vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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: LA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX | XXXX : {$0.00} XXXX XXXX  Account No. XXXX Date Opened : XX/XX/XXXX | Balance : {$31.00} XXXX Account No. XXXX Date Opened : XX/XX/XXXX | Balance : {$810.00} XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX | Balance : {$600.00} I dispute the accuracy, ownership, and reporting status of these accounts and request full verification. 

Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries and request documentation showing permissible purpose. 

Late Payments XXXX Account No. XXXX XXXX XXXX Account No. XXXX XXXX Account No. 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 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/year> around XXXX XXXX in the morning my account was compromise and withdrawn from for the amount of {$200.00} times and then the amount of {$25.00} once for a final transaction leaving my account balance at {$14.00} when I woke up that morning and I realized my account has been compromised. I immediately caught Cash app and started a dispute with my card obviously been compromised through Cash app. I canceled my card in order a new one. I have been in contact with Cash App six times since the XXXX I have sent them evidence that I still have my debit card and its still in my position and that the transactions were made in XXXX Illinois while I reside in XXXX, Michigan, Cash App has approved one of the appeals and denied the others, but they all were made at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: LA

Complaint narrative:
I am disputing the following information reported by Experian, which I believe is inaccurate, incomplete, or unverifiable. The discrepancies outlined below affect the accuracy of my credit report and must be investigated under the FCRA. 

INQUIRIES : 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 explanation
Consumer complaint received 2025-12-28 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: FL

Complaint narrative:
I am disputing the following accounts on my Experian credit report : Charged-Off Accounts : XXXX/XXXX  Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$470.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$10000.00}

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 2025-12-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: MI

Complaint narrative:
I am filing a complaint regarding a debt relief company ( national debt relief ). I enrolled with this company to assist in settling multiple credit card debts. 
I currently have approximately {$600.00} into a dedicated account as part of the program. The company successfully settled one account, which I was paying as agreed. However, the company did not settle my XXXX XXXX account, which subsequently escalated to a lawsuit. Due to this increased financial harm and risk, I terminated my participation in the program. 
After terminating the program, I requested the return of the remaining funds in my dedicated account. The company is refusing to return the money and claims it must be applied to fees, despite no settlement being completed using those remaining funds. 
I believe withholding my funds under these circumstances is unfair and deceptive. I am requesting assistance in obtaining the return of the remaining balance in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number XXXX [ XXXXXXXX XXXX XXXX XXXX XXXX ] FCRA SECTION XXXX RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: CO

Complaint narrative:
I am filing this complaint to dispute an inaccurate and unauthorized inquiry appearing on my Equifax credit report. Equifax is required under the Fair Credit Reporting Act ( FCRA ) to ensure that all inquiries are supported by a valid permissible purpose. The inquiry listed below does not meet that requirement. 

Inquiries in Dispute XXXX XXXX XXXX XXXXXX/XX/year> I do not recall authorizing this inquiry, nor was I provided written disclosure or consent. If Equifax can not provide proof of a valid permissible purpose as required under FCRA 604, this inquiry must be removed immediately. Continued reporting of unauthorized inquiries is damaging to my credit profile and constitutes non-compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: NJ

Complaint narrative:
I am disputing inaccurate credit reporting by XXXX XXXX  related to a credit card account that XXXX closed in XX/XX/XXXX. 

Throughout the life of this account, I consistently made payments on time and in accordance with the account terms. I was not delinquent prior to XXXX actions. 

On XX/XX/XXXX, XXXX closed the credit card account as part of an internal review. After closing the account, XXXX removed my online access and discontinued autopay from my checking account. Despite the closure, payments continued to be made through at least XX/XX/XXXX, with no indication of delinquency at that time. 

After XXXX removed my ability to make payments and did not provide timely notice of any alleged delinquency, XXXX began reporting late payments in XXXX, an inflated balance of approximately {$1400.00}, and a charge-off. At the time XXXX removed payment access, the balance was approximately {$300.00}. 

The increase from approximately {$300.00} to {$1400.00} occurred only after XXXX XXXX autopay and account access. Any interest, fees, or penalties assessed during this period resulted from XXXX actions, not from missed or late payments by me. Reporting these late payments, balance increase, and charge-off as consumer nonpayment is inaccurate and misleading. 

I previously disputed this information through XXXX XXXX and Experians online dispute systems. XXXX responded by stating the information was verified, but no corrections were made and no documentation or explanation was provided showing how late payments or a charge-off could occur after the account was closed and payment access was removed. 

XXXX previously confirmed in writing that it closed the account as part of an internal decision and restricted account access. XXXX has not provided documentation explaining how late payments or balance increases could occur after closure. I am requesting that XXXX Bank correct or delete the inaccurate balance, late payments, and charge-off, and update all credit reporting agencies accordingly.

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 2025-12-28 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: NJ

Complaint narrative:
I am disputing the following accounts reported by Equifax as they contain inaccurate or incomplete information that needs to be addressed. 

Disputed Accounts : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing inaccurate and unverifiable information on my TransUnion credit report that is negatively affecting my credit profile. After reviewing my report, I identified credit inquiries and late payment records that I do not recognize or agree with. 

Inquiries in Dispute : XXXX XX/XX/year> XXXX XX/XX/year> I do not recall authorizing these inquiries and have not been provided proof of a permissible purpose as required by law. 

Late Payments in Dispute : XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX Account ending XXXXXXXX XXXX XXXX The payment history being reported on these accounts is inaccurate and does not reflect my true payment activity. TransUnion is required under the FCRA to ensure that all information reported is accurate, complete, and verifiable.

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 2025-12-28 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:
I am submitting this complaint to dispute inaccurate, misleading, and unverifiable information on my TransUnion credit report. My review shows several accounts that are not being reported in compliance with the Fair Credit Reporting Act. 

Charged-Off Accounts in Dispute XXXX XXXX Account XXXX. XXXX Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXXXXXX Account XXXX. XXXX Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXXXXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Account No. XXXX Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX Account XXXX. XXXX Opened XX/XX/XXXX XXXX {$4800.00} XXXX XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance {$2500.00} Late Payment Accounts in Dispute XXXX XXXX Account No. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX Account XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, Ks. XXXX XXXX XXXX XX/XX/XXXX Bank Of America XXXX XXXX XXXX XXXX XXXX, NC. XXXX Subject : Request for Documentation of Interchange Fees Charged Dear Bank of America, I am writing to formally request detailed documentation of interchange fees assessed on transactions processed for XXXX XXXX XXXXXXXX, XXXX during the period XXXX XXXX XX/XX/XXXX. 

Specifically, I request : 1. Monthly merchant statements for the period XXXX. 
2. Transaction histories, including deposits, withdrawals, interchange fees, and chargebacks.

3. Copies of merchant agreements and any amendments.

4. Documentation of fees, deductions, or compliance notices applied to my account.

5. Any compliance filings or regulatory notices issued to my account. 
1. Itemized statements showing interchange fees charged per transaction, including card type and rate applied.

2. Copies of any schedules or agreements governing interchange fee assessments.

3. Historical summaries of total interchange fees deducted from our bank account by.

4. Transaction histories, including deposits, withdrawals, interchange fees, and chargebacks.

5. XXXX logs showing transaction routing and authorization details. 
6. Copies of merchant agreements and any amendments or agreements.

7. Documentation of fees, deductions, or compliance notices applied to my account.

8. Copies of preauthorization and post transactions amounts posted accounts on all activities include purchases, payments, cash advances, balance transfers, wires transfers, official ledger etc. of bank accounts. XX/XX/XXXX XX/XX/XXXX. 

This request is made pursuant to my rights under applicable consumer protection and banking regulations, including the [ Kansas Consumer Protection Act/ and oversight by the [ Kansas Office of the State Bank Commissioner.

