vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccuracies that are causing me significant and ongoing harm. These errors have negatively affected my credit standing and added unnecessary stress to my life during already difficult times. It is unacceptable for such inaccuracies to remain uncorrected, and I require this matter to be addressed immediately.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am once again disputing the fraudulent items that remain on my credit report. Despite my prior efforts, these unauthorized entries are still being reported, which is both distressing and unacceptable. My report also contains incorrect personal information, which is contributing to these unknown and inaccurate accounts showing up. I am a victim of identity theftmy information was used without my consent, and I have already filed and submitted an FTC Identity Theft Report as instructed by Experian. Yet, these fraudulent accounts continue to appear.

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 2025-09-12 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: IL

Complaint narrative:
On XX/XX/year> I borrowed XXXX from Net Credit to pay for my bills from XXXX XXXX. I paid XXXX a month at a hardship to myself. I took this loan in desperation because I was being taken to collections by medical bills. 
I dont have the exact dates or who I talk to but during the start of XXXX my finances were tighter because I was helping XXXX XXXX  daughters who were XXXX XXXX  temporarily from their jobs. I was also in active XXXX XXXX for XXXX. I told Net credit and they didnt care. They actually said I need to pay a higher amount of XXXX every XXXX weeks. 

If there is anything you can help with this I would be grateful. Its now at a balance of Loan Status Accelerated Loan Principal {$3500.00} Outstanding Balance {$10000.00} Overdue {$10000.00} Thank you, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
To : Kia Finance America From : XXXX XXXX XXXX : XX/XX/year> Re : Demand for Monetary Relief Account ending XXXX Kia Finance America : This letter concerns your former reporting of my auto loan account as charged off with a balance of {$2800.00}, despite issuing a XXXX cancellation of debt in my name XXXX XXXX XXXX. You allowed this derogatory reporting to remain on my credit reports up through XX/XX/year>, severely damaging my credit history. 
Although the tradeline has now been removed, the harm remains. I endured years of credit denials, higher interest costs, financial loss, and emotional distress. The extended period of inaccurate reporting was in clear violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). 
Demand : I demand monetary relief of {$400000.00} to compensate for the damages caused by your unlawful conduct. This amount reflects : Actual financial losses from denials and higher credit costs Emotional distress and hardship Statutory and punitive damages available under federal and state law If payment is not received within 14 days, I will escalate this matter by filing a lawsuit in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX seeking full legal remedies. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NJ

Complaint narrative:
I am submitting this formal complaint against TransUnion for its continued failure to accurately report delinquency dates and its improper handling of my dispute requests, in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation upon notification of dispute 15 U.S.C. 1681c ( c ) ( FCRA Section 605 ( c ) ) Prohibits re-aging of accounts to extend the reporting period beyond the original delinquency date TransUnion has allowed several furnishers to revise the first delinquency dates on my credit report, effectively re-aging the debts and unlawfully extending the time they remain on my report. This misrepresents my credit history and delays the rightful removal of derogatory information. The affected accounts are : Creditor Account Number Issue XXXXXXXX XXXX XXXX XXXXXXXX Re-aged delinquency ; account is supposed to be removed XXXX XXXX XXXX XXXX XXXX Re-aged delinquency XXXX XXXX XXXX XXXX Re-aged delinquency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re-aged delinquency XXXX XXXX XXXX XXXXXXXX First late : XX/XX/XXXX ; re-aged delinquency I have retained a copy of my credit report dated XX/XX/XXXX, which clearly shows the original late payment dates for these accounts. TransUnion has failed to provide documentation from the original furnishers to justify the changes and continues to report inaccurate information despite multiple disputes.

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 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
I am submitting this complaint regarding Bank of Oklahoma, N.A. ( BOK ), a national bank, for failure to exercise ordinary care in handling a fraudulent check drawn on my business account and for the subsequent handling of my dispute. 

Background I am the sole authorized signor on my companys business account. 
A check containing my correct routing and account numbers cleared on the statement received XX/XX/2023. 
The check bore a different company name and an unauthorized signature. It was not issued or authorized by me or my company.

Banks Response When I recently discovered this unauthorized check and reported it to BOK, the bank refused to initiate a dispute or attempt to retrieve the funds. The bank cited its deposit agreement section KK, which require customers to report unauthorized items within 14 days of when a statement is made available. Bank representatives have repeatedly stated that because the item appeared on the statement received XX/XX/2023, it is considered XXXX years old and therefore outside their reporting window. 

In addition, BOK blocked my online access to the account and froze all outgoing funds. As a result, I can not : Determine what customer payments are incoming and reconcile customer accounts, Pay any outstanding debts, Identify which legitimate checks and EFTs are still outstanding, or Know whether additional funds must be deposited to cover valid obligations. 

In addition, despite adequate available funds, they did not pay debts they promised they would honor by " pushing '' the payments through based on a list of outstanding obligations provided by me. 

This creates a serious and immediate risk of missed payments, late fees, and financial loss to my business.

Legal and Regulatory Concerns I recognize that I discovered this fraud more than 14 days after the statement was made available. However, under the Uniform Commercial Code as adopted in Oklahoma ( 12A O.S. 4-401 and 4-103 ), a bank may charge a customers account only for items that are properly payable, and it can not disclaim responsibility for failing to exercise ordinary care. A check that clearly bears a different company name and an unauthorized signature is not properly payable, and the bank has an independent duty to exercise ordinary care when accepting such an item. 

Requested Action I respectfully request that the CFPB review this matter and ensure that : 1. Bank of Oklahoma is held accountable for paying an item that was clearly not properly payable ; and 2. The bank provides a remedy that addresses both the loss from the fraudulent check and the disruption caused by the blocking of my account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of Americas XX/XX/XXXX response once again evades the central issue, hiding behind general XXXX  authorization language from the XXXX rulebook, even though this dispute clearly concerns non-fulfillment of services, not just whether the charge was authorized. 

While I did initiate the {$1300.00} XXXX XXXX payment to XXXX on XX/XX/XXXX, I was served a formal Notice to Vacate just XXXX days later, on XX/XX/XXXX, and was removed from the unit shortly afterward. No refund, partial credit, or alternate accommodation was provided. By XXXX, my resident portal access was cut off, and I received no housing for the rest of the billing cycle. This constitutes a denial of services paid for, not an ordinary cancellation dispute. 

BoFA previously stated the charge was authorized by me or someone with permission. However, authorization is not sufficient when the merchant fails to deliver the services tied to the charge. This is a violation of Regulation E, and BoFAs attempt to dismiss the issue using XXXX rules is an inappropriate substitution for proper review. 

Furthermore, BoFAs internal handling of this case reflects inconsistency and procedural negligence : XXXX ) XXXX phone reps and XXXX supervisor previously confirmed the documentation supported service non-fulfillment. 

2 ) A recorded supervisor even admitted that XXXX disputes are limited, and our hands are tied, indicating internal policy, not merit, drove the denial. 

3 ) BoFA never issued a temporary credit during this process, which is highly irregular for this type of dispute.

4 ) They resolved a XXXX fraud claim for {$120.00} without evidence, suggesting selective appeasement - while continuing to deny the primary {$1300.00} claim with stronger documentation.

5 ) The unresolved {$1300.00} dispute has left my account depleted. As shown in the attached screenshot ( dated XX/XX/XXXX ), my available balance dropped to {$0.00} despite months of follow-up. This demonstrates not only mishandling but also direct financial hardship caused by Bank of Americas refusal to properly credit the account while reviewing the claim. 

The landlords XXXX XXXX email sent in XXXX, after the lease was already terminated, further contradicts any claim of consistent or lawful service provision. These contradictions, along with the attached Notice to Vacate, Lease Agreement, Dispute Letter, and multiple BoFA denial letters, demonstrate a clear pattern of non-refund despite breach, failure to issue temporary credit, and a deliberate avoidance of Regulation E obligations.

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 2025-09-12 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$3200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$810.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2200.00} 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 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
on XX/XX/year> i was attempting to purchase concert tickets via of XXXX ( XXXX  ) and was scammed out of {$600.00} via zelle my bank stated i was not able to recoup the funds Zelle also stated the same this is so disappointing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information that has been reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any information I believe to be incomplete, inaccurate, or misleading. 

The issue concerns late payment notations after disputing it many time reported by Regions Bank for the months of XX/XX/year> and XX/XX/year>. I made these payments on time and before the due date, but due to bank processing delays, the transactions were not posted until the next business day. As a result, they were incorrectly reported as late. 

This reporting is factually inaccurate and misrepresents my payment history. I have attached supporting documentation, including : Bank statements showing the payment initiation date. 
Confirmation receipts and timestamps from my account. 

Because the payments were made on time, these late marks should not appear on my credit report. The current reporting is causing me significant and unjustified harm, including preventing me from qualifying for a necessary student loan to continue my medical education. 

I respectfully request that the CFPB investigate this matter and require the furnisher ( Regions Bank ) to correct the inaccurate late payment reporting immediately. Reporting information that does not reflect the true payment history violates the FCRA and places undue hardship on me. 

Please confirm in writing once this investigation has been completed and the inaccurate information has been removed or 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 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: MA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist / Debt Validation Request Account No : [ Insert Account Number if Applicable ] To Whom It May Concern, This letter serves as a formal Cease and Desist demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Effective immediately, you are to cease all communication with me, whether by phone, mail, email, or otherwise, regarding the alleged debt referenced above. 
Additionally, pursuant to 15 U.S.C. 1692g, I am requesting full validation of the alleged debt you claim to have rights to collect. This includes, but is not limited to : Complete Chain of Title Provide documentation demonstrating the legal transfer of ownership of the alleged debt from the original creditor through each subsequent assignee, showing your legal standing to collect.

Forward Flow Agreement Provide copies of any forward flow or purchase agreements governing the transfer or acquisition of this account. 
Contractual Proof Provide a copy of the original signed agreement or contract that allegedly created this debt obligation. 
Full Accounting Provide an itemized statement of the alleged balance, including interest, fees, and charges, with supporting documentation. 
Until such documentation is provided, you must immediately cease all collection activity and refrain from reporting this alleged debt to any credit reporting agency. Should you already have reported this debt, you are hereby put on notice that continued reporting without proper validation may constitute violations of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Failure to comply with these demands will leave me no choice but to pursue all remedies available under federal and state law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 
Please provide the requested documentation within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have another complaint in progress noting issues with BMO ( compliant XXXX ) with regulation Z issues. Now Im receiving notices from BMO that the XXXX, in addition to the conventional loan, is not properly applying payments and therefore recording missed payments. I have check copies, receipts from the local branch ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) for each payment ( I walk into the bank to pay the mortgage and XXXX  ). 
I called the bank on XX/XX/year> and the individual I spoke with even identified that my payments to the XXXX  are not being applied properly. ( XXXX XXXX ) Of course, as stated in my previous complaint which also captures that BMO did not uphold the terms of the conventional note, I can not get statements or ammoritizion tables showing how payments are being applied.

BMO has now filed a foreclosure summons noting non-payment for payments that I have proof of paying, when in fact, they are not properly applying payments. ( RESPA ), TIL/Reg Z , FCBA issues all prevail here with the conventional loan and the XXXX. 

They have cost me over {$60000.00} due to not converting the conventional note on time which I have emails that they have admitted to this issue and now they seek to further damage me and my credit by misapplying payments.

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