vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-09-10 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: OH

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: AK

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me.

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
On XX/XX/year> My card was lost which caused numerous unauthorized transactions, these transactions were based in XXXX MD, and some in XXXX, DE. I contacted Bank of America on XX/XX/year> which was a holiday to dispute these transactions and for BofA to shut the card down and to issue a new debit card to me. The claim has been opened since XX/XX/year> and as of today both claims were denied with not further information. It has been 7 days and all of a sudden because I contacted the Bank of America XXXX department to inquire about them expediting the processing of the provisional credit how ironic the claims were denied the same day. This secretive Bank of America Back XXXX team who handles these claims are clearly incompetent and not capable of handing these request. Federal Banking Regulations state you are not XXXX  % liable for any unauthorized transactions.

For unauthorized bank transactions, federal regulations limit consumer liability rather than making banks XXXX  % liable. The specific liability depends on the type of accountdebit or creditand how quickly you report the fraudulent activity.- I reported these transactions on XX/XX/year> which was a holiday and all banks were closed in observance for this holiday. 


The XXXX claims are as follows : Claim Number : XXXX Amount {$430.00} Claim Number : XXXX Amount : {$1600.00} These claims were repoed by a Bank of America claims agent and even he stated that claims take longer to be reviewed and by requesting an expedited provisional credit this is what caused the claims to be denied. This is totally unbelievable and outright unprofessional. I've been a Bank of America customer for XXXX  years and never experienced any issues and now all of a sudden since my card was lost, and I've noticed unauthorized transactions its all my fault now.

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 2025-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I have a XXXX XXXX XXXX mortgage with M & T bank. I have never been missed or been late with a payment. I have been paying a little extra and twice a month in order to pay down loan faster. I reached the 80 % threshold to remove PMI earlier than scheduled. I requested PMI be removed based on reaching 80 % of original value. They refused and said that I needed to reach 78 % to be automatically removed or I had to pay a fee. What is the point of paying it off early if i have to pay a fee to have another fee removed. According to the Homeowner protection act of XXXX, I have the right to have PMI removed ones I reach 80 % of original value. they are claiming that I it must be based on current value. That is not what the law says.

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 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
Please review the evidence package but the short version is A. They promised insurance on solar I wasnt provided. This is why I agreed to a {$55000.00} loan instead of a {$30000.00} loan. 
B. Mosaic is going XXXX  and I fall into services not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I filed a legitimate dispute with TransUnion over inaccurate information on my credit report. During the dispute process, TransUnion made my file unscoreable. As a result, I am unable to generate a credit score, which has caused serious harm, including being denied housing. I am being penalized while exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute incorrect data. There is no reason my entire score should disappear, especially since other credit bureaus still report a score. I request that TransUnion immediately restore my score or provide an official explanation as to why my credit file was rendered unscoreable during the dispute. This action is unfair, harmful, and potentially violates my rights under the FCRA. And they did not remove the hard inquiries which affected my score, by transUnion not notifying me that I can not apply for anything until the dispute ends. It has affected my personal life to the core.

