vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I've been a customer of Bank of America for the past XXXX years and had different checking and savings ' accounts throughout that period ( XXXX checking accounts ). I'm the primary and original owner of the current account with Bank of America, but I added my partner to account with limited access. But bank of America processed an unauthorized freeze over the funds in my account based on a debt case that has nothing to do with me. I'm an XXXX XXXXXXXX woman, and Bank of America brought my account to zero, which will make it impossible for me to pay for my rent, medication, and everyday groceries to survive. Bank of America violated fair financial practices as they should NOT have touched my account as it does not belong to their debtor. They took ( or froze ) an amount of {$1200.00} which was all that I had in the account. I spoke to multiple people from their CS team and asked to speak to the legal team, but they refused to release the funds or provide any solution.

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 2025-10-01 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC
State: NV

Complaint narrative:
Contacted them in XXXX and XXXXXXXX XXXX XXXX  to provide documentation that showed I made the charges and they never responded. They did continue to report negative marks on my credit in the form of late payments between XXXX to XXXXXXXX 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 2025-10-01 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: VA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-10-01 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: NC

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 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 2025-10-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
I am writing to formally request a full discharge of my private student loan, originally issued by XXXX XXXX in XXXX, sold to Navient, and currently serviced by XXXX. I was a young, uninformed borrower at the time of origination and was never offered or informed about federal student loan options. Instead, I was steered into a private loan with an exorbitant 13 % interest rate, which I believe constitutes predatory lending. 
Over the past 1819 years, this loan has transferred through multiple servicersXXXX XXXX, then Navient, and now XXXX. Throughout this time, payment tracking has been inconsistent, opaque, and unreliable. I have lost clear visibility into how much I have paid versus the remaining balance. Despite my payments exceeding the original loan amount, my balance has continued to grow, fueled by compounding interest and long-term forbearance periods seemingly encouraged by the servicers. 
I have submitted multiple requests for an interest rate reduction and more affordable repayment options, all of which were either denied or ignored. As XXXX XXXX XXXX frequent relocations related to service obligations have further complicated my ability to maintain consistent communication with servicers. 
Additionally, I believe I would have qualified for loan relief programs such as the Navient multistate settlement ( resident of qualifying states ), but was excluded solely because my loan was not in default. This exclusion is unfair, given the same predatory lending and servicing practices affected me. 
Moreover, my online loan account is missing critical original loan documents and cosigner release requests, further undermining transparency and accountability. 
I am requesting a full discharge of the remaining loan balance due to : Predatory lending practices at origination, failure to disclose available federal student loan options, deceptive servicing practices and steering toward long-term forbearance, unreasonably high interest rates, lack of transparency in payment accounting, exclusion from previous loan relief settlements. A thorough investigation by the CFPB into the conduct of XXXX XXXX, Navient, and XXXX and the original lender. A full accounting of all payments made, interest accrued, and charges applied, immediate cancellation of the remaining loan balance. Holding borrowers like me in lifelong debt due to exploitative lending and servicing practices is unjust and unacceptable. I respectfully ask for your assistance to ensure fairness and accountability in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: IN

Complaint narrative:
RE : Account Dispute & Validation Request Continental Fin Co I dispute the above account. The tradeline for Continental Fin Co contains inaccurate reporting. Specifically : Balance still reporting after charge-off. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S.C. 1692g, 1692e, 1692f, and 1681s-2 ( b ), please provide full validation and suspend all collection and reporting until completed. Specifically, I request the following documentation : Original documentation of the debt, including the ORIGINAL CONTRACT with my signature. 
Valid chain of assignment from the original creditor to your agency, including all TRANSFER ASSIGNMENTS, bills of sale, flow agreements, and assignment contracts. 
XXXX records used to verify this account with any consumer reporting agency. 
XXXX XXXX details, including name, address, and account number. 
All statements and ledgers for the account, including the DOUBLE-ENTRY ACCOUNTING record. 
Proof of any securitization, including Pooling and Servicing Agreement ( PSA ), trust name, and whether discharged/credited for IRS purposes .

Proof of your license and legal authority to collect in Indiana.

Confirmation of the applicable statute of limitations and the date of first delinquency.

Cease and desist from all collection activity until full validation is provided.

Violations already observed : Balance still reporting after charge-off.

Continuing to furnish inaccurate data after dispute ( FCRA 1681s-2 ( b ) ).

Failure to validate debt before collection ( FDCPA 1692g ).

Failure to mark account as disputed when furnishing to CRAs ( FCRA 1681s-2 ( a ) ( 3 ) ).

Requested relief : Cease collection and reporting until validation is complete. 
Delete this account from all credit bureaus XXXX XXXX XXXX XXXX  ). 
Provide written confirmation of the actions taken within 30 days. 
Dispute Reason to credit bureaus : Charged-off accounts must report as {$0.00} balance.

