vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am filing this complaint against BANK OF AMERICA for violations of the Fair Credit Reporting Act ( FCRA ), U.S. Federal Law, and Illinois State Consumer Protection laws. The account reported by BANK OF AMERICA ( Acct # XXXX ) contains inaccurate, obsolete, and misleading information that continues to harm my credit standing and reputation. 

This account is reported as Charged-Off and reflects an open date of XX/XX/year>, yet it still appears on my current credit file. Under 15 U.S.C. 1681c ( a ) ( 4 ), adverse information, such as charge-offs or accounts placed for collection, may not be reported for more than seven years from the date of delinquency. The continued reporting of this item is a direct violation of the FCRAs obsolescence rule and constitutes unlawful retention and publication of outdated information. 

Furthermore, BANK OF AMERICA has failed to ensure the maximum possible accuracy of information furnished to the national credit reporting agencies, in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Despite prior disputes and written requests for validation, the account remains inaccurately reported. The bank has not provided verifiable documentation to substantiate the accuracy or current legitimacy of this decades-old account, nor has it conducted a reasonable reinvestigation as required by 15 U.S.C. 1681s-2 ( b ).

By continuing to furnish unverifiable, obsolete data, BANK OF AMERICA is engaging in negligent and willful noncompliance under 15 U.S.C. 1681n and 1681o, as well as violating CFPB Regulation V ( 12 C.F.R. Part 1022 ), which mandates that furnishers maintain procedures to promote data accuracy and integrity.

Under Illinois law, specifically the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/2 ), BANK OF AMERICAs actions constitute deceptive and unfair business conduct. The maintenance and publication of outdated credit data mislead other institutions, create an inaccurate impression of my financial reliability, and cause ongoing financial injury to me as an Illinois consumer.

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 2025-10-28 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: NY

Complaint narrative:
I am submitting this notice under the Fair Credit Reporting Act, 15 U.S.C. 1681c ( a ) ( 2 ), regarding an inaccurate and disputed trade line reported by XXXX XXXX XXXX XXXX ( Account XXXX. XXXX ). This account is the subject of active federal litigation in the U.S. District Court for the Eastern District of New York ( Case No. 1:25-cv-05966-EK-SDE ). 
The continued reporting of this trade line during ongoing litigation is misleading and contrary to FCRA 605 ( a ) ( 2 ), which restricts the reporting of accounts that can not be verified or are under legal dispute. 
I respectfully request the CFPBs assistance to ensure the consumer reporting agencies remove or suppress this trade line and confirm compliance with the law. 
Attached is my formal written notice addressed to Experian, Equifax, and TransUnion Legal Departments, along with identifying information and supporting documentation.

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 2025-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
Back in XX/XX/year> I noticed that taxes for two properties were being paid out of my escrow account. I reached out to freedom and they could not confirm or deny whether or not I was paying taxes for my property in another property so I had to research myself and find out that I was in fact paying taxes for two different properties. Starting back in XX/XX/year> I submitted multiple requests to get the incorrect parcel taken off of my account and to be reimbursed for the taxes that were incorrectly paid out of my escrow. Multiple research inquiries are completed and concluded that in fact on both properties, even though he representative that I talk to him on the phone insured me that I only owned one property and that the other incorrect property would be taken off my account. Ive had to fight with the company and keep going back and submit multiple request to get this parcel taken off And after hundreds of hours wasted on the phone, they finally told me that one of the parcels was getting taken off and that the money would be back into my escrow account by the end of the day on XX/XX/XXXX. I am submitting this today because as of today, the money has still not went back to my account. 
In the midst of all of this, I was talked into refinancing my loan because a representative from their company told me that the shortage in the escrow account could be rolled into a new loan and that that would take care of the issues with the escrow shortage. I received a call today that told me that what the first person told me was a lie, and that this for a shortage could not in fact, be rolled into the new one and that I was going to have to pay a much higher payment for the time being to make up the escrow shortage, as well as paying extra due to an escrow analysis that includes my property and the property that I dont own, which they refuse to redo to only include my own property. So now I was told I have to just pay this obscenely high amount per month while they figure out how to correct the mistake that they made and hope that I can keep making the payments while it gets figured out.

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 2025-10-28 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: GA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT 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

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 2025-10-28 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: GA

Complaint narrative:
In Pursuant of FCRA 1681s-2 ( a ) metro two guidelines as well as the AFT Lawsuit Forgiveness for Millions alongside CFPB Guidelines the following companies : XXXX XXXX and Equifax are falsely reporting that I owe {$140000.00}. Yet as of XX/XX/year>, my loans have been canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: GA

Complaint narrative:
In Pursuant of FCRA 1681s-2 ( a ) metro two guidelines as well as the AFT Lawsuit Forgiveness for Millions alongside CFPB Guidelines the following companies : XXXX, TransUnion and XXXX  are falsely reporting that I owe {$140000.00}. Yet as of XX/XX/year>, my loans have been canceled.

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 2025-10-28 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: CA

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my Transunion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part.

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 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
This some type of debt buyer. I don't have any debt with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: GA

Complaint narrative:
I am writing to formally dispute several accounts that were previously deleted from my TransUnion credit report after investigation, but have since been reinserted without proper notice, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). 

