vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
Complaint Regarding Mishandling of Retirement Check and Poor Customer Service XXXX XXXX XXXX XXXX XXXX Program To Whom It May Concern, I am submitting this complaint regarding the XXXX XXXX XXXX XXXX XXXX XXXX program due to a serious issue involving a missing check and unacceptable customer service. 
The program claims to have mailed a retirement check to me, which I never received. When I contacted their support team to verify the mailing, I was met with vague responses and no confirmation that the check was actually sent. I was then instructed to wait for a form to arrive by mail, complete it, have it notarized, and return itjust to initiate a stop payment. This process is unnecessarily burdensome, especially considering I have no proof the check was ever mailed. 
Additionally, I was told I would need to create a separate online account just to access and download the stop payment form. However, the only option available to return the form is by mail, which further delays resolution and adds unnecessary complexity. 
When I requested to speak with a manager to escalate the issue, I was deniedtwice. The first representative I spoke with today was unprofessional and dismissive. Furthermore, I was informed there are no in-person services available to resolve this matter, which raises serious concerns about accessibility and accountability. 
This situation involves my retirement funds, and I believe I am being subjected to excessive delays and procedural obstacles due to internal clerical errors. I am requesting that the CFPB investigate this matter and ensure that XXXX XXXX XXXX provides a timely and transparent resolution. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-08-05 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: NJ

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-05 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:
Victim of Data Security Breach : Equifax , Inc . Customer No. XXXX ( U.S. District Court for the XXXX XXXX of Georgia XXXX Violations are : Reinsertion Deleted Item 15 USC 1681i5b Late Payments : 15 USC 1681 a2Xi Permissible Purpose 15 USC 1681b I, XXXX XXXX ( Declarant ) , declare under penalty of perjury ( 28 U.S.C. 1746 ) that the following is true and correct to the best of my knowledge, information, and belief. 
II. Identity Theft and Fraudulent Reporting a. All accounts listed below were opened without my authorization, consent, or signature, either electronic or wet-ink. 
b. The Equifax data breach exposed my Social Security number, enabling repeated fraudulent activity and causing significant harm to my credit file.

III. Identified Fraudulent Accounts 1. XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX Docket No : XXXX Date Allegedly Filed : XX/XX/XXXX XXXX XXXX XXXX - Account # XXXX -Balance : {$6900.00} - Open Date : XX/XX/XXXX XXXX. XXXX XXXX - Account # XXXX -Balance : {$6900.00} - Open Date : XX/XX/XXXX XXXX. XXXX XXXX - Account # XXXX -Balance : {$10000.00} - Open Date : XXXX XXXX XXXX. XXXX  XXXX XXXX - Account # XXXX -Balance : {$13000.00} - Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Account # XXXX -Balance : {$2800.00} - Open Date : XX/XX/XXXX XXXX. XXXX XXXX - Account # XXXX -Balance : {$21000.00} - Open Date : XXXX XXXX XXXX. XXXX XXXX XXXX - Account # XXXX -Balance : {$2800.00} - Open Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
I am disputing the inaccurate reporting of the XXXX XXXX account on my credit reports. 
Under the Fair Credit Reporting Act ( FCRA ) : - Credit bureaus are required to ensure maximum possible accuracy of the information they report ( 15 U.S.C.1681e ( b ) ), - Conduct a reasonable reinvestigation upon dispute ( 15 U.S.C.1681i ( a ) ), - And delete unverifiable or inaccurate information. 

The bureaus have continued to report this account inaccurately and have not provided any evidence of verification or justification for the derogatory status. This is a violation of FCRA obligations. 
The XXXX XXXX account is reported with conflicting and unreliable dates across TransUnion, Experian, and Equifax : TransUnion lists the account date opened on XX/XX/XXXX, last active on XX/XX/XXXX, and last reported on XX/XX/XXXX. 
Experian shows it opened on XX/XX/XXXX, last active on XX/XX/XXXX, and last reported on XX/XX/XXXX. 
Equifax also shows it opened on XX/XX/XXXX, but lists the last active date as XX/XX/XXXX and the last reported date as XX/XX/XXXX. 

TransUnion and Experian report a Date of Last Payment as XX/XX/XXXX. Equifax shows the last payment date as XX/XX/XXXX. 

These discrepancies are significant. They misrepresent the accounts activity, suggest improper re-aging, and demonstrate that the data is inconsistent and unverifiable Under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable information must be deleted.

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 2025-08-05 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 am disputing the inaccurate reporting of the XXXX XXXX account on my credit reports. 
Under the Fair Credit Reporting Act ( FCRA ) : - Credit bureaus are required to ensure maximum possible accuracy of the information they report ( 15 U.S.C.1681e ( b ) ), - Conduct a reasonable reinvestigation upon dispute ( 15 U.S.C.1681i ( a ) ), - And delete unverifiable or inaccurate information. 

