vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I have been a Bank of America credit card customer for many years with a strong payment record until hardship struck. My credit score was high and I had never carried large balances. 

Everything changed when my mother was diagnosed with XXXX  XXXX at the start of XXXX. I left my work, business, and home to care for her in XXXX  until she passed at the end of XXXX. After returning to XXXX XXXX, I was forced into a divorce and custody battle. That left me with more than {$80000.00} in debt, reduced income, and the responsibility of providing stability for my child under crushing stress. 

On top of that, I endured XXXX XXXX  in XXXX  months, including painful revisions, followed by a serious T-bone car accident that left me further XXXX. These cascading hardships destroyed my ability to keep up financially, but I still reached out to Bank of America in good faith. 

I proactively contacted the bank about my XXXX credit card accounts ending in XXXX XXXXXXXX ( {$7100.00} ) and XXXX XXXXXXXX ( {$3200.00} ). I explained my situation and asked for hardship relief : reduced payments, waived fees and interest, or a structured plan. I was told I did not qualify because I had not defaulted. The only option they gave was lowering my monthly payment while still charging full interest and late fees. This was not true relief, it was a trap that guaranteed deeper debt. 

To verify, I consulted with XXXX outside financial assistance programs. Both confirmed the same reality : Bank of America left me no viable path other than default. This meant that despite my efforts to be proactive and responsible, I was punished for asking for help. 

Predictably, I fell behind. Once in arrears, Bank of America still offered no meaningful assistance. Instead, they demanded lump-sum settlements with minimal reductions, refused to offer affordable installment plans, and showed no recognition of my long positive history as a customer. Their approach was punitive and predatory, not supportive.

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 2025-09-03 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: UT

Complaint narrative:
I signed up for XXXX XXXX and immediately canceled it. I never had the XXXX XXXX. XXXX continued to bill me for the service but then when they found the error, they completely deleted it. There is no delinquent history with XXXX at all. I never had a XXXX account. XXXX has fixed this on their end, but the credit bureaus still report missed payments on my credit when I in fact, never had a XXXX account. I NEVER HAD A XXXX ACCOUNT. I HAVE NO DEBT WITH XXXX AND I WANT THIS ENTIRE RECORD REMOVED FROM MY CREDIT REPORT ON ALL THREE BUREAUS IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/XXXX I received a text stating my phone number had been changed with my online banking which i did not do. I know this was approximately XXXX p.m. The number that it was changed to was XXXX. I was getting off work when all this occurred and as soon as I got home I called the bank at XXXX p.m. to find out what was going on and I also went on my account online and seen the charges and let them know this wasn't me. They said I can not dispute the charges until they are no longer pending. The charges are as follows : XX/XX/XXXX at XXXX p.m. for the amount of {$1900.00} to XXXX XXXX XXXX XXXX using a card that the last XXXX digits are XXXX and same date at XXXX p.m. for {$1800.00} to XXXX XXXX at step.com and using the same card ending in XXXX. My credit builder virtual card ends in XXXX and physical card ends XXXX and my virtual debit card ends in XXXX and my physical debit card that I use ends in XXXX but online it shows the physical debit card ends in XXXX. None of my card numbers end in XXXX. Chime tries to say it is my debit card and I tell them it is not. On XX/XX/XXXX at XXXX A.M. I call and speak to someone with the XXXX Police Dept., my local law enforcement and ask what I should do and they say if I need a police report to call them back but try to deal with the bank first. On XX/XX/XXXX at XXXX p.m. I call Chime back and I file the dispute over the phone and the dispute number is XXXX. On XX/XX/XXXX at XXXX p.m. I receive an email stating my dispute had been investigated and the investigation 's conclusion was that no error had occurred and no funds will be replaced. On XX/XX/XXXX at XXXX p.m. I called Chime back to find out why and they do not know and will email me the reason for the denial within ten business days. On XX/XX/XXXX at XXXX p.m. I called XXXX Police Dept back and filed a police report with XXXX XXXX and the report number is XXXX. I spoke with XXXX XXXX on XX/XX/XXXX again at the following times : XXXX p.m., XXXX p.m., and XXXX p.m. I did not make these transactions, I have no idea who did and this is a huge amount of money that has been stolen from me and I demand answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am the titled owner of a XXXX XXXX Enclosed Trailer, financed by Sheffield Financial ( a division of Truist Bank  ). The loan was canceled, and a XXXX was issued on XX/XX/XXXX, reporting the balance as canceled debt to the IRS. 

Despite repeated documented requests via email and certified mail, XXXX XXXXTruist has refused to release the lien and stated, in writing, that the lien will not be released until the balance is paid. This contradicts : Federal IRS regulations Issuing a XXXX confirms the debt is discharged. 

Missouri statutes XXXX XXXXXXXX, XXXX, and XXXX Lienholders must release liens within five business days of debt satisfaction or cancellation. 

RSMo XXXX ( XXXX ) Provides for liquidated damages up to {$2500.00} per lien for failure to release. 

I am requesting regulatory intervention to compel XXXXTruist to : Immediately release the lien. 
Correct their records with the Missouri Department of Revenue. 
Address statutory noncompliance and consumer harm. 

Supporting documentation below can be provided upon request : 1099-C issued by Truist Current Missouri title showing the lien Copies of Email correspondence and certified mail receipt Sheffields written refusal to release the lien

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 2025-09-03 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: NJ

Complaint narrative:
I am filing a complaint because the credit bureaus are still reporting inaccurate collection accounts on my credit file : XXXX XXXX  {$430.00} : Reported as Closed by TransUnion, Disputed by Experian, and Charged Off Collection by Equifax. These can not all be true. 

Upstart/Finwse {$1200.00} : One bureau shows this account as Current, another as Open Collection, and another as Charged Off. These contradictions make it unverifiable. 

XXXX  {$410.00} : TransUnion shows it Closed, Experian reports Collection, and Equifax says Charged Off. These reporting conflicts violate the FCRA.

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 2025-09-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NJ

Complaint narrative:
I reached out to the company on XXXX XXXX when I noticed the fraudulent transactions on my account. I informed them that I hadn't made any purchases at XXXX for {$720.00}. nor did I make a purchase at wr oil company. For over 4hrs whoever had my information was trying to make a pin purchase. They was trying to figure out my pin by trying to check my balance at different locations in Michigan. Even though I live in NJ and used on XX/XX/year> at around XXXX XXXX  and presented my card in nj roughly one hour later my card was being used in Michigan and my card isn't present.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-03 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: WA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$34000.00} XXXX  XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: IN

Complaint narrative:
I was a customer of XXXX for 23 years. I recently had to leave XXXX because they were no longer affordable. There were much cheaper plans out there. When I left, they sent me a bill for over {$500.00}. My first thought was ... for what? The associate at XXXX told me it was a " XXXX XXXX '' and all I was responsible for was the activation costs. When I really looked into my bills... they had been charging me approx {$74.00}. XXXX a month. ( For A Free Phone ). I asked for debt validation over 30 days ago. 
I sent another communication certifi d mail, reminding they they fail to validate and have sent me to collections. That was on XXXX. 
On XXXX I received another bill from XXXX and a brief letter stating... here is the information you requested. 
Not even close! All they sent me was a specific dates phone calls made. Also I found that I have been charged for a old smart phone since XXXX, in the approximate amount of {$4700.00} to date. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details.

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

Company response to consumer: Closed with explanation