vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I leased a car through Bethpage Federal Credit Union, which was later acquired by XXXX XXXX XXXX. My lease ended on XX/XX/year>, and I requested and received a payoff letter. 

I attempted to pay off the vehicle via wire transfer from my personal bank account on XX/XX/XXXX, but XXXX rejected the payment, claiming the beneficiary name was not included even though it was sent from my own account. I called multiple times to request they accept the wire or leave a note that I would resend it. 

I resent the wire on XX/XX/XXXX, including all outstanding fees, and the same issue occurred. I then followed their recommendation to authorize a payment by phone, giving them my routing/account number and verbally confirming the transaction. Days later, I called to check on the payment, and a manager told me there was no such payment method and no record of my prior authorization call. As of now, nearly {$200.00} in late fees and interest have accumulated due to their internal confusion and refusal to process valid payments. 

Each time I contact customer service, I get different answers, no resolution, and there is no history of any of my previous calls. I believe they mishandled my attempts to pay and failed to provide consistent, accurate information. 

I am requesting a refund of all late fees and interest, and for my payoff to be processed as originally submitted. I also request that the CFPB review this credit unions payment processing and communication practices, as they are causing financial harm to customers through no fault of their own.

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 2025-06-10 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: MA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXXXXXX  UNAUTHORIZED INQUIRIES : XXXXXXXX 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 2025-06-10 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: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I opened a second account with Bank of America and contacted them the very next day because I suspected that my account may have been compromised. Despite my proactive efforts, I was unable to get meaningful assistance after speaking with multiple representatives. I experienced long hold times, conflicting information, and was repeatedly given the runaround without any resolution. 

Ultimately, Bank of America closed the account and inaccurately reported it as fraud. This action was taken even though there was no monetary loss, and I was not responsible for any fraudulent activity. I reached out in good faith to protect the account, and I am now being unfairly penalized for an issue I did not cause. 

I respectfully request that this matter be reviewed and corrected to reflect the true nature of the situation.

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 2025-06-10 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: FL

Complaint narrative:
* * To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : * * Dispute of Medical Debt Account # XXXX To Whom It May Concern, I am writing to formally dispute the validity and accuracy of the medical debt listed under account number XXXX XXXX XXXX XXXX XXXX, which has been reported to my credit file. 

First, I want to note that I * * never received a bill * * or any communication regarding this alleged debt at my home address. I was not informed of any outstanding balance or given the opportunity to review or resolve the issue prior to it being reported. 

Additionally, to the best of my knowledge, the only medical bill I was ever responsible for involved services that were * * billed incorrectly * *. The charges contained * * procedures I never received * *, * * upcoding * * ( billing for more expensive services than what was provided ), and * * coding errors * * that do not accurately reflect what occurred during my hospital visit. These discrepancies made the bill not only inaccurate, but also unjustifiable. 

I am requesting the following under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) : 1. * * A full itemized statement * * of the services being billed, 2. * * Verification of the debt * * including the original provider, dates of service, and a breakdown of charges, 3. * * Removal of this entry * * from my credit report if verification can not be provided.

Until these issues are resolved, I request that this account be marked as * * disputed * * on all credit reports, and that * * no collection activity * * or negative reporting continue. 

Please respond to this request within the legally mandated time frame. I also reserve the right to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) if necessary. 

Thank you for your time and attention to this matter. 

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 2025-06-10 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:
* * To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : * * Dispute of Medical Debt Account # XXXX To Whom It May Concern, I am writing to formally dispute the validity and accuracy of the medical debt listed under account number XXXX XXXX XXXX XXXX XXXX, which has been reported to my credit file. 

First, I want to note that I * * never received a bill * * or any communication regarding this alleged debt at my home address. I was not informed of any outstanding balance or given the opportunity to review or resolve the issue prior to it being reported. 

