vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: NY

Complaint narrative:
On XX/XX/year>, I made a purchase a dress at XXXX They are based in the XXXX. The confirmation page stated that my total included {$8.00} in fees and duties. However, the confirmation email stated I would owe {$270.00} in duties. I reached out to merchant to fix the duties but they said the item was made in XXXX and so it was subject to a higher rate of tarrifs. I asked to cancel the purchase and they said I couldn't cancel it but could refuse it. The package made it to a XXXX  facility but never was delivered to my home. XXXX waybill XXXX I opened a dispute with BOA to ensure I would receive all my money back. I included screenshot showing the dishonest checkout experience and that I never received the item. 

On XX/XX/XXXX, my dispute resulted in only a refund of ~ {$160.00}. 

I inquired with BOA why I wasn't given all {$430.00} back and the response was due to the merchant providing a return policy. 

BOA never reviewed my documents because a return policy would not apply to my purchase. I can not return something I never received. The merchant acted in a fraudlent way in the purchasing experience. And the duties were excessive and unjust. 

Bank of America did NOT execute due diligence to protect its consumer.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 2025-08-04 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} INQUIRIES : XXXX XXXX  Date : XX/XX/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 2025-08-04 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: FL

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX Date assigned : XX/XX/XXXX XXXX Date assigned : XX/XX/XXXX -XXXX XXXX XXXX Date assigned : XX/XX/XXXX -XXXX  XXXX XXXX  Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Opened on XX/XX/XXXX -XXXX  XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Opened on XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NC

Complaint narrative:
This is my second formal CFPB complaint against XXXX XXXX XXXX  regarding their continued unlawful and damaging conduct. My previous complaint was filed under XXXX XXXX XXXX, which remains unresolved. 

XXXX XXXX continues to furnish false, incomplete, and misleading information to the credit bureaus, despite the account being charged off, sold, and closed. I have repeatedly requested validation, including : Full accounting ledger Original wet ink signature contract Chain of custody and proof of ownership Authority to continue furnishing this tradeline None of this has been provided. Their conduct is a direct violation of the Fair Credit Reporting Act, including : 15 USC 1681s2b Duties of furnishers after notice of dispute 15 USC 1681i Duty to conduct a reasonable reinvestigation NCGS XXXX North Carolinas Unfair and Deceptive Trade Practices Act Furthermore, XXXX XXXX continued reporting and failure to provide evidence violates several binding federal precedents : XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Requiring reasonable reinvestigation and liability for failing to do so XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Establishing willful noncompliance when creditors report inaccurate data XXXX XXXX XXXX XXXX XXXX XXXX Fed XXXX XXXX XXXX XXXX XXXX : A furnishers failure to verify accuracy after notice creates consumer harm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Reinforces duty to investigate rather than blindly rely on previously reported data This account was also transferred to third party XXXX ( XXXX XXXXXXXX XXXX XXXX ), yet XXXX XXXX continues to report, while never responding with the required lawful validation. Thats unlawful and deceptive. 

This is a legal demand backed by documented violations and harm. I have followed every lawful channel including CFPB. 

Now I am asserting my rights, not begging for fair treatment. I demand : XXXX deletion of the XXXX XXXX XXXX XXXX official record of the investigation XXXX confirmation that this matter has been permanently resolved CFPB declares itself an agency that ensures banks treat consumers fairly. Then uphold that promise. Fix this damage now. 

Respectfully, A protected consumer who knows her rights

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 2025-08-04 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: NC

Complaint narrative:
This is my second formal CFPB complaint against XXXX XXXX XXXX  regarding their continued unlawful and damaging conduct. My previous complaint was filed under XXXX XXXX XXXX, which remains unresolved. 

XXXX XXXX continues to furnish false, incomplete, and misleading information to the credit bureaus, despite the account being charged off, sold, and closed. I have repeatedly requested validation, including : Full accounting ledger Original wet ink signature contract Chain of custody and proof of ownership Authority to continue furnishing this tradeline None of this has been provided. Their conduct is a direct violation of the Fair Credit Reporting Act, including : 15 USC 1681s2b Duties of furnishers after notice of dispute 15 USC 1681i Duty to conduct a reasonable reinvestigation NCGS XXXX North Carolinas Unfair and Deceptive Trade Practices Act Furthermore, XXXX XXXX continued reporting and failure to provide evidence violates several binding federal precedents : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Requiring reasonable reinvestigation and liability for failing to do so XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Establishing willful noncompliance when creditors report inaccurate data XXXX XXXX XXXX XXXX XXXX XXXX Fed XXXX XXXX XXXX XXXX XXXX : A furnishers failure to verify accuracy after notice creates consumer harm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Reinforces duty to investigate rather than blindly rely on previously reported data This account was also transferred to third party XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX, yet XXXX XXXX continues to report, while never responding with the required lawful validation. Thats unlawful and deceptive. 

This is a legal demand backed by documented violations and harm. I have followed every lawful channel including CFPB. 

Now I am asserting my rights, not begging for fair treatment. I demand : XXXX deletion of the XXXX XXXX XXXX XXXX official record of the investigation Written confirmation that this matter has been permanently resolved CFPB declares itself an agency that ensures banks treat consumers fairly. Then uphold that promise. Fix this damage now. 

