vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint because Bank of America has not responded to my dispute regarding a {$1500.00} fraudulent XXXX XXXX  transaction on my account, and they are failing to honor their own {$0.00} Liability Guarantee for unauthorized or fraudulent transactions. 

I did not authorize this transaction. The funds were taken by an individual who misrepresented themselves and deceived me. I filed an official police report, which is attached. 

Bank of America advertises and publicly states that customers have {$0.00} Liability for unauthorized transactions made with their cards or accounts. This policy clearly states that customers will not be held responsible for fraudulent transactions when they report them promptly. 

Despite this, Bank of America has not responded to my written dispute. Below is the exact message I sent them : Message I sent to Bank of America : Hi, I am writing to formally dispute a fraudulent transaction that occurred on my Bank of America account via XXXX XXXX in the amount of {$1500.00}. I did not authorize this transaction the funds were taken by an individual who misrepresented themselves and deceived me into sending the money. This incident has been reported to law enforcement, and I have attached a copy of the official police report for your records. 

According to Bank of Americas {$0.00} Liability Guarantee, customers are not held responsible for fraudulent transactions made with their Bank of America cards or accounts. I am therefore requesting that the bank reimburse the full amount of {$1500.00} under this policy.

Please confirm receipt of this message and documentation, and let me know if any additional information is needed to complete the investigation.

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 2025-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: SC

Complaint narrative:
I am unaware of this alleged debt, and I was never provided the opportunity to dispute or validate this account as required by federal law.

If you believe you sent proper notification, you are hereby directed to provide Certified Mail documentation with the receipt and my signature proving that notice was lawfully delivered. If you can not produce this evidence, you are required to delete Account XXXX. XXXX immediately. SOURCE RECEIVABLES MNG had no authorization, no permissible purpose, and no lawful basis under 15 U.S.C. 1681b to access or pull my consumer credit report.

This constitutes a direct violation of my right to privacy, and an unlawful intrusion into my consumer file.

You are further instructed to cease all communication with me pursuant to 15 U.S.C. 1692c, as this matter is formally disputed Your failure to properly notify me, verify the debt, or provide proof of delivery demonstrates procedural negligence, unauthorized data access, and improper furnishing of information to the credit bureaus.

I demand : 1. Immediate deletion of Account XXXX. XXXX from all consumer reporting agencies. 
2. Written confirmation of removal.

3. Full compliance with all federal consumer protection laws.

4. This matter shall be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
Account XXXX XXXX ending in XXXX. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account ending in XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
My MOHELA account is stuck in a servicing error that their representatives and a supervisor have acknowledged but have been unable to fix. I applied for IDR on XX/XX/25 and MOHELA sent me a message on XX/XX/25 saying my IDR plan was approved, but the plan has never been implemented on my account. Instead, my account began showing past due and current due amounts that are incorrect. 

MOHELA placed me on an administrative forbearance, but when it ended in XXXX, my account was never corrected and remained in a past due status. Representatives told me multiple times that they attempted to place me back into forbearance or process my IDR plan but were locked out of making changes due to a system issue. A supervisor told me they emailed their servicing department to correct the error, but no correction ever appeared on my account.

My account now falsely shows nearly 90 days of delinquency caused entirely by a servicer system error. I am requesting MOHELA correct the backend error, implement my approved IDR plan, and remove the inaccurate delinquency reporting.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: MD

Complaint narrative:
Well, I moved out of an apartment clean the apartment too up and down the way it was when I moved in then they hired a collector the collect a debt that is not mine because the apartment was clean

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
The inquiry is unauthorized and inaccurately reported on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from 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 explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from 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 explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
b'In XXXX  of this year (and multiple flyers since), I received a promotional offer in the mail offering $XXXX  for opening an account and direct depositing $XXXX  within the first 90 days.  I open the account following the instructions on the flyer and made the required deposits within the first six weeks of the account being opened. I waited 90 days and never received the $XXXX. I followed the account opening instructions to a T and made the required direct deposit. \n\nWhen I never receive the promotional reward I called and submitted ticket XXXX XXXX 10 business days passed with XXXX  communication. Again I had to call back and was told I did not qualify for the $XXXX  which I am wholeheartedly disputing. I submitted a new case number XXXXXXXX and was told I would hear back within 2 business days. At this point am not holding my breath to hear from anyone so am submitting a complaint this way. \n\nI have had a good experience with WF  for these first few months and planned to make this my primary account but am reconsidering because of the level of deception I feel in this initial offer being declined. I am BEYOND disappointed in this experience and feel like you all are at best deceptive in your advertising offers and at worst flat out acting fraudulently.'

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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TClub Inc
State: IL

Complaint narrative:
i used ABOUND remittance to transfer the money, it took two weeks to transfer the money and did not check if the money is going to the wrong account or not. i entered the wrong account number while sending the money, while providing the correct details. the institution should check before transferring the money whether the details are correct and matching, they did not do that and when i reached out to them about this, they did not respond immediately. after a week, they responded and took almost 2 months of time, and said the money can't be recovered. the total amonubt i sent is {$500.00} and XXXX is for my family maintenance in XXXX. please help to recover my money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: MI

Complaint narrative:
I am submitting this complaint because my credit report contains several inaccurate, unverifiable, and unauthorized items. These errors are harming my credit profile and violating my consumer rights. I am requesting CFPBs intervention to ensure proper correction or deletion. 

ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have never lived at or used this address, and it has no connection to my identity. Keeping an address that does not belong to me violates federal accuracy requirements and must be removed. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address does not belong to me and has never been associated with any account of mine. Its presence creates identity confusion and must be deleted. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have no relationship with this address. Reporting a location that is not mine fails to meet accuracy standards and must be removed. 

ACCOUNT XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} I have no knowledge of this collection and have never had any account with this entity. Under federal law, any account reported must be supported by original, verifiable records such as contracts or billing statements. If they can not produce documentation proving I am responsible for this debt, it must be deleted. 

INQUIRY XXXX XXXX XXXX XXXXXX/XX/XXXX This was not authorized by me and must be removed under my rights to accuracy and permissible purpose. 

I request a full investigation and immediate correction or deletion of all inaccurate items listed above.

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 2025-12-09 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

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 2025-12-09 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-12-09 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: FL

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 2025-12-09 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: MO

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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Under FCRA 623, i dispute your reporting. The account is closed/charged-off, yet CRAs display " past due '' amounts post Closure and inconsistent DOFD. provide : DOFD on your system and charge-off date -Finale charge-off amount and any post charge-off interest/fees - Complete payment history and date of last payment -Basis for any current- delinquency coding Correct all CRAs to reflect accurate DOFD and remove any status implying a current delinquency. 
if you can not substantiate, request deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am requesting assistance with a credit reporting issue on my Capital One account ending in XXXX. In XX/XX/XXXX I experienced financial hardship and contacted Capital One for help. Their team enrolled me in a payment plan for XXXX through XX/XX/year>. I made every plan payment on time and received confirmation from Capital One stating I successfully completed the payment plan. 
My concern is that Capital One reported my account as XX/XX/XXXX days late during the same period I was actively participating in their hardship plan, even though I followed the plan exactly as agreed. I was not informed that late payment reporting would continue while I was making the agreed-upon plan payments. 
I am now trying to rebuild my credit, and these late marks reflect temporary hardship, not my long-term behavior. I attempted to request a goodwill adjustment directly, but Capital One has removed secure messaging from my account, and their published escalation emails bounce back. I have no available method to submit my request through them directly. 
I am asking for the CFPB 's assistance so that Capital One will review my case and consider removing the late payment reporting for XXXX, XXXX, and XX/XX/year> as a goodwill adjustment. I completed the payment plan as required and am simply requesting a fair reconsideration. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

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 theXX/XX/XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : DEPTEDXX/XX/9000XXXX -- Balance : {$6400.00} - Date Opened : XX/XX/XXXX DEPTEDXX/XX/9000XXXX -- Balance : {$2500.00} - Date Opened : XX/XX/XXXX DEPTEDXX/XX/XXXX XXXX -- Balance : {$3200.00} - Date Opened : XX/XX/XXXX DEPTEDXX/XX/9000XXXX -- Balance : {$4200.00} - Date Opened : XX/XX/XXXXXX/XX/2017KIKOFF LEND # Z2XXXX - Date Opened : XX/XX/XXXX XXXX XX/XX/XXXXXXXX -- Balance : {$5900.00} - Date Opened : XX/XX/XXXX XX/XX/XXXXXXXX - Date Opened : XX/XX/XXXXXX/XX/XXXX XXXX -- Balance : {$15000.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XX/XX/2024XX/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