vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: NC

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-27 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: EQUIFAX, INC.
State: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-27 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: EQUIFAX, INC.
State: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: NC

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. 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 anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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 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 7 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. 

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 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 2025-12-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: Self Financial Inc.
State: MA

Complaint narrative:
I opened a Self Credit Builder Account and Self XXXX card. I paid off the full Credit Builder loan in XX/XX/year>. Self confirmed {$550.00} ( from loan ) held as XXXX deposit + remaining loan funds ( {$200.00} deposit minus {$16.00} fees ) would be paid out in weeks. Within 2 weeks, they closed my XXXX  for alleged fraudulent activity and unverifiable info ( despite my verified loan ). I requested verification stepsignored. Later : account frozen, then payout soon. Now, after 2+ months and no funds, they claim no payout scheduled. No fraud explanation, no written statement despite requests. This violates their policy : XXXX deposit refunds due 10-14 business days post-Credit Builder closure They also falsely reported that my Credit builder account was closed XX/XX/year> but it had already been over a month since I closed and paid everything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have a XXXXXXXX XXXX XXXX  issued by Comenity Capital Bank. From XX/XX/XXXX through XX/XX/XXXX, I was charged a {$41.00} late fee every month due to an automatic payment date error. The total amount of late fees charged during this period is approximately {$820.00}. 

The {$820.00} amount consists only of late fees. The card was not used to incur this balance, and these charges are not the result of purchases or cash advances. This balance accrued solely from repeated late fees that I was unaware of at the time. 

Automatic payments were set up and being made every month through XXXX XXXX XXXX XXXX bill pay, but the payment date was mistakenly set a few days after the statement due date. I was unaware of this and believed the automatic payment was paying the full balance each month. 

I was enrolled in paperless statements, so I did not receive any mailed notices alerting me to these late fees. I was also unable to access my online credit card account until XX/XX/XXXX, which prevented me from seeing the repeated late fees as they were occurring. During this time, I was unaware that the late fees were accumulating. 

This was not an intentional failure to pay or refusal to pay. The issue resulted from an auto-pay setup error combined with lack of online account access. 

After discovering the issue, I corrected the automatic payment date to prevent future late fees and contacted Comenity Capital Bank to request a goodwill adjustment for the high amount of repeated late fees. My request was denied ; I was only offered {$15.00} as a courtesy credit. 

I am requesting a review and resolution of the repeated late fees and any related charges that resulted from this automatic payment error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax Credit Reporting is giving a hassle with my the deletion for XXXXXXXX XXXX XXXX- with documentation showing deleted with XXXX. I have contacted XXXX XXXX XXXX but I have not received a response and it shows the company website is not effective with login.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: FL

Complaint narrative:
I am submitting this complaint against TransUnion LLC for failure to conduct a reasonable reinvestigation and failure to comply with the Fair Credit Reporting Act ( FCRA ).

TransUnion issued a dispute response dated XX/XX/year> stating it could not process my dispute because it was unable to determine the nature of my request. I subsequently submitted a procedurally cured dispute identifying each account, masked account numbers, and specific inaccuracies using data reflected in my XXXX  credit report dated XX/XX/year>. 
Despite this, TransUnion continues to report inaccurate and unverifiable information and has failed to provide documentation demonstrating compliance with 15 U.S.C. 1681e ( b ) and 1681i.

Additionally, I submitted a Method of Verification request pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), requesting disclosure of the procedures and documents used to verify the disputed accounts.

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 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
XXXX bank approved payment over the phone before interest would be due on XX/XX/XXXX! They said it was not on there end that the payment did not go through! I checked with my bank and they said there was no attempt from them! So I made auto payments for 1 year to pay only what I owed them with no interest and canceled auto pay! they would not work work with me! then in XXXX they sold it to Portfolio Recovery Ass.LLC I apealled it 2 or 3 times and each time I requested that they listen to the pay off recording! I spoke to the manager and he said he did not have access to the phone recordings! Thats a lie and they also refuse to listen to it! How can I make them listen to it and hear the proof that my over phone payment was approved!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
I am extremely concerned because accounts that are not accurate are still appearing on my credit report, and they were never removed. This situation has left me overwhelmed and anxious, so I am urgently asking that all the documents I submitted be carefully reviewed so I can finally stop worrying about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: AL

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX XXXX  TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX TransUnion, XXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX TransUnion ( XXXX ), TransUnion paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : === CHARGE OFF === 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 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 2025-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
There is fraudulent collections account from the company XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. This is not my debt. I never lived in XXXX and this is not my account. I am a victim of Identity Theft and have a report with FTC. Please remove this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlantic Recovery Solutions LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding Atlantic Recovery Solutions ( ARS ), a third-party debt collection agency collecting a XXXX account. 
I was on a payment plan with ARS for a balance of approximately {$2300.00}. After being late on a payment by 1 day, ARS added a flat {$75.00} fee to the account. No interest is accruing on this account. 
This {$75.00} fee is not authorized by my original XXXX account agreement and was added solely due to a missed payment on a collection payment plan. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692f ) and Texas Finance Code 392, a third-party debt collector may not collect any fee, charge, or penalty unless it is expressly authorized by the original contract and permitted by law. A missed payment on a collection payment plan does not authorize late fees or penalty charges. 
I dispute this {$75.00} fee as an unlawful and unauthorized charge. I have requested correction of the balance, but the issue has not been resolved.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-27 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: GA

Complaint narrative:
On or about XX/XX/XXXX, Bank of America closed my deposit account and later furnished information to XXXX  and XXXX XXXX XXXX indicating Suspected Fraud Activity. The account involved unauthorized third-party activity ; I dispute any implication that I personally committed fraud. 

On XX/XX/XXXX, I submitted a formal written dispute requesting verification of the fraud designation and documentation supporting that classification under the Fair Credit Reporting Act. I specifically requested evidence showing that I personally engaged in or authorized fraudulent activity. 

Bank of America responded by updating the account status to No Monetary Loss, confirming that no balance is owed. However, Bank of America continued to report the account as Suspected Fraud Activity without providing any supporting documentation or explanation substantiating that fraud attribution. 

XXXX XXXX XXXX has confirmed in writing that it does not possess account-level documentation and relies entirely on Bank of America as the furnisher of the information. 

Bank of America has not provided documentation supporting the fraud designation, and the reinvestigation appears incomplete. The continued reporting of an unverified fraud designation has prevented me from opening new bank accounts and accessing basic financial services.

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 2025-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Hollis Cobb Associates
State: AL

Complaint narrative:
I have received a notice from Hollis Cobb Associates , LLC for {$4200.00}, dated XX/XX/year>, on behalf of XXXX XXXX in XXXX, AL. The debt is obviously fraud, as it is more than my max out of pocket for the year, and I checked all of EOB ( explanation of benefits ) for the last three years, and altogether they equal less than {$1000.00} for multiple visits. After looking at their reviews on the XXXX XXXX XXXX as they are threatening people directly, the CFPB needs to look into these aggressive scammers. I have already sent my dispute via email and will send it via certified mail. I will also be retaining an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: MS

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. 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 anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 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