vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My business account was hacked on XX/XX/year>. This happened in XXXX at a BofA branch. I live in the XXXX XXXX, CA. area. Thieves were able to obtain my debit card number and withdraw {$2700.00} in XXXX seperate transactions, at the same location. I did noot receive ANY notifications on my mobile banking app, which should have happened, or a phone call from the bank regarding this issue. 
I received a call that afternoon from BofA asking me to verify my identity at a local branch. I diid the following day and I asked why? XXXX was then I discovered the transactions and asked the bank teller to file a report on my behalf. This did not happen. I went back to the same branch in XXXX, CA. to inquire about the fraudulent transactions and to check on my complaint. I called the fraud department and they said a complaint was NOT filled. I asked the person on the phone to immediately file the report, which she did. This was on XX/XX/year>. 
After a month and a half, received a credit for the {$2700.00}, on XX/XX/year>. I thought everything was resolved but I received a letter on XXXX XXXX stating that I did authorize the transactions and the credit would be reversed? This is totally unacceptable! I had nothing ot XXXX with the frauudulent withdrawals but BofA insisted that I did! After 31 years of banking, this is the way I'm treated. The only called I received fron the bank was on XX/XX/XXXX, XXXX, asking me if I approved the transactions. I saiid no, and that I shared this information with the bank on the initial fraud claim.

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 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: RI

Complaint narrative:
I cancelled my XXXX XXXX membership via certified mail, delivered XX/XX/year> within the timeframe as specified by the XXXX XXXX contract ( " delivered to the club by the XXXX of the month '' ). Despite proper cancellation, XXXX XXXX charged my account {$26.00} on XX/XX/year> - XXXX days after receiving my cancellation notice. 

I disputed this unauthorized charge with my bank, who investigated and reversed the charge as unauthorized. 

XXXX XXXX XXXX ( the billing company ) then sent a collection email explicitly stating : " This communication is an attempt to collect a debt and is from a debt collector '' with FDCPA language instructing me to dispute in writing within 30 days. 

I immediately disputed the debt in writing, providing proof of cancellation and bank dispute approval. 

XXXX XXXX XXXX responded with contradictory statements : first denying they are a debt collector and telling me to contact the gym, then claiming the charge was " authorized '' despite my bank 's ruling, then threatening to send me to " Debt XXXX which is the collections agency '' - implying they are NOT currently collecting. 

They can not use mandatory FDCPA debt collector language, then deny being a debt collector when I exercise my rights under that law. I properly cancelled before the charge occurred and my bank confirmed it was unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: FC HoldCo LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX continues to report and attempt to collect a balance that is legally and factually inaccurate. Following the death of co-buyer XXXX XXXX on XX/XX/year>, XXXX representatives verbally informed me that the loan was " transferred '' solely to my name. However, I never signed any assumption agreement, modification, or written authorization consenting to such a transfer. 

XXXX has never produced a single document showing that this liability was properly reassigned under contract or probate law. Despite this, the company continues to report the entire {$16000.00} balance under my name, falsely implying I am contractually responsible for the deceased borrowers portion of the debt. 

This is the third formal attempt to address this matter, as previous CFPB complaints were either closed without full documentation review or resolved on incomplete information. 

Legal Basis and Violations 1. No Contractual Authorization for Transfer The original retail installment contract lists two co-buyers but contains no survivorship or assumption clause transferring liability upon death. Under Florida Statute 672.210, a contract right or obligation can not be transferred or assigned without consent. Since I never consented or signed a new agreement, Flagships unilateral transfer is legally void.

2. Estate Claim Required Under Florida Probate Law Per Florida Probate Code 733.707, any debt of a deceased person must be claimed against the estate not reassigned to a co-borrower. Flagship failed to submit any estate claim or provide probate documentation validating the transfer of liability.

3. Violation of Fair Credit Reporting and Debt Collection Statutes FCRA 15 U.S.C. 1681i ( a ) : Flagship and Experian failed to conduct a reasonable reinvestigation following my dispute, continuing to report unverifiable information. 

FDCPA 15 U.S.C. 1692g ( b ) : Flagship failed to provide proper debt validation after written requests.

FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers are prohibited from reporting information known to be 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 2025-10-30 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'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
M & M CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research M & M CREDIT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I am filing this CFPB complaint to formally demand validation of the alleged debt being reported by LVNV Funding LLC. My attached validation request letter lists the specific documents they must produce under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. I am deliberately using the CFPB system to ensure my request is officially recorded, forwarded, and enforced. LVNV Funding LLC can not lawfully continue reporting or collecting without proper validation. 
I also demand information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : A. The Date of First Delinquency ; B. The date the account was charged off ; and XXXX The date the account was acquired by or assigned to LVNV Funding LLC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: AL

Complaint narrative:
I am requesting a formal reinvestigation of the following items on my Experian credit report pursuant to FCRA 611. The information listed below appears to be inaccurate, unauthorized, or outdated. 

