vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XXXX XXXX, XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XXXX XXXX, XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XXXX XXXX, XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint against Bank of America due to an extremely distressing and irresponsible handling of my credit card overpayment. I accidentally made a payment of {$650.00} to my Bank of America credit card, which had a balance of {$350.00} and a limit of {$300.00}. While {$350.00} was correctly applied to cover the debt, the remaining {$300.00} completely disappeared from both my credit card and my checking account. 

This was not just a technical inconvenience this was a critical financial crisis for me. These were my last available funds, and I was left without money for food or essentials. I spent over XXXX minutes on the phone with Bank of America trying to locate and retrieve these missing funds. 

To make matters worse, I was stranded at an airport at XXXX XXXX, desperately trying to cancel the payment or get my {$300.00} back. The bank representatives told me the transaction was pending and refused to reverse or release the money. As a result, I was left completely without access to my own funds, and I have now been without food for over XXXX days, waiting for a pending refund that the bank claimed could take XXXX business days to process despite this being clearly their internal error. 

I am absolutely shocked by the lack of urgency, care, and accountability in how this situation was handled. No one should be deprived of their essential living needs because of a banks failure to manage an overpayment transparently and ethically. 

I am requesting : An immediate and full explanation of why the {$300.00} disappeared and was not automatically credited back to my account. 
A formal apology from Bank of America for the mental and physical distress this caused me. 
Consideration of compensation for the unnecessary suffering, time lost, and real hardship I experienced due to their mishandling of my money. 

This kind of treatment of customers is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-04 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: GA

Complaint narrative:
Tried to call the companies personally but phone numbers are not correct, changed or out of service not allowing me to talk with them. 

Company Date of inquiry Address Phone number XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Start a 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 2025-05-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-04 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: AZ

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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:
These accounts were created without my consent and reported inaccurately. I have submitted an FTC Identity Theft Report under FCRA 605B and mailed all supporting documentation including a sworn affidavit, dispute records, and formal legal notices. 

TransUnion are refusing to block and delete the accounts, despite legal obligations under federal law. I want these tradelines deleted immediately across all credit bureaus and written confirmation provided within 15 days.

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 2025-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX ACCOUNT NUMBER XXXX. 
Please remove this inaccurate information from my credit report. 8. Violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint against XXXX University due to errors in my student loan account. On XX/XX/year>, I noticed that my loan balance was incorrectly reported as {$1000.00}, despite my payments being up to date. After contacting the servicer multiple times with no clear answer, I now see my loan to be in default and would like for this to be corrected.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
An old auto loan account with Credit Acceptance Co is still being factored into my Equifax credit score, showing continuous missed payments from XXXX through XXXX. However, this account was voluntarily surrendered in XX/XX/XXXX and should have been closed at that time. 

I have previously attempted to dispute this through XXXX XXXX and XXXX online portal, but the account does not appear in the Credit Accounts section for me to dispute. Despite this, the accounts negative payment history is still impacting my Equifax credit score, showing false missed payments every month for over six years. 

The creditor has reported a supposed payment made in XX/XX/XXXX. To my knowledge, I did not make any payment after the vehicle was surrendered in XX/XX/XXXX. This reported payment may reflect an internal adjustment, auction sale proceeds, or accounting entry by the lender rather than an actual payment made by me. Regardless, the account should not continue to report missed payments from XXXX onward, as no payments were due after XX/XX/XXXX. 

The account is also not visible in XXXX XXXX Accounts section or through XXXX XXXX dispute system, making it impossible for me to dispute this information through standard consumer channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to request updates and corrections to my personal information currently on file with all credit bureaus. Kindly make the following changes to ensure that my credit report is accurate : XXXX. Address : Please update my address to the following : XXXX XXXX XXXX  XXXX XXXX, XXXX, NJ XXXX XXXX. Name : Please update my name to : XXXX XXXX XXXX. Social Security Number : My correct Social Security Number is : XXXX 4. Date of Birth : Please correct my date of birth to : XX/XX/1965 XXXX. Employer : My current employer is : XXXX XXXX XXXX XXXX XXXX Additionally, I request that no telephone numbers be included on my credit report. 
Lastly, I ask that you please remove any addresses currently listed on my credit report that are not deliverable by the U.S. Postal Service, as these are inaccurate and should not be reflected as per the Fair Credit Reporting Act ( FCRA ). 
Thank you for your attention to this matter. I look forward to receiving confirmation of the changes no later than 30 days upon receiving this letter. 