If your office is unable to provide these records directly, please advise me of the appropriate channel or regulatory body to obtain them. I request a written response within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. Please confirm receipt of this request and advise of the next steps. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
Account # XXXX XXXX XXXX / Alleged Balance {$950.00} Formal Debt Validation Demand & Notice of FDCPA Violations To Whom It May Concern, I am writing regarding the above referenced account that you have reported to Experian as a collection account. I have never received any written notice from your company regarding this alleged debt, including the notice required under 15 U.S.C. 1692g ( a ), which must be sent within XXXX ( XXXX ) days of your initial collection activity. 
Reporting a collection account to a credit bureau constitutes collection activity. 
Because you never provided the legally required written notice, you are currently out of compliance with federal law. 
This letter serves as a formal dispute of this alleged debt and a demand for full validation. Until you provide proper validation, you must cease all collection activity, including credit reporting, as required by law. 
Provide the following : Itemized billing statements showing how the balance was calculated Service address tied to this alleged account Dates of service and date of first delinquency Proof that XXXX XXXX owns or assigned the debt to you Proof that I am legally responsible for this amount Copy of the 1692g ( a ) notice you claim was sent If you can not provide complete validation, you must : Delete the tradeline from my credit reports Cease all collection attempts Confirm in writing that the account has been deleted and closed Continued reporting or collection without validation violates the FDCPA and FCRA 623 ( a ) ( 1 ) ( A ).

Thank you for your cooperation. I will retain copies of this correspondence for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: NY

Complaint narrative:
I am formally disputing the following items appearing on my credit report dated XX/XX/year>, as they are inaccurate, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Uniform Commercial Code ( UCC ), and Metro 2 compliance standards. 
Disputed Hard Inquiries : XXXX. XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My Bank of America credit card accounts ( ending in [ last four digits ] ) were both in good standing at the time of closure. One account had a balance of approximately {$3000.00}, and the second account had a XXXX balance. I was current on all payments and had not missed or defaulted on any obligations. 

I was briefly enrolled with XXXX XXXX after being misled regarding the nature and impact of their program. Once I became aware of the potential harm, I immediately cancelled my enrollment and resumed full direct payments on my credit card accounts. 

Despite this, Bank of America closed both of my accounts without any prior warning. These closures removed {$17000.00} in available credit, dramatically increased my utilization ratio, and caused a severe decline in my credit score. This has resulted in my inability to obtain replacement credit and has significantly worsened my financial hardship, particularly as I maintain a mortgage and vehicle payment. 

At no time was I delinquent, in default, or in breach of my cardmember agreement. The closures appear to have been taken solely due to third-party notification of my brief enrollment with a debt relief company, rather than based on my actual account conduct. This has been detrimental to my entire life, I now have no safety net and have always paid my card on time and in full for 3+ years.

I believe these actions constitute unfair and disproportionate adverse action, causing material credit harm, and potentially violate federal consumer protection standards.

I respectfully request CFPB assistance to : 1. Investigate Bank of Americas decision to close these accounts 2. Correct any adverse reporting associated with these closures 3. Reinstate the accounts or restore the available credit where possible 4. Provide written confirmation of account status and resolution I am prepared to provide documentation of my cancellation with XXXX XXXX and proof of resumed payments. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I noticed a derogatory mark on my credit report from The Collection Bureau of America due to an outstanding XXXX XXXX XXXX bill that I was unaware I owed. I never received correspondence from XXXX XXXX  XXXX about my outstanding balance and when I tried to log into my existing XXXX XXXX XXXX account, I was not able to ( the login page makes me go through the account creation process and does not recognize my email address as XXXX that used to have an account associated with it ). When I requested information about the bill from CBA, they sent it and it reflects my old address as the address that the letter was sent to ( but I had moved out before it was sent ). I also requested that they remove the mark from my credit report and I was told the following via email by Sr. Vice President of CBA XXXX XXXX XXXX XXXX " Yes, we can offer a courtesy deletion once the account is paid in full. '' However, this is not reflected in my XXXX  or XXXX  Credit Reports. I have attached my communication with CBA Sr. VP below. Thank you so much for your review and help with this.

Company response to consumer: Closed with explanation