vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Bank of America Failure to reissue expired cashiers check after account closure Description : Two years ago, Bank of America closed my checking account with a remaining balance of {$700.00}. The bank mailed me a check for this amount, but at that time I did not have a valid ID or another bank account, so I was unable to cash the check before it expired. 

In XX/XX/year>, after receiving my ID, I visited a Bank of America branch in XXXX XXXX to request a replacement check, since this issue could not be resolved over the phone. The representative verified my identity and submitted the request. I was told the new check would arrive within XXXX weeks. It never arrived. 

I visited the branch again on XX/XX/year>. The employees called Customer Service on my behalf and assured me that a new check had been processed and would arrive shortly. It still has not been sent. 

I have now visited the bank multiple times, received conflicting information every time, and still have not received my {$700.00}. This ongoing delay has caused significant inconvenience, and I am simply requesting my funds to be returned. 

Account number : XXXX My name : XXXX XXXX XXXX number : XXXX My current mailing address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX What I am requesting : I respectfully request that Bank of America : 1. Immediately reissue my replacement check for {$700.00} or provide another secure method of returning my funds. 

Thank you.

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 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Comerica
State: LA

Complaint narrative:
I'm with XXXX XXXX  I had fraud committed on my cars the employee when I call them refusing too get me over to the dispute department I already filed a dispute they keep having me on the phone for over XXXX hour I spoke the someone name XXXX and XXXX they never got me over I also made a police report about this her is the case number with XXXX police department XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-24 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: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my third formal request for a review and correction of the unauthorized accounts and inquiries appearing on my credit report. These incorrect items have significantly reduced my FICO score, creating challenges in managing my financial well-being.

I urgently need your assistance in addressing this issue, especially as I am preparing to apply for a loan that requires a strong FICO score. Prompt action on your part would be greatly appreciated and would enable me to move forward with my financial plans without additional setbacks. 

Thank you for your cooperation and support in resolving these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
To Whom It May Concern : I am submitting this formal dispute and request for reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding the following medical collection account currently appearing on my consumer report : Creditor/Collection Agency : ABILITY RECOVERY SERVICE Account Number : XXXX Reported Amount : {$1700.00} Date Reported : XXXX This account contains medical information, which is subject to heightened restrictions under FCRA 1681b ( g ) and is further governed by federal medical privacy requirements that prohibit the disclosure or furnishing of medical information without permissible purpose and proper authorization.

1. Failure to Establish Permissible Purpose FCRA 1681b ( g ) The FCRA explicitly prohibits the furnishing of medical information to consumer-reporting agencies unless strict conditions are met.

I am demanding documentation establishing that the furnisher had a lawful basis, permissible purpose, and proper authorization to disclose any medical-related information to your bureau.

2. Failure to Substantiate Ownership, Assignment, and Amount I hereby dispute the accuracy, completeness, and legal enforceability of this account.

Under FCRA 1681i, the burden is on the reporting bureau to obtain and provide competent, substantive verification, including but not limited to : Proof the debt was lawfully assigned or transferred Proof the reporting entity currently owns and may collect the debt Proof the amount reported is complete and accurate Proof the account satisfies all medical-debt reporting guidelines Anything less than full, admissible verification renders the entry unverifiable and therefore subject to deletion. 

3. Medical Debt Reporting Compliance Under the updated medical debt reporting standards adopted by the national credit reporting agencies ( XXXX reforms ), I request verification demonstrating that : The debt was eligible to be furnished after the required one-year waiting period ; The amount was reported consistent with medical debt furnishing limits ; The collector complied with all required disclosure and validation obligations. 

If the furnisher can not produce full verification of compliance, the account must be promptly removed.

4. Demand for Action Pursuant to 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation and delete this account if the furnisher fails to provide full and proper verification.

Accordingly, I demand : 1. A complete reinvestigation ; 2. Written verification of the evidence relied upon ; 3. Deletion of the account should any required element be unverifiable. 

