, CCS pulled my credit report without a permissible purpose, which seems retaliatory. Since then, this false reporting has caused housing and loan denials, higher interest rates, and continued financial and emotional harm. 

These actions violate the FDCPA ( failing to validate and misrepresenting the status of a time-barred debt ) and the FCRA ( false reporting, re-aging, reinsertion without notice, and impermissible credit inquiry ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

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

XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-01 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: World Acceptance Corporation
State: GA

Complaint narrative:
Reporting Act ( FCRA ) negative information such as a charge off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure accuracy of the information they provide ( 15 U S C 1681 e ( b ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is XXXX years from the of the initial delinquency that led to the charge-off ( 15 U. S. C 1681 c ( a ) ( 4 ). Repeatedly reporting the charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC
State: OH

Complaint narrative:
I received an email from a debt that was more than XXXX years old, so it shouldnt be able to be collected upon and not only was. I threatened that they would contact my employer saying that I have a completed fraud on them that they would contact other people saying that I have completed fraud that they were going to send the police to arrest me for fraud and theft by deception along with various other Illegal tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Credova Holdings Inc
State: AL

Complaint narrative:
MY ORDERS from XXXX Order # Date Order Total Status Action XXXX XX/XX/XXXX {$330.00} VIEW ORDER XXXX XX/XX/XXXX {$550.00} Complete VIEW ORDER I was unaware of the hidden fees and interest charges from Credova. They have been sued in the past for what they're doing to me. Overcharging me interest rates with a third party debt collection company. I would never have agreed to pay {$1300.00} for XXXX guns that were only total price {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Global Lending Services LLC
State: NY

Complaint narrative:
In XXXX my car was stolen while I was Sleep the police found it and towed it, I called My insurance to get the process started to get it fixed and then GLOBAL LENDING SERVICES the bank where my car came from repossessed it, it had nothing to do with payments. I got The car back and then they charged me XXXX repoession for my car, I talked To everyone about this fee and it was not fair and its still on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/XXXX, a transfer from my personal bank account ( XXXX ) was created and sent to a Chime ( The XXXX Bank ) account unknowingly created in my name. I was not aware at the time that the Chime account beared my social or other identity information. I found this out on XX/XX/XXXX when I received a credit and debit card in the mail for this created account. I contacted Chime to close the account. I asked if there were any funds in the account and was denied that information. I did not have access to this account ever. This account appears to be used to funnel funds from my personal bank account to a third account. The amount of money transferred to this account was {$9400.00}. I have no knowledge of the origination of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my Equifax credit report, I was alarmed to discover a hard inquiry listed for : XXXX - XX/XX/year> I have no knowledge of authorizing this inquiry, nor did I initiate any credit application through this company. Its presence on my credit report is misleading and inaccurate, implying that I sought credit through XXXX when I did not. Hard inquiries have a direct impact on credit scores and are used by lenders to evaluate financial responsibility. Reporting an inquiry that is not mine is a violation of my rights and creates the false impression that I am actively seeking credit, which can unjustly harm my ability to obtain loans, housing, or other financial opportunities.

Under 15 U.S.C. 1681i, I have the right to dispute any item on my credit report that is inaccurate or unverifiable. Equifax is required to conduct a thorough reinvestigation of this inquiry, obtaining proper documentation to validate that I authorized it. Failure to do so would be a violation of the Fair Credit Reporting Acts mandate under 15 U.S.C. 1681e ( b ) that credit reporting agencies maintain maximum possible accuracy.

The presence of this inquiry has tangible consequences. I have experienced stress and frustration over the thought that my credit profile might appear riskier due to an action I did not take. This is unfair and damaging, especially when it affects loan approvals, interest rates, or rental applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
XXXX XXXX XXXX has billed my Apple Card account for charges I did not authorize. These charges have continued even after Goldman Sachs reissued my Apple Card numbers multiple times. The most recent virtual card number ends in XXXX, but the problem goes back to at least XX/XX/XXXX. 

Apple appears to be using retained digital wallet tokens to continue billing my account even after new card numbers were issued. This has resulted in duplicate charges across different accounts ( XXXX and Apple Card ) on the same dates and amounts. For example, on XX/XX/XXXX, Apple Digital charged {$33.00} to my XXXX card and also charged my Apple Card. My Apple Wallet shows over {$7000.00} in charges since XX/XX/XXXX. 

I request : XXXX. A full account-level audit of all Apple Digital Services charges on my Apple Card, including all reissued virtual card numbers. 
XXXX. Immediate reversal/refund of unauthorized and duplicate charges. 
XXXX. Deactivation of all Apple Digital wallet tokens linked to my Apple Card so that future charges can not bypass new card numbers. 
XXXX. Written confirmation that billing will be limited only to valid, authorized card numbers I provide. 

Attached are screenshots documenting duplicate charges and billing errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my Equifax credit report, I was extremely concerned and frustrated to discover several collection and charge-off accounts that are being reported inaccurately, misleadingly, and in a manner that unfairly damages my credit profile. The accounts in question are : XXXX  - XXXXXX/XX/XXXX - XX/XX/XXXX - {$880.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1000.00} The XX/XX/XXXX account is particularly troubling, as it shows a {$0.00} balance yet continues to be listed as a collection/charge-off. A charge-off by definition represents a debt that the creditor has written off as uncollectible, yet with a XXXX balance, this account is being misrepresented. It is contradictory, misleading, and fails to comply with 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, which requires that consumer reporting agencies maintain the maximum possible accuracy in reporting. 

The XXXX and XXXX accounts also present serious concerns. The balances and reporting dates appear potentially inconsistent or unverifiable. Without access to original account documentation, including detailed billing statements and confirmation from the creditors themselves, I can not confirm that these amounts or statuses are accurate. Simply listing these accounts without proper validation misleads lenders and other decision-makers, creating an artificially negative portrayal of my financial responsibility. 

These inaccuracies have caused real and tangible harm. My credit score has been adversely affected, resulting in higher interest rates on credit offers, denials for financial opportunities, and unnecessary stress and embarrassment. The repeated misreporting of XXXX-balance accounts or unverifiable collections compounds the issue and shows a failure of Equifax to uphold its legal obligations under 15 U.S.C. 1681i, which guarantees consumers the right to a reinvestigation when disputing inaccurate information.

Company response to consumer: Closed with explanation