vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Ignored repeated calls, told them they have the wrong person

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear CFPB, On XX/XX/year>, I initiated a wire transfer to my Bank of America ( BoA ) checking account with the intention of using it as my primary account. On XX/XX/XXXX, I changed my mind and decided to transfer the funds back to my XXXX XXXX account. However, due to a delay in the wire verification process and because I had a mortgage payment due the same day I canceled the outgoing wire and instead used my BoA debit card to make the payment, which went through successfully. 

This morning, XX/XX/year>, I discovered that my checking account had been closed without any prior notice or explanation. When I contacted BoA customer service, I was told the account closure was a business decision, but no other information was provided. 

I then visited my local branch, the same representative who had previously helped me cancel the outgoing wire, assisted me again and was fortunately able to release my funds today. 

Additional Context : I was recently laid off from my job, and Ive been doing my best to stay on top of all my financial obligations making sure my bills are covered and drafted from the correct accounts. Having a bank unexpectedly close my account during such a sensitive and stressful time has made things significantly more difficult, and Im still left without an explanation or reassurance about what happened. 

Steps Ive Taken : Called BoA customer service was told business decision with no further explanation. 
Visited a local branch recovered my funds with the help of a BoA employee. 

Impact : Unexpected loss of access to my account and funds. 
Added financial stress during a vulnerable time following a job loss. 
Concern over possible inaccurate reporting to XXXX  or similar agencies. 

Thank you for your time and attention. 

Sincerely

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 2025-05-19 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: TX

Complaint narrative:
I am, and this is my one and only address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't agree with the accounts listed below which still appears on my credit report even after re-investigation. 
I would like the accounts immediately re-investigated, these inaccuracies are highly injurious to my credit rating. 
INCORRECT ADDRESSES 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UMB FINANCIAL CORPORATION
State: WV

Complaint narrative:
I was 2 days late paying on my account. My minimum balance is usually {$120.00} due by the XXXX of the month. I usually pay {$200.00} to pay it off quicker. 
I was a few days late in XXXX and paid on the XXXX XXXX I was charged over {$260.00} minimum and was told that was a late fee and interest because it was past due. 
I paid the amount, yet was charged the same the next month getting a double penalty

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within 15 days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am writing to dispute an unauthorized hard inquiry that appears on my XXXX credit report from Bank of America, dated XX/XX/year>. I did not apply for any credit, loan, or financial product with Bank of America, nor did I authorize them to access my credit report. This inquiry is negatively impacting my credit profile without justification. I contacted XXXX to request the removal of this inquiry, as it was not initiated by me. However, they have failed to take appropriate action or provide any documentation that would verify my authorization of this inquiry. I am requesting that the Consumer Financial Protection Bureau assist in investigating this matter. Specifically, I want XXXX to : XXXX. Remove the unauthorized inquiry from my credit report XXXX. Provide a clear explanation of how this inquiry was verified ( if they claim it was ) XXXX. Prevent future unauthorized inquiries from appearing without my consent

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 2025-05-19 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: IL

Complaint narrative:
Please consider this a formal request to block and remove the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I authorize their creation. In accordance with USC 1681g, I ask that they be removed within 15 days. Supporting documents are included for your careful consideration. Additionally, the reported account details vary across the bureaus and contain discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I have documented at least XXXX payments which have been taken from my bank account from " DEPT EDUCATION STUDENT LN '' that were meant to go to specific loans, which have not been applied to any loans and which the Mohela website shows no record of. The withdrawals total to {$2600.00}. I called Mohela to ask about it, and after being on hold for XXXX full hours, I was told that they did not know what happened and to submit documents on their website for proof. I have submitted the documents about XXXX weeks ago but wanted to submit a complaint here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am filing a follow-up complaint # XXXX regarding the reporting of a charged-off Target credit card account with a balance of {$970.00}. XXXX has confirmed that the account was charged off on XX/XX/year>, and no Form 1099-C was issued because the debt was not settled. However, the continued reporting of this account raises multiple concerns under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), and the Fair Debt Collection Practices Act ( FDCPA ), specifically as it relates to the accuracy, completeness, and substantiation of the reported debt.

Under 15 U.S.C. 1681i ( a ), I am entitled to dispute any information I believe is inaccurate or incomplete. A charge-off is an internal accounting term, and it does not necessarily reflect a legally enforceable or collectible debt. Targets response did not provide any validation of the debt, such as a signed contract or accounting of the charges. Simply stating the account was charged off is insufficient to validate the current debt status, particularly when XXXX claims it no longer services the account and has passed it to a third party ( XXXX XXXX ). 

Furthermore, under 15 U.S.C. 1692g of the FDCPA, if a debt is in collection, I have the right to request proper validation from the current collector. XXXX did not provide the contact history or transfer documentation showing that the alleged debt was legally assigned or sold to XXXX XXXX. This omission raises concerns about chain of custody and legal ownership of the debt. 

Additionally, the FCRA requires that information furnished to credit reporting agencies must be complete and accurate. Reporting a charged-off balance that may no longer be collectible and doing so without providing any documentation or consumer disclosures ( like a 1099-C ) may be considered misleading and detrimental to my credit profile. The lack of documentation and clarity about the legal standing of the debt creates an unfair and confusing situation for consumers trying to resolve legitimate credit disputes. 