Additionally, to the best of my knowledge, the only medical bill I was ever responsible for involved services that were * * billed incorrectly * *. The charges contained * * procedures I never received * *, * * upcoding * * ( billing for more expensive services than what was provided ), and * * coding errors * * that do not accurately reflect what occurred during my hospital visit. These discrepancies made the bill not only inaccurate, but also unjustifiable. 

I am requesting the following under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) : 1. * * A full itemized statement * * of the services being billed, 2. * * Verification of the debt * * including the original provider, dates of service, and a breakdown of charges, 3. * * Removal of this entry * * from my credit report if verification can not be provided.

Until these issues are resolved, I request that this account be marked as * * disputed * * on all credit reports, and that * * no collection activity * * or negative reporting continue. 

Please respond to this request within the legally mandated time frame. I also reserve the right to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) if necessary. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: IA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
I am a XXXX  resident. I obtained an open-end line of credit from CreditFresh that was originated by XXXX XXXX XXXX  ( XXXX ), but every aspect of the accountmarketing, underwriting, servicing, payment collection, credit reportingis handled by CreditFresh. 

True-lender & licensing issue Because CreditFresh bears the predominant economic interest, it is the true lender and must hold a Texas regulated-lender license ( XXXX ). It does not. 

Usury Texas caps interesthowever denominatedat 10 % per year ( XXXX ). Your Cost-of-Credit table shows a $ 147 monthly XXXX XXXX on a {$1500.00} balance, a nominal APR of 119 % and an effective APR of ~205 %, far above the cap.

Under 305.001-.003 all such interest is forfeited ; treble damages apply.

Relief requested 1. Waive all illegal interest/fees and accept a payment of {$500.00} ( or a zero-balance write-off ).

2. Delete the tradeline from XXXX XXXX, and XXXXn ( XXXX code DA Delete ). 
XXXX. Provide proof within 15 days that XXXXnot CreditFreshretains 50 % of credit risk ; if no proof is provided, treat CreditFresh as the lender. 

Attachments : contract extracts, Cost-of-Credit table with APR calculation, certified usury notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
Since my student loan records originate from my educational file, any reporting of such accounts without my direct, written permission constitutes a violation of FERPA. As such, I am exercising my rights under federal law and requesting immediate deletion of all student loan accounts from my credit file. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - XXXX Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened 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 2025-06-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maury Cobb, Attorney at Law, LLC
State: FL

Complaint narrative:
When I closed my cell phone account with XXXX back in XX/XX/year> to transfer my numbers and phones to another company they sent me my last bill which I was due a check from them for {$81.00} since I had prepaid that month. They gave me Refund Request ID # XXXX and was assured that I would receive my check by XX/XX/year>. 

I never got the refund check, even after calling them multiple times. I was always told the the check was being processed. Finally, I gave up on the refund. The next month in XX/XX/year> they sent me a bill stating that I owe them {$140.00} for something called a XXXX, which I never requested and received. When I tried to get someone on the phone to send me proof that I had ordered or received such a device they would not disclose to me would put me on hold at times for hours I guess for me to give up on the call. Which I did ever time. I asked for supervisors or management to explain to me what happened with my refund and about this device I was charged with and they just ignored my questions and would put me on hold every time. When they added this charge it completely removed my credit balance and now they said my balance was {$66.00}. The next month, on XX/XX/year>, they sent me another bill were they added a {$25.00} Returned Payment Fee for what I don't know since I didn't make any payments. Attached is are copies of all these tree bills with XXXX after I cancelled their service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
I AM A VICTIM OF IDENTITY THEFT AND MY INFORMATION HAS BEEN SEVERELY COMPROMISED IN MULTIPLE DATA BREACHES. I AM REQUESTING THE REMOVAL OF THE FOLLOWING ITEMS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : 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 non-monetary relief
Consumer complaint received 2025-06-10 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: SD

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$1500.00}

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 2025-06-10 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: MA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXXXXXX  UNAUTHORIZED INQUIRIES : XXXXXXXX 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 2025-06-10 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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