The bureaus have continued to report this account inaccurately and have not provided any evidence of verification or justification for the derogatory status. This is a violation of FCRA obligations. 
The XXXX XXXX account is reported with conflicting and unreliable dates across TransUnion, Experian, and Equifax : TransUnion lists the account date opened on XX/XX/XXXX, last active on XX/XX/XXXX, and last reported on XX/XX/XXXX. 
Experian shows it opened on XX/XX/XXXX, last active on XX/XX/XXXX, and last reported on XX/XX/XXXX. 
Equifax also shows it opened on XX/XX/XXXX, but lists the last active date as XX/XX/XXXX and the last reported date as XX/XX/XXXX. 

TransUnion and Experian report a Date of Last Payment as XX/XX/XXXX. Equifax shows the last payment date as XX/XX/XXXX. 

These discrepancies are significant. They misrepresent the accounts activity, suggest improper re-aging, and demonstrate that the data is inconsistent and unverifiable Under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable information must be deleted.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute the accuracy and legality of a collection account being reported on my Experian credit report by I.C. System, Inc. for the original creditor XXXX XXXX XXXX XXXX. 



DISPUTED ACCOUNT DETAILS Collection Agency : I.C. SYSTEM, INC. 
Original Creditor : XXXX XXXX XXXX XXXX  Balance Reported : {$2100.00} Account Number ( Last 4 ) : XXXX Date Opened : XX/XX/XXXX Status : Collection Account Status Updated : XX/XX/XXXX Reporting Agency : XXXX  VIOLATIONS IDENTIFIED This account is being reported with a past due status extending from XX/XX/XXXX through XX/XX/XXXX, despite a lack of written notice, proper validation, or opportunity to dispute the debt as required by federal law. 

I.C. System and XXXX are in violation of : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e ( b ) : Failure to ensure maximum possible accuracy of information.

15 U.S. Code 1681i ( a ) : Failure to reinvestigate disputed information within 30 days.

15 U.S. Code 1681s-2 ( b ) : Continuing to report information after notice of dispute without investigation. 

Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S. Code 1692g ( a ) : Failure to send required debt validation notice within five days of initial communication.

15 U.S. Code 1692e ( 2 ) ( A ) : False or misleading representation of the character or legal status of the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We are submitting a complaint against Bank of America and XXXX XXXX, Resolution Specialist for Regulatory Complaints Operations, who was assigned to our case filed through the Consumer Financial Protection Bureau. 

On XX/XX/2025, we received an email from XXXX XXXX ( see attached ), informing us that she would be our point of contact throughout the resolution of our complaint. The email provided her contact information : Name : XXXX XXXX Title : Resolution Specialist Department : Regulatory Complaints Operations Email : [ not listed, communication came from XXXX ] Phone : XXXX ext. XXXX Availability : Monday to Friday, XXXX XXXX XXXX XXXX. Pacific Time Since receiving this message, we have made multiple attempts to contact XXXX XXXX by phone, leaving several voicemails, but have not received any return calls or follow-up communication. This lack of response is preventing us from progressing with the resolution of our case and may ultimately delay or cause the denial of assistance we urgently need. 

We are extremely frustrated with this lack of communication and request that the CFPB hold XXXX XXXX accountable should this delay negatively impact the outcome of our case. We are also asking for immediate intervention so that we may proceed with our review in a timely and professional manner. 

Attached is a copy of the email we received confirming XXXX XXXX as the assigned representative.

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 2025-08-05 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: MI

Complaint narrative:
Equifax violated my rights as a consumer by not blocking FRAUDULENT information resulted from identity theft by Equifax furnishing these accounts on my consumer report. I, the consumer, demanded a block on the fraudulent information pursuant to 15 U.S. Code 1681c-2 no later than four ( 4 ) business days after the date of receipt. Equifax responded to my CFPB complaint on XX/XX/year> that my complaint was received. However, as of XX/XX/year> the information is still not blocked and removed. I have attached all required consumer documents for Equifax to block the fraudulent information ; a copy of government issued identification card, a copy of a current utility bill, a copy of a identity theft report, a statement by the consumer in the identity theft report and CFPB complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: WA

