vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am filing a complaint regarding a fraudulent XXXX transaction through my Bank of America account. I was deceived into sending a total of {$1100.00} to an individual named XXXX XXXX for business services that were never delivered. XXXX XXXX presented himself as a legitimate contractor who would build and manage a XXXX website and advertising system for my company, XXXX XXXX. After receiving my payments through XXXX, he repeatedly changed his story about project progress, provided inconsistent explanations, and when I asked for clarification, he ghosted me completely. 

He has done XXXX work for a website, XXXX graphic design work ( which was supposed to be completed by a third party ), and lied about creating Meta ad campaigns even admitting later that he had not done so. I have full written evidence of these conversations, the payment confirmations, and his admissions. 

I reported this to Bank of America and filed a fraud claim, but it was denied because the transaction was considered authorized. However, this was not an authorized personal payment it was a fraudulent business transaction involving deception, misrepresentation, and false promises. This situation meets every standard definition of fraud, and I am requesting that Bank of America reopen my claim for review and issue a full refund of {$1100.00}. The evidence clearly shows that this was fraud, not a voluntary or legitimate transaction.

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 2025-10-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccuracies & Violations : The account is reported by all bureaus as Closed Collection/Charge-off, but the date of last activity and balance information differ : TransUnion : last activity XX/XX/XXXX, balance {$420.00}. 

Experian : last activity XX/XX/XXXX, balance {$420.00}. 

Equifax : last activity XX/XX/XXXX, balance {$420.00}. 

No verifiable contract or permissible purpose for continued reporting exists, contrary to 15 U.S.C. 1681b ( a ) ( 3 ) ( A ) and 1681s-2 ( b ).

The account includes language such as account assigned to attorney or internal collection department but lacks any identifying collector information a deceptive omission under UDAAP.

Reporting different dates and statuses across bureaus misrepresents the nature and recency of the debt, which constitutes an unfair and misleading practice under UDAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccuracies & Violations : The account is reported by all bureaus as Closed Collection/Charge-off, but the date of last activity and balance information differ : TransUnion : last activity XX/XX/XXXX, balance {$420.00}. 

Experian : last activity XX/XX/XXXX, balance {$420.00}. 

Equifax : last activity XX/XX/XXXX, balance {$420.00}. 

No verifiable contract or permissible purpose for continued reporting exists, contrary to 15 U.S.C. 1681b ( a ) ( 3 ) ( A ) and 1681s-2 ( b ).

The account includes language such as account assigned to attorney or internal collection department but lacks any identifying collector information a deceptive omission under UDAAP.

Reporting different dates and statuses across bureaus misrepresents the nature and recency of the debt, which constitutes an unfair and misleading practice under UDAP.

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 2025-10-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccuracies & Violations : Reported by all bureaus as Closed Charged-off, with differing high balances ( {$10000.00} vs {$9300.00} ) and inconsistent date of last activity. 

The accounts payment history is incomplete ( no two-year history for TransUnion ), violating 15 U.S.C. 1681e ( b ) ( requirement of maximum possible accuracy ).

Reporting as both auto loan and collection creates a misleading dual status, an unfair act under UDAAP. 

The alleged charge-off lacks proof of actual default and fails to show compliance with state UDAP laws governing truthful loan servicing and repossession.

UDAP/UDAAP Context for the Auto Loan : UDAP ( state-level ) and UDAAP ( federal-level ) laws prohibit deceptive loan servicing, misapplication of payments, and false reporting of default. 

Under 12 U.S.C. 5531 ( c ), a practice is unfair if it causes substantial injury to consumers not reasonably avoidable. Reporting false delinquency dates or inflated balances qualifies as such injury.

12 U.S.C. 5536 ( a ) ( 1 ) ( B ) forbids any entity from engaging in deceptive representations related to credit or debt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: IN

Complaint narrative:
XXXX XXXX is reporting a XXXX XXXX XXXX. account ( Acct XXXX XXXXXXXX, balance {$690.00}, opened XX/XX/scrub>XXXX  ). I dispute this account as inaccurate, incomplete, and unverifiable. 

Under FDCPA, 15 U.S.C. 1692g, a debt collector must provide verification, including a signed contract and complete accounting. I formally requested this, but XXXX XXXX failed to provide adequate documentation. 

By continuing to furnish derogatory information without validation, XXXX XXXX is in violation of the FCRA, 15 U.S.C. 1681e ( b ) ( duty of accuracy ) and 1681s-2 ( b ) ( duty to investigate and correct upon dispute ).

Consumer Harm : This unverifiable reporting is unfairly lowering my credit score and negatively affecting my ability to obtain housing and financing.

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 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
XXXX, XXXX and demand for disclosure under TILA. 

During my bankruptcy racket I paid {$56000.00} ( including XX/XX/year> payment ) which in three years covered in full all demanded from me past and present dues for never disclosed creditor On XXXX XXXX I paid in full for my home insurance {$1300.00} and I currently have over {$2000.00} escrow surplus which is stolen from me According to Reinstatement Quote for my XXXX insured loan serviced by fake company PennyMac Loan Services , LLC XXXX which is prepared and sent to CFPB by unregulated Artificial Intelligence used for criminal purposes by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I allegedly did not pay anything between XXXX XXXX through t XX/XX/year> and this AI wants from me {$6900.00} This amount includes {$910.00} demand for escrow payments which I already paid as well as all 10 months of XXXX- which I also already paid. 

According to AI- generated billing statements for my either VA- guaranteed, XXXX insured or conventional loan where XXXX is XXXX as my only and original creditor, I have {$10000.00} past dues which are also based on unpaid escrow According to VA rules, they pay for any escrow past dues if such past dues exist. 

Bear to repeat, I have over $ XXXX escrow surplus - which under all laws must be kept on interest bearing account, and specially California laws- where my payments are collected by XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX and where PennyMac is located- all my escrow payments must be kept on interest bearing account Please disclose how all these reinstatement quote and billing statements were calculated and by whom. Provide me full accounting records and a copy of the ledger where my payments are deposited Provide me proof that my escrow surplus and all escrow payments during last XXXX and XXXX years were kept on interest bearing account and how much interest was applied. I demand to return criminally collected from me escrow surplus Please disclose how much was paid for any claims- including claims for legal fees and escrow- by any insurer or guarantor and provide me proof of these payments Disclosed that PennyMac did with my {$56000.00} payments. Did it keep it for themselves or did it forward these money to someone else? To whom? 

Please disclose who is entitled to receive and who actually received {$56000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: MI

Complaint narrative:
I am disputing an account reported by XXXX that was closed on XX/XX/year>, shows a {$0.00} balance, and is marked Purchased by another lender. 

TransUnion has already removed this account from my credit report after verifying the inaccuracy. However, Experian and Equifax continue to report this account tied to an outdated address that is no longer connected to me. 

This violates : FCRA 604 Permissible Purpose : There is no permissible purpose to continue reporting an account that has been sold and no longer represents an active consumer relationship.

FCRA 611 Method of Verification : Both bureaus have failed to provide the name, contact, and documentation source used to verify the accuracy of this account.

FCRA 623 Duty to Report Accurate Information : Reporting a sold or transferred account with an outdated address constitutes inaccurate and incomplete reporting. 

I am requesting the removal of this account from both Experian and Equifax and deletion of the outdated address associated with it. Please update my file to reflect accurate and verifiable information. 

I have attached : XXXX showing Purchased by another lender and closed date Proof of TransUnion removal Proof of my current address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Credit card 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: VA

Complaint narrative:
I received a write of garnishment on XX/XX/year>. This is the second time Midland funding has used my information without my consent. They are using unethical practices to collect allege debt past statute of limitations by filing write of garnishments in a jurisdiction I am not in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The presence of adverse information on my credit file has become a source of major distress and XXXX for me. I am extremely troubled by how this negative entry is affecting my financial opportunities and creditworthiness. This derogatory mark has already led to the rejection of a recent credit application and has caused my current lenders to raise the interest rates on my accounts. I need to stress the substantial economic hardship and personal strain that this negative reporting has inflicted upon me and will continue to inflict unless it is properly addressed and corrected.

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 2025-10-05 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC
State: ID

Complaint narrative:
Applied for credit card based on the receiving of an offer in my email. Was denied based on length of time of accounts, too few revolving accounts etc. most of my credit report is inaccurate causing this denial of my ability to get credit. The incorrect information should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Comenity Capital Bank continues to report the XXXX XXXX XXXX account as delinquent despite acknowledging it was charged off on XX/XX/year> with a balance of {$4100.00}. This is the third CFPB filing concerning the same tradeline. The bank has never provided any documentation proving ownership, assignment, or accounting transfer of this debt post-charge-off.

Violations and Legal Argument 1. FCRA 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ) furnishing and maintaining inaccurate information and failing to reinvestigate adequately.

2. FDCPA 807 ( 8 ) ( 15 U.S.C. 1692e ( 8 ) ) false representation of the character or legal status of a debt. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX prohibits double recognition of losses. Reporting new delinquencies after charge-off constitutes a misstatement of financial condition. 
4. Uniform Commercial Code ( U.C.C. ) Article 9-210 failure to provide an accounting of collateral or assignment upon written request.

5. FCRA Civil Liability willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 1681o.

Direct Discrepancies Billing statements show charge-off, yet credit bureaus display continuing late-payment history. 
No proof of sale, transfer, or ownership has been provided. 
No accounting ledger or reconciliation confirming how the {$4100.00} balance was treated after charge-off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I hope to draw the attention of relevant authorities. The bank illegally withheld funds from my account and froze it while I was traveling internationally. As of XX/XX/XXXX, my account was completely closed. I have yet to receive a check for my remaining balance. As a legal U.S. tax resident, why are they seizing my personal assets? Each time, they just give me perfunctory emails without any substantive resolution. We placed our money with Citi Bank out of trust. Did the bank embezzle our funds? Did it misappropriate them? Did it arbitrarily freeze them and refuse to return them? I uploaded my account balance statement now.Its belongs XXXXPlease return it. I also recorded and backed up all our communications.

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 2025-10-05 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: MI

Complaint narrative:
TransUnion has repeatedly mishandled my credit file and failed to comply with and in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX. XXXX Account Ending XXXX Illegal Reinsertion * This account was reported with a late payment in XX/XX/XXXX. 
* I immediately disputed it online on XX/XX/XXXX, and on XX/XX/XXXX TransUnion completed the dispute and updated the account to on time/ok. 
* However, on XX/XX/XXXX, TransUnion reinserted the late payment without sending me the legally required reinsertion notice under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

* I received absolutely no communication or notice of reinsertion, and TransUnion failed to provide the name and address of the furnisher as required by law. 

XXXXXXXX XXXX XXXX XXXX  Dispute Record Erased * I mailed a certified dispute on XX/XX/XXXX, which TransUnion marked as received and in dispute on XX/XX/XXXX and verified on XX/XX/XXXX. 
* After a XXXX day verification, the record of this certified dispute disappeared from my file so I immediately filed another online on XX/XX/XXXX. That dispute now says results by mail. Under 15 U.S.C. 1681i, TransUnion is required to maintain and accurately reflect dispute records, which they failed to do.

I have attached certified mail receipts, dispute confirmations, and screenshots supporting documents. I understand mistakes happen and would appreciate a prompt resolution however if these issues are not corrected, I will pursue all remedies available including legal action. 

Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: DE

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, BBB, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 


Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The presence of adverse information on my credit file has become a source of major distress and anxiety for me. I am extremely troubled by how this negative entry is affecting my financial opportunities and creditworthiness. This derogatory mark has already led to the rejection of a recent credit application and has caused my current lenders to raise the interest rates on my accounts. I need to stress the substantial economic hardship and personal strain that this negative reporting has inflicted upon me and will continue to inflict unless it is properly addressed and corrected.

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 2025-10-05 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The presence of adverse information on my credit file has become a source of major distress and anxiety for me. I am extremely troubled by how this negative entry is affecting my financial opportunities and creditworthiness. This derogatory mark has already led to the rejection of a recent credit application and has caused my current lenders to raise the interest rates on my accounts. I need to stress the substantial economic hardship and personal strain that this negative reporting has inflicted upon me and will continue to inflict unless it is properly addressed and corrected.

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