vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
We upgraded to the new XXXX XXXX XXXX  with Bank of America. We were told we had to apply for a new credit card when we did so. We then called to cancel the old card and the credit line on the old card was supposed to be transferred to the new card, but wasn't. 

Then, we made purchases on the new card and paid the balance immediately after those purchases. We then were told our card was being denied because we were over the credit limit. The payments had already cleared our account and our account balance was NOT over the credit limit, however, we were informed the payments were put on a 10 day hold so our credit card account was over the credit limit. 

In multiple conversations with BOA we were never informed of the 10 day holds, we were never informed our credit limit wasn't transferred from the original card, and we were never informed that we would be denied access to use the card we pay for, even after payments had cleared from our bank. We have been customers for 19 years, have never missed a payment and have never had a payment denied. It is shady business practices at best to 1. Accept payment and say you haven't accepted it and 2. Charge for a credit card that someone can not use.

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 2025-12-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I did a trade in when i came for my car the dealership went out of business and sandtander waited for my car to come out the shop and they stole my vehicle with my property inside my car I paid for my car to be released took my car and never refunded me my money owed on my car nor none of my property they done unjustenrichment double dipping and financial extortion and exploitation sold my data info and trade lines to a tow truck company after I paid them and had XXXX of repairs done to my car it was in a hit and run soon as I got my car out they stole my car while I was living at XXXXXXXX XXXX XXXX XXXX XXXX I owe them nothing they owe me money I requested all 1099 misc and 1099 oid filings currently they are under a law suit and I'm still owed money today I got a call from a debt collector they hired it's illegal to sell consumers information and it's illegal to do repossessions in the state of il I was never summoned for court nor was I served nor did I have the opportunity to defend my self today I got a call from a XXXX XXXX. I asked what was the call regarding to the female refused to answer me then she blocks me from calling back I told her it's illegal to by consumers debts and not to call me back again I called back spoke to a man and he told me it's sandtander I said not the car bank that owes me money and is currently under a lawsuit with other banks like XXXX XXXXXXXX it's illegal to sell consumers debts he said it's a XXXX XXXX XXXX then read off a address of XXXXXXXX XXXX XXXX I been moved from that place and I lived at XXXX XXXX XXXX XXXX is where they stole my vehicle from I honestly thought he was talking bout my XXXX XXXX XXXX which I told him I reserved all rights over the repossession you can check the call records it is recorded the threats saying they mediation and playing on my phone I haven't lived at that address so I know they buying and selling my information which they done fruad and stole my car and property it's been over 9 or 8 yrs I have no debt obligations with them and I told them I will file a ucc.1 violation on santander and they debt collector company requested that they don't call me. So I'm feeling like ive been targeted by crooked police and their crooked car dealership banks that operated in DISHONOR you can call them and request for all itemized remittance list the cost of my car and how much I'm owed from sandtander 18 usc 1431 12 usc 1431 42 usc 1983 28 usc 242 and 28 usc 241 15 usc 1681 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
I am disputing the accuracy of the following accounts on my Experian credit report. These accounts are incorrectly reported and need to be investigated for accuracy. 

CHARGED OFF ACCOUNTS : XXXX  XXXX XXXX, XXXX, XX/XX/XXXX, {$750.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$500.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$190.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} INQUIRIES : XXXXXXXX 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 2025-12-22 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: AZ

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} XXXX XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX  XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries [ No inquiries listed for Equifax ] Late Payments XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I am disputing an eviction-related debt that continues to be reported inaccurately on my credit file by Professional Debt Mediation. 

Account details : Collection Agency : Professional Debt Mediation Original Creditor : XXXX XXXX ( formerly known as XXXX  ) Date Assigned : XX/XX/2023 Amount : {$5600.00} Account Type Reported : Individual account This debt is being reported as an individual account belonging to me, which is incorrect. 
I have disputed this account multiple times with the credit bureaus. In response, the furnisher claims the debt has been verified. However, the documentation provided as proof does not support this claim. The documents are addressed to another individual ( my mother XXXX and step-father XXXX, who is now deceased ), not me. My name does not appear anywhere on the alleged lease or agreement, and the signatures shown are not mine. I never signed any contract agreeing to be financially responsible for this debt. Additionally, I was XXXX XXXX XXXX at the time I first move into the property with my family. As a XXXX, I could not legally enter into a binding lease or be held individually financially responsible for housing-related debt. Reporting this account as an individual obligation is therefore inaccurate and legally invalid. 