Complaint narrative:
We moved out and the property on XX/XX/year>. The property manager email me stating that we " owed '' utilities, months after we had moved out. I responded asking for the specifics after what we owed considering I had waited until the end of the month that we moved out for the charges to be posted and had paid. By this time, we were locked out of the portal so I couldn't even see what they were talking about. She said they forgot to take the money out of our security deposit since we had already received the refund. I followed my lease terms and paid all of the charges on my account at the end of the month that we had moved out. After which, we were denied access to the account. Again, I asked what the charges were. No response. Fast forward a month or two and I started receiving calls and texts from a debt collector. XXXX reported the {$75.00} dollars to a debt collector without responding to me explaining what the charges were for. After multiple attempts to contact the property manager and referencing WA law, she then admitted the charges were from AFTER we had moved out making them invalid. She then informed me that I could tell the debt collector that they removed the charges. Well, the debt collector told me that I couldn't inform them myself, and that XXXX had to. Once again it took multiple attempts from me trying to contact management practically pleading with them to call the debt collector and inform them that the debt was invalid and to please remove it before they reported the debt to the credit bureaus. The property manager said she would call. I continued to receive multiple calls and texts each week so I reached out AGAIN asking her to call them, to which she responded saying that she would. That never happened. After months of trying to get this resolved the debt collector eventually reported the debt to the credit bureaus dropping my credit score, although both TransUnion and Experian agreed the charges were invalid and removed it from my report. During this time, I have not received a response from XXXX or from XXXX XXXX XXXX in my attempts to resolve the issue as recommended before filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Re : CFPB Case No. XXXX Dear CFPB Compliance Team : Pursuant to my XX/XX/XXXX, submission via the CFPB portal XXXX this letter re-asserts my dispute of four tradelines on my TransUnion credit reporttwo fraudulent identity-theft accounts and two impermissible medical debts. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you must block and permanently delete identity-theft tradelines within four business days of receiving a valid Identity Theft Report. Under Regulation V ( 12 C.F.R. 1022.20 ( e ) ( 1 ) ), as amended XX/XX/XXXX, medical debts of any amount may not appear on consumer files- On XXXX XXXX XXXX, I provided TransUnion with a certified FTC Identity Theft Report and detailed dispute via the CFPB portal ( CFPB Case No. XXXX ). 
- TransUnion acknowledged receipt on XX/XX/XXXX, but to date has neither blocked nor deleted any of the disputed tradelines. 
- TransUnions in progress status fails to satisfy the FCRAs 30-day reinvestigation requirement ( 15 U.S.C. 1681i ( a ) ( 1 ) ) or the four-business-day deletion mandate for identity-theft tradelines ( 15 U.S.C. 1681c-2 ).

- TransUnions continued reporting of medical debts also violates CFPBs final rule banning medical collections from credit reports ( 12 C.F.R. 1022.20 ( e ) ( 1 ) ). 
The affected tradelines are : - XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Installment loan opened XX/XX/XXXX fraudulent identity-theft account. 
- XXXX ( Orig. Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX Medical collection opened XX/XX/XXXX prohibited medical debt. 
XXXX XXXX ( Orig. Creditor : XXXX XXXX  XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX Medical collection opened XX/XX/XXXX prohibited medical debt. 
- XXXX XXXX ( Orig. Creditor : XXXXXXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX  Collection opened XX/XX/XXXX fraudulent identity-theft account.

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 2025-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
What Happened? 

In 2023, I financed a vehicle purchase through Navy Federal Credit Union. Due to a delay in the dealership and XXXX processing the title, Navy Federal temporarily increased my interest rate from 9 % to 16 %, claiming it was required until the title was received. I repeatedly communicated with both the XXXX and Navy Federal about the title delay, but the rate increase was still applied. 

Key Issues : Unjustified Interest Rate Hike : Navy Federal increased the rate despite the title delay being beyond my control. 
They verbally promised excess payments from the rate hike would be applied to the principal, but this never happened. 

Incorrect Payment Amounts & Late Fees : My payment was supposed to revert to $ XXXX after resolution but remained at $ XXXX. 
Despite setting up automatic payments, Navy Federal charged 13 late fees ( {$29.00} each, totaling {$370.00} ) due to payment fluctuations they caused. Only one fee was waived. 

Excessive Interest Charges : Under the original 9 % rate, total interest should have been {$3200.00}. 
Due to the unlawful rate increase, Ive paid {$9200.00} in interestan overpayment of {$6000.00}. 

Actions Taken : Contacted Navy Federal multiple times to dispute fees and rate increases ( calls are recorded ). 
Submitted requests to the XXXX to expedite the title, which was eventually received. 
Requested refunds for late fees and interest overcharges, but Navy Federal has not resolved the issue. 

Resolution Requested : Refund all 12 remaining late fees ( {$340.00} ). 
Credit {$6000.00} for excess interest paid. 
Correct the loan terms to reflect the original 9 % rate and re-amortize payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
BMO Bank has frozen XXXX XXXX account without providing any written explanation, timeline, or justification. Despite repeated calls to the local branch and your XXXX customer service number, XXXX XXXX has only been told that his account is under review. No further information has been provided, nor has any notice of wrongdoing been issued to XXXX XXXX. 

This account is where XXXX XXXX paychecks are deposited, and the ongoing hold has created severe financial hardship. He has been unable to meet basic living expenses, including but not limited to his rent, due solely to the inaccessibility of his own funds. There has been no indication of impropriety or legal basis for the withholding of these funds, and such conduct raises serious concerns.

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 2025-08-05 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: KS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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