Reinserted Accounts in Dispute : Account Name : XXXX FIN Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00} Account Name : XXXX Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account XXXX : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$740.00}

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 2025-10-28 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CHERRY TECHNOLOGIES INC.
State: NY

Complaint narrative:
I financed Invisalign treatment through Cherry with XXXX XXXX XXXX on XX/XX/year>. I paid {$420.00} upfront. Only impressions/scans were performed. I never received aligners and treatment never began. 

On XX/XX/year>, the dental office called me and stated I was required to pay the full balance " because they ordered the aligners. '' This confirms the aligners were ordered before treatment began and before any aligners were delivered. I did not authorize that charge and I did not receive the product. 

I submitted a cancellation in writing on XX/XX/year> via certified mail. A partial refund of {$2000.00} was issued, but Cherry continues to bill me {$830.00} for treatment that was never provided. 

XXXX XXXX invoice shows : Order Date : XX/XX/year> Shipment Date : XX/XX/year> However, I never received the aligners and treatment never began. 

I am requesting Cherry close the remaining account balance to {$0.00} because : - No aligners were delivered - Treatment was not rendered - The provider acknowledged the order was placed before treatment and is attempting to bill me for products I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I deposited {$2000.00} via XXXX XXXX to Fifth Third Bank ( XXXX ). I was notified that my account was frozen pending review of check deposited. After several calls to the customer service line and Fraud department they could not tell me why. The fraud dept wanted to call my client who issued the check and I provided that information. The money for the deposit was released six days later. After a few days I called my branch because I received a noticed dated XX/XX/XXXX that my account would be closed in XXXX days. Notice included a Case #. The local branch associate I called looked into it and let me know my account was not closed and assured me I was in good standing. I never received an explanation as to why this happened. 

On XX/XX/XXXX I deposited a cashiers check for {$1500.00} via mobil deposit. Within 1 minute of my deposit I received and email saying the deposit if being held potentially to XX/XX/XXXX. As of End of Day XX/XX/XXXX the funds are still unavailable. On XX/XX/XXXX I called my branch as well as the customer service line. Nobody could tell me why my deposited funds are being withheld. For reference, I obtained the cashiers check from my personal XXXX account thinking this was not going to be an issue. I escalated to the 5/3 branch manager ( XXXX XXXX XXXX XXXX, XXXX Florida ) and after XXXX days of leaving messages she finally called me back. In the meantime I also escalated to the Supervisor of the customer support line. Neither person could tell me why my cashiers check was being withheld. They suggested the next time XXXX deposit I do it in person. I still don't have access to the deposited funds which came from my personal bank account and already cleared by XXXX. 
The actions by 5/3 bank are egregious : XXXX ) They held my initial deposit without explanation XXXX ) The sent me a letter saying my account was going to be terminated in 30 days and that they XXXX report my to a credit agency. 
XXXX ) I have impeccable credit ( XXXX score ) so this was alarming to read. I have been banking with XXXX and other banks for over 45 years and never had an issue. 
XXXX ) After me inquiring about my account termination they said that notice should not have been sent and my account was ok. 
XXXX ) My next deposit with a " cashiers check '' from my personal account is still being held without explanation. Since XXXX cleared the check I can't access my own money. 

If you would like the names of the people I spoke with I'd be happy to provide that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: EQUIFAX, INC.
State: NV

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: AZ

Complaint narrative:
Carvana advertised a specific vehicle on its website as having No Shipping or Free Shipping for delivery to my XXXX location. The advertisement displayed a total purchase price that clearly indicated no delivery or shipping costs would be charged. 

However, when I attempted to complete the purchase, Carvana suddenly added a {$490.00} shipping fee to the transaction total contradicting the advertised terms. When I contacted their customer service department, they refused to honor the advertised no-shipping price and would not remove the added charge.

This constitutes a deceptive or unfair business practice because : I relied on the No Shipping advertisement when choosing this vehicle and initiating the purchase process. 
The hidden {$490.00} charge was added only after I invested time and personal information into the purchase process. 
The advertisement misrepresented the total cost of the vehicle and materially affected my decision to proceed.

Applicable Law Violations This conduct appears to violate Arizonas Consumer Fraud Act ( A.R.S. 44-1522 ), which makes it unlawful to use any deception, false promise, misrepresentation, or concealment, suppression or omission of any material fact with intent that others rely on such concealment in connection with the sale or advertisement of any merchandise. 

Additionally, it may violate federal prohibitions on unfair and deceptive acts or practices ( UDAP ) under : 15 U.S.C. 45 ( Federal Trade Commission Act ) ; and 12 U.S.C. 5531 & 5536 ( Dodd-Frank Act, CFPB enforcement authority ) .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MA

Complaint narrative:
Please reinvestigate the following two accounts reporting inaccurately on my Equifax credit file : XXXX  Revolving Account ( Opened XX/XX/XXXX ) Reported as Collection/Charge-Off. The tradeline is missing payment history and contact data for the creditor. Under 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ), you must maintain maximum possible accuracy and conduct a reasonable reinvestigation.

Because the item can not be fully verified or completed per Metro 2 standards, I request deletion under 1681i ( a ) ( 5 ). 
XXXX XXXX XXXX Account ( Opened XX/XX/XXXX ) Reported as Derogatory with a {$6100.00} balance. There is no verified Date of First Delinquency and no proof of current ownership. If this account was charged off and sold, continuing to report a balance is misleading and violates 1681e ( b ) and 1681s-2 ( b ).

Company response to consumer: Closed with non-monetary relief