vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CCM Finance LLC
State: CA

Complaint narrative:
I am disputing a repossession account currently being reported under CCMFINANCE as inaccurate and unlawful. The creditor failed to provide me with the legally required Right to Redeem notice before selling or disposing of the vehicle, as mandated under UCC 9-611 and applicable state laws. I never received this notice, which violated my rights and disqualifies them from collecting any deficiency balance. Because of this failure, the reporting of this repossession and any remaining balance is inaccurate, misleading, and damaging to my credit report. Furthermore, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must report accurate and complete data, which they failed to do in this case.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Action Collection Service
State: MT

Complaint narrative:
The debt in question is still in litigation. I have proof of this. The previous complaint I filed was closed after the receipt of the wholly incorrect response received by the debt collector. I repeat, I have proof that the case is still in litigation and that no final ruling has been established. You can see for yourself in the attached photo from the district court 's website that the case is still OPEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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 am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
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 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 explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am a Bank of America credit card holder. Bank of America automatically participates in the XXXX Account XXXX ( XXXX ) program, which allows XXXX to share my updated card number and expiration date with merchants who have my old card on file for recurring charges. 

I contacted Bank of America to opt out of this program. Their representative stated that there is no way to opt out. However, Visas own public documentation indicates that participation in XXXX is optional for cardholders and that issuers may process opt-out requests.

Bank of Americas refusal removes consumer control over personal financial data and exposes cardholders to recurring merchant charges they may not want to continue. I believe this constitutes an unfair and deceptive practice under federal consumer financial laws. 

I am requesting that the CFPB review whether Bank of Americas refusal to honor an opt-out right, or its failure to disclose this limitation clearly in marketing materials and agreements, violates consumer privacy and transparency standards. 

Please require Bank of America to disclose its XXXX opt-out policy in plain language and allow cardholders to withdraw from this data-sharing service if they choose.

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 2025-10-21 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: LA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
This complaint concerns an unnecessary and unfair delay in my ability to pay off my home mortgage, resulting in the accrual of interest that I should not be responsible for. The delay was caused by an administrative " blackout period '' during the transfer of my loan servicing from XXXXXXXX XXXX XXXX XXXX BNY Mellon. 

Initial Intent : On XX/XX/year>, I contacted the outgoing servicer, XXXX, to request a payoff letter with the intent to pay off my mortgage immediately on the effective date of transfer, XX/XX/year>. I have this payoff letter if needed. 

Servicer Advice : XXXX advised me to wait until the loan was officially transferred to BNY Mellon, the new servicer, on XX/XX/XXXX. Both XXXXXXXX XXXX XXXX BNY Mellon 's transfer letters stated the new servicer would accept payments on the effective date. 

Administrative Blackout : I contacted BNY Mellon on XX/XX/year> ( XXXX XXXX, spoke with Agent with initials XXXX. ), but was informed the loan was not yet visible in their system. I explicitly stated that I wished to pay off the loan immediately and argued that I should not be held responsible for interest accrued during this administrative blackout period, as my ability to pay was obstructed by the business transaction between the XXXX servicers. The agent promised a follow-up once the account was established. 

Continued XXXX & XXXX of XXXX : I followed up on XX/XX/year>, only to be told it would take another XXXX business days for the loan to be established, and to call back on XX/XX/XXXX or XXXX. I checked the website daily during this time, but the loan was not found. 

Resolution Obstruction : I was finally able to register my account on XX/XX/year>. I called BNY Mellon that day and requested a payoff, again clearly stating my position regarding the interest accrued during the administrative delay ( XX/XX/XXXX to XX/XX/XXXX ). The frontline representative insisted I must pay the full interest. I requested a supervisor and was told I would receive a callback within XXXX hours. BNY Mellon did attempt a callback that day, but I was unavailable to answer. 

Final Payoff : I called back on XX/XX/year>, and after XXXX frustrating calls where the customer service representatives could not or would not transfer me to a supervisor, I requested a payoff letter and paid the loan off in full. 

In summary, my ability to pay off my mortgage was prevented by BNY Mellon 's internal administrative delays between XX/XX/XXXX and XX/XX/year>, contrary to the effective date specified in their own transfer notices. I was unfairly penalized for the servicing transfer process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
I am writing under my rights granted by the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate and/or unverifiable information on my TransUnion credit report. 
Please investigate, verify, and delete or correct the following items within 30 days per 15 U.S.C.

1681i ( a ) ( 1 ) ( A ) and 1681e ( b ). 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/year> Reported : XX/XX/year> Balance : {$450.00} Status : Collection / Derogatory Issue : I have no verified contract or obligation with Allied Account Services. The furnisher has not provided proof of ownership or signed documentation authorizing this collection. This item may be linked to identity misuse, as my file contains active fraud alerts.

Request : Delete this account immediately under 1681c-2 ( identity-theft block ) and 1681i ( a ) ( 1 ) ( A ) due to lack of verified evidence and possible identity compromise. 
XXXX. XXXX Credit Card Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported late 30 days in early 2025 Issue : Payment history is inaccurate and inconsistent across bureaus. I made on-time payments, and the late marking conflicts with other reporting dates. This violates the FCRAs requirement of maximum possible accuracy. 
Request : Update payment history to Paid/Current or delete the tradeline entirely under XXXX ( b ) and XXXX ( a ) ( XXXX ). 
XXXX XXXX XXXX XXXX XXXX XXXX Reported on or around XXXX Linked accounts : XXXX  XXXX XXXX, XXXX Issue : This public record may be incomplete or outdated. Please provide the exact source, court, and verification method used. If you can not provide verifiable documentation, this record must be deleted.

Request : Provide full method of verification per 1681i ( a ) ( 6 ) ( B ) ( iii ) or remove the record for failure to verify.

I request : 1. Full reinvestigation of each item listed.

2. Deletion of any unverifiable or identity-theft-related information.

3. Written confirmation of results within 30 days.

4. A copy of the method of verification and the furnishers contact details. 
Ive enclosed copies of my ID and proof of address for verification purposes. 
Please send all replies in writing

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 2025-10-21 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: FL

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 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-10-21 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: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-21 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: IL

Complaint narrative:
I am disputing the accuracy of the following information on my Experian credit file, as provided in my report dated XX/XX/year>. Please investigate these matters under FCRA XXXX ( XXXX XXXX. XXXX ) and delete or correct any unverifiable or duplicate data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported as 60 days late. 
I dispute this entry as inaccurate and request verification showing the exact date payment was received. 
If such verification can not be produced, the late mark must be deleted as unverified. 
XXXX. Department of Education XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Several entries for the same loan all show 120 days late. 
Duplicate reporting violates XXXX ( b ) and XXXX ( b ). 
Please delete all duplicates and verify only XXXX accurate tradeline. 
XXXX. XXXX XXXX Remove any old addresses or name variants not currently used. 
Keep only : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 
Please mail me an updated copy of my report and a written explanation of your reinvestigation method per 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 2025-10-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CA

Complaint narrative:
I filed a dispute with cash app about funds stolen from my account at a XXXX atm but I had my card the whole time. This happened twice with XXXX different cards at XXXX different times. Both disputes were denied and now they have canceled my card account. They won't even tell me where this XXXX is at so I can try to have cameras prove that I didn't not do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN ( last XXXX ) : XXXX Date : XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute of Inaccurate and Unverifiable Account Information under FCRA and Metro 2 Guidelines To Whom It May Concern, I am writing to formally dispute several accounts currently reporting on my TransUnion credit file. Upon reviewing my credit report ( XXXX XXXX. XXXX ), I discovered the following accounts contain inaccurate, incomplete, out of date and unverifiable information that fails to meet Metro 2 reporting standards and violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Accounts in XXXX : XXXX. XXXX XXXX XXXX Acct # XXXX XXXX XXXX. XXXX / XXXX XXXX Acct # XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  XXXX. XXXX XXXX Acct # XXXX XXXX Basis of Dispute The information reported by these furnishers is inaccurate, unverifiable, and not being reported in compliance with Metro 2 format standards. Each furnisher listed above has failed to accurately and consistently report key data fields, such as : Account status and payment history codes, Dates of first delinquency or last activity, Accurate balance, charge-off, or collection status, Proper compliance condition codes required by Metro 2 , Current and accurate ownership/responsibility status.

Under FCRA 602 ( A ), all information on a consumer report must be accurate, fair, and verifiable. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) requires data furnishers to provide information that is complete and accurate, and 611 ( a ) obligates TransUnion to conduct a reasonable reinvestigation of disputed information.

Because these accounts contain discrepancies, out of date information and unverifiable information, I formally request that you : 1. Conduct a full reinvestigation with each data furnisher ; 2. Require documentation validating the accuracy and ownership of each account ; and 3. If verification can not be substantiated within the 30-day investigation period required by FCRA 611 ( a ) ( 1 ) ( A ), immediately delete these accounts from my credit file.

Requested Action Please either : Correct each account to reflect 100 % verifiable and Metro 2compliant data ; OR Delete each account entirely if accurate verification can not be provided.

I expect written confirmation of the outcome within 30 days, as required by law.

Please mail the results of your reinvestigation to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
This debt originated from a personal loan through XXXX, later sold to Midland Credit Management and handled by XXXX XXXX XXXX. Before any lawsuit was filed, I mailed written settlement offers with proof of delivery to both Midland and XXXX XXXX, but they ignored my correspondence. Despite my good faith attempts to resolve the matter, Midland proceeded with legal action using incorrect address information in their filings. I never received acknowledgment or communication regarding my offers.

After the lawsuit was filed, I again tried to resolve the debt fairly, including appearing in court and submitting a motion to dismiss, but the law firm continued pursuing judgment without addressing my concerns. Their actions violated fair debt collection practices by ignoring valid settlement efforts, providing incomplete verification, and pursuing legal judgment without properly responding or engaging in resolution attempts.

Company response to consumer: Closed with explanation