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 2025-05-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to request updates and corrections to my personal information currently on file with all credit bureaus. Kindly make the following changes to ensure that my credit report is accurate : XXXX. Address : Please update my address to the following : XXXX XXXX XXXX  XXXX XXXX, XXXX, NJ XXXX XXXX. Name : Please update my name to : XXXX XXXX XXXX. Social Security Number : My correct Social Security Number is : XXXX 4. Date of Birth : Please correct my date of birth to : XX/XX/1965 XXXX. Employer : My current employer is : XXXX XXXX XXXX XXXX XXXX Additionally, I request that no telephone numbers be included on my credit report. 
Lastly, I ask that you please remove any addresses currently listed on my credit report that are not deliverable by the U.S. Postal Service, as these are inaccurate and should not be reflected as per the Fair Credit Reporting Act ( FCRA ). 
Thank you for your attention to this matter. I look forward to receiving confirmation of the changes no later than 30 days upon receiving this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I've been asking when I can expect a refund for two months of payments that I didn't need to make, totaling {$1400.00}, since my loans were forgiven in XX/XX/XXXX. I was told it could take up to six months for my refund to be processed. It's now been seven months and I still haven't been refunded. They have not responded to my last request for information, which I submitted a month ago on XX/XX/XXXX. The servicer is Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Notice of Dispute and Demand for Pre-Arbitration - Unauthorized and Improper Reporting of Charged-Off Account To Whom It May Concern, XXXX, XXXX XXXX XXXX XXXX formally notifying Experian of a dispute concerning a charged-off account reported by XXXX XXXX  ( Account XXXX XXXX XXXX ), appearing on my credit report dated XX/XX/XXXX. 

The account reflects the following inaccuracies and violations : 1. Re-aging of Account : The account shows continuous XXXX past-due status into XXXX, despite being opened on XX/XX/XXXX and with the last payment recorded on XX/XX/XXXX. Re-aging an account in this manner violates the Fair Credit Reporting Act ( FCRA ) and appears to be an attempt to illegally extend the reporting period. 

2. Charge-off Misrepresentation : The report shows the account as both charged-off and simultaneously accruing new delinquencies this is inconsistent with lawful credit reporting practices.

3. Failure to Investigate : If any prior disputes were raised or will be raised following this notice, I expect compliance with FCRA Section 611 regarding timely and thorough investigation. Any failure to comply may be presented as evidence of willful noncompliance.

This letter serves as : Formal dispute notice under FCRA ( 15 U.S.C. 16811 ).

Demand for immediate correction and removal of the inaccurate information.

Notice of intent to initiate arbitration proceedings, pursuant to Experian 's arbitration clause and under applicable laws and consumer protection regulations.

Demand for Relief : Immediate deletion or correction of the reporting regarding the XXXX XXXX account. 

Statutory damages and any actual damages sustained. 

Legal fees and any other relief deemed appropriate through arbitration. 

If I do not receive confirmation within 15 days that this information has been corrected and the matter resolved, I will proceed with filing a formal arbitration claim and/or lawsuit. 

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 2025-05-04 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: MD

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

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 2025-05-04 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: AR

Complaint narrative:
I loaned someone XXXX dollars, and another individual XXXX dollars. They both assured me I would receive my money when they got paid, but then they both magically did not get paid. Per them both " My check is late, this has never happened before! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a confirmed victim of identity theft, supported by my official FTC Identity Theft Report ( # XXXX ). My credit report currently contains multiple inaccurate and fraudulent items including names, addresses, employers, accounts, and inquiries that do not belong to me and were reported without my consent. Despite formally notifying the credit bureaus and data furnishers of the identity theft, these inaccurate items remain on my report. 

Failure to Block Fraudulent Data ( FCRA 605B ) : I submitted an FTC Identity Theft Report and supporting documentation, yet the bureaus failed to block and remove the fraudulent data within the 4 business day period required by law.

No Method of Verification Provided ( FCRA 611 ) : Items previously marked as " verified '' were not accompanied by any legal method of verification ( MOV ) detailing how they were validated, as required by the FCRA.

Unauthorized Reinsertions ( FCRA 611 ( a ) ( 5 ) ( B ) ) : Certain accounts appear to have been reinserted onto my credit file without notification or compliance with reinsertion procedures.

Lack of Maximum Accuracy ( FCRA 607 ( b ) ) : The information being reported is materially inaccurate and has caused severe harm to my ability to obtain housing and financial stability.

Fraudulent Charge-Offs and 1099-C Violations ( IRS 6050P ) : Some accounts appear to be charged-off, yet no 1099-C was issued or properly recorded, violating federal tax laws and fair reporting standards.

Because of these repeated violations and lack of compliance, I have been denied housing, can not secure stable financial options, and have experienced severe emotionaXXXX XXXX This is impacting not only me, but my children as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: DE

Complaint narrative:
I supplied the company with a paid in four letter and ask them to update the information this is been 2 months in the process I'm reclaiming they pay me for false information on my credit

Company response to consumer: Closed with explanation