vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
I am writing to dispute certain information on my credit report that i believe is the result of a data breach and identity theft. In accordance with 15 U.S.C. 1681c-2, I am formally requesting that the credit reporting agency investigate and block any fraudulent information related to this breach. This information may been generated as result of a data breach, In which my personal information was compromised. I did not authorize the creation of this accounts or any associated transaction. I request that these items be blocked from my credit report in accordance with 15 U.S.C. 1681c-2, which requires the blocking of fraudulent information resulting from identity theft or a data breach. I request that you block this information from my credit report, and kindly confirm in writing when the action has been complete. I understand that the fair credit reporting act, you are required to complete your investigation and respond within 30 days. 

PLEASE REMOVE ALL FRAUDULENT ITEMS OFF MY CREDIT REPORT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
I am writing to dispute certain information on my credit report that i believe is the result of a data breach and identity theft. In accordance with 15 U.S.C. 1681c-2, I am formally requesting that the credit reporting agency investigate and block any fraudulent information related to this breach. This information may been generated as result of a data breach, In which my personal information was compromised. I did not authorize the creation of this accounts or any associated transaction. I request that these items be blocked from my credit report in accordance with 15 U.S.C. 1681c-2, which requires the blocking of fraudulent information resulting from identity theft or a data breach. I request that you block this information from my credit report, and kindly confirm in writing when the action has been complete. I understand that the fair credit reporting act, you are required to complete your investigation and respond within 30 days. 

PLEASE REMOVE ALL FRAUDULENT ITEMS OFF 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 2025-11-19 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: NY

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries appearing on my credit report. I respectfully request a thorough investigation into the following discrepancies, as they appear to be inaccurate or incomplete. These issues have a direct and negative impact on my credit score, and I am seeking timely resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Overview XXXX XXXX, age XXXX, details severe financial and personal hardship caused by repeated Bank of America account freezes during the COVID-19 pandemic.

I am requesting a correction on my IRP request where I didn't add the financial information perfectly for IRP so I am correcting it here to the best of my ability!! Account freezes lasted about seven months ( XXXX ), leading to loss of home, business, and family stability. 
XXXX incurred significant financial losses : eviction fees, hotel/occupancy fees, medical bills, and lost assets. 
She filed at least 11 complaints with the CFPB and struggled to get resolution or communication from the bank. 
XXXX requests a final lump sum settlement and criticizes the documentation demands and lack of support. 
Account Freezes and Initial Hardship During COVID-19 Bank of America froze account and withheld funds multiple times.

Account freeze lasted approximately seven months during XXXX COVID-19 pandemic. 
Calculation of Financial Losses : Fees and Housing Instability North Carolina charges an occupancy fee for hotel and Airbnb stays. 
Speaker has lived in hotels, vehicles, or temporary accommodations for five years. 
Estimated minimum : 365 days/year {$12.00} = {$4300.00} occupancy fee.Over a 3 year period because I minus 's any time I stayed with family or in my car! So {$4300.00} X times 3 = {$13000.00} Occupancy fee ranges from {$10.00} to {$20.00} per night. 
Hotel stays average {$70.00} a night X 1095 days equals {$76000.00} XXXXl fees moving 4 times after foreclosure, eviction from rental and eviction from another home. 
Loss of Business, Home, and Family Stability Owned cleaning business and home before pandemic. 
Business closed and went on unemployment in XXXX. 
Bank account frozen in XXXX ; home foreclosed. 
Foreclosure fees totaled $ XXXX ; XXXX  rental {$200.00}. 
Bank of America froze account again after moving to new rental. 
Escalating Personal and Family Strain, Abuse, and Loss Experienced financial hardship and marital strain due to prolonged stress.

Husband became XXXX  XXXXXXXX  ; XXXX son witnessed abuse. 
Mother was XXXX  ill with XXXX and died in XX/XX/XXXX. 
Attempted to purchase mother 's car and home after her death for son 's inheritance.

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 2025-11-19 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:
I am submitting a dispute regarding the following items on my credit report. These items have been identified as inaccurate or incomplete. I respectfully request that these accounts be investigated and corrected as necessary. 


Charged Off Accounts : XXXX  Account Number : XXXX Date : XX/XX/year> Balance : {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I am writing to dispute inaccurate reporting of my credit report despite disputes last months, you have consistently neglected your legal and ethical obligations to investigate and correct erroneous information in my file. Your disregard for consumer rights and federal regulations is unacceptable and warrants immediate action. I am writing to bring to your attention the recent updates made to my credit file by TransUnion, Equifax and Experian. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to a fair and accurate credit report. Therefore, I respectfully request that your agency conduct a thorough investigation into this matter and take the necessary steps to remove the disputed item within the 30-day time frame, as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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 am writing to dispute inaccurate reporting of my credit report despite disputes last months, you have consistently neglected your legal and ethical obligations to investigate and correct erroneous information in my file. Your disregard for consumer rights and federal regulations is unacceptable and warrants immediate action. I am writing to bring to your attention the recent updates made to my credit file by TransUnion, Equifax and Experian. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to a fair and accurate credit report. Therefore, I respectfully request that your agency conduct a thorough investigation into this matter and take the necessary steps to remove the disputed item within the 30-day time frame, as required by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BlueChip Financial
State: CA

Complaint narrative:
CFPB, I am filing a complaint regarding misleading and inconsistent information I received from Spotloan about my eligibility to apply for a new loan. 

