vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Unlawful Handling of Billing Error Dispute by XXXX and Bank of America & Unfair Practices by XXXX XXXX XXXX XXXX XXXX I am filing a formal complaint against SoFi and Bank of America for their failure to adhere to the Fair Credit Billing Act ( FCBA ) in handling my chargeback disputes. 
The merchant, XXXX XXXX XXXX XXXX ( XXXX XXXX ), engaged in a " rug pull '' scheme. I made purchases based on their advertised Terms of Service, which guaranteed the ability to redeem winnings. On XX/XX/year>, the merchant unilaterally removed this function, breaching their contract and rendering my accumulated winnings of over {$40000.00} worthless. 
XXXX and Bank of America ( personal credit card division ) denied my valid disputes, citing reasons that violate the XXXX, such as claims that the disputes were " past the timeframe '' or that " services were rendered. '' This is incorrect, as the error occurred on XX/XX/year>, making my disputes timely, and the service was clearly not delivered as agreed. 
Crucially, other financial institutionsXXXX XXXX and Bank of America 's own Corporate Card divisionhave already reviewed these same facts and correctly processed the chargebacks in my favor. This demonstrates that XXXX and BofA 's personal card division are misapplying federal law where other banks are not. The merchant also has a documented history of ignoring consumer complaints, having failed to respond to 70 of 73 complaints filed with the XXXX XXXX XXXX 
I have attached my comprehensive appeal letter sent to the banks, which includes photographic and documentary evidence of the merchant 's breach of contract and my financial damages. I request the CFPB 's intervention to compel XXXX and Bank of America to conduct a proper investigation as mandated by law and reverse these charges.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I looked at my hard inquiries today a I know I should have XXXX on there but I noticed I have XXXX in there XXXX from on banking company called XXXX  and the other on is XXXX XXXX I am not financing nothing trough XXXX  and I dont have any credit card with XXXX  XXXX so I would like for those to be removed Trans Union said that they can not removed it due to how long it been since it gotten on my credit report and said I should try you guys

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 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I opened this account on XX/XX/year>, from XXXX XXXX XXXX XXXX. This credit card was later closed with no balanced owe by me. The Bank did not close out the account properly and later sold the account to collection. There was never a {$140.00} balance owed by me due to the short term that the account was opened. The company sold my paid off account to LVNV Funding LLC/ Resurgent Capital Service for debt collection. This debt company has violated the FCRA. They are reporting false account information to the Credit bureau. The formation they are reporting is false, not accurate. This debt company has violated Federal law and fail to adhere to debt collection compliance. This company has done irreparable damage to my credit due to the false information given to them by the original creditor. This account was paid and closed prior to LVNV Funding LLC ever taking possession of the account. I have contacted the original creditor who said they would take care of this mishap and correct the issue, but it has not been done. I called Resurgent Capital Service on XXXX XXXX and discussed the issue and resolve the mistake they assured me on recorded call that this issue would be resolved legal and ASAP. I have reported this debt company to the FTC for violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
The details of the disputed account are as follows : XXXX, Account Number ( or last 4 digits ) : XXXX This charge-off is being reported inaccurately for the following reasons : 1. Unverified Information Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a reasonable investigation into disputed items. I request that you provide written verification of this charge-off, including documentation from the original creditor proving its validity. If the the original creditor can not verify the charge-off, it must be deleted immediately per 15 U.S.C.

1681i ( a ) ( 5 ) ( A ).

2. Inconsistent Reporting If there are any discrepancies between how this charge-off is reported across different credit bureaus, this may be a violation of 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure maximum possible accuracy.

3. Unlawful Balance Reporting If the charge-off is still reporting a balance, this may be an FCRA violation, as charged-off accounts should not continue to accrue new interest or fees if sold to a collection agency. If applicable, I request that you correct or remove any inaccurate balance.

If this charge-off can not be properly verified within 30 days, as required by the FCRA, then this item must be removed from my credit report. If you determine that the charge-off is valid, please provide a detailed explanation, including the name and contact information of the entity that verified the account.

You are required by federal law to verify- through the physical verification of the original signed consumer contract- and all accounts you post on a credit report. I demand to see verifiable proof ( an original Consumer Contract with my Signature on it ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The details of the disputed account are as follows : XXXX, Account Number ( or last 4 digits ) : XXXX This charge-off is being reported inaccurately for the following reasons : 1. Unverified Information Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a reasonable investigation into disputed items. I request that you provide written verification of this charge-off, including documentation from the original creditor proving its validity. If the the original creditor can not verify the charge-off, it must be deleted immediately per 15 U.S.C.

1681i ( a ) ( 5 ) ( A ).

2. Inconsistent Reporting If there are any discrepancies between how this charge-off is reported across different credit bureaus, this may be a violation of 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure maximum possible accuracy.

3. Unlawful Balance Reporting If the charge-off is still reporting a balance, this may be an FCRA violation, as charged-off accounts should not continue to accrue new interest or fees if sold to a collection agency. If applicable, I request that you correct or remove any inaccurate balance.

If this charge-off can not be properly verified within 30 days, as required by the FCRA, then this item must be removed from my credit report. If you determine that the charge-off is valid, please provide a detailed explanation, including the name and contact information of the entity that verified the account.

You are required by federal law to verify- through the physical verification of the original signed consumer contract- and all accounts you post on a credit report. I demand to see verifiable proof ( an original Consumer Contract with my Signature on 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
Consumer complaint received 2025-07-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please help me investigate accounts from these companies that inaccurately show late payments on my credit report. I have checked my report and found some accounts with incorrect late payment notations. These accounts should have no late payment remarks. Kindly remove these remarks and update the accounts as agreed to positive status.

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 2025-07-03 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: AR

Complaint narrative:
Im completely XXXX and have filed a complaint with XXXX XXXX XXXX they did not properly investigate, nor did. They provide me proof that they investigated my claims these accounts were open fraudulently in my name, as I am not able to see or agree to any agreement nor did I approve any agreement to be opened in my name or credit card the judge has ruled this not to be my debt.

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 2025-07-03 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: AR

Complaint narrative:
Im completely XXXX and have filed a complaint with XXXX XXXX XXXX they did not properly investigate, nor did. They provide me proof that they investigated my claims these accounts were open fraudulently in my name, as I am not able to see or agree to any agreement nor did I approve any agreement to be opened in my name or credit card the judge has ruled this not to be my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: AR

Complaint narrative:
Im completely XXXX and have filed a complaint with XXXX XXXX XXXX they did not properly investigate, nor did. They provide me proof that they investigated my claims these accounts were open fraudulently in my name, as I am not able to see or agree to any agreement nor did I approve any agreement to be opened in my name or credit card the judge has ruled this not to be my debt.

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 2025-07-03 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-03 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-03 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$19000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: IL

Complaint narrative:
( Account # XXXX ) To : Zions Debt Holdings This is a formal complaint against your company for reporting an account ( XXXX ) to the credit bureaus without any valid proof or contractual agreement on my part. 

You are in violation of FCRA 1681s-2, which requires furnishers to report only accurate and verifiable data, and FDCPA 809, which requires debt validation.

I demand : A copy of the original agreement with my signature Proof you have authority to report or collect this debt Chain of assignment and communication records If you can not validate this debt with full documentation, you must remove it from my credit reports and cease any collection attempts. Continued reporting without validation is unlawful.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
i callled american express regarding 2 charges i did not recognize. they said thwy needed to send me a new credit credit card. i sais this would be a problem because i am traveling out of country. they said no problem you can still use existing card just not online. this was not the case. i alm now stuck outside country without a working card. i have spoke to XXXX different agents who all say they are fixing the problem. they all tell me different stories and nothing gets fixed. i am shocked at how bad their service and follow up is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WI

Complaint narrative:
I am requesting the full deletion of my XXXX  student loan account serviced by MOHELA and currently owned by XXXX, due to numerous legal and administrative irregularities that invalidate the legitimacy and enforceability of the debt. 

XXXX. MOHELA and XXXX have failed to provide any valid chain of title documentation proving legal ownership or transfer of my loans, which were originally held under the now-defunct XXXX  program XXXX Under 34 CFR 682.410 ( b ) ( 4 ), servicers and guaranty agencies must maintain accurate and complete records of each loan and all transfers. I have requested this through dispute channels, and they have not provided anything to satisfy this requirement. 

XXXX. The reported interest history contains multiple inconsistencies, including irregular capitalization patterns and unexplained interest accrual during long periods of forbearance and deferment. These errors are material and affect the accuracy of the loan balance. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which requires furnishers to report accurate and complete information. 

XXXX. The IRS Form XXXX issued by MOHELA for XXXX XXXX XXXX contains questionable information, including a return address that does not match the period I resided at my current location. Furthermore, MOHELA became the servicer in XXXX, yet claimed interest payments for a year they were not servicing the loan. 

XXXX. XXXX  has already removed this account after my dispute. XXXX  removed XXXX out of XXXX trade lines. XXXX  continues reporting all XXXX, which highlights further inconsistency in how this loan is being handled and verified across systems. 

XXXX. I am not requesting documentationI am demanding the cancellation of this debt due to non-compliance, unverifiable ownership, reporting inaccuracies, and the servicer 's failure to meet legal obligations under federal law. 

Please investigate this matter thoroughly and require MOHELA and XXXX to delete this account and cease all collection or reporting activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I Emailed on XX/XX/year>. - no response received. 

I called on XX/XX/XXXX. i was told that i am unable to talk to anyone in the loans department. I was told a letter will be send, i have not received a letter. 

I Emailed again on XXXX XXXX i have receive no reply. 

I used chat function on XX/XX/XXXX. i was advised i would receive an email by end of week. It is now XXXX week past and i have received no email. 

The company is nonresponsive to my request to correct their automated payoff info. their refusal means i continue to pay the interest yet i am able to pay off the loan.

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