vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing this complaint against Bank of America regarding a closed credit card account that is inaccurately and unlawfully reporting a late payment to the credit reporting agencies. This misreporting is damaging my credit and appears to involve multiple federal violations. 

The account in question was closed as of XX/XX/year>, yet Bank of America continues to report a late payment. Reporting a new delinquency on a closed account is misleading, inconsistent with the Fair Credit Reporting Act ( FCRA ), and violates XXXX XXXX data formatting rules. This has had a direct negative impact on my credit standing. 

I have also requested verification and supporting documents directly from Bank of America but have not received any meaningful evidence to justify the reporting. I believe the company is in violation of the following federal statutes and obligations : FCRA 1681e ( b ) : Failure to report with maximum possible accuracy.

FCRA 1681s-2 ( b ) : Failure to reasonably investigate and correct disputed information.

TILA 1666 & 1666b and Regulation Z : Bank of America may have failed to properly notify me of any post-closure fees or delinquencies, or failed to send billing statements 21 days before due dates as required by federal law. 

XXXX XXXX Compliance Violation : Closed accounts can not be reported as actively delinquent without proper status code and payment rating reconciliation. 

IRS Code 6050P : If Bank of America discharged this debt and submitted a 1099-C to the IRS, continuing to report a balance or delinquency would constitute double reporting.

Securitization Disclosure Failure ( TILA 1641 ( g ) ) : If the account was securitized, Bank of America may no longer be the real party in interest, and failed to disclose this transfer as required.

FDIC & OCC Oversight Violations : As a nationally regulated bank, Bank of America is obligated to maintain data integrity systems and properly handle consumer disputes. Failure to comply with these duties raises safety and soundness concerns. 

I have requested all relevant documents including billing statements, securitization records, XXXX XXXX XXXX XXXX, insurance contracts, and Form 1099-C ( if applicable ), but have received no response or verification.

This dispute has now become a matter of legal concern, and I am requesting the Consumer Financial Protection Bureau to investigate Bank of Americas furnishing practices and compel correction or deletion of this derogatory information. 

Thank you for your assistance in upholding 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 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/2025 Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, XXXX  XXXX Subject : Complaint Against XXXX XXXX for Unfair Credit Reporting XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX ( XXXX XXXXXXXX XXXX, XXXX, XXXX  XXXX ) for inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ). A late payment was reported on my mortgage account ( Loan Number XXXX ) for XX/XX/2025, due to a failure in XXXX  XXXX XXXX XXXX ( XXXX ) bill pay system during the XXXX merger , completed XX/XX/2025. This error was beyond my control, yet it was reported to XXXX XXXX, and TransUnion, causing my and my wifes credit scores to drop over XXXX points and resulting in a higher auto refinance rate from XXXX ( 5.74 % instead of 5.49 % APR ). 

I notified XXXX XXXX of this issue via their online system on XX/XX/2025, providing evidence of the payment correction, XXXX acknowledgment of fault ( confirmed by Branch XXXX XXXX XXXX ), and my payment history. Despite this, XXXX XXXX failed to respond or correct the report. Enclosed are copies of my payment records, XXXX correspondence, and the XX/XX/2025 letters to XXXX XXXX. 

Under the FCRA, I request that the CFPB : Compel XXXX XXXX to investigate and remove the inaccurate late payment from my credit reports. 

Ensure XXXX XXXX provides written confirmation of the correction to all three credit bureaus. 

Address XXXX XXXX failure to respond to my prior correspondence. 

Please contact me at XXXX or XXXX within 30 days to confirm receipt and provide updates on the resolution. Thank you for your assistance in addressing this matter. 

Sincerely, XXXX XXXX Enclosures : Payment records XXXX XXXX XX/XX/2025 letters to 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 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal mailed me a check for {$41.00}. there was a class action lawsuit. So, i contacted customer service to inquire and they connected me with multiple people in unclaimed property. All of the communication with unclaimed property was via email. No live person. I was told they could not give me information regarding the check because it was associated with another account, another email. I found the other account associated with the check. The account associated with the check is connected to my other email XXXX. I signed on to the other account to see if i can find info on the check, and suddenly i was locked out. I called customer service and was told it was locked because i have an outstanding balance from 2016. If there is a balance how am i suppose to pay it if i cant even see it, why hide the information. Its suspicious that i inquire about a class action lawsuit then suddenly the account is closed. They refused to open it. Unless I paid them Almost {$200.00}. Furthermore. 2016 is past the statue of limitations. It needs to be validated. its not even valid. They had no right to lock the account, and someone needs to address this check and the class action lawsuit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We hired XXXXXXXX XXXX XXXXXXXX in XXXX XXXX. They promoted a financial option to spread payments out over XXXX  months without interest charges. They established a Wells Fargo credit card account ending in XXXX for us in XXXX XXXX in the amount of {$6000.00}. We made regular monthly payments in the amount of {$400.00} each and then ultimately decided to pay off remaining balance of {$800.00} XXXX XXXX on XX/XX/year>. As such, it was paid in full well before the XXXX  months was up. 