Before submitting my application, I called XXXX  and spoke with a relationship manager to confirm my eligibility. During the call, the representative told me that he had checked with his supervisor, and both confirmed that I was eligible to apply. At no point did the representative mention anything about my previous loan statusincluding the fact that XXXX  had previously forgiven my balancebeing a barrier or affecting my eligibility in any way. 

Based on the managers statement and confirmation from his supervisor, I proceeded to submit my application. Immediately after submitting it, the system automatically denied me. This was completely inconsistent with the information I had just been given on the phone, and it left me shocked and confused. 

Consumers rely on the accuracy of the information provided by company representatives, especially when it directly influences a financial decision. If the system was going to deny me instantly, I should not have been told that I was eligible to apply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I am submitting this formal complaint because the credit reporting agencies and several furnishers are reporting information on my credit file that is completely inaccurate, unverified, and not related to me as a consumer. These incorrect entries are causing significant damage to my credit profile, and despite my attempts to resolve these issues, the bureaus have failed to correct or delete them as required by the Fair Credit Reporting Act. 

The following charge-off accounts do not belong to me. I have no knowledge of these accounts, I never opened them, and I never authorized any credit in connection with them. These accounts are unfamiliar, unverified, and must be deleted immediately : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Status : Charge Off I have no knowledge of this account and demand immediate deletion. 

XXXX # XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$2600.00} Status : Charge Off This account is not mine and must be deleted immediately. 

XXXX XXXX  # XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Status : Charge Off I did not open this account and demand its immediate deletion. 

Additionally, there is an account with XXXX XXXX that has been reported with late payments. This information is false. I have never been late on this account at any time. The late payment history is inaccurate and must be corrected immediately. I am requesting the full correction of the accounts payment record to reflect that I have never made a late payment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$130.00} Status : Late Payments Reported This reporting is false and requires correction. 

These inaccurate and unverified items violate the Fair Credit Reporting Act, including the requirements for maximum possible accuracy, proper investigation, and verification of reported information. The credit bureaus and furnishers have not provided any documentation proving these accounts belong to me, nor have they conducted a proper investigation as required by law. 

I am requesting that the CFPB require the credit bureaus to delete the charge-off accounts that do not belong to me and require XXXX to correct the false late payment history. I also request written confirmation once these corrections and deletions have been completed. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX BANK XXXX - XX/XX/XXXX - {$240.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$8100.00} XXXX XXXX - XX/XX/XXXX - {$2400.00} Hard Inquiries : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
So anot new on western union. 
I has sent my amount to my dad 's nationl bank account somedays ago. 
Same time as always i had receive mail that money has sent. 
But truth is my father bank 's didn't receive any amount. 
Money has not sent yet from Western union neither i have receive any refund not my father receive any amount. 
Kindly refund my amount back ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I lawfully served notice to Credit Acceptance Corporation with a Notice of Rescission, Revocation of Power of Attorney, Demand for Full Accounting and Damages. 

Said notice was delivered and received on XX/XX/year> as confirmed by XXXX Certified Mail tracking number XXXX. 


That notice afforded CAC a cure period of 10 days in which to provide a complete and sufficient response. 

CAC has failed to provide any lawful, complete, or good faith response. 
Accordingly, CAC is hereby in default. 

By failure to cure, CAC has tacitly admitted to the facts, claims, and demands set forth in my original notice, including but not limited to : a. Lack of valid consideration in the Retail Installment Contract ( " RIC '' ).

b. Unauthorized electronic execution of the RIC, where I never knowingly signed or consented to digital signatures being applied on my behalf. 
c. Failure to provide material disclosures as required under TILA ( 15 U.S.C. {$1600.00} et seq., Regulation Z ).

d. Unlawful debt collection activities in violation of the FDCPA ( 15 U.S.C. 1692 et seq. ).

e. Engagement in unfair or deceptive practices in violation of UDAP ( Texas Deceptive Trade Practices Act, Bus. & Com. Code 17.41 et seq. ).

f. Improper securitization and assignment of the RIC without disclosure to or consent of the obligor, in violation of GAAP/FASB standards and equitable contract principles.

g. Unjust enrichment and deprivation of property rights in connection with the motor vehicle collateral.

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 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
I am filing this complaint because my mortgage servicer has repeatedly denied my loss mitigation application by stating that they have completed too many reviews, instead of reviewing my updated financial information and current circumstances. This denial reason is not based on affordability or eligibility, and it prevents me from being evaluated for options that could help me bring my mortgage current and avoid foreclosure. 

My household experienced a legitimate hardship over the last year. I lost my job and later suffered a serious accident which resulted in a XXXX XXXX and a XXXX XXXX. I will be out of work for a significant time. During that period, we fell behind on our mortgage. We attempted a repayment plan, but it was too high for us to afford with the reduced income. 

Our circumstances have now changed. My wife is currently employed and able to afford the regular monthly mortgage payment. I submitted updated income documents and a complete loss mitigation package. However, instead of being reviewed based on the new financials, the servicer denied my application solely on the grounds that too many reviews were conducted. This is not a valid basis for denial under federal guidelines. 

The servicer is refusing to evaluate my application under my current income, refusing to consider the new hardship information, and refusing to reassess my file despite a documented and significant change in circumstances. Their refusal puts my home at risk unnecessarily. It does not seem fair or like they are trying to help us come up with a solution to keep our home.

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 2025-11-19 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: IL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-19 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: IL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief