vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: WA

Complaint narrative:
I was using my Bank of AmericaXX/XX/XXXXXXXX card as a travel card for multiple international trips, which led to a higher balance than I had previously carried on this card. On the Bank of America App I had previously selected an auto pay method for the statement balance and purposefully, I removed this feature during my trip. The removal for autopay was in XXXX and my plan was to make gradual payments and then a lump sum payment in the month of XXXX, covering the charges completely. On XX/XX/XXXX an unauthorized transaction from Bank America was taken from my account for a statement balance of around {$9000.00}. This transaction was flagged by my bank and denied, resulting in a return of funds to Bank of America. I called the Bank of America customer service line and requested an answer to why a statement balance was pulled when I removed the autopay feature from my account. I was not able to get an answer from anyone ( case is : XXXX ). Prior to this, I had not had a single return payment and had paid consistently on time with banking XXXX. During this phone call I specifically requested that all autopay features be taken off of my account. It was confirmed with the customer representative on the phone and i specifically requested that this request be noted in my account. On XX/XX/XXXX another Bank of America unauthorized transaction occurred, the same situation as had happened in the previous month. This time, for a statement balance of {$12000.00}. This is after an authorized bill pay payment, made by me for {$4000.00}. I was sent a letter in the mail noting my account was shut down due to returned funds - even though I had not approved any type of auto pay on my account, thus these transactions should have never happened in the first place. I called the Bank of America customer service line and explained my issue. I was forwarded to the risk assessment team and was told than this was a bill pay issue and that in their system it shows I made a payment via autopay bill pay - which again, I specifically requested not to have on my account. Because of this my account was closed, and now it has severely impacted my credit score. I explained to the risk assessment agent that I had plans to place a bulk payment of the entire statement balance in XXXX and further explained that these returned payments were a system error, as I had not approved any type of auto payment from my account. I was told there was nothing that they could do on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I was offered a promotion credit through Care Credit and it was confusing. If I wouldve known they were going to charge me XXXX $ interest rate on the promotion, I wouldve never done that. They offered me a grace period of just 30 days to pay off XXXX XXXX Like I said, it was confusing and when the place I made the charge offered it. I never thought it be that much interest. Ive made all my payments on time and even extra payments. Im not a wealthy person but I do manage to pay my bills. I find companies that do that to people to be dishonest. Its really has caused me anxiety. I know you guys do a good job of resolving issues like this. Thanks 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 explanation
Consumer complaint received 2025-11-11 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: Marauder Corporation
State: TX

Complaint narrative:
I was trying to buy a house and noticed damages on my credit report. According to 15 U.S.C 1861Their shouldn't be any damages on my report defamation of my character.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
This is an escalation of CFPB complaint XXXX XXXX 

The company did not validate this alleged debt. When I disputed the account they did not send anything proving it belongs to me. Instead they responded with a settlement offer, which does not meet the legal definition of verification or validation under the FDCPA. They did not provide vVerification that I am the correct consumer, proof of ownership, a contract, nor an itemized breakdown, or any chain of assignment.

Instead of validating, they continued furnishing this account to the credit bureaus, which is a violation of FCRA 623 ( b ) because the furnisher must conduct a reasonable investigation after notice of a dispute. They are also attempting to collect a debt that is not mine, has not been validated, and has not been proven with competent evidence.

This company is reporting unverified information and continuing collection activity during an open dispute. This violates the FDCPA and the FCRA. I am requesting immediate CFPB intervention due to ongoing non-compliance.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously submitted a dispute under the Fair Credit Reporting Act ( FCRA ), including 605 ( a ), 623 ( a ) ( 5 ), and 604 ( a ) ( 3 ), regarding multiple inaccurate, outdated, and potentially unverifiable accounts currently appearing on my credit report. The accounts in question include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$190.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$8500.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$28000.00}, and XXXX XXXX originally reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00}. Repossession accounts include XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$32000.00}. Additionally, multiple inquiries remain on my report without verification, including 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Despite my previous dispute submission, these accounts and inquiries remain on my credit report without verification or explanation, which violates the reinvestigation and accuracy requirements under the 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 explanation
Consumer complaint received 2025-11-11 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:
After a recent review of my credit report, I identified several entries that are inaccurate, misleading, or unverifiable based on my verified financial records. These accounts and inquiries create an unfair and inaccurate representation of my creditworthiness and appear to be either obsolete, incorrectly reported, or lacking proper verification. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting a reinvestigation and the permanent deletion of the following items from my credit file, as they do not meet the accuracy, completeness, or verifiability standards required under federal law : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$520.00} XXXX XXXX Original creditor : XXXX IN XXXX XXXX Balance {$410.00} XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on 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 2025-11-11 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: MD

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EGL US, LLC
State: FL

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint and request for investigation regarding inaccurate and unverified personal loan accounts appearing on my credit report. These accounts are listed under the names BMG LoansAtWork XXXX XXXX, XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX credit report. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request full validation and verification of these debts. I previously requested proof of these accounts directly from the creditors, but no documentation, signed agreements, or itemized statements were ever provided to confirm the validity or ownership of these debts. 

Because these companies have failed to validate the debts as required by law, the continued reporting of these accounts constitutes a violation of my consumer rights under 15 U.S.C. 1692g ( b ) ( FDCPA ) and 15 U.S.C. 1681i ( a ) ( FCRA ). 

I therefore request that these unverified personal loan accounts be immediately deleted from all credit reporting agencies and that this matter be investigated by the CFPB. 

Accounts in question : BMG LoansAtWork, Inc {$6100.00} ( Active ) BMG LoansAtWork, Inc ( Closed ) BMG LoansAtWork, Inc ( Closed ) XXXX {$150.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX 1. Documentation bearing my signature proving I agreed to these debts. 
2. Complete payment history and account opening details.

3. Evidence of assignment or ownership rights if the debt was sold or transferred. 

If the creditors can not provide full verification, these accounts must be removed from my credit report immediately. 

Thank you for your prompt attention to this matter. I request written confirmation of the investigation results and credit report corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have been a Citibank XXXX XXXX XXXX credit card customer for approximately XXXX  years, always paying on time, and I have an excellent credit score ( around XXXX ). My account has always been set to AutoPay for the full statement balance, and I have never missed a payment. 

For payment balance on XX/XX/XXXX, I was scheduled to pay {$3100.00}. I changed my automatic payment on XX/XX/XXXX to {$300.00}. 
However, the mobile app appears to have pulled the payment from my other bank account that I no longer use. I had selected my current checking account, but the app pulled from a different/older account. I have screenshots showing that the correct account was selected in AutoPay settings. I didnt know this happened. Furthermore, my monthly statement showed they took {$3100.00} on XX/XX/XXXX and {$300.00} on XX/XX/XXXX. See attached. I didnt realize the error from the mobile application until XX/XX/XXXX. I immediately called Citibank because the app said my account was closed! 

Despite the successful payment of {$3100.00} and my long positive payment history : Citibank closed my account without any notice. 
The closure letter is dated XX/XX/XXXX, but I did not receive it until XX/XX/XXXX. 
Citibank representatives told me they could not discuss the closure beyond saying I had XXXX or more returned payments. 

I was not given : Any advance warning, Any opportunity to correct the issue, Any communication by email or phone prior to closure. 

This sudden closure caused multiple automatic subscription payments to decline, including XXXX, XXXX, XXXX XXXX, and others, disrupting my services. 

When I called Citibank on XX/XX/XXXX, they refused to speak about why the closure occurred, stating only that the account was closed and could not be reopened. They would not escalate the call or give me documentation beyond the generic closure letter. 
XXXX. The AutoPay system appears to have malfunctioned by debiting the wrong bank account. 
XXXX. Citibank closed my account even though a payment posted within XXXX days of the due date. 
XXXX. I received no advance notice or chance to fix the payment issue. 
XXXX. I may lose the cash rewards from the travel charges ( approximately {$14000.00} of spending ). 
XXXX. I was charged excessive fees {$30.00} for statement ending on XX/XX/XXXX and {$41.00} pending. Thats {$71.00} dollars???? And my payment was on time? 

Given my XXXX perfect payment history and excellent credit score, I believe the account closure was premature and punitive, and possibly based on an AutoPay system error.

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 2025-11-11 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: Lugano Capital, Inc. d/b/a Start Auto Finance
State: FL

Complaint narrative:
I am filing a complaint regarding the repossession of my vehicle and subsequent inaccurate reporting on my credit reports. 

The lender repossessed my vehicle without first providing me with a Notice of Default or Right to Cure, as required under my states consumer protection laws. Additionally, after the repossession, I was never provided a Notice of Sale or a Deficiency Balance Notice, as required under UCC 9-611 and 9-614.

These failures deprived me of my right to redeem the vehicle or understand the amount allegedly owed. Furthermore, the account is being reported inaccurately to the credit bureaus and without proper documentation, in violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). 

I am requesting a full investigation into these violations and the immediate removal of this account from all credit reports due to the lenders failure to follow lawful procedures. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

I look forward to hearing from you soon regarding the resolution of this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: MT

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against MOHELA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : XXXX15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. XXXX15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. XXXX15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

MOHELA XXXX, MOHELA XXXX, MOHELA XXXX, MOHELA XXXX, MOHELA XXXX, MOHELA XXXX, MOHELA XXXXMOHELA XXXX, MOHELA XXXXMOHELA XXXX, MOHELA XXXX, MOHELA XXXX, MOHELA XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-11-11 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: NY

Complaint narrative:
Im having negative records on XXXX XXXX XXXX about this company but i don't recognize this account! Its 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 2025-11-11 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: VA

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-11-11 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: VA

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: VA

Complaint narrative:
I am writing to dispute inaccurate and misleading information currently being reported on my credit file. After reviewing my credit report, I found an account that is being reported incorrectly, and I am demanding that it be investigated and corrected or removed immediately. 

The way this account is currently reflected is completely wrong. Whether it's showing late payments that never happened, an open status when the account was closed, or any other inaccurate detail the bottom line is this : the information is not accurate, not current, and not a fair representation of my credit history. I have always paid this account as agreed, and your reporting suggests otherwise, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are required by law to ensure that all information on a consumer 's credit file is complete, accurate, and verifiable. Reporting wrong information especially if it damages someones creditworthiness is not just a mistake, its a violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation