vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: LA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. I would like to assert that no permissible purpose under XXXX USC XXXX ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

XXXX U.S.C XXXX ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. XXXX U.S.C XXXX ( b ) ( XXXX ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C section XXXX A Section XXXX : States a consumer reporting agency can not furnish an account without my written instructions. 

XXXX U.S.C XXXX ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

XXXX U.S.C XXXX ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX U.S.C XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX U.S. Code XXXX ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX. I was victim of fraud. I was dealing with a company called XXXX. I have been ordering apparel from them for several years. The only means of communication with them is through facebook messenger. ( They are overseas ). I messaged them with an issue with a return. I was contacted immediately through messenger XXXX customer service. The person communicating with me asked for basic info .Name, bd and phone number. Unbeknownst to me this was a person who hacked into XXXX and was able to get my info. This person opened a XX/XX/XXXX account under my name. He proceeded to fill out and have 3 transaction sending money to XXXX. I immediately saw the charges pop up on my BOA account through my notifications i immediately realized i was being scammed. I called BOA as the third charge of {$100.00} was going through. BOA closed my account immediately which stopped the third charge from posting. Unfortunately BOA let the other 2 of {$100.00} each post. They denied my fraud claim. I called them and appealed to them explaining that i caught the fraud as it was happening and reported it immediately as it was in pending. They turned down my appeal. I reached out again with another appeal. Turned down again. I reached out to XX/XX/XXXX. I was contacted by a XXXX XXXX who basically said there was nothing she could do except sent out for another appeal. Turned down. XXXX had said she would contact me with an update. She never did. The number XXXX gave me with her ext would not go through. There was no way to contact her and she never sent me a follow up email on our conversation. I wrote the XX/XX/XXXX to add a follow up on my claim. XXXX called me. She introduced herself saying she was calling in response to my recent claim. I do not think she remembered she had spoken to me before. I reminded her of out last conversation and had to explain the entire situation again. Again she said there was nothing she could do and for me to contact the fraud dept again. With this particular claim I had contacted the fraud dept. numerous times. I called the fraud dept as directed by XXXX and asked for another reconsideration. I told the representative that i had a copy of the messaging proving that XXXX did an investigation and concluded that i was scammed. I as told to mail a copy of my conversations. i mailed it today, XX/XX/year>. In conclusion, i reported the fraud as it was happening stopping the third transaction as it was happening. I was scammed and BOA is not protecting me. I did everything i was supposed to do when it happened. They already charged me back along with 2 foreign transaction fees.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XXXX Truist Bank emptied one of our checking accounts by debiting the account {$1300.00} completely without our knowledge. After contacting their customer service, engaging with 3 people over an hour plus long conversation. I was connected with a supervisor by the name of XXXX at XXXX who then transferred me to a loan servicer by the name of XXXX ( foreigner ) whom we could barely understand. This yelled at us, refused to even listen to the fact that we've never skipped two months of payments. He created so much hostility during our time of panic. He was extremely unknowledgeable and neglected to review the account correctly refusing to hear anything that we said. 

After we both took time off work to go the bank together ( 2 hours it took ) only find that they put my auto loan in collection status, reported it to the credit bureau but never contacted either one of us by phone, letter, nor email and they have all of our demographic info. I even ask for the numbers that they called from which were never given. However, he argued with us repeatedly that we were contacted. 

I've never skipped any months of my {$650.00} car payment, and have only been late twice with XX/XX/XXXX being the 2nd time. 

XX/XX/XXXX was the first time that my payment due date of the XXXX was paid late {$660.00} on XX/XX/XXXX. I then made another payment on XX/XX/XXXX {$660.00}. And carried on with my monthly premiums. All caught-up right? No!! 

We found that they misapplied the XX/XX/XXXX payment and in their eyes I skipped the entire month so they took two payments causing a range of fees, and mental anguish. The bankers day was held up for 2+ hours on a speaker phone with their customer service department where everything was resolved.

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 2025-11-25 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: GA

