vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> an unknown person made a purchase at a XXXX store for {$13000.00} using a Bank of America credit card that was in our name. It was not our card, since that card had been in a drawer in my desk. This same purchase, for the exact same amount was attempted at another XXXX store on XX/XX/XXXX and was declined by Bank of America. Then on the XXXX it was allowed to go through. After multiple times calling Bank of America, and providing a police report along with video evidence of the purchase, Bank of America continues to deny our claim. I have been told XXXX different times that somoene from Bank of America would call me to discuss the reasons they are giving for denying our claim, but that has not happened. Their claim is that the card was a " chip-enabled '' card and they had our signature, therefore it must have been an authorized purchase. It was not. I had also been told that the account would be put in a pending condition until this was resolved. That also has not happened. We continue to get emails and statements with past due notices. They have not answered why the initial purchase on XX/XX/XXXX was declined, yet they allowed the second attempt. 
We have not received any communication in this matter from any person at Bank of America that is actually denying the claim. It is very clear from video evidence that this was a fraudulent purchase, and the card used may have been a chip card, but it was not our 's.

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 2025-05-20 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
Im submitting a complaint regarding a deposit hold placed by Current, a XXXX XXXX  partnered with XXXX XXXX XXXX. 
On XX/XX/XXXX, I deposited a {$1300.00} XXXX Treasury ( IRS ) refund check into my Current account. Despite this being a government-issued check from a highly reliable source, the bank placed a 5 business day hold, which effectively delays access to my funds for 7 calendar days. 
I have a longstanding account in good standing, with multiple direct deposits and no history of overdrafts or returned items. I requested a provisional credit of {$200.00} to help meet urgent financial obligations during the hold period, but the request was denied or not addressed. 
I find the hold period and lack of flexibility unreasonable, especially given my banking history and the nature of the check. I believe this reflects poorly on the bank 's customer service and creates undue hardship for account holders. 
I am requesting the regulator to : Review Currents deposit hold policies and how theyre applied. 
Investigate whether proper consideration was given to my request for provisional access. 
Ensure transparency and fairness in the handling of government-issued checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: CT

Complaint narrative:
I recently reviewed a copy of my credit report, and I noticed there are fraudulent accounts on my credit report. The affect my ability to obtain credit. Please remove all fraudulent accounts on my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: CT

Complaint narrative:
I recently reviewed a copy of my credit report, and I noticed there are fraudulent accounts on my credit report. The affect my ability to obtain credit. Please remove all fraudulent accounts on 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 explanation
Consumer complaint received 2025-05-20 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:
There are inaccuracies on my report, The below items are being reported as late on my credit profile and need to be removed immediately. Here are the accounts that are reporting as an error on my credit report check below. 

XXXX XXXX XXXX account XXXX XXXX. balance {$3500.00} opened XX/XX/2015 reporting ( 90 days late ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX. balance {$7400.00} opened XX/XX/2015. reporting ( 90 days late ) Please remove these accounts under FCRA XXXX ( a ) ( 2 ) furnishers are required to report current account status correctly.

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 2025-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I have reached out 3 times prior to Shellpoint. You keep insisting that no release of lien or mistake was made and refuse to provide a release of lien. 
The mistake that my real estate attorney has found is that there was NEVER a foreclosure on the property as you keep referring to. 
I have owned the property since XXXX and NEVER foreclosed on it. 
In XXXX I had foreclosure proceeding start when my financial situation changed but I was able to catch my mortgage up and redeemed and never foreclosed ( See attached public record ) Please provide the release of lien asap XXXX XXXX stated yet again that they no longer have the loan as it was coded outside of XXXX of collection and was NEVER a secure lien so no release is available nor necessary and that Shellpoint is making the mistake and should provide the release as they are the last to own it secure before it was deemed unsecure due to a foreclosure that never happened.

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 2025-05-20 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
Between XX/XX/XXXX and XX/XX/2025, I was communicating with a dealership about a possible vehicle purchase but ultimately declined to move forward. After I declined the purchase, Consumer Portfolio Services ( CPS ) ran hard inquiries on my credit on XX/XX/ XXXX XXXX without my permission. This inquiry was unauthorized. 