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: MI

Complaint narrative:
I was checking my bank account this afternoon. Saw that there was {$100.00} hold on my account. I contacted my bank. They let me know that Jefferson Capitol system was garnishing my account. I have received no notice of legal action from this company. I have not received a summons to appear in court. I do not understand how they are able to legally garnish my bank account without proper notification or proper court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-10 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: Affirm Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/year> A Affirm account agent text messaged me to know if I made a transaction with XXXX for {$640.00}, I told him " no '' on my phone. Then I believe he called me and we proceeded to process together on my phone a XXXX code he actually charged me. Claim ID XXXX and Reverse ID XXXX the XXXX ID is XXXX XXXX 
The next day XX/XX/XXXX, someone called me from Affirm account and processed a reverse code for another charge {$640.00} from XXXX using my Affirm account but I don't have claim or reverse ID numbers. I do have a phone number who called XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX of XXXX  I made a deposit of {$4600.00} via the mobile deposit portion of the capital one banking app. I set the deposit up and when I put all the information in it informed me that I would have {$2500.00} available immediately and theyre the remainder of the deposit would be on hold until XX/XX/XXXX. I accepted that term since I knew that I would have the funds available the next day that I needed to take care of my dog and start my vacation that I had already been paid for. Sometime after I made the deposit One sent me an email stating that they have changed their decision and are going to hold the entirety of my deposited check until the XXXX. I escalated this to the supervisor. I tried to get them in contact with the comptroller of the dealership that issued the check. I asked them for any options to get out of the mobile deposit so I can go just cash it and they are holding my money XXXX with no means of being able to access it. Based on a lie that they told me I would have access to it today. They are playing with my personal life by doing this and the part that really gets me is that the app lied to me when I was making a deposit and their policy has never been this way until today. I would like to be settled with by Capitol. One by them is issuing me the payment in full as duplicate to cover all of my lost expenses due to their lying to me through their app. you can not take deposits from people and lie to them and tell them that theyre going to have their money available in the next day at the source where you make the deposit only to find out later that they are not going to provide you with the funds as promised and are holding them erroneously. I feel like a fraud was committed against me by one and I would like this to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX AL XXXX Driver License : # XXXX To : ExperianXXXX XXXXXXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX. XXXX XXXX, GA XXXX Formal Dispute of Inaccurate XXXX XXXX Reporting Under the FCRA To Whom It May Concern : I am writing to formally dispute inaccurate and damaging information being reported on my credit file concerning my XXXX XXXX  XXXX ACCOUNT. After carefully reviewing my credit report, I have identified information regarding the XXXX XXXX that is inaccurate, incomplete, or unverifiable. These reporting errors are negatively impacting my XXXX XXXX, reputation, and ability to obtain new lines of credit or favorable lending terms. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 1681e, credit reporting agencies are required to maintain the maximum possible accuracy of consumer reports. When a consumer notifies a credit bureau of a dispute, you are required by law to investigate the disputed information, verify its accuracy, or remove it from the credit report. If the information is found to be inaccurate or unverifiable, it must be corrected or deleted promptly. 
In this case, the XXXX XXXX  data being furnished is not only inaccurate but also materially misleading. This includes, but is not limited to : Incorrect account statuses Inaccurate payment histories inaccurate High Credit balance Incorrect dates and report This reporting has already caused substantial harm to my creditworthiness, including denial of credit and higher interest rates. If these inaccurate entries are not corrected or removed from my credit file within the legally required time frame, I will pursue legal action for willful noncompliance with the FCRA. 
Please consider this my formal request for : An immediate investigation into the accuracy of the XXXX XXXX  information being reported. 
The removal or correction of all inaccurate or unverifiable entries. 
Written confirmation that this information has been updated or deleted. 
If you need any further documentation from me to facilitate your investigation, please notify me immediately. 
If this matter is not resolved, I am fully prepared to file a lawsuit against your agency for the ongoing harm caused by your failure to uphold your legal obligations under the FCRA. 
Sincerely,

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 2025-09-10 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account XXXX : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
In XXXX Truist and I agreed to a smaller amount for payment in full for a charged off account of my son 's ( I was on account ). Truist debited the agreed on amount out of my checking account, and said that transaction settled the account, case closed. On XX/XX/XXXX, Truist debited my checking account for {$270.00} for payment towards charged off account. I had to call the customer service line, then be transferred to the charge off dept. Before the customer service line transferred me to charge off dept, he stated he would file a complaint on my behalf, which leads me to believe this happens more than it should. The charge off dept rep looked up the account and agreed that this was taken care of in XXXX. She was unable to cancel the transaction, and said she would have to refund my funds on XX/XX/XXXX. As of the time of writing this, my funds have not been refunded. I find this action to be unethical and deceiving. Had I not been paying attention to my account, this could have went unnoticed and Truist would have collected funds that were not theirs to collect.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

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 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CA

Complaint narrative:
My checking account with Discover Bank has been frozen due to a fraudulent charge. The bank has confirmed that the fraudulent charge was not authorized by me, but they refuse to release my funds or provide me with access to my money. 

It has been 9 days ( XX/XX/year> - XX/XX/year> ), and I have had no access to my account balance. I can not pay my bills, rent, school fees, put gas in my vehicle, or other necessary expenses. The bank has stated that because there is a pending debit card transaction, their system will not allow them to reissue new account numbers or lift the freeze. However, they also confirmed that once new account numbers are issued, the pending debit card transaction would still process correctly. 

I have asked multiple times for a workaround including provisional credit, opening a new account under my customer profile, or releasing funds not tied to the pending transaction but I have been told this is impossible. The bank is effectively holding my entire balance hostage until one pending charge clears. 

This has caused severe financial hardship. I am now at risk of late fees, service interruptions, and damage to my credit due to bills not being paid. 

Requested Resolution : I am requesting that Discover Bank immediately : 1. Provide me access to my available funds ( minus the pending charge, if necessary ), OR 2. Issue a provisional credit or open a new account under my customer profile so I can pay my bills, OR 3. Otherwise provide a means to access my account balance while the pending fraudulent charge is being resolved. 

I also request that the CFPB investigate whether Discovers policy of freezing an entire account indefinitely due to a pending charge without prior knowledge to the customer and without providing customer access to legitimate funds complies with Regulation E and other consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief