vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I spoke several times with XXXX XXXX, Resolution Specialist. Regulatory Complaints Operations Bank of America XXXX ext. XXXX XXXX XXXX. I explained in detail many times and was assured that the check that Bank of America would send to me on a closed business account could be cashed at a local branch. I tried 5 different branches, each one telling me I can't cash the check. I have no way of depositing the check. I have opened 4 cases because the regulatory specialist keep closing them without being resolved. They are duping the CFPB and myself with lies and nonsense. They do absolutely nothing to resolve my problem. Another specialist name of XXXX XXXX has not contacted me despite leaving several messages on a voice recorder. I'm really tired of this XXXX and the lies. Nothing is being resolved yet case after case gets closed and the CFPB doesn't follow up with the person filing the complaint to see if indeed the matter has been resolved. Banks would needn't a regulatory department if they were simply honest institutions. That said, the regulatory department is also dishonest who regulates that department because they are and have not resolved any of my concerns. Why then are the cases closed. I get no answers to all of my questions. XXXX has given me the run around. He can not tell me why Bank of America has closed my account. Why I can't have access to basic information such as account statements. Why I can't speak to anyone in the XXXX Department as they refused to verify me. Why Bank of America issues a check on a closed business account that I can do nothing with. I'm tired of the games. CFPB please please please please please please please please please please help. I've just want to get on with my life. Bank of America has caused so many problems for me and my business. When is this nightmare going to end. Please help, do something. Follow up because every case is closed without any resolution. Bank of America is scamming people under your noses. No follow up, nothing but excuses and giving me the run around time and time again.

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 2025-10-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
Initiated dispute on XXXX XXXX no response Letter XX/XX/XXXX no response. 

I do not owe any alleged debt. This needs to be removed. It is inaccurate and unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for a loan. I was asked for my social security number, driver 's license number, and bank account number. On XX/XX/XXXX, I was in the hospital when I started receiving alerts stating that numerous deposits had been made into my account and transferred out through XXXX XXXX. 

Which I didn't authorize they stated when I applied that they were making sure my account was a reliable account so that they would be able to take my payments for the loan out. They never once stated they would do all the transactions that they did on my account. 

Now my bank Wellsfargo has denied my claim which they did quickly and I'm responsible for paying the funds back out of my XXXX which is the only income I have. I was scammed and they did not take the proper protocol to even catch the people. Do not bank with Wellsfargo I'm attaching the contract that scammed me to this complaint what Wellsfargo didn't ask me for to go after them they didn't handle my dispute properly

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 2025-10-29 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: CA

Complaint narrative:
b'I am writing to dispute a billing error in the amount of $XXXX on my account. I was wrongly charged and then later refunded by BestBuy from order #XXXX XXXX XXXX on XXXX. BestBuy provided a receipt (attached) showing refund processed, but I have not received credit on my 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 explanation
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: IL

Complaint narrative:
Dear Credit Bureau, I am disputing inaccurate reporting on the following account : Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX information and dates not consistent across bureaus. Please conduct a re investigation under FCRa 623 ( a ) ( 5 ) and also FCRA 607 ( b0 [ 15 U.S.C. 1681e ( b ) ]. If the furnisher can not provide documentation showing legitimate and consistent info account must be deleted 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 non-monetary relief
Consumer complaint received 2025-10-29 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: IL

Complaint narrative:
Dear Credit Bureau, I am disputing inaccurate reporting on the following account : Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX information and dates not consistent across bureaus. Please conduct a re investigation under FCRa 623 ( a ) ( 5 ) and also FCRA 607 ( b0 [ 15 U.S.C. 1681e ( b ) ]. If the furnisher can not provide documentation showing legitimate and consistent info account must be deleted IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
My mortgage was bought XX/XX/XXXX. It was then promptly lost during the on boarding process. I reached out near the beginning of XXXX, and informed them I wouldn't be making a payment until my loan was found. After the 60 day grace period, I recieved a privacy notice, the welcome letter, my first bill statong I'm two months delinquent, and a notice of default. When I contacted them, I was left on hold for over an hour, never received my call back, and when I finally spoke to an escalation manager, i was sent to loss mitigation.

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 2025-10-29 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: MD

Complaint narrative:
This letter serves as a formal dispute of the following negative entries on my Experian credit file, under the FCRA 602, 607 ( b ), 611, and 623, and Metro 2 guidelines : XXXX. XXXX XXXX XXXX XXXX Bank XXXX Status : Closed - Collection/Charge-Off Delinquency Pattern : 30, 60, 90, 120, 150 Days Late ; then CO Violation : The account reflects a closed charge-off yet shows extensive delinquency reporting beyond the charge-off date. This misrepresents payment history and violates Metro 2 field alignment and FCRA 607 ( b ).