Complaint narrative:
I am writing to formally dispute certain items on my credit report, dated XX/XX/year>, provided by Equifax. After reviewing my credit file, I have identified several discrepancies that may violate the Fair Credit Reporting Act ( FCRA ), which requires that information reported to credit bureaus be complete and accurate. Please investigate these items and correct any errors in compliance with the FCRA. 
Disputed Accounts : Charged Off Accounts : 1. Account Name : XXXX XXXX XXXX Account Number :XX/XX/XXXX Balance : {$0.00} Date Opened : XX/XX/year> This account is listed as " charged off, '' but I believe there may be inaccuracies regarding the payment history, balance, or reporting timeline. I request that you investigate and correct this issue. 
2. Account Name : XX/XX/XXXX Account Number : XX/XX/XXXX Balance : {$0.00} Date Opened : XX/XX/year> Please verify this accounts information, as there may be discrepancies in the balance or status. 
Inquiries : 1. Account Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> This inquiry appears to be unauthorized. Under the FCRA, only authorized parties may access my credit file. Please verify the legitimacy of this inquiry and remove it if unauthorized. 
Late Payments : 1. Account Name : XX/XX/XXXX Account Number : XXXX Late Payment Date ( s ) : XX/XX/year> I dispute the reported late payments as the records appear inaccurate or incomplete. Please review and correct the payment history on this account. 
Additionally, I request confirmation that my personal data is being safeguarded according to the FCRA. If there has been any unauthorized disclosure of my personal information, it would constitute a Data Breach, violating my privacy rights. 
Please update my credit report to reflect accurate information. If no resolution is reached within 30 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Our mortgage recently been transferred to a company called Shellpoint mortgage : XX/XX/XXXX The website has been under maintenance for 2 months now. Consumers are not able to use the website to access the mortgage, make payments and/or view any documents. The only way consumers are able to do is to call customer service, which they don't know how to help. The only way to make payment is to mail the check or pay over the phone and risk your information being stored and/or monitored. Their online chat is also a blank page. There is nothing for terms and conditions nor I can access my mortgage statements. I would like to complaints about the service and the performance of this scam company.

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 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
This debt is from XX/XX/XXXX, XXXX. 
I have sent letters expliciatley stating that I am on XXXX Retirement which is Protected Inciome and by Federal Law as there is NO EXEMPT Funds available, I am not responsible to repay the debt. 
They have now, through an Attorney, to sue me in XXXX XXXX XXXX XXXX, XXXX XXXX Minnesota. 
I sent to the law firm on at least 3 occasions the letter to not contact me, it was ignored. They then sent me a legal document requesting I answer questions which I did. Now they have sent me notice they are suing me in court for the amount due

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of an item listed on my credit report. After reviewing my credit report, I noticed that the account referenced below is inaccurately being reported as charged off every month, which violates the Fair Credit Reporting Act ( FCRA ). 

BANK OF AMERICA Account Number : XXXX According to the FCRA, an account can only be charged off once, and it should not reflect multiple charge-offs on my credit report. This repeated reporting misrepresents my credit history and undermines my financial standing. 

I kindly request that you investigate this matter and correct the inaccuracies. Please provide me with written confirmation of your findings and any actions taken to resolve this dispute. Enclosed are copies of my credit report highlighting the disputed account, along with any other relevant documentation. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Oliphant United, Inc.
State: GA

Complaint narrative:
Company : Accelerated Inventory Management LLC Issue : Failure to validate debt / Improper credit reporting / Non-substantive response to dispute Laws Violated : FDCPA 809 ( b ), FCRA 623 ( a ), FCRA 611 ( a ) I am filing a complaint against Accelerated Inventory Management LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I disputed an alleged XXXX account that Accelerated Inventory Management is reporting to TransUnion. On ( insert date ), I sent them a written FDCPA 809 ( b ) Debt Validation Request and FCRA 623 ( a ) ( 8 ) Direct Dispute.

Accelerated Inventory responded only with the following statement : Upon receipt of the complaint, we immediately reviewed the details as they pertain to the allegations of the complaint and marked the account as disputed. After a review of the account as applicable to the complaint, we can confirm that all credit reporting and collection activities have been conducted in a compliant manner and in accordance with corporate policies and procedures. 

This is NOT debt validation, nor does it comply with federal law. They failed to provide any of the required documents, including : The original XXXX contract An itemized account ledger Proof of ownership A bill of sale Full chain of title Proof of their authority to collect Documentation used to verify the account with TransUnion Despite failing to validate the debt, they continue to report and verify the account with TransUnion, which violates FDCPA 809 ( b ) ( collection activity must cease until validation is provided ).

They are also violating FCRA 623 ( a ) ( 1 ) ( A ) by continuing to furnish information that they can not substantiate. 

Further, they failed to conduct a reasonable investigation under FCRA 611 ( a ) because they did not review or provide any documentation related to the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am a victim of identity theft and this account is fraudulent. Navy Federal is furnishing information that it can not verify. I have attached my FTC Identity Theft Report, my formal Furnisher Accountability Notice, and supporting documents. I am requesting immediate deletion of all reporting related to this account under FCRA 605B and 623 ( b ). Navy Federal has failed to provide original signed documentation to establish this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: TX

Complaint narrative:
Recieving daily text messages, " This is Unifin, A debt collector. '' " Contact us about XXXX call XXXX '' origin of text number is XXXX or " Contact XXXX. '' " Charges may apply. '' According to XXXX this internet website is a debt collection scammer that has been reported many times by other customers. XXXX recommended that I verify any debt before contacting the by checking with the 3 credit reporting agencies. I have zero debt. None what so ever. My accounts are all locked. I am XXXX years old and a Veteran. I have blocked these text messages every time I get one but they keep texting from another number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-11-25 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: NY

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-11-25 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: DC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief