vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : Formal Complaint Unresolved Issue Regarding Lost Cashiers Check and Withheld Funds On XX/XX/year>, I received a letter from Bank of America notifying me that my account ending in XXXX had been closed and that a cashiers check would be issued for the remaining balance following the completion of their review. However, I never received this cashiers check. 

On XX/XX/year>, I received a bank statement reflecting a XXXX balance and showing a debit of {$10000.00} from the account. When I contacted Bank of America, I was provided with a XXXX tracking number ( XXXX ) and informed that the check had been mailed on XX/XX/year>, requiring my signature upon delivery. Tracking information showed that XXXX received the item on XX/XX/XXXX and reported delays on XX/XX/XXXX, with no further updates thereafter. 

Upon contacting XXXX, I was advised to file a claim, as they were unable to locate the package. After filing the claim, I contacted Bank of America again and was informed that a replacement check could not be issued until the original either expired ( after XXXX  days ) or was returned by XXXX. When I inquired about initiating a stop payment, I was told this could not be done until after the expiration period. Despite numerous follow-ups, I received the same response each time, and in some instances, representatives were dismissive and unhelpful. A manager also instructed me to deal directly with XXXX. 

On XX/XX/year>, XXXX contacted me to ask whether Bank of America had issued a replacement check. I explained that the bank had refused to do so, stating they would only reissue the check if XXXX returned it. XXXX has since confirmed that the cashiers check was never delivered and that they had sent formal communication to Bank of America confirming this outcome. 

Despite this confirmation, Bank of America continues to refuse reissuing my funds and insists that I must wait until XX/XX/year>, causing unnecessary financial hardship as my rightful funds remain withheld. 

Following this unresolved issue, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). In their response to the CFPB, Bank of America falsely claimed to have responded to me, yet I have never received any such correspondence or resolution from the bank. 

I am therefore requesting that Bank of America immediately reissue the cashiers check or provide an alternative form of payment without further delay. The loss of these funds has created significant inconvenience and distress, and I expect prompt action to resolve this matter in good faith.

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: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
XXXXWhat happened:XXXX XXXX XXXX I received an initial debt collection letter from the law firm Kirschenbaum & Phillips, P.C. concerning an alleged debt of XXXX owed to XXXX XXXX XXXX. I dispute this debt in its entiretyXXXXThe letter contained multiple deceptive representations, including the false impression of attorney involvement and a misleading "dispute deadline" of XXXX XXXX XXXX which misstates the 30-day dispute period required by federal lawXXXX XXXX XXXX XXXX, I exercised my rights under the Fair Debt Collection Practices Act (FDCPA) by mailing a written debt validation request via Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I requested proof of a valid contract, an itemized accounting, and documentation proving their legal standing to collect. USPS tracking confirms the company received my request on XXXX XXXX XXXXAs of now, the debt collector has failed to provide any validation or respond. Under the FDCPA, 15 U.S.C.  1692g(b), a debt collector must cease all collection activity upon receipt of a timely dispute until the requested verification is mailed. The collector\'s failure to provide validation while continuing its collection effort is a violation of this federal requirement.XXXXI am requesting that the CFPB investigate these unlawful practices and require the company to:XXXX1. Cease all collection activity on this account.XXXX2. Delete any related information from all consumer reporting agencies.XXXX3. Provide written confirmation that the account is closed and will not be sold or transferred.'

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello and thank you for your attention. I am submitting this complaint as a consumer who wishes to fix inaccuracies on my credit report. I kindly ask TransUnion to reinvestigate the following accounts and inquiries to ensure that each item complies with FCRA accuracy standards. 

Charged Off Accounts in Dispute : XXXX, XXXX XX/XX/XXXX, {$5700.00} XXXX, XXXX XX/XX/XXXX, {$7300.00} XXXX, XXXX XX/XX/XXXX, {$0.00} XXXX, XXXX XX/XX/XXXX, {$0.00} XXXX, XXXX XX/XX/XXXX, {$0.00} XXXX, XXXX XX/XX/XXXX, {$160.00} Inquiries in Dispute : XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX I am unsure about several of these inquiries and respectfully request copies of authorization or permissible purpose documentation from each party. 

Late Payments in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My account with EQUIFAX XXXX  XXXX  was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions 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.

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 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: 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: VA

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 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:
Equifax has intentionally breached an agreement to permanently remove & block this account that is falsely reporting information without my knowledge & or consent. This name of that company is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

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: GA

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 21 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 non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: HYUNDAI CAPITAL AMERICA
State: DC

Complaint narrative:
I am a first-time car buyer. When I purchased my vehicle from XXXX Hyundai, I was told verbally that my existing lease payment setup would transfer automatically to my new finance account. I was never provided with an account number, welcome package, or any login information for Hyundai XXXX XXXX ( XXXX ). 

According to XXXX, they mailed my welcome package and account number to the dealership two days after my purchase. However, the dealership never provided it to me. As a result, I had no way to make payments online, by phone, or by mail. I tried using the Hyundai Finance app, but it required an account number I never received. 

I also never received any phone calls or emails about missed payments, even though XXXX had my correct contact information from my previous lease. 

I later learned that XXXX had created the account internally and reported multiple late payments to the credit bureaus, even though I was never onboarded or given the information needed to make payments. My vehicle was repossessed and I was charged related fees due to this onboarding failure. 


Supporting details : I have an open complaint with Hyundai XXXX XXXXXXXX XXXX XXXX and a XXXX  complaint against XXXX Hyundai for failure to provide onboarding materials.

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: MI

Complaint narrative:
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! 


XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sincerely request your help in reviewing the following items on my credit report. I am working hard to rebuild my credit and simply want everything to reflect the truth. Please ensure that all accounts and inquiries listed below are verified with supporting records from the furnishers. 

Accounts in Dispute ( Charged Off ) : XXXX Acct No. XXXX Reported XX/XX/XXXX Balance {$0.00} XXXX Acct No. XXXX Reported XX/XX/XXXX Balance {$0.00} Inquiries in Question : XXXX XX/XX/XXXX Late Payment Accounts for Verification : XXXX XXXX Acct No. XXXX XXXX XXXX Acct No. XXXX XXXX Acct No. XXXX XXXX Acct No. 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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Good day. I sincerely ask for your help in reviewing the accounts and inquiries listed below. I am currently trying to fix and rebuild my credit, and I respectfully request that Equifax re-investigate these items for accuracy and compliance under the Fair Credit Reporting Act ( FCRA ). I simply want my credit report to reflect only complete and verifiable information. 

Accounts in Dispute Charged Off : XXXX XXXX XXXX Acct No. XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  Acct No. XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Acct No. XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Acct No. XXXX Date : XX/XX/XXXX Balance : {$21000.00} These accounts are showing as charged off, but I am unsure if all verification and documentation have been properly reviewed and validated. I respectfully request Equifax to obtain complete records from the furnishers showing proof of charge-off, date of first delinquency, and running statements in accordance with FCRA 607 ( b ) and 611 ( a ). 

Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries. Please request documentation from each company showing that I provided express written consent as required by FCRA 604 ( a ) ( 2 ). If no such authorization exists, kindly remove these inquiries.

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: EQUIFAX, INC.
State: LA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I wasnt aware they sold my truck at an auction and when they did sell it i didnt know for how much or anything.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was at Macys checkout when an employee signed me up for a credit card that I did not consent to be signed up for. The employees first language was not XXXX so there was a lot of miscommunication. They told me I was just opening up a Macys account to get a discount, next thing I know a credit card arrives at my house. I tried to sign in and call Macys but because I did not create an account, I could not get through and they were extremely unhelpful, likely because they did not want me to close this card.

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: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I am filing this complaint because ChexSystems and Bank XXXX XXXX have reported an account that I did not open, authorize, or use. The account in XXXX Bank XXXX XXXX, XXXX  # : XXXX / XXXX is the direct result of identity theft. 

I have never had any personal, business, or financial relationship with Bank XXXX XXXX under this account. I became aware of the issue after reviewing my ChexSystems report, which shows this fraudulent account. This inaccurate information has harmed my ability to open legitimate bank accounts and is causing me financial and emotional distress. 

I have already submitted a formal dispute to ChexSystems, along with supporting documentation including : My government-issued photo ID Proof of current address A copy of my FTC Identity Theft Report ( and/or police 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 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year>, I noticed multiple unauthorized XXXX XXXX charges on my Chime debit card ending XXXX, totaling approximately {$290.00}. I immediately turned off my card, reported the transactions, and had a replacement card issued. 

At the time these transactions occurred, my original card was turned off in the Chime app, meaning it should not have been able to process any debits. I submitted my official XXXX XXXX purchase history, which clearly shows no matching transactions, proving that the charges were not made on my XXXX account or any of my devices. 

I filed my formal dispute on XX/XX/year>, after the transactions finished pending. Chime closed the dispute in less than XXXX hours over a weekend without conducting a reasonable investigation or providing any verification data. The only proof Chime supplied was a list of transaction entries, with no device logs, IP data, or merchant authorization details connecting me to the purchases. 

Under Regulation XXXX ( XXXX CFR XXXX ), financial institutions must perform a reasonable investigation before denying a consumers claim. Chime and its partner bank, XXXX XXXX XXXX, XXXX, failed to meet that requirement.

Company response to consumer: Closed with explanation