Please send me the results of your reinvestigation within the legally required time period. 

Thank you for your prompt attention to this matter.

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 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PREFERRED CREDIT INC
State: FL

Complaint narrative:
I made a purchase ( XXXX XXXX ) and I'm not happy with it ; I wanted to return them. However, the credit company said that I can not do it because I had 3 days to cancel the transaction, which I was not aware of, but they said it was on the contract. Nobody verbally told me about that policy, they rushed me to sign the papers on the same day the dealer charged me for the shipping and tax. The XXXX arrived 10 days after the initial paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: GA

Complaint narrative:
On XX/XX/year>, I purchased a used vehicle from XXXX XXXX, a dealer partnered with Westlake Financial. At the time of sale, there were no warning lights on, no issues disclosed, and the XXXX showed no prior repairs or accidents. The dealer also did not provide or disclose any emissions documentation, despite Georgia law requiring a valid passing emissions test or written notice that the vehicle will not pass. 

Within XXXX hours of the purchase, the check engine light came on, the XXXX XXXX message appeared on the dashboard, and the passenger airbag turned off. I immediately contacted the dealer and provided photos. They instructed me to get diagnostics at XXXX. XXXX provided codes XXXX ( Engine Underboost ), XXXX ( Engine Misfire Detected ), and XXXX ( Intake Air System Performance ). 

I informed the dealer of these issues and asked for repairs. They told me I could use any licensed mechanic except a dealership and offered to return only the {$650.00} cash I had paid at purchase. They did not offer to repair the actual problems. 

I asked for a list of approved warranty shops, but the dealer gave me inconsistent information. I contacted the warranty company myself. They told me to get a certified diagnostic and have the mechanic call in the findings. I paid {$140.00} for a full diagnostic. The mechanic informed me that the repairs would cost nearly {$1000.00} and that the vehicle would not pass emissions in its current condition. The warranty company later stated that these repairs were not covered, even though the dealer implied they would be. 

No emissions certificate or disclosure was ever provided at the time of sale, and there is no online record of a recent emissions test for the vehicle. This violates Georgia emissions requirements for the XXXX XXXX counties XXXX Selling a vehicle as is does not exempt a dealer from this obligation. 

I requested a full refund from the dealer due to undisclosed preexisting mechanical issues, safety concerns, and failure to comply with emissions laws. The dealer stated that even if I canceled the warranty, I would still have to pay for it because it was included in the financing. The vehicle is currently unsafe, may not qualify for registration, and was not sold in compliance with Georgia consumer laws. 

I am requesting CFPB assistance because the dealer has not resolved the issue, and I do not want to begin payments on an unsafe and non-compliant vehicle. I am seeking a full refund and return of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
This is my third formal request for a review and correction of the unauthorized accounts and inquiries appearing on my credit report. These incorrect items have significantly reduced my FICO score, creating challenges in managing my financial well-being.

I urgently need your assistance in addressing this issue, especially as I am preparing to apply for a loan that requires a strong FICO score. Prompt action on your part would be greatly appreciated and would enable me to move forward with my financial plans without additional setbacks. 

Thank you for your cooperation and support in resolving these errors.

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 2025-11-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN ( Last 4 ) : XXXX Date : XX/XX/year> XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute Verification Request for XXXXXXXX XXXX  Charges To Whom It May Concern, I dispute the validity of the alleged debt you are reporting : XXXX at XXXX XXXX Account : XXXX Claimed Balance : {$26000.00} This balance appears inflated and unsupported by documentation. 

Please provide : 1. Signed lease agreement 2. Full rent ledger 3. Move-out inspection report 4. Itemized list of charges 5. Proof of legal right to collect this amount If you can not provide documentation, you must notify XXXX  to delete your reporting. 

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 non-monetary relief
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NC

Complaint narrative:
I dispute the accuracy of the accounts and inquiries listed above across the major credit bureau ( TransUnion ). Please investigate the disputed entries and correct or remove any inaccurate, incomplete, or unverifiable information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$2100.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$1600.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$4400.00} Inquiries : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment Accounts : XXXX XXXX, XXXXXXXX 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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
The reported late payments from XX/XX/XXXX through XX/XX/XXXX are incomplete, misleading, and can not be fully verified based on the actual circumstances of this account. 
Here is a brief summary of the situation : My car was totaled on XX/XX/XXXX. 
I was hospitalized when CIG first sent late-payment notices ( starting XX/XX/XXXX ). 
On XX/XX/XXXX, CIG notified me that the account would go to collections if payment was not made. 
That same day I contacted CIG, obtained the required documents, and began the GAP insurance process with XXXX 
On XX/XX/XXXX, CIG instructed me to contact XXXX XXXX XXXX to cancel my AUL warranty so they could send the refund to CIG. 
Both XXXX and I attempted to contact XXXX XXXX XXXX multiple times, but the dealer never responded. This made it impossible to follow CIGs instructions. 
XX/XX/XXXX I was able to defer payment with CIG so that payment due on XX/XX/XXXX will be deferred to the end of the contract, and your next payment will be due on XX/XX/XXXX. 
On XX/XX/XXXX, I informed XXXX that I still could not reach the dealer. 
AUL then informed me that I could cancel the warranty directly myself, which I did. 
XXXX paid off the loan on XX/XX/XXXX. 

The delays were due to the dealership being unreachable and the insurance processnot due to negligence on my part. Because of this, the late payments are being reported without key context and are therefore incomplete and misleading, and parts of the timeline can not be fully verified due to the dealers unresponsiveness. 

After attempts for goodwill adjustments the company stated they have to report " accurate information '' but the information reported is not accurate. 
They have reported months of late payments without noting that : The vehicle was totaled Insurance was handling the claim The dealer required for cancellation was unreachable XXXX  and I made repeated attempts to comply CIG instructions could not be followed due to dealer non-responsiveness This makes the data incomplete. 
A reader of my credit report would believe I simply did not pay for XXXX months. In reality, payment delay was caused by : Hospitalization A total-loss claim GAP insurance processing Dealer failure to respond Conflicting instructions that required dealer participation This misrepresents my credit behavior. The late payments are Potentially Unverifiable CIG can not verify the late payments as strictly consumer fault because the dealer failed to cooperate. If any portion can not be fully verified, it must be removed under FCRA 623.

I have attatched the previous credit dispute results, the letter recieved from CIG in regards to the matter, evidence, and statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: AC AutoPay LLC, Denver, CO Branch
State: FL

Complaint narrative:
Today on XXXX I was sent to Autopay, a car refinancing company to get lower rates. I was shown a XXXX payment at 8.97 %. I went through the process and was sent to create an account at Autopay. No denial or approval. Which would be typical when I put in my SSN, name, etc. Instead I authorized a hard credit pull. I 100 % authorized the pull under the belief i was pre approved. The website then sent me to a dashboard. I was told to complete my application, please provide, car registration, proof of insurance, current photo of mileage, front and back of my license, and proof of income. After XXXX minutes of data collecting, I selected save and return only.to see " application cancelled. '' I called thr phone number and spoke with XXXX. After a long conversation, I asked why they collected all my personal information if I was already denied. To which he danced around in circles and had no answer. I told him I wanted all my personal information deleted immediately. This has never happened on a car company where I must provide all sensitive information to be declined. I dont care about the decline, but now they have my address, social, job information, etc. Im not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-24 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: NY

Complaint narrative:
I am disputing the following accounts listed under my name on Experian. The information provided is inaccurate and incomplete. Below are the details of the disputed accounts : Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7600.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX CARD, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX  XXXX, Account Number : XXXX XXXX BANK, Account Number : 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