vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America has created a new online process for a BOA customer to pay their BOA credit card from their BOA checking or savings account. Instead of paying it like other vendor bills, you have to do a transfer process. 
I created a transfer to take place on XX/XX/XXXX ( a Saturday ) to pay my BOA credit card from my BOA checking account. On Monday XX/XX/XXXX a get an email notification for BOA that my credit card payment is due soon ( due date is XX/XX/XXXX ). So I checked my accounts and the ~XX/XX/XXXX had been withheld out of my BOA checking account on XX/XX/XXXX, but was still pending payment towards my BOA credit card on XX/XX/XXXX. During a online chat I was told it would be applied XX/XX/XXXX. 
How can BOA ask for a new process to make payment then hold or delay my money for THREE days beyond the schedule transfer date I set up in their system. Does this give them THREE days to hold my cash. If I had scheduled this transfer for the last day before the due date, would I have been late and charged fees. 
This really doesn't seem right to me. 
Thank you.

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 2025-10-27 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hunt & Henriques
State: CA

Complaint narrative:
Hunt & Henriquess response is a new false statement. The payment history documentation they provided is a self-written list, not the original record. The payment method ( automatic withdrawal ) was set up by Hunt & Henriques with my bank account information, and I was excluded of any link to their payment platform, having no access at all, not even able to see my payment record and any notification. All payment actions were controlled from their side. 
They claim three payments were returned due to insufficient funds, dated on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I received returned payment notification only once by email from attorney XXXX XXXX on XX/XX/XXXX. I immediately added enough money when seeing the email on XX/XX/XXXX, and replied to him and Hunt & Henriquess attorney XXXX XXXX that they could try again ( attached ). As per my rights under the Fair Debt Collection Practices Act, I request Hunt & Henriques to provide the following proofs : 1 ) Copies of original notification emails to me, and attorney XXXX XXXX original emails forwarding them to me if they were so sent as claimed, for the two returned payments dated on XX/XX/XXXX and XX/XX/XXXX, proving that Hunt & Henriques made timely notifications. 
2 ) Original records showing that reattempts were made and failed again after I was notified of the returned payments, for all the three returned payments, proving that the claimed defaults were caused by my side. 
Moreover, Hunt & Henriques still did not send the overdue proof of the debt even when the request was made once again in my complaint! Please send it in as requested ASAP! 

Providing further false statement like in their response only aggravates the fraud. I hereby demand that Hunt & Henriques immediately conduct all requested actions in my complaint and stop continuing to cause damage by such fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/XXXX I ordered XXXX items from a seller on XXXX. Unfortunately the items were not delivered. Subsequently on XX/XX/XXXX I contacted the seller but unfortunately I have received no response. On XX/XX/XXXX I contacted the Barclays card on purpose to dispute XXXX orders ( XXXX ) for XXXX and ( XXXX ) for {$3.00} for total of {$13.00}. Unfortunately the XXXX based XXXX demanded to know what was purchased regardless of the fact that info is private. Subsequently I requested to speak with the supervisor which after a very long hold I was told was not available. 

XXXX question to Barclays is this : is it collecting data on consumer spending habits that has nothing to do with the nature of the dispute process? If yes please disclose it in its terms and conditions and the way this info is monetized and if not what is the purpose of asking the questions such as this? 
The only pertaining info which should be asked would be if the item was ordered, ( yes ), the relevant order # ( yes ) and if the items arrived ( no ). 

It is very troubling to see Barclays outsourcing the jobs to the XXXX center overseas that have absolutely no consumer protections or basic service standards. As a result I closed the other card associated with Barclays ( AA Aviator ) as I will not accept a substandard and arrogant customer service. And since I am a frequent flyer with the AA both domestic and international I will express my dissatisfaction with the level of service provided by the credit card company. I also have to say with the AA card originally issued by the XXXX there were never any issues such as this.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-27 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: NY

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : 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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: LA

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC for inaccurate and misleading credit reporting and for failing to address my repeated attempts to resolve the issue. 

Jefferson Capital is reporting an old debt originally from XXXX XXXX XXXX as a new collection account on my credit report. The original XXXX account became delinquent in XXXX and was removed from my credit report in XXXX. Jefferson Capital purchased this old debt in XXXX and re-reported it as a new account, which falsely makes it appear as a recent default. 

The letter from Jefferson Capital dated XX/XX/XXXX, clearly states that the debt is old and that I can not be sued for it because it is time-barred. However, their reporting to XXXX  lists the account as opened on XX/XX/XXXX, with a collection balance of {$9900.00}, creating a misleading impression of a new delinquency. 

I called Jefferson Capital multiple times to correct the issue and spoke with three different managers. Each manager told me there was nothing I could do and ultimately ended the call without offering help or documentation. This unprofessional conduct prevented me from resolving the issue directly and may violate the Fair Debt Collection Practices Act ( FDCPA ) standards of fair communication. 

Because of this inaccurate reporting, my XXXX XXXX XXXX was denied by the U.S. Department of Education due to the account being misclassified as a current adverse credit item. 

I have filed disputes with XXXX  and Jefferson Capital, as well as formal complaints with the XXXX XXXX XXXX XXXX XXXX ) and now the Consumer Financial Protection Bureau ( CFPB ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I received messages that My information was released into the data breach, i noticed multiple accounts that were not authorized by me, I have not authorized these accounts and I am victim of identity theft.

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 2025-10-27 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: FL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/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

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 2025-10-27 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XX/XX/XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: VA

Complaint narrative:
My background check report came back to me today with incorrect information, it says I'm a level XXXX XXXX offender and that's completely false, I'd like to send it back to fix it or I will be taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: WA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
My husband and I took out a personal loan with a loan company ; the loan contract stated that they would pay off another loan and a credit card. They paid off the loan and the credit card was never paid. I have been trying every day since the loan closing to get someone to please help me track down this check. The creditor has not received it or claims that they haven't received it. I can not get the loan office to help me or call me back. The date of closing was XX/XX/XXXX, it's over a month and no payment to the credit card. I need someone to track down this money or help me get my money back from the loan that we settled on. I have lots of dates and a paper trail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: AR

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Opportunity Financial, LLC
State: MN

Complaint narrative:
On XX/XX/XXXX, I attempted to repay a debt owed to Opploans/XX/XX/XXXX The original debt was for {$1700.00}. I reached out to XXXX, the debt collection agency that owned it. They gave me a settlement offer, and after I countered the offer on XX/XX/XXXX, I got an email saying that XXXX is no longer collecting the loan. 

I called Opploans on XX/XX/XXXX, and was told that they would need to check with the legal department to see if they are still collecting the debt, and they would call me within an hour. I never received that call. I called back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today, XX/XX/XXXX. Each time, I was told that they'd need to call me back because there is an error in their system preventing me from paying. Each time, I never received a call back. Today, the woman told me she would reach out to the legal department to see if I can pay them. I explained that I have been calling for a month and they NEVER call back, but she assured me she would. 

I explained that this company is the one thing standing between me and getting an apartment right now, and I requested a simple email explaining that I am TRYING to pay, but there is an error making it so they can't accept a payment. She refused to send that email and said only a lawyer could!! I am beyond baffled, I just want to pay the debt off!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: SC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
XXXXEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 explanation
Consumer complaint received 2025-10-27 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 explanation