vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
CLAIM # XXXX CHECK FOR {$2400.00} FROZEN XXXX YRS DURING PANDMIC I am submitting this request for a formal review and reconsideration of my compensation regarding my Bank of America account that was frozen for approximately XXXX years, beginning during the pandemic. 

During this time, I was repeatedly unable to access my funds due to verification issues and multiple delays. Despite my ongoing efforts to resolve the situation including visiting a local branch to complete a notarized verification my funds remained on hold for an extended period. Eventually, I received a partial payment of {$3000.00}, which I understand was intended as compensation. However, this amount does not adequately reflect the total hardship and financial loss caused by the prolonged account hold. 

Below is a summary of the key losses and impacts experienced during this three-year period : Lost access to my personal funds for approximately XXXX  months, preventing payment of rent, utilities, and daily necessities. 

Homelessness and housing instability resulting directly from the inability to use my own funds. 

Eviction proceedings and legal fees, including late fees charged by attorneys and property management. 

Accrued late penalties and unpaid bills that damaged my financial standing. 

Lost job opportunities and income due to financial instability and lack of transportation. 

Credit score damage from accounts going into collections. 

Emotional distress and mental strain from repeated attempts to verify identity and regain access to funds. 

Loss of important records and documentation due to the passage of time and housing displacement. 

The {$3000.00} partial payment previously issued should be deducted from any recalculated total compensation amount. 

Based on the time period and the measurable financial and emotional impact, I am requesting an additional compensation amount of {$10000.00}. This figure represents a fair and reasonable estimate of the three-year delays total hardship after accounting for the {$3000.00} already received. 

I am respectfully requesting a fair reassessment of my total compensation for the full three-year period. I am willing to provide any available documentation, including eviction or correspondence records, to support this request. 

Thank you for your time, understanding, and consideration of my situation. 

IVE ALDEADY SENT OVER WATEVER I CAN GATHER BUT ITS BEEN A DISASTER for the irp. 

But having error with site IM COMING UP SHORT WITH EVEDENCE ALL THE CALLLS RECORDED N PROBLEMS I BROUGHT TO THE ATTN. 

I AM FAIR. ALSO GRATEFUL FOR U TAKING TIME. TY

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 2025-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
The loan servicer, Aidadvantage, is stating we over {$8200.00}. My son, XXXX XXXX, has contacted XXXX XXXX XXXX XXXX XXXX XXXX and the University XXXX XXXX XXXX. His XXXX loan for XXXX is through XXXX. There are no remaining balances for XXXX XXXX XXXX XXXX XXXX XXXX. The current loan servicer, Aidadvantage, was unable to confirm if the Parent Plus loan check ever went to XXXX XXXX in XXXX or if the check was ever cashed. XXXX XXXX is stating they have not received a check. Myself as the parent, XXXX XXXX, never received a check. I spoke to XXXX at XXXX on Friday XX/XX/XXXX. Ref XXXX. How am I being charged for a loan that never made it to the college nor have I received a check? This has greatly impacted my credit score. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: GA

Complaint narrative:
I am sending to formally dispute and request verification regarding several accounts that appear on my credit report. As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. I am providing this letter not only as a request for validation but also to express my sincere desire to maintain the accuracy and integrity of my credit profile XXXX XXXXXXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX XXXX Balance {$200.00} XXXX & XXXX XXXX Original creditor : XXXX XXXXXXXX Balance {$240.00} XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX Balance {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LAKEVIEW LOAN SERVICING, LLC
State: NM

Complaint narrative:
I applied to see how much I could cash out if I were to use a cash out equity loan from my current lender. They sent me an email containing a different customer 's sensitive financial/mortgage information. They would not explain why this happened, and I did not receive information pertaining to my cash out equity estimate request.

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 2025-10-27 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: PA

Complaint narrative:
Im writing to formally dispute the accuracy of a repossession listed on my credit report. The account in question is : XXXX. XXXX XXXX I recently reviewed my credit report and noticed this entry, which I believe contains errors or incomplete information. Under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ], I have the right to dispute any information that I believe to be inaccurate, incomplete, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: NH

Complaint narrative:
I had a mortgage with Shellpoint Mortgage co ( parent co NewRez ), for my house at XXXXXXXX XXXX XXXX XXXX, XXXX MA. I always carried property insurance. However, Shellpoint purchased XXXX XXXX insurance and charged my escrow account for it. My escrow ran short, and they did not even notify me about these events. Their portal 's login page did not show that I owed them money. Therefore I did not pay them the amount. They reported delinquency and late payment to the XXXX credit bureaus. My credit score tanked XXXX points and i was denied mortgage by several companies when they saw my score. I have sent the proof of insurance to Shellpoint, and have followed up with Shellpoint on emails about 6 times now. But they have not even acknowledged receipt of my complaints. They have also not removed the derogatory remarks. When I call their customer service team, they confirmed that they are going to send me a check for the duplicate insurance they bought, but for correcting the XXXX XXXX they ask me to email them- which I have done XXXX to XXXX times now to no avail. 

I have attached XXXX XXXX the latest email thread I have sent to Shellpoint XXXX a copy of my property insurance XXXX dispute filed with credit bureau I need the derogatory remark removed by Shellpoint.

