vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
They gave me a deferment but ask me to start making payments and I dont have it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Americor Funding, LLC
State: MN

Complaint narrative:
CFPB Complaint : Americor Funding XXXX XXXX XXXX XXXX XXXX  Company Names : Americor Funding XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TN XXXX Product : Debt-relief / debt-settlement program Issue : Unauthorized electronic withdrawals/ misrepresentation What Happened I enrolled in a debt-relief program through Americor Funding, which uses XXXX XXXX XXXX as its payment processor . 

On or around XX/XX/2025, Americor scheduled an unauthorized draft for {$280.00} dated XX/XX/2025. I immediately objected. Both Americor ( a representative named XXXX XXXX and XXXX later confirmed in writing that my correct and guaranteed draft amount was {$120.00} beginning XX/XX/2025 and going forward each month. 

Despite those written assurances, XXXX and Americor continued to withdraw {$140.00} per month ( including XX/XX/2025 ) without my consent or any new authorization form. I never approved the {$140.00} figure, and no updated authorization was provided. 

These repeated unauthorized ACH debits caused my checking account to become negative and generated bank fees. I have preserved emails and confirmations showing the agreed amount ( {$120.00} ) and the actual unauthorized drafts ( {$140.00} ). 

This conduct appears to violate the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and constitutes deceptive and unfair practices under federal law. 

What Im Requesting Immediate refund of all unauthorized payments ( {$140.00} each month XXXX number of overdrafts ). 

Reimbursement for all resulting overdraft fees. 

Written confirmation that my ACH authorization is revoked and that no further withdrawals will occur. 

Full CFPB investigation into Americor and XXXX practices of altering payment schedules after written guarantees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am filing this complaint regarding XXXX  XXXX XXXX failure to honor its publicly advertised promotional offer for the Customized Cash Rewards credit card. On XX/XX/year>, I applied and was approved for this card, reasonably relying on the enhanced 6 % cashback offer that Bank of America publicly announced on XX/XX/year>, effective XX/XX/year>, for all new cardholders nationwide. 

Despite applying after the promotion became active, I was later informed that my account was enrolled in an outdated standard 3 % offer. In its written response dated XX/XX/year>, the bank stated that a standard offer was mailed to me on XXXX XXXX though the 6 % promotion was already active at that time. 

I understand the bank XXXX argue that my application was tied to a prior offer version, but this reasoning is inconsistent with the banks own public representations. My application occurred after the 6 % campaigns official launch, and internal offer versioning or mailing systems should not override the terms of the publicly available promotion. 

This situation constitutes misleading and inconsistent marketing practices and has caused direct financial harm, as I used the credit card based on the expectation of receiving the 6 % cashback that was clearly advertised. I respectfully request that the CFPB review this case and that Bank of America ( XXXX ) reimburse the lost cashback difference, and ( XXXX ) apply the 6 % promotional rate for the remainder of the first 12 months.

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 2025-10-21 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US BKPT CT FL XXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Florida XXXX Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US BKPT CT FL XXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Florida XXXX Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: NM

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Greetings, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-10-21 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-21 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Our business has had its funds held by American Express for nearly two months without any explanation or resolution. Around XX/XX/year>, our business account was suddenly placed on hold with approximately {$500000.00} in available funds. Since that date, we have repeatedly contacted American Express to ask for an update, including : The reason for the account hold or review A date when the review would be completed When the funds would be released or available Whether the account could be closed and the remaining balance sent by check Despite numerous phone calls and follow-ups, American Express has not provided any clear answers, written explanation, or timeline for when the funds will be released. We were told the account was under review, but no one at the company can explain why or when it will end. 

This situation has severely impacted our business operations. We have ongoing expenses and employees to pay, yet we can not access our own funds. American Express continues to hold the balance without communication or justification. 
We are requesting that the Consumer Financial Protection Bureau investigate this matter and require American Express to immediately release our business funds or provide a clear and verifiable explanation for the ongoing hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am currently a customer with XXXX XXXX, and Ive experienced repeated problems with unexpected negative balances and overdraft situations even though I transfer money before making purchases. 

In the past, I had similar experiences with XXXX XXXX, Chase Bank, and XXXX  XXXX, but I am no longer active with those institutions. XXXX is my only current bank. 

My practice is to maintain multiple accounts within the same bank and transfer funds between them when I need to make a purchase. For several months this works fine, but then without warning, transactions begin posting out of sequence or after delays, and my account suddenly goes negative or shows insufficient funds. 

I have overdraft protection turned off, yet I still see negative balances and occasional overdraft-related activity. Ive contacted the banks, and they usually tell me to review my transactions or offer to issue new card and account numbers. However, the issue continues even after these changes. 

This recurring issue has caused me to incur overdraft fees and debt with multiple banks over time, even though Ive managed my money responsibly by transferring funds ahead of purchases. It has negatively affected my finances and my ability to maintain stable banking relationships.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NC

Complaint narrative:
My name is XXXX XXXX complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against multiple creditors and credit reporting agencies for reporting inaccurate, misleading, and unverifiable information on my credit report. These violations have significantly harmed my credit standing, caused emotional distress, and reflect a serious lack of compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
The accounts and information in question are listed below XXXX XXXX XXXX XXXX ( DATE : XX/XX/year> ) This hard inquiry was made without my authorization or consent. I did not initiate any credit application or transaction with XXXX XXXX. Under FCRA 604 ( a ) ( 2 ) and 604 ( f ), a consumer reporting agency is prohibited from releasing credit information without permissible purpose or authorization. Therefore, I am requesting the immediate removal of this inquiry as it violates my consumer rights and has negatively affected my credit score. Any inquiry made without my consent is unlawful and must be deleted to maintain compliance with federal regulations. 
These false and unverified items collectively represent serious violations of my consumer rights. The credit reporting agencies have failed to follow procedures to ensure accuracy, as required by FCRA 607 ( b ), and the furnishers have failed to correct or delete information after disputes, violating FCRA 623 ( a ) ( 2 ). 
I have tried to dispute these items directly with the credit bureaus, but the responses I received were generic and dismissive, showing no real effort to conduct a proper reinvestigation. This neglect shows a systemic issue in verifying consumer information, and I am requesting the CFPBs direct intervention to hold these entities accountable. 
Requested Resolution : Delete the wrong address immediately from my credit file. 
Delete or correct the unverifiable charge-off accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX. 
Remove the unauthorized inquiry from XXXX XXXX. 
Ensure all credit bureaus ( XXXX XXXX TransUnion ) update my file accurately and provide me with a corrected credit report. 
Require the furnishers to provide proof of ownership, signed agreements, and payment history, or permanently delete the items. 
I am attaching copies of my government ID, proof of current address, and a copy of my recent credit report showing these inaccuracies. I am respectfully requesting CFPBs help in compelling these institutions to comply with federal law and restore accuracy and integrity to my credit profile. 
Thank you for your attention and assistance.

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 2025-10-21 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:
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