XXXX Accounts There are currently no charged-off accounts listed in this section of my Experian report that I dispute at this time. 

Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I do not recall authorizing these inquiries. Please verify that each was made with my express consent or under a permissible purpose as defined by the FCRA. If proper authorization can not be verified, I request that these inquiries be removed. 

Late Payment in XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account # : XXXX Please verify the accuracy of any late payments reported for this account. If they can not be substantiated with complete payment records, I request that they be corrected or removed.

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 2025-10-30 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: CA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report 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 2025-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: SC

Complaint narrative:
I had XXXXXXXX XXXX installed on my home by XXXX XXXX in XXXX. XXXX went Bankrupt in XXXX. I now have a faulty system that does not perform as promised by XXXX, no warranty, and the system now does not perform at all. XXXX was the company that took on the loans for XXXX XXXX. I am not going to continue to pay the rest of my XXXX loan for a system that does not work and I have no warranty on. XXXX should not have endorsed a failing company to scam homeowners out of their hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX made my last payment while my account was under review for protections afforded by the SERVICEMEMBERS CIVIL RELIEF ACT ( SCRA ). On XX/XX/XXXX Santander charged off and closed my account. XXXX XXXX my attorney office provided notice of pending matter via correspondence addressed to Santander Consumer USA at XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX. On XX/XX/XXXX I email a letter regard to Settlement Offer and Notice XXXX XXXX XXXX. Today XX/XX/XXXX XXXX from Santander XXXX office verify receipt of such email told me it would not be accepted and could not send to me in writing. Was told that Santander would not offer me a settlement since I have a lemon law case. I ask for his legal department to respond to me in writing as Santander next step. He asked me if vehicle is at my address cause it could be put out repossession.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
On or around XX/XX/year>, I obtained copies of my credit reports from Experian, TransUnion, and Equifax and identified several inaccurate, duplicate, and unverifiable derogatory accounts being reported. 

Between XXXX and XX/XX/year>, I sent XXXX certified dispute letters to each credit bureau requesting a full reinvestigation and documentary verification of these items under FCRA 611 ( a ) and 609 ( a ) ( 1 ) ( A ). 
I specifically requested copies of any signed applications, contracts, payment histories, or chain-of-title documentation verifying the accuracy and ownership of the accounts. 

The accounts in question include multiple charge-offs and collections from First XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Synergetic Communications ( XXXX ), among others. 
Some debts are reported twice by different furnishers ( e.g., XXXX XXXX XXXX and XXXX XXXX ) or appear as duplicate entries across multiple bureaus, which violates FCRA 607 ( b ) and 605B.

Despite multiple disputes, all three bureaus responded only with generic investigation results or statements claiming the information was verified without providing any underlying proof.

No contracts, account applications, statements, or debt validation documents were ever produced.

This failure to verify, combined with continued reporting of the same unverifiable information, constitutes willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA 607 ( b ), 611 ( a ), 616617 ) and, for the collection accounts, potential violations of the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ).

These inaccurate and unverified accounts continue to harm my creditworthiness and result in denied or unfavorable credit terms, despite my good faith attempts to resolve the matter directly with the companies.

I am requesting that the CFPB require Experian, TransUnion, and Equifax to : Permanently delete all unverifiable, inaccurate, and duplicate derogatory accounts.

Provide updated credit reports reflecting these deletions.

Implement safeguards to prevent re-insertion without full re-verification per FCRA 611 ( a ) ( 5 ) ( B ).

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 2025-10-30 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  # XXXX XX/XX/XXXX -- {$10000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$20000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/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 2025-10-30 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/year> I deposited a check from XXXX to bank of america, the check was under my friend name. So they thought it was a fraud and they close my account and frozen the check money. I tried to fix this problem me and my friend but every time it was the same answer ^we dont have a time frame^.

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 2025-10-30 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:
I am writing to request an investigation into the following accounts currently reflected on my credit reports. I believe that the information being reported is inaccurate and requires correction in accordance with the Fair Credit Reporting Act ( FCRA ). Please investigate the following discrepancies and provide me with a response detailing the outcome of your investigation. 

I kindly request that you investigate the following disputed accounts on my credit report, which I believe to be inaccurately reported : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
To Whom it May Concern - I have been a client of American Express for 16 years. I have XXXX credit cards and have done several millions of dollars of business with this company. 

I had a death of a brother earlier this year ( death certificate available upon request ) - and fell behind on some matters tending to those affairs. 

I called in about a card that was dormant ( the only thing the card was used for is an audible subscription that I don't even use ) that was charged a XXXX annual fee. I called in approximately XXXX month after it was assessed- to cancel the card - and discontinue the use- and they refused to allow it and return the annual fee ( even in a pro rated sense ) - please note i did not use the card, use any of the annual card benefits, or benefit in anyway from this. 

I also hold XXXX other cards with this company and have had no late payments and perfect credit. 

This is unfair, unethical, predatory, and opportunistic to lean into a death in the family for their financial gain.

Company response to consumer: Closed with monetary relief