I am requesting that this account be removed from my credit reports with all bureaus unless the furnisher or collector can provide : 1. A copy of the original signed agreement ; 2. A detailed accounting of the balance due ; 3. Documentation that confirms the debt was legally transferred or assigned to XXXX XXXX ; and 4. Proof that the continued reporting of this account complies with IRS requirements, FCRA standards for accuracy, and FDCPA validation rules. 

If the creditor or collector is unable to fully validate the account or confirm legal ownership and enforceability, then the account should be removed from all credit reports as inaccurate, unverifiable, and potentially misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Van Ru Credit Corporation
State: SC

Complaint narrative:
Van Ru collection agency, they garnished my wages and caused financial distress and hardship, they garnished XXXX plus dollars. Van Ru credit corporation ( XXXX XXXX XXXX United States District Court ND Illinois XXXX XXXX Case No XXXX, etc.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: N.A.R., Inc.
State: UT

Complaint narrative:
I was recently served court papers for an old medical debt I wasnt aware of from XXXX XXXX XXXX. After receiving them, I contacted the collection agency who was NAR to get more information. Once I reviewed the details, I acknowledged that I owed the debt, but I disputed the amount owednot the debt itself. 

The collection agency was unwilling to negotiate or settle for a lower amount, so I reached out to the original creditor directly. They informed me that I could dispute the amount with them, and that someone from their team would contact me. I submitted the dispute as instructed and waited, but after about a month with no response, I called again. 

During that call, I was told not to worrythe matter was still under review and I didnt need to deal with the collection agency while waiting to hear back. Based on that, I waited for follow-up contact that never came. 

Now, Ive discovered that a judgment has been entered against me for more than the amount I initially disputed. When I reached back out, I was simply told that they were sorry no one got back to mebut that nothing can be done to reverse or fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was trying to purchase a set of tires online. I decided to use PayPal as the payment source. It offered me two options : Pay in 4 and Pay Later.

I selected Pay Later to explore the monthly option. Due to my Fraud Alert, it used me to called into PayPal for verification. 
I called on on XX/XX/XXXX to speak to some on and complete the verification. The representative said to go ahead and try the payment again. I proceed with the same payment process and it gave me an " You Are Approved '' decision. 
It gave me 2 options, 6 month and 12 month. I selected 6 months at XXXX percent with a payment of {$160.00} and starting date of XX/XX/XXXX. 
As I read through the Truth In Lending Disclosure and proceed with completing the order, it gave an error message " Oops, something went wrong '' I then tried the payment again and it removed the option.

I then placed " 2 '' calls to PayPal and was told it was no declined due to a credit free. I was told to unfree my credit report and try again. 
I then unfreezed my Equifax report and tried multiple times and it continue to decline me from the monthly option. 
I then called again to PayPal and coincidently spoke tot the same person XXXX from my first call and he he advised there were no issue on his end. He decided to transfer me to their Pay In 4 and Pay later department.

When there " foreign '' representative answer the call, he did absolutely NOTHING. I kept having to repeat myself over and over with the same issues and the representative sill cant comprhend that I was APPROVED. I also informed him that I unfreeze my report still nothing worked.

Representative had no information or solution to offer. Simply said they cant see anything!

Total of 4 calls and over 1.5 hours and NOT ONE single person can clarify the error.

I clearly received an approval as it even gave the Truth In Lending Disclosure with all details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: RI

Complaint narrative:
On XX/XX/year>2025, I attempted to submit a follow-up dispute through XXXX online portal regarding a closed collection account from XXXX XXXX XXXX While the account is no longer listed under the active Collections section, it is still present on my report with a closed, derogatory status, which continues to negatively impact my credit. 

I previously submitted a dispute regarding this account in XXXX and did receive a response from Equifax, which stated that the account had been verified and would remain. However, the account has since been deleted entirely from XXXX  and is now the subject of an active CFPB complaint with XXXX XXXX Complaint ID # XXXX ) due to their failure to provide proper verification or dispute documentation. 

When I attempted to file a new or follow-up dispute on XX/XX/XXXX, the Equifax portal blocked me, incorrectly stating the item was under investigation, despite there being no open disputes at the time. This effectively prevented me from exercising my rights under FCRA 611 to pursue a reinvestigation, especially given new material facts ( such as deletion from another bureau and ongoing federal review ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-05-19 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am demanding the immediate deletion of the inaccurately reported collection account by Jefferson Capital Systems from my credit file due to clear violations of the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). 

The same alleged debt is being reported under multiple, inconsistent account numbers across all three major credit bureaus : - XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX This is misleading, confusing, and factually inaccurate. It may also constitute duplicate reporting or re-aging of debt, both of which are illegal under federal law. Furthermore, if this debt can not be validated with accurate documentation proving ownership, balance, and chain of assignment, it must be deleted immediately. 

This is a formal dispute and demand for deletion, not correction. 

You are hereby put on notice : - If this account is not removed within 30 days, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
- I will also consider taking legal action for damages due to inaccurate credit reporting and harm to my creditworthiness.

I demand that this collection account be : 1. Permanently deleted from all three credit bureaus.

2. Accompanied by written confirmation of removal within 30 days as required by law.

Company response to consumer: Closed with explanation