On XX/XX/XXXX XXXX XXXX, I called CPS on a recorded call and was told by Supervisor XXXX XXXX that if I could not get a deletion letter from the dealership, I could submit a police report instead, along with my name, address, and the last 4 digits of my Social Security number. I complied and submitted the police report ( Incident # XXXX ) by email on XX/XX/ XXXX XXXX 

After confirming receipt, CPS staff later demanded additional sensitive documentation, including a copy of my drivers license, full SSN, and a signature panel with 10 signaturesdespite the fact that these were never part of the original instructions and are not required under the Fair Credit Reporting Act ( FCRA ). I never filed an identity theft claim with CPS. I am only disputing the unauthorized credit inquiries. 

I followed up multiple times between XX/XX/XXXX and XX/XX/XXXX, and CPS failed to act and failed to respond adequately. Their continued refusal to remove the inquiry, despite the police report and my full cooperation, has resulted in ongoing undue harm and damage to my credit and my ability to qualify for a mortgage. 

I am requesting immediate intervention to have the unauthorized inquiry by Consumer Portfolio Services removed from my credit report and to hold them accountable for noncompliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: PR

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XXXX/XXXX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : 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 2025-05-20 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: PR

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XXXX/XXXX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : 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 2025-05-20 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: CA

Complaint narrative:
Failure to properly perform investigation and provide documentation of the outcome of previous disputes dated XX/XX/year>2025. Disputes related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Please be advised that your response does not constitute proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

The information you provided including general statements about the debt, the charge-off, and the alleged assignment is insufficient to verify the validity of the debt or your legal right to collect it. I hereby reiterate my demand for full validation, which must include, but is not limited to : 1. A copy of the original signed credit agreement or contract bearing my signature, evidencing the creation of the account and terms alleged.

2. A full accounting of the debt, including all charges, interest, payments, and fees leading to the current balance of {$1900.00}.

3. Complete documentation of the chain of title, from the original creditor to XXXX XXXX XXXX, XXXX including the bill of sale, assignment agreement, and any schedules identifying this specific account. 
4. Verification that this debt was not securitized at any point during its lifecycle. If the account was securitized, provide evidence of the trust or instrument into which it was placed, and identify the current legal owner of the debt. If it was not securitized, provide documentation attesting to that fact, signed under penalty of perjury.

5. Confirmation of your authority to collect, including your license numbers for the states in which you are attempting to collect and any relevant bonding information.

6. Confirmation that the debt is being accurately reported, and that it has been marked as disputed with all credit reporting agencies, pursuant to 15 U.S.C. 1692e ( 8 ).

Until you have provided all the information requested above, you must cease collection activities and refrain from reporting this debt to any credit bureau, or you must immediately remove it if already reported. Failure to comply may constitute a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

This is a continued formal dispute of the alleged debt. If you can not validate the debt per federal requirements, you are required to cease collection and remove this tradeline from all consumer credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Failure to properly perform investigation and provide documentation of the outcome of previous disputes dated XX/XX/year>2025. Disputes related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Please be advised that your response does not constitute proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

The information you provided including general statements about the debt, the charge-off, and the alleged assignment is insufficient to verify the validity of the debt or your legal right to collect it. I hereby reiterate my demand for full validation, which must include, but is not limited to : 1. A copy of the original signed credit agreement or contract bearing my signature, evidencing the creation of the account and terms alleged.

2. A full accounting of the debt, including all charges, interest, payments, and fees leading to the current balance of {$1900.00}.

3. Complete documentation of the chain of title, from the original creditor to XXXX XXXX XXXX, XXXX including the bill of sale, assignment agreement, and any schedules identifying this specific account. 
4. Verification that this debt was not securitized at any point during its lifecycle. If the account was securitized, provide evidence of the trust or instrument into which it was placed, and identify the current legal owner of the debt. If it was not securitized, provide documentation attesting to that fact, signed under penalty of perjury.

5. Confirmation of your authority to collect, including your license numbers for the states in which you are attempting to collect and any relevant bonding information.

6. Confirmation that the debt is being accurately reported, and that it has been marked as disputed with all credit reporting agencies, pursuant to 15 U.S.C. 1692e ( 8 ).

Until you have provided all the information requested above, you must cease collection activities and refrain from reporting this debt to any credit bureau, or you must immediately remove it if already reported. Failure to comply may constitute a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

This is a continued formal dispute of the alleged debt. If you can not validate the debt per federal requirements, you are required to cease collection and remove this tradeline from all consumer credit reports.

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 2025-05-20 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: OR

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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