vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i have hundreds complaints against bofa and i wish that cfpb will hold them accountable and i will continue to do complaints until they are.once again my account went negative when its not supposed to. my account was negstive XXXX on XX/XX/XXXX when i did a deposit of XXXX brought my account to XXXX the next day XX/XX/XXXX IT SHOULD OF BROUGHT MY ACCOUNT POSIGIVE XXXX INSTEAD MY ACCOUNT WAS NEGATIVE XXXX see ssAGAIN.STOP THIS!!!!! THEY NEEDS TO BE ANOTHER LAWSUIT

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 2025-10-31 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: GA

Complaint narrative:
Second Dispute XXXX  XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Failure to Properly Investigate and Verify under FCRA 611 ( 15 U.S.C. 1681i, Subsections AD ), 611 ( a ) ( 7 ), 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), and TILA 1601 I am filing this complaint because I am dissatisfied with the outcome of the investigation conducted by XXXX  regarding the disputed account on my credit report. Despite my initial dispute and XXXX  subsequent response stating the account was verified, it is clear that the investigation was insufficient and does not meet the legal requirements for accuracy or verification under the Fair Credit Reporting Act ( FCRA ). 
Accordingly, I request a detailed description of the investigation process followed by XXXX regarding the disputed account on my credit report. 
I cite the following provisions in support of my position : FCRA 611 ( 15 U.S.C. 1681i, Subsections AD ) : Requires a reasonable reinvestigation and full disclosure of the verification process.

FCRA 611 ( a ) ( 7 ) / 15 U.S.C. 1681i ( 7 ) : Requires credit reporting agencies to provide a description of the investigation procedure within 15 days of receiving a consumer dispute.

FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain the maximum possible accuracy of reported information.

TILA, 15 U.S.C. 1601 : Emphasizes that all credit information provided must be accurate and transparent to protect consumer rights.

I am requesting that the credit reporting agency provide the following : 1. The full name ( s ) and business address ( es ) of the individual ( s ) or furnisher ( s ) with whom the information was verified.

2. The exact date ( s ) and method ( s ) of communication used to contact the furnisher ( s ) during the verification process.

3. Any voice recordings and/or transcripts of calls used to verify this information.

4. A clear and detailed description of the entire procedure used to determine the accuracy and completeness of the disputed information, including all internal and external verification steps, as required by FCRA 1681i ( 7 ) If the creditor is unable to provide adequate verification of this account, I request that the entry be immediately deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I opened an credit card with synchrony on XX/XX/year>, they start to charge me for credit card insurance payment each month from synchrony payment security, I just noticed about this last month, I didnt buy the insurance and I dont need one, I have been opened a few credit card and never requested to buy insurance, they should tell me about the insurance and the charges, I need all of my refund for unauthorized charge of credit card, they only give me a partial of the refund.I called the customer service for actually address because I wan na go to court, they said they even dont have one.

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 2025-10-31 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: MO

Complaint narrative:
I noticed an inaccuracy in my credit report with XXXX  pertaining to a loan with World Acceptance for account ending in XXXX. It stated I had missed payments on a loan in both XXXX and XXXX for an account that had closed with a {$0.00} balance in XXXX. XXXX  indicated they received information from World Acceptance that the missed payments were correct in XXXX, but took the XXXX missed payments off. I do not believe any investigation was done because I spoke with World Acceptance who indicated they saw where that loan had been refinanced into another loan and that if any loan was reporting incorrectly it should be the last account I had with them. I have sent an email to their compliance team after speaking with a customer service representative who indicated that company would also be reaching out the credit bureau on my behalf. The loan was closed out in XXXX with a XXXX balance and no missed payments or payments at all had been reported on my credit report between XXXX and XXXX. I filed a second dispute with XXXX  XX/XX/XXXX and also indicated I would be filing a report with the Federal Consumer Protection Bureau. I would like this loan to be taken off of my credit report. It is unfairly reporting missed payments in the last 24 months, and harming my chances at getting a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: MD

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
RE : Request for Removal of Unauthorized Credit Inquiries To Whom It May Concern, I checked my personal credit report, which I acquired from your organization and I noticed that these unauthorized inquiries had been made : * These inquiries were not authorized. Delete them from my credit report immediately : XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I contacted, who placed these inquiries, and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized these credit inquiries. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiries referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your help and assistance.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
My federal student loans serviced by Nelnet were incorrectly reported as 90 days late. During the period these delinquencies were reported, my loans were in forbearance or deferment status, so no payments should have been reported as late. 

I contacted Nelnet to request documentation and payment history verifying these reports and to understand why they appeared while my loans were not in active repayment. Nelnet has not provided clear documentation or corrected the reporting. 

These inaccurate late marks have negatively affected my credit. I am requesting that Nelnet and the credit bureaus investigate and remove the XXXX late notations to accurately reflect my account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Credit Acceptance has reported negative marks on my credit due to past due balances because of delays on their part by communication errors for the proper mailing address. The claim was approved on XX/XX/year> and a check was mailed out to Credit Acceptance but they did not provide the correct address to XXXX XXXX insurance which led to unnecessary delays. I have reviewed the status of my claim through both XXXX XXXX insurance and Credit Acceptances online portals multiple times a week throughout the entire process. This week when I checked the status on XXXX XXXX insurance portal, I noticed the status changed from approved to awaiting documents in which case I called for another update. I was told the agent from Credit acceptance failed to respond to the correspondence about the incorrect address issue. I then asked the XXXX XXXX agent to send me the information regarding these delays to which they agreed but I was only sent information about a new check being issued. The email states that I will receive the new check number and information in another email next week. The entire process has been delayed due to incorrect information and lack of communication on their part which has led to negative marks on 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 non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year>, I logged in to my XXXX XXXX investment account. To my shock, I saw that all of my investment portfolio had been sold without my authorization. I immediately reached out to a representative. They told me that they had tried to contact me to update my information by calling me once in XX/XX/year>, without leaving a voicemail, and sending a letter in XXXX. However, the address in their system was incorrect. Despite this, they arbitrarily decided to sell my entire portfolio on XX/XX/XXXX, causing me to suffer a loss of thousands of dollars. I escalated this issue to a manager at XXXX XXXX, but the manager flatly refused to reverse the unauthorized transaction. I explained that the address on file was outdated. The company did not make any real attempt to reach me, as calling without leaving a voicemail that clearly states that my investment portfolio could be terminated or sending letters to an incorrect address is not a genuine effort to contact. I have a Preferred status with Bank of America, and I had originally opened the XXXX XXXX  account through my Bank of America account, with which I had never experienced any issues before. This egregious treatment by the company, which showed a complete disregard for my investment and caused me significant financial damage, is unacceptable. Yet, they refuse to take any responsibility for their actions.

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 2025-10-31 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: VA

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 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 2025-10-31 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: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties.

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$99.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: TN

Complaint narrative:
In XX/XX/year>XXXX  I closed my account with US Bank with explanation as to my reasons that I no longer wished to do business with the company. 
On XX/XX/year>, a credit was sent to US Bank by XXXX in the amount of {$890.00}. 
US Bank made no attempt to notify me of the credit ; instead, they have held my {$890.00} as of today, XX/XX/year>. 
It was only after searching diligently for my {$890.00} credit in XX/XX/year> that I found that it was being held in the credit card account with US Bank that I had personally closed in XX/XX/year>. 
I then called US Bank on XX/XX/year> requesting that they send me the {$890.00} credit that they had held since XX/XX/year> without notifying me. I was told that they would send it within 10 days. 
I checked my online account with US Bank today, XX/XX/year>XXXX  and US Bank has made no move to send my refund and it is still being held in my closed account as a credit. 
I respectfully request help from CFPB in order to get the {$890.00} which belongs to me. 
US Bank needs to be investigated regarding their ethics.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-31 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: TX

Complaint narrative:
There's an account, XXXXXXXX XXXX that has recently been re added to my credit report after EQUIFAX has already agreed to PERMANENTLY block & remove this account. This information is false & I've already attached my FTC report proving identity theft to both XXXX XXXX & XXXX The amount they are claiming that I owe is {$13000.00} which I have absolutely no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: MI

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 XXXX  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 2025-10-31 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: CA

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