2. Hard Inquiries Not Tied to Any Open Account : [ Inquiry # 1 ] Creditor Name - Date [ Inquiry # 2 ] Creditor Name - Date [ Inquiry # XXXX ] Creditor Name - Date [ Inquiry # 4 ] Creditor Name - Date

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 2025-10-29 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: FL

Complaint narrative:
Formal response and Identity Theft Dispute & Request for Blocking of Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). This letter is written in response to your recent correspondence stating that my previous request did not appear to come from me or someone I authorized. I am hereby confirming that this dispute and all prior submissions were made directly by me, the consumer identified below, and not by any third-party representative or credit repair company. I have enclosed a copy of my government-issued identification and proof of current address to verify my identity beyond any doubt. This correspondence serves as my formal reiteration and confirmation of my original request made pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requiring that you, TransUnion Block and remove from my consumer credit report all fraudulent, inaccurate, and unauthorized information related to identity theft, including but not limited to. The auto loan account reportedly opened at XXXX  XXXX XXXX on or around XX/XX/XXXX. The credit card account reportedly opened at XXXX Bank on or around XX/XX/XXXX. Any and all collections, hard inquiries, and addresses not matching those listed on my government-issued ID or official residence history. Complete the blocking and removal process within four ( 4 ) business days of receiving this verified identity theft dispute, as explicitly required by FCRA 605B ( c ) ( 1 ). For your reference and compliance, I have again enclosed. A copy of my FTC Identity Theft Report ( FTC Complaint # [ private number ] ) documenting these fraudulent accounts. A copy of my government-issued ID and proof of current address. In accordance with FCRA 611 and 623, you are obligated to ensure maximum possible accuracy and remove unverifiable data. I do not authorize the use of automated systems such as E-Oscar or ACDV to handle this dispute. This matter requires manual review and direct verification with the original creditor. Please also confirm that the furnisher is in Metro 2 compliance and that all 67 reporting fields were accurately and lawfully completed. Failure to do so renders the account unverifiable and subject to deletion under FCRA guidelines.

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 2025-10-29 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-10-29 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: IL

Complaint narrative:
Even though the balance has been cleared, the report still reflects late remarks.

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 2025-10-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently discovered a single inquiry on my credit report that I do not recognize or recall authorizing. I have never applied for credit with the company that made this inquiry, nor have I given consent for them to access my report. This unauthorized action is both concerning and distressing, as I take my financial privacy very seriously and expect my information to be protected from improper use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, GM Financial repossessed my vehicle from my driveway without any prior notice or warning. I was not home at the time and, unaware that the car had been taken, I made full payment of the past-due balance later that same day. 

When I contacted GM Financial, I spoke with XXXX and then Supervisor XXXX. Both were unhelpful and dismissive. XXXX told me there was no point in speaking with a supervisor, and XXXX, speaking from home with dogs barking in the background, said my only option to recover the car was to pay off the entire loan balance ( approximately {$6000.00} ). I explained that I had already paid the overdue amount. 

I received no notice of default or repossession, no door tag, and no opportunity to voluntarily surrender my vehicle or retrieve personal property. My personal belongings including my purse, my childs booster seats, and school items remain in the car. 

GM Financials actions appear to violate Florida Statute 537.012, which requires that a debtor be given an opportunity to voluntarily return the vehicle and retrieve personal property before repossession. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-10-29 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: NV

Complaint narrative:
I am filing this complaint because [ Experian XXXX XXXX XXXX XXXX XXXX has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX XXXX XXXXXXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), TransUnion paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : XXXX XXXX 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 2025-10-29 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: NV

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX XXXX  TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX TransUnion, LLC ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX TransUnion ( XXXX ), TransUnion paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF 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 non-monetary relief
Consumer complaint received 2025-10-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding the inaccurate reporting of late payments associated with my federal student loans by the Department of Education. I believe this reporting is in violation of the Fair Credit Reporting Act ( FCRA ), specifically under the following provisions : 1. 15 U.S.C. 1681s-2 ( a ) : This section requires furnishers of information to provide accurate information to credit reporting agencies. The late payments reported on my account are incorrect and do not reflect my actual payment history.

2. 15 U.S.C. 1681i : This section grants consumers the right to dispute inaccurate information on their credit reports. I have not received a satisfactory resolution regarding my disputes related to these late payments.

The inaccurate reporting of late payments has adversely affected my credit score and financial standing. I request that you conduct a thorough investigation into this matter and correct the information reported to the credit bureaus. Specifically, I ask that you remove all late payment entries associated with my account, as they do not accurately reflect my payment history.

Please provide me with written confirmation of the actions taken to rectify this situation within 30 days of receiving this complaint. If this matter is not resolved promptly, I will consider seeking legal advice to protect my rights under the FCRA.

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, ACCOUNT XXXX

Company response to consumer: Closed with explanation