Respectfully, A protected consumer who knows her rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: MI

Complaint narrative:
A company called XXXX purchased my sprint account in the amount of XXXX without my consent and it reported to my credit XX/XX/year> and now Jefferson capital system is reporting it again and according to FCRA-15 U.S CODE 1681 ( b ) that is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: OK

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 2025-08-04 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: CA

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In reviewing my credit reports, I discovered one account that was fraudulently opened in my name along with multiple hard inquiries : XXXX XXXX CO OPENED XX/XX/XXXX and {$16000.00} CHARGE OFF. XXXX OPENED XXXX XXXX reporting XXXX  days late. Hard inquiries from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These are the result of identity theft. I submitted an FTC Identity Theft Report ( Report # XXXX ) and mailed dispute letters to all three credit bureaus XXXX, TransUnion, and XXXX  along with copies of supporting documents ( government-issued ID, social security card, address verification, and breach notification ). Despite providing this evidence, the accounts remain on my credit report, negatively affecting my credit profile. I requested deletion within XXXX days under the Fair Credit Reporting Act and have not received a resolution. I am requesting that these accounts be permanently removed and that the companies be held accountable for continuing to report fraudulent information after being notified of the 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 non-monetary relief
Consumer complaint received 2025-08-04 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: MO

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mobiloans, LLC
State: FL

Complaint narrative:
I am filing a formal complaint regarding the inaccurate and misleading reporting by MOBILOANSLLC on my credit reports. The payment history for this account reflects 33 % of payments made on time, which suggests severe delinquency and damages my overall credit profile. 

However, the same tradeline reports XXXX for XXXX late payments, indicating there have been no late payments whatsoever. This is a material inconsistency that violates the accuracy requirement under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( a ), which mandates that furnishers of information report only accurate and complete data to consumer reporting agencies.

This contradictory data misrepresents my payment behavior and causes undue harm to my financial reputation, access to credit, and current interest rates. The information is misleading by omission and implication, violating FCRA 1681e ( b ) which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 

I am requesting immediate action to : Investigate and resolve this discrepancy, Correct or permanently remove this account from all credit reporting agencies due to the violation of federal consumer law, and Provide written confirmation of the resolution. 

Should this issue remain unresolved, I reserve the right to escalate by seeking legal remedy under FCRA 1681n and 1681o, which allow for damages resulting from negligent or willful noncompliance. 

Sincerely, XXXX XXXX XXXX See attached information as reported on my report from XX/XX/XXXX below : XXXX Reported : XXXX XXXX, XXXX {$3000.00} Closed Overview You have 0 % left to pay on this loan. 

Balance $ XXXX  Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Payment History Youve made 33 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Derogatory Last payment No Info Current Payment Status Charge-off Worst Payment Status Charge-off Account Details Account status Derogatory Type Line of Credit Responsibility Individual Remarks Profit and loss write-off Profit and loss write-off Times XXXX days late XXXX Closed XXXX XXXX, XXXX Creditor Information MOBILOANSLLC XXXX XXXX XXXX XXXXXXXX, LA XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-08-04 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: OK

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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 2025-08-04 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:
I am submitting this complaint because TransUnion and XXXX  are reporting inaccurate and inconsistent information about a closed XXXX XXXX credit card account. Despite submitting formal disputes to both bureaus, the account has not been corrected or removed. 

TransUnion reports no late payments and shows a closed date of XX/XX/year>, while XXXX  shows extensive late payments ( 30, 60, 90+ days ) and no closed date at all. The balance reported exceeds the credit limit ( {$10000.00} vs. {$10000.00} ), which is factually impossible for a credit card. XXXX  does not report the account at all. 

These conflicting entries violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i ( a ), which require credit reporting agencies to ensure maximum possible accuracy and correct or delete unverifiable information. I requested reinvestigations, but no meaningful action has been taken. 

I am requesting that the CFPB assist in having this account fully deleted from my credit reports, or that the agencies provide documented evidence from XXXX XXXX verifying the accuracy of the information.

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 2025-08-04 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, I sent a letter to TransWorld System Inc. (CREDITOR) via certified mail receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting validation of debt per the Fair Debt Collection Practices Act (FDCPA).  In my request, I requested that TransWorld System Inc. (CREDITOR) provide the following documentation:  1) A copy of the original signed contract or agreement that legally obligates me to the alleged debt; 2) The name and address of the original creditor; 3) The full account history, including all payments, charges, interests, and fees; 4) Proof that you are authorized to collect on this debt or own the debt; and 5) A copy of any judgment (if applicable).  TransWorld System Inc. (CREDITOR) signed for the certified mail request on XXXX XXXX XXXX.  I received a letter from TransWorld System Inc. (CREDITOR) dated 7/21/25 with a copy of a three-page invoice with the invoice date of XXXX that shows a total amount due of XXXX.  TransWorld System Inc. (CREDITOR) failed to provide all of the requested information that I requested in my XXXX XXXX letter.  Providing a three-page invoice does not satisfactorily validate this debt. I am now filing a formal complaint with CFPB to get this resolved correctly.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Mortgage — Other type of 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: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
Goodleap dispersed fund before upgrades were done to XXXX aka XXXX To have the project completed for solar, windows replacement and mini-splits installed

Company response to consumer: Closed with explanation