vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
AMSHER COLLECTION SERVICES Account XXXX XXXXXXXX was removed from my credit report. 
XXXX XXXX XXXX  Reappeared XX/XX/year> Original Creditor XXXX XXXXXXXX  Amount : {$720.00} Violations : FDCPA 15 U.S.C. 1692g ( b ), 1692c FCRA 15 U.S.C. 1681e ( b ), 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ) Federal Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX & XXXX ;, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been a Victim of Data Breach the Following accounts are Are fraud due to it and I want the accounts inventive thoroughly and removed from my credit as I take my credit very serious and the accounts shouldn't be on my file. I have attached my FTC and Police report that I filed.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
XX/XX/year> i was at the store trying my buy food for my kids and my card was not working after i deposited a {$1000.00} in it. Bank Of America did not notify me and did not provide a way for me to get my money. I explained that I was trying get my money to buy my kids food and XXXX person told me to figure it out and it was not his problem! Bank of America is holding my funds and its not even giving me a clear date when i get my moneyyb

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 2025-12-03 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: Americas Car-Mart, Inc.
State: AL

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). 
I am demanding a full investigation and the immediate removal of this account from all credit reports afe to these Violations and failure to follow lawful procedures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Issue Summary : BMO Bank closed my account without explanation and has withheld a {$10000.00} wire transfer that was legally sent to me for more than 3 months so far. Despite more than XXXX phone calls, XXXX wire recall attempts, and multiple branch visits, BMO has refused to release the funds or provide any written explanation. 

Full Details : I opened a checking account with BMO online on XX/XX/year>, and deposited an initial {$25.00}. On XX/XX/year>, my brother-in-law sent me a {$10000.00} domestic wire transfer from his XXXX XXXX XXXX account XXXX The wire shows as successfully sent to me ( beneficiary : XXXX XXXX ). I have attached screenshots of the wire confirmation showing my name and the transaction details. 

Shortly after the {$10000.00} wire posted, BMO closed my account without any explanation. They mailed me a check for only $ XXXX original depositbut did not include the {$10000.00} wire. 

I contacted BMO more than XXXX times and visited XXXX branch locations. 
Each time I received contradictory and unhelpful information : Some representatives told me they would mail me a check for the {$10000.00} ( this never happened ). 

Others told me the sender must initiate a wire recall. 

My brother-in-law submitted XXXX wire recall requests through XXXX XXXX XXXXXXXX, and XXXX were rejected by BMO, while BMO still refuses to release the funds to me. 

XXXX phone representative even told me to stop calling, and no one has been able to tell me where the {$10000.00} is or why it is being held. 

To date, BMO has not provided : any explanation for the account closure, any written notice, any documentation, any status of the {$10000.00} wire, or any resolution. 

I am providing BMO account statements from opening through closure, plus the XXXX  XXXX XXXX wire details as evidence. 

Impact : BMO is holding {$10000.00} that belongs to me without justification. This has caused financial harm, stress, and extreme inconvenience. I have done everything BMO asked, including multiple phone calls, branch visits, and requesting wire recalls, but they continue to give conflicting answers and no resolution.

Requested Resolution : I am requesting that BMO Bank : Immediately release the {$10000.00} wire transfer that was sent to me on XX/XX/year>. 
Explain where the funds were held and why they were withheld. 
Provide a clear, final resolution in writing. 

Thank 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: MA

Complaint narrative:
Upgrade , Inc. has held my money and restricted my account for approximately XXXX months without providing any explanation. Every time I contact support, I am only told that my account is under review, with no details, no requested documents, and no estimated timeline for resolution. I have not been informed of any fraud claim, dispute, compliance issue, or reason for the freeze. 

This prolonged and unexplained restriction has caused significant financial hardship, as I am unable to access my own funds for essential expenses. 

I believe Upgrade is violating my consumer rights by : Failing to provide a reason for the account restriction Failing to complete any investigation within a reasonable time Failing to communicate any required documentation Withholding my funds for months without lawful justification These actions appear to be unreasonable and inconsistent with federal banking and consumer protection regulations that require timely investigation and clear communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-12-03 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-12-03 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity.

Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity.

Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
This debt was paid by courts already and this company was order by judge to not report on credit and it was paid in full, I have a copy of the judge order. This company has public slan my name saying I committed fraud and they need to be held accountable. A Judge order the case paid close no judgement but they did what they wanted too and has caused grief for years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-12-03 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX writing to formally dispute late payment ( XXXX ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue.

Account Details XXXX XXXX XXXX XXXX XXXX  Account Number : 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My federal student loan servicer, XXXX, is illegally reporting late payments during the XXXX administrative forbearance period ( XX/XX/XXXX XX/XX/XXXX ). 
Under the CARES Act Section 3513, all qualifying federal student loans were placed into automatic administrative forbearance. During this period : No payments were required No interest accrued No delinquency could legally occur Servicers were prohibited from reporting any missed or late payments All borrowers were to be reported as current Despite this, XXXX has furnished late payments to the credit bureaus during this timeframe, which is legally impossible and a violation of federal protections. 
This inaccurate reporting has negatively impacted my credit score and my mortgage readiness. I have attempted to dispute this directly with the credit bureaus and XXXX, but the inaccurate late payments have not been removed. 
This violates : CARES Act 3513 FCRA 607 ( b ) ( accuracy requirements ) FCRA 611 ( duty to delete inaccurate/unverifiable data ) FCRA 623 ( a ) ( furnisher responsibilities )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My federal student loan servicer, XXXX, is illegally reporting late payments during the XXXX administrative forbearance period ( XX/XX/XXXX XX/XX/XXXX ). 
Under the CARES Act Section 3513, all qualifying federal student loans were placed into automatic administrative forbearance. During this period : No payments were required No interest accrued No delinquency could legally occur Servicers were prohibited from reporting any missed or late payments All borrowers were to be reported as current Despite this, XXXX has furnished late payments to the credit bureaus during this timeframe, which is legally impossible and a violation of federal protections. 
This inaccurate reporting has negatively impacted my credit score and my mortgage readiness. I have attempted to dispute this directly with the credit bureaus and XXXX, but the inaccurate late payments have not been removed. 
This violates : CARES Act 3513 FCRA 607 ( b ) ( accuracy requirements ) FCRA 611 ( duty to delete inaccurate/unverifiable data ) FCRA 623 ( a ) ( furnisher responsibilities )

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