Despite being provided with this information and documentation, the furnisher and credit bureaus continue to report this debt as mine. This indicates a failure to conduct a reasonable investigation and continued reporting of inaccurate information, in violation of the Fair Credit Reporting Act. I am requesting that this account be removed from my credit report immediately and that Professional Debt Mediation cease reporting this debt as an individual account attributed to me. I have attached copies of the documentation provided by the furnisher showing the name mismatch, along with identification confirming my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: AL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} Inquiries [ No inquiries listed for TransUnion ] Late Payments XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Hello, I am attempting to pay a charged off credit card debt to Capital One in full. The debt is with Capital One, but they have it being managed by a third-party collection agency. The collection agency 's notice explicitly states that they are " trying to collected debt owed to Capital One. Based on this and discussion I had with the representatives, the debt is not sold and Capital One still owns it. 

I have a XXXX  XXXX  ready to pay and Capital One is not allowing me a way to pay them directly. Customer service representatives stated repeatedly that I must pay the third-party agency and claim they can't recall the account. By blocking direct payment to the original creditor, they are forcing me into a third-party process that threatens the accuracy of my credit report and denies a clear definitive resolution. 

Here 's a breakdown of my requests with Capital One : I have called Capital One multiple times requesting : - Official written confirmation of their ownership and a recall of the account from a collection agency - Written settlement agreement - Procedure to pay Capital One directly Capital One has refused these requests. The representatives do acknowledge that the account is placed with the agency, they wont provide a written confirmation, start a recall, or provide a direct payment method. They only state that I must pay the third party. 
I have also sent a formal written settlement offer via certified mail to Capital Ones legal department at their corporate headquarters on XX/XX/year>. 

By not allowing me the consumer to pay the original creditor on a debt that they still own, Capital One is creating an unnecessary barrier that results in continued negative credit reporting and consumer confusion. I am ready and willing to settle the entire amount in full, but only if I can pay the actual owner of the debt to ensure correct reporting. 

I am requesting CFPBs assistance to direct Capital One to : - Recall the debt, and provide me with a written settlement agreement - Accept my direct lump-sum payment as full satisfaction of the debt - Ensure the account is reported accurately to the credit bureaus as paid/settled by the original creditor Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
Hello, I am attempting to pay a charged off credit card debt to XXXX XXXX in full. The debt is with XXXX XXXX, but they have it being managed by a third-party collection agency. The collection agency 's notice explicitly states that they are " trying to collected debt owed to XXXX XXXX. Based on this and discussion I had with the representatives, the debt is not sold and XXXX XXXX still owns it. 

I have a lump sum ready to pay and XXXX XXXX is not allowing me a way to pay them directly. Customer service representatives stated repeatedly that I must pay the third-party agency and claim they can't recall the account. By blocking direct payment to the original creditor, they are forcing me into a third-party process that threatens the accuracy of my credit report and denies a clear definitive resolution. 

Here 's a breakdown of my requests with XXXX  XXXX : I have called XXXX XXXX multiple times requesting : - Official written confirmation of their ownership and a recall of the account from a collection agency - Written settlement agreement - Procedure to pay XXXX  XXXX directly XXXX XXXX has refused these requests. The representatives do acknowledge that the account is placed with the agency, they wont provide a written confirmation, start a recall, or provide a direct payment method. They only state that I must pay the third party. 
I have also sent a formal written settlement offer via certified mail to XXXX XXXX legal department at their corporate headquarters on XX/XX/year>. 

By not allowing me the consumer to pay the original creditor on a debt that they still own, XXXX XXXX is creating an unnecessary barrier that results in continued negative credit reporting and consumer confusion. I am ready and willing to settle the entire amount in full, but only if I can pay the actual owner of the debt to ensure correct reporting. 

I am requesting CFPBs assistance to direct XXXX XXXX to : - Recall the debt, and provide me with a written settlement agreement - Accept my direct lump-sum payment as full satisfaction of the debt - Ensure the account is reported accurately to the credit bureaus as paid/settled by the original creditor Thank you

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 2025-12-22 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: CA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter 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 explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Issue : Debt was reported to credit bureau without proper notice Debt collector refused to validate the debt Incorrect information on my credit report Complaint Description : I am disputing a collection account reported by National Credit Systems on my credit report. The charges relate to move-out fees for the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. I moved out of this address on XX/XX/year>, so the address they sent the notice to was no longer valid. 

During phone calls with your office on XX/XX/year>, at approximately XXXXXXXX XXXX, XXXX XXXX  and XXXXXXXX XXXX the representatives stated that the notice was sent to that address, that the debt has been in collections since XX/XX/year>, and that the reporting of this account was my responsibility due to an alleged address change. They also stated there was nothing they could do regarding the reporting of this account. 

I did not receive proper written notice or validation of this debt prior to it being reported to the credit bureaus. I am requesting validation of the alleged debt, documentation showing when and how notice was provided, and removal from my credit report if the debt can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I deposited {$82000.00} with Bank of America on XX/XX/XXXX and was given a written " notice of hold '' indicating that {$6400.00} would be available on XX/XX/XXXX, with the bulk being withheld until XX/XX/XXXX. The funds are needed in order to cure ( XXXX ) XXXX outstanding mortgages with Bank of America. I've requested that they apply {$21000.00} worth of these funds from the pending deposit internally to cure the loans. No cash withdrawal is being requested. 

I visited Bank of America XXXX XXXX XXXX and although the representative tried to be helpful, I was ultimately forwarded to XXXX. 

When I called the number, I spoke to " XXXX '' employee # XXXX. She told me that no funds would be made available on XX/XX/XXXX and that the written receipt/notice-of-hold that I received on XX/XX/XXXX was incorrect. I asked her for a written response, and she said Bank of America would not provide XXXX. She said the call was being recorded and that I would need to submit a subpoena in order to receive the only response available ( her verbal one ). 

I've been a Bank of America customer for XXXX years. The deposit I made last week is from an estate attorney appointed by the State of Georgia. This same attorney has written several checks which were deposited to this same Bank of America account without any issues. The availability of these funds is easily verifiable. There is clearly no fraud risk involved, and the unnecessary extended hold period is not in the best interest of Bank of America Mortgage nor their customer.

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 2025-12-22 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payments XXXX XXXX Account Number : 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 2025-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: MA

Complaint narrative:
This is not a duplicate dispute stop saying its a duplicate your job is to investigate so investigate and stop throwing my complaint waste side. This is not my debt and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I entered into a closed-end installment loan with Affirm ( serviced by Affirm, creditor listed as XXXX XXXX ) to finance a retail purchase. 

Due to non-delivery of merchandise, the merchant later issued a partial refund of {$350.00}, which was applied to the loan. 

After the refund, I discovered that the loan was not re-amortized and the finance charge was not recalculated. Instead, the refund was applied in a manner that reduced the number of remaining payments or the final payment, while interest continued to accrue based on the original loan structure. 

I contacted Affirm multiple times and escalated the issue to supervisors, requesting a written explanation of how the refund was applied, whether interest was recalculated, and whether an updated Truth in Lending disclosure was required or issued. Affirm ultimately confirmed that under its policy, partial refunds do not trigger re-amortization or recalculation of interest, and that no updated Truth in Lending disclosure would be provided. 

My concern is not a calculation error, but that the treatment of partial refundsspecifically continued interest accrual on amounts associated with undelivered merchandiseis not clearly or transparently disclosed to consumers at the point of sale. This outcome materially differs from how refunds are treated under revolving credit products and is not reasonably apparent to consumers when agreeing to the loan terms. 

I am submitting this complaint to raise concerns regarding the clarity and adequacy of disclosures related to refunds and interest on closed-end installment loans offered by Affirm.

Company response to consumer: Closed with explanation