When we discovered that Wells Fargo has been continually showing a balance due of {$400.00} despite the account being paid-in-full, we contacted Wells Fargo in XXXXXXXX XXXX  . It is now XX/XX/year> and they STILL have not resolved this issue despite our providing proof of full payment several times to the XXXX XXXX Department. This is further frustrating because our checking account is ALSO with Wells Fargo so this debacle is entirely WITHIN the Wells Fargo Bank organization! 

As a result, our excellent credit agency scores have been impacted negatively and unnecessarily. We've reached the limit of patience with Wells Fargo.

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 2025-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Aqua Finance, Inc.
State: TN

Complaint narrative:
I purchased a water filter through XXXX XXXX on XX/XX/year>, financed by XXXX. For financial reasons, I can no longer continue making the payments. In XXXX of this year, I contacted the selling company to return the equipment, but they have not accepted the return or offered any solution. 
I also sent an email informing them that I would report it to the FTC and received no response. More than 15 days have passed without a reply. Aquafinance tells me that it can not cancel the contract without XXXX XXXX receiving the product, but the company refuses to cooperate. 
I request that I be allowed to return the product and close the financial contract. 

Please, I really need help. I have no way to continue paying that money, and I'm not using the filter. The filter is uninstalled and packaged.It 's {$62.00} a month that I have to pay for 5 years and I have no way to pay it right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXXL - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$50.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
I reported a fraud to cash app about a mobile mechanic scamming me out of {$350.00}. He was supposed to fix my alternator and made my car catch on fire while I was driving XXXX long distance trip from XXXX to XXXX and back. I provided proof to cash app that the merchant refused to fix the car when I pointed out the same night he fixed the car that the check engine light was on and they still denied my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a checking account with Wellsfargo in XXXX. The account number is XXXX and 30 years later Wells Fargo has decided to label My account high risk with all XXXX credit bureaus! The climate that we are in along with Wellsfargos past and current treatment of minorities makes me questioned why Wellsfargo picked my 30 year in this business relationship with them to list my account as high risk. I wouldnt have known they did this had I not been seeking employment and the employer asked about it and I couldnt answer. All I know is I have held the account for XXXX calendar years. I have never heard of a checking account in good standing be listed as high risk and I want it removed. I want it to say what my counterparts accounts say that have held the account for 30 years. This is systematic racism at best and it needs to stop in 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 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Removal of Fraudulent Information under 15 U.S.C. 1681c2 To Whom It May Concern : I am writing to formally dispute and request the removal of fraudulent and inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2.

This section grants me the right to have information resulting from identity theft or unauthorized activity blocked from my credit file. I have identified the following items on my credit report that I did not authorize and believe to be the result of identity theft or error : Creditor Name : 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 AND XXXX XXXX XXXX Account Number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Reported Balance : {$9400.00}, {$3300.00}, {$1000.00}, {$0.00}, {$850.00}, {$450.00}, {$31000.00}, {$1000.00}, {$390.00}, {$930.00}, {$660.00}, {$670.00}, {$740.00} Date Opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Reason for Dispute : This account was opened fraudulently and without my knowledge or consent. 
In support of this request, I am providing the following documentation as required under 15 U.S.C. 1681c2 : A copy of a valid government-issued photo ID Proof of residence ( e.g., utility bill, lease agreement ) A copy of the police report or identity theft affidavit Please conduct an investigation into these matters, and as required by federal law, block this fraudulent information from appearing on my credit report. I request written confirmation once the disputed information has been removed. 
Thank you for your prompt attention to this matter. I look forward to your response within the XXXX timeframe as required by the FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-16 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: GA

Complaint narrative:
The XXXX XXXX XXXX, XXXX XXXX is reporting to Experian and Transunion that I owe {$19000.00}. I have respectfully disputed this inaccuracy for XXXX years, asking for the credit bureaus to have XXXX perform and investigation of the resale and to update my credit report with the correct balance after the car was resold. Each time the credit bureau respond ; they respond XXXX validated this is the correct amount. Equifax was the only responsible credit bureau that did perform their due diligence and removed the account due to the inaccurate information. 

On XX/XX/XXXX, I contacted the car dealership I purchased the car from and explained the issue I was having with XXXX. They kindly pulled up my purchase from XXXX and showed me the data from when the car was sold and what dealership purchased the car. 

I am kindly and respectfully asking CFPB to investigate this inaccurate reporting on my credit report from XXXX XXXX XXXX. I am asking for this information to be completely removed or updated to the accurate amount if they are able to contact XXXX XXXX XXXX in XXXX ; GA from Experian and Transunuion.

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 2025-07-16 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX  Date XXXX XX/XX/year>

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 
15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NC

Complaint narrative:
I have reported to the credit bureaus that I have a closed account with XXXX XXXX I have provided a letter and the copy of the recorded satisfaction deed with the bureau 's and still it shows I have a balance of {$100000.00} ... I want it to show paid off and closed how hard is it!!!

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