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 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Avant Holding Company, Inc.
State: NV

Complaint narrative:
SECTION XXXX - AVANT , LLC Mailing Address : Avant , LLC XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, IL XXXX This notice concerns the account originally opened through XXXX/Avant that you later reported as charged off. Your records reflect a charge-off dated XX/XX/year> in the amount of {$1300.00} ( including {$61.00} in finance charges ). You continued to report the same obligation after charge-off, even though the account was transferred or sold. This creates duplicate and misleading credit damage. No IRS Form XXXX ( Cancellation of Debt ) has been issued to me for this charged-off balance, even though federal regulations require issuance of Form XXXX when {$600.00} or more of debt is canceled or treated as uncollectible for tax purposes ( XXXX C.F.R. 
XXXX ). DEMANDS TO AVANT , LLC : XXXX. Provide a copy of Form XXXX you filed with the IRS, XXXX written confirmation that no Form XXXX was filed. XXXX. Delete any and all Avant tradelines and negative reporting related to this alleged account from XXXX XXXX, and XXXX XXXX. 
Confirm in writing that the balance is {$0.00} and that Avant has no further claim against me. XXXX. 
Confirm you are not attempting post-charge-off collection in violation of FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: MD

Complaint narrative:
I found discrepancy andi inaccuracy in my credit reporting with XX/XX/XXXX XXXX by the three credit bureaus are disputed for remover according to the fair credit reporting Act - This federal law gives me the right to dispute inaccurate or incomplete information on your credit report. - Credit reporting agencies ( like Equifax, XX/XX/XXXX, and TransUnion ) must investigate your dispute, usually within 30 days. - If the information is found to be incorrect, it must be corrected or removed from your credit report. - You must be notified of the results of the investigation. Section 611 ( 15 U.S.C. Copy of the resort is attached to this file Account should be removed from my credit report because of inaccuracy not modify

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
XXXXXX/XX/XXXXXXXX Date : XX/XX/year> LVNV Funding LLC [ Debt Collectors Address, if available ] Account/Reference Number : XXXX Subject : Cease Communication and Refusal to Pay Pursuant to FDCPA 805 ( c ) ( 15 U.S.C. 1692c ( c ) ) To Whom It May Concern : I am writing to formally notify you under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that I refuse to pay the alleged debt referenced above. Additionally, I hereby request that you cease all further communication with me regarding this matter. 

You are hereby directed not to contact me at my home, by telephone, by email, or through any other means of communication. The only communications you may send, as permitted by law, are : 1. To acknowledge receipt of this notice ; 2. To advise me that your collection efforts are being terminated ; or 3. To notify me that you or the creditor intend to take specific legal action.

Any further attempts to contact me outside of these exceptions will constitute a violation of the FDCPA and will be documented as such. 

Please govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to respectfully request the opportunity to reestablish my banking relationship with Citi and open new personal and business accounts. 

In the past, I was the victim of severe identity theft that led to unauthorized accounts and credit cards being opened in my name, as well as fraudulent activity affecting legitimate accounts I once held. Unfortunately, this situation negatively impacted my relationship with Citi, and since then, I have repeatedly been declined when applying for Citi products such as checking accounts or credit cards. 

Since that time, I have worked closely with my attorney to resolve all matters related to the identity theft. My credit reports have been fully restored, all fraudulent accounts have been removed, and my personal and financial information is now secure and closely monitored. My credit is currently in good standing, and I have taken every step to ensure that all my accounts remain protected and accurate.

Please note that any previous addresses or phone numbers that may appear on file from prior Citi records are no longer associated with me. I can provide my current verified address, phone number, and identification to ensure your records are updated with accurate and valid information. 

Citi has long been a respected and trusted financial institution, known for its integrity, professionalism, and customer care. I would deeply appreciate the opportunity to rebuild my relationship with Citi, both personally and through my business accounts, and to demonstrate my commitment to responsible and transparent banking going forward. 

Please let me know what steps or documentation are needed to open new personal and business accounts and to reestablish my eligibility for Citi banking services. I am happy to provide any additional verification or supporting information required for your review. 
Thank you very much for your time, understanding, and consideration. I sincerely look forward to the opportunity to bank with Citi again.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to formally dispute a collection account that appears on my credit report from Jefferson Capital Systems LLC with a balance of {$160.00}, originally listed under XXXX XXXX. 

This account does not belong to me and was not authorized by me in any way. I believe this account is the result of identity theft. I have never opened or agreed to any account with XXXX or XXXX under my name related to this debt. 

I am requesting that this account be immediately investigated and removed from all of my credit reports. This fraudulent entry is negatively affecting my credit profile and was reported without my consent or knowledge. 

Please provide confirmation that this matter will be investigated promptly, and notify the credit bureaus to delete this collection account from my file as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered two unauthorized hard inquiries on my TransUnion credit report that I did not authorize : XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX  XXXX XX/XX/year> I disputed these inquiries with TransUnion, but they refused to remove them unless I provided an identity theft report. Due to the current government shutdown, I am unable to access the official identity theft reporting website to obtain the requested report. I am submitting this complaint for assistance, as these inquiries were not authorized and should be removed.

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 2025-10-27 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: CA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, CA XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Public Records that are being challenged Federal - XXXX Listed below are the Inquiries that are being challengXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-27 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief