vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: MO

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit report. Please find the details of each account listed below, separated by credit bureau. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
Please remove the inaccurates 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 non-monetary relief
Consumer complaint received 2025-12-18 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: KS

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
CONTRACT CALLERS INC Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX GA XXXX is reporting on my credit report as collections for XXXX XXXX in the amount of {$600.00}. This is not my account nor do i give permission to report on my credit. i have sent company a certified letter for this dispute as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: DC

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
A Regions Bank representative told me on a recorded call that overdraft fee refunds of {$100.00}, {$100.00}, and {$72.00} were approved ( totaling {$280.00} ). These amounts correspond to Regions {$36.00} overdraft fees. 

I checked my account and no credits posted. On subsequent contacts, I was told policy allows only one refund per year and Regions is refusing to honor what was represented on the recorded call. 

I am not requesting a courtesy refund. I am requesting that Regions honor the refunds that were stated as approved or provide a written explanation after reviewing the recorded call.

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 monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/XXXX I was sent {$58.00} by my wife, bringing my XXXX  balance to {$60.00}. I attempted on XX/XX/XXXX to transfer the balance to my XXXX account using Visa+ in the Venmo app and was declined. I attempted to send it back to my wife so that she could deposit it, and it was declined. I attempted to add a new debit card to my account, this was declined. 

I contacted customer service every day, sometimes multiple times, attempting to solve this problem. I have received the same canned responses over and over again, and when I attempt to escalate to a supervisor, they close the chat and I do not hear from a supervisor. On XX/XX/XXXX I finally did hear from a supervisor, and they said the same thing as the live agent in the app. I did not hear a response from them when I questioned further. 

I have said to them multiple times that I just want my money and I just want to understand. This has been extremely frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
These accounts are not mine, and I request they be removed within the 15-day statutory period.

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 2025-12-18 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 obtained a copy of my consumer report and notified your agency multiple times ; about the items I disputed. I sent my notice to your agency, which included an FTC Identity Theft Report, and filed a complaint with the CFPB. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me as required by the Fair Credit Reporting Act ( FCRA ).

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 2025-12-18 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: NC

Complaint narrative:
I obtained a copy of my consumer report and notified your agency multiple times ; about the items I disputed. I sent my notice to your agency, which included an FTC Identity Theft Report, and filed a complaint with the CFPB. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me as required by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: POM Recoveries, Inc.
State: NY

Complaint narrative:
Per the attached call logs you will see from XXXX XXXX XXXX  ( that is as far as my phone logs will go with spam ) this company keeps calling me for a debt I do not owe, I have not received a letter or email from anyone, my credit report is clear of any debts, my medical history is clear of any medical debts. if you call the number back it states you take full responsibility of the debts being collected so I hung up and never called back again the company name is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX Main # XXXX, Fax # 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 2025-12-18 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-18 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-18 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: MO

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit report. Please find the details of each account listed below, separated by credit bureau. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am submitting this complaint regarding Bank of America. My husband and I both own a savings account through a trust account. He has been a customer since XXXX. I believe the bank failed to provide proper and timely notification about a significant interest rate reduction on our account, which prevented us from making informed decisions regarding our finances. 
Between XXXX and XX/XX/XXXX, the interest rate on my account was reduced from 2.84 % to 0.03 % a drastic reduction. We maintained the required minimum balance of {$25000.00} specifically to qualify for the higher interest rate. At no point did Bank of America notify me of this upcoming change. I received no email, letter, message, or alert, nor was any notice posted in my online banking portal. 
Upon discovering the reduction on our own, my husband called Bank of America for an explanation. A " support ticket '' was opened but we were never given a ticket number or received any follow up. He also visited a Bank of America branch to request clarification. The bank staff were unable to explain why we did not receive advance notice, nor could they tell him why no communication was sent regarding a change that materially impacted the accounts earnings. 
I expect transparency and proper disclosure of material changes, especially those affecting account terms, interest rates, or financial returns. When we opened the savings account, BOA did disclose to us that the interest rate was subject to change but I was led to believe I would at least be notified of the interest rate change. I did not realize the interest rate change until a few months later after reviewing banking statements. The lack of notification prevented me from making necessary choices regarding my funds, and I believe this constitutes an unfair and deceptive practice. 
I respectfully request that the CFPB review this matter and determine whether Bank of America failed to meet its obligations regarding timely disclosure of changes to account terms and interest rates. I also request that Bank of America be required to provide an explanation and remedy for the failure to notify me.

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 2025-12-18 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: NM

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from 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 2025-12-18 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: NM

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from 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 non-monetary relief
Consumer complaint received 2025-12-18 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: KS

Complaint narrative:
I submitted a PSLF Buyback request in XX/XX/2025 for seven qualifying months. All PSLF employment has been fully certified and approved. 

Despite opening a formal feedback case with Federal Student Aid in XX/XX/2025, I have not received a determination, explanation, or timeline. MOHELA has stated they are awaiting direction from FSA. 

This prolonged delay prevents completion of my PSLF progress and is causing financial and administrative harm.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I DISPUTE THIS REPORTED LATE PAYMENT AS ERRONEOUS.

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 2025-12-18 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: Atlanticus Services Corporation
State: IL

Complaint narrative:
On XX/XX/XXXX I was admitted to the hospital. While I was in the hospital I fell into a XXXX  and my purse was stolen from my room. Because I was in a XXXX, I am not exactly sure what date my purse was stolen other than it was some point after XX/XX/XXXX. I did not know it was stolen until my discharge on XX/XX/XXXX. My purse contained my wallet with XXXX credit cards, driver 's license, social security card, and cell phone. XXXX of my credit cards were used to make purchases in California. Both cards are issued by the same bank. I provided proof of my hospitalization and police report to the issuer of the cards and they still refuse to credit my accounts for the charges. Stating that the reason is because someone accessed my accounts online thru my cell. As I explained to them the thief also had my cell phone, which is also on the police report. Because I had a XXXX XXXX XXXX XXXX the with the credit card applications installed and the user name and passwords saved the thief had easy access to logging in and did so. I reported my disputes with the cards on XX/XX/XXXX and again on XX/XX/XXXX and they still refused to give me credit with all the evidence I provided. The first card is XXXX  ( XXXX ) in the amounts of {$71.00} at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$71.00} at XXXX XXXX XXXX in XXXX XXXXXXXX XXXX  and {$9.00} at XXXXXXXX XXXX XXXX XXXX XXXX  In XXXX XXXX, CA. The other card was XXXX ( XXXX ), in the amounts of {$38.00} at XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$37.00} at XXXX XXXX XXXX in XXXX XXXXXXXX XXXX  {$130.00} at XXXX XXXX XXXX in XXXX XXXX XXXX  and {$58.00} at XXXX XXXX in XXXX XXXXXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I received multiple emails stating that there were 2 separate checking accounts opened in my name and used as online access only through well fargo premier online banking only. Wells Fargo confirmed that these are fraudulent attempts and the accounts have now been frozen by wells fargo until the investigation is completed. These accounts were opend on XX/XX/year>XXXX  and XX/XX/year>. Wells Fargo states that someone has my full ID, social, address, birthdate and email and has been successful at establishing these accounts. Wells Fargo encouraged myself to report to the FTC about the identity theft while they are continue thier investigation.

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Credit acceptance has not provided proof of lien on title, proof of voluntary surrender, or any claims that they are abiding by federal law. Coercion of asset being practiced see document attached for full complaint and 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 explanation
Consumer complaint received 2025-12-18 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: TN

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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