vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America reported a XXXX late payment on my secured credit card account for XX/XX/XXXX. The account was opened in XX/XX/XXXX, has a {$500.00} credit limit, and is currently paid with a {$0.00} balance and reported as pays as agreed. 

I disputed the reported delinquency with the consumer reporting agencies. Following my XXXX dispute, XXXX updated multiple fields on the account, including historical account information and additional account data. The account balance and payment-related fields were corrected ; however, the XXXX delinquency code for XX/XX/XXXX remained without explanation or documentation. 

I also disputed the account through XXXX On XX/XX/XXXX, XXXX completed its investigation and similarly updated multiple account fields, including balance, last payment date, payment status, and historical data, while leaving the reported delinquency in place. 

Despite partial corrections made by multiple consumer reporting agencies, Bank of America has not provided documentation establishing that the account met the legal definition of a XXXX delinquency. I have not been provided with confirmation of the contractual due date for the XX/XX/XXXX billing cycle, the payment receipt date versus posting date, the applicable payment crediting rules, or evidence that the account exceeded XXXX days past the contractual due date rather than being affected by processing or statement cycle timing. 

Updating positive account data while continuing to report a delinquency without substantiation raises concerns regarding the accuracy, completeness, and consistency of the account status being furnished. I am requesting that Bank of America either provide full transaction-level substantiation supporting the reported delinquency or correct the account status to ensure accurate credit reporting.

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 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/XXXX, I discovered an unauthorized PayPal transaction for {$980.00} that I did not make or approve. I do not recognize the recipient/merchant and did not receive any goods or services related to this transaction. 

On XX/XX/XXXX, I reported the transaction to PayPal through the Resolution Center and the case is labeled Unauthorized. The case is currently pending review. 

Because this was fraud, I contacted my bank on XX/XX/XXXX and advised them the transaction was unauthorized. The bank blocked/returned the attempted withdrawal so the funds were not released from my bank account. 

After the bank returned the transaction, PayPal showed a negative balance as Amount due to PayPal of - {$980.00}. I am requesting that PayPal complete the unauthorized investigation and remove/reverse the - {$980.00} amount due that resulted from this fraudulent transaction, and confirm that I am not responsible for the unauthorized activity. 

I can provide documentation showing the bank blocked/returned the transaction as fraud if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am a victim of identity theft. ChexSystems is reporting bank account information that resulted from identity theft and does not belong to me. 

The following items were opened or used without my knowledge or authorization : XXXX ( Account Abuse {$3000.00}, closed XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( Account Abuse {$670.00}, closed XX/XX/XXXX ), and XXXX XXXX XXXX ( Non-Sufficient Funds activity {$590.00}, closed XX/XX/XXXX ). 

I did not open, authorize, or benefit from these accounts. I have submitted an FTC Identity Theft Report and supporting documentation. 

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), ChexSystems is required to block and delete information resulting from identity theft within XXXX business days of receipt. 

I am requesting immediate deletion of these items, prevention of re-reporting, and written confirmation of 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 2025-12-24 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
This is my XXXX complaint, and it remains unresolved. You are requested to stop closing my complaints without resolution. As referenced in the attached company letter dated XX/XX/XXXX, which I have not yet received, the company has failed to acknowledge the {$400.00} paid for the XXXX statement. 

In XX/XX/XXXX, I called your customer service team regarding a payment I thought had been applied to my Macy 's account. I informed the representative that I would check with my bank, as the payment was made through online bill pay. I called back the next day and confirmed that the payment had been misdirected to another payee and that I would go to a Macy 's store to make the payment myself. I also requested that any late charges be waived, which the representative agreed to. However, without my request or authorization, the initial representative created a dispute on my account, which led to significant confusion and complications. XXXX months later, I was informed by a family member that her Macy 's payment was reversed and her account debited, with the explanation that her payment had been applied to my account-which is entirely false. To make matters worse, your representative allegedly asked my family member to verify my personal information-while I was not on the call, and without my knowledge or permission. This is a serious violation of my privacy rights. Since then, my account has been wrongfully debited, and I have been attempting to resolve this situation for XXXX year without resolution.

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 2025-12-24 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: AR

Complaint narrative:
I dispute the late payment and delinquent status currently being reported on my account. These remarks are incorrect and do not reflect my actual payment history or agreed payment terms. Please investigate and update the account to Paid as Agreed, and remove any delinquency notations from the reporting as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am NOT claiming identity theft. I am disputing inaccurate, incomplete, and unverified credit reporting under the Fair Credit Reporting Act ( FCRA ). 

Despite submitting disputes, the following accounts continue to be reported with conflicting information, inconsistent account classifications, and unverifiable statuses : * XXXX XXXX Charged-off installment account reporting conflicting activity dates and a profit and loss write-off without proper disclosure or verification. 
* XXXX XXXX XXXX ( XXXX ) Account reported with inconsistent classifications and statuses across credit bureaus, with no validation of ownership or chain of assignment despite being disputed. 
* XXXX XXXX Account reported as a charge-off while simultaneously showing positive payment history and inconsistent term and activity dates. 

These errors demonstrate a failure to conduct a reasonable reinvestigation and a failure to provide the method of verification, in violation of 15 U.S.C. 1681g ( a ) ( 1 ), 1681i ( a ) ( 1 ) ( A ), and 1681i ( a ) ( 6 ) ( B ) ( iii ).

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am NOT claiming identity theft. I am disputing inaccurate, incomplete, and unverified credit reporting under the Fair Credit Reporting Act ( FCRA ). 

Despite submitting disputes, the following accounts continue to be reported with conflicting information, inconsistent account classifications, and unverifiable statuses : * XXXX XXXX Charged-off installment account reporting conflicting activity dates and a profit and loss write-off without proper disclosure or verification. 
* XXXX XXXX XXXX ( XXXX ) Account reported with inconsistent classifications and statuses across credit bureaus, with no validation of ownership or chain of assignment despite being disputed. 
* XXXX XXXX Account reported as a charge-off while simultaneously showing positive payment history and inconsistent term and activity dates. 

These errors demonstrate a failure to conduct a reasonable reinvestigation and a failure to provide the method of verification, in violation of 15 U.S.C. 1681g ( a ) ( 1 ), 1681i ( a ) ( 1 ) ( A ), and 1681i ( a ) ( 6 ) ( B ) ( iii ).

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 2025-12-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Climb Credit Inc.
State: ID

Complaint narrative:
Important clarification : The school associated with this private student loan is XXXX, a private online XXXX XXXX XXXXXXXX is not available in the CFPB school selection list, so XXXX XXXX XXXXXXXX was selected only as a placeholder to proceed past a required dropdown field. I did not attend XXXX XXXX XXXX. 

XXXX abruptly ceased operations and closed, and no further classes are being offered. The school is no longer reachable, and the support email address provided by the school is invalid. As a result, I am unable to complete the educational program tied to this loan or obtain assistance from the school. 

Despite the school closure, my private student loan remains active and is being serviced. I contacted my loan servicer to request information regarding appropriate relief or resolution options for a loan tied to a closed school, including whether payment suspension, discharge, or other accommodations may apply. 

The loan servicer did not provide meaningful guidance or resolution options and has continued servicing and collecting on the loan without addressing the school closure or the lack of educational services being provided. 

I am submitting this complaint because I am unable to obtain adequate customer service or clear information regarding my options for a private student loan associated with a school that has permanently closed and is no longer reachable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I never opened or authorized this account, and it is being reported incorrectly under my name.

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 2025-12-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint NOT because of identity theft but because EXPERIAN has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA specifically 15 U.S.C. 1681i, regarding the investigation and resolution of disputed inaccuracies on my credit report. I discovered inaccurate and/or unverifiable information on my credit report, including the following accounts : Account Name : XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/year> Account Name : XXXX XXXX XXXX Account # XXXX Date Opened : XX/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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing two accounts on my credit report that are not being reported with maximum possible accuracy. This complaint is not made in error. The information being furnished on these accounts is inaccurate and misleading, and it continues to negatively affect my credit standing and financial stability. During an already challenging time, the presence of these inaccuracies has caused unnecessary stress and hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: OH

Complaint narrative:
Jefferson Capital Systems is reporting inaccurate and misleading information on my credit report for a XXXX XXXX XXXX that has been paid. 
Despite payment, Jefferson Capital is reporting duplicate collection tradelines for the same debt with different balances, no payment history, and conflicting account classifications. The accounts are listed as both open accounts and collection accounts, which is inaccurate. A paid collection can not be reported as an open account, nor can the same debt be split and reported multiple times. 
Additionally, the tradelines do not clearly reflect the paid status, continue to show balances, and lack complete payment history, making the reporting incomplete and misleading. 
I disputed this information previously. Jefferson Capital has failed to correct or remove the inaccurate reporting. This reporting has caused ongoing harm to my credit profile, including interference with employment and military eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports. 

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-24 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:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports. 

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA - UNPROCESSED CREDIT CARD APPLICATION & UNREPORTED HARD INQUIRY I applied for a Bank of America credit card on XX/XX/year>. The application was flagged for fraud verification, which I understand is normal. 

On XX/XX/year>, I called Bank of America 's fraud verification department and provided all requested information to complete the verification process. The representative indicated my information was verified.

Since that call, I have contacted Bank of America customer service multiple times ( at least 3 times ) attempting to learn the status of my application. I have also checked the Bank of America online application status portal repeatedly- it shows no record of my application.

To date - more than 90 days after applying- I have received : - No approval notification or credit card - No formal denial letter - No adverse action notice explaining any denial - No communication whatsoever regarding my application status REGULATORY VIOLATIONS : 1. The Equal Credit Opportunity Act requires creditors to notify applicants within 30 days of action taken on their application. Bank of America has failed to provide any notification.

2. Bank of America pulled my credit ( hard inquiry visible on my credit reports ), but never processed my application to completion or made any credit decision. This inquiry is inaccurate under the Fair Credit Reporting Act because it implies a credit evaluation occurred when none did.

3. The application has no resolution path provided.

I have attempted to resolve this directly with Bank of America multiple times without success, which is why I am filing this complaint with the CFPB.

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 2025-12-24 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: SC

Complaint narrative:
b'I am submitting this as my XXXX  formal dispute regarding inaccurate information currently\nappearing on my Experian and Equifax credit report. Despite my previous dispute submission and supporting\ndocumentation, the errors outlined below remain uncorrected, misrepresenting my credit history and\ncausing tangible harm to my financial reputation and creditworthiness. I am requesting a full\nreinvestigation and verification of each item in strict compliance with the Fair Credit Reporting Act\n(FCRA) 607(b), 609(a), 611(a), 623(a)(2), and 605(a) to ensure my credit file reflects only\naccurate, complete, and verifiable information.\n\nXXXX XXXX XXXXBalance Owed:XXXX\XXXXXXXX XXXX\XXXX  XXXX\XXXXXXXX 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