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 2025-10-01 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: NY

Complaint narrative:
I discovered unauthorized inquiries on my credit report, and I dont understand why its there.

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 2025-10-01 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: DC

Complaint narrative:
XXXX XXXX credit card XXXX added fraudulent charges and late payment fees to my XXXX credit card account after I closed it. The payment was never late. My XXXX crodit card from XXXX XXXX was closed and paid in full. I have a letter from XXXX that my account was closed, paid in full and has a XXXX balance. I disputed the charges with XXXX XXXX. However, they refused to fix the problem. XXXX XXXX is engaging in fraudulent and scammy business practice. See attached my ID Theft Report. Please delete this account from my credit report.

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 2025-10-01 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2025-10-01 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:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
On XX/XX/year>, I made a deposit in the amount of {$1500.00} into my Bank of America account. The deposit was made via mobile check deposit before the bank 's cutoff time for same-day processing. 
Under the Expedited Funds Availability Act ( Regulation CC ), funds from this type of deposit are required to be made available for withdrawal on the first business day following the day of deposit. However, Bank of America has placed a hold on these funds and refused to release them. 
As of XX/XX/year>, the funds are still not available in my account. I have attempted to resolve this matter by contacting Bank of America on XX/XX/year>, and XX/XX/year>. During these calls, customer service representatives have been completely uncooperative. They have repeatedly refused my requests to escalate the issue to a supervisor and, on multiple occasions, have hung up on me while I was trying to resolve the situation. The bank has refused to work with me and has provided no viable path to resolution. 
This action by Bank of America is a direct violation of federal law. Their refusal to provide timely access to my funds has prevented me from making a critical emergency payment. As a direct result of their illegal hold on my funds, I am now facing what will be hundreds of dollars in late fees and financial penalties. 
Note to the CFPB : This complaint is not to be closed without my express written consent.

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 2025-10-01 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: LEXISNEXIS
State: FL

Complaint narrative:
A claim was made on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX I received a letter I called. They said I need to call Lexis Nexus credit report.I never received answer... I had Idenity theift. XXXX XXXX XXXX police were here. My Social Security number was stolen and used in a hospital. I never used this automobile claim. I never filed it. I have never had an accident. The car was leased at the time. The problem is I just found out it stays on my record and increases my insurance policy. I switched insurance companies to XXXX as customer service was very rude and would not talk to me regarding the claim then I received a letter explaining what to do since I had an accident. This was not my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: AZ

Complaint narrative:
Avant credit card LLC reported my credit usage twine in the same month of XX/XX/XXXX. My closing date I was XX/XX/XXXX. Around the XXXX my credit usage was reported with my remaining balance owed of {$85.00}. Which was accurate. Then even sent my credit card month statement for XXXX including the closing date of XXXX XXXX. Then not even ten days later they report my credit usage again to all three credit bureaus causing g my credit score to drastically decrease. Never had they reported twice in same month my credit usage post closing date. I believe they were retaliating since I made a dispute for them stating I didnt make a payment in XX/XX/XXXX when I did. The dates of my dispute for that and the day it closed all align with the timing that avant reported me twice or XXXX. 
Im attaching my XX/XX/XXXX statement along with a screenshot from credit reporting. They are fraudulent company. Then XXXX  reported that not only after the XXXX of XXXX avant states {$85.00} balance owed but after the XXXX of XXXX they tried to retract saying on XX/XX/XXXX I owe {$210.00} its all a mess if you look at my credit reports from avant after XX/XX/XXXX they went and later reported I spent {$210.00} and put an earlier date than XX/XX/XXXX so it could appear legit. Please check all reports to all three credit brushes from Avant youll see they reported multiple times after my closing date of XX/XX/XXXX To report credit usage thereafter my credit statement received is wrong! Publish this complaint but please dont include my photos of statements from credit company Avant LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
I regularly monitor my credit report because maintaining my credit score is very important to me, yet I continue to see inaccurate and false information being reported. This has been a recurring issue that has not been resolved despite multiple attempts to have it corrected. The persistence of these errors is stressful, exhausting, and has been unfairly harming both my credit standing and my quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
I am filing this complaint against TransUnion LLC for repeated violations of the Fair Credit Reporting Act ( FCRA ).

Despite my written disputes and a second notice, TransUnion continues to report fraudulent and inaccurate collection accounts, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tra

nsUnion has failed to comply with : 15 U.S.C. 1681i ( a ) Duty to reinvestigate and delete unverifiable information. 15 U.S.C. 1681c-2 Obligation to block identity theft-related data within 4 business days. 15 U.S.C. 1681e ( b ) Duty to ensure maximum possible accuracy. Additionally, TransUnions handling of consumer disputes in the wake of its recent data breach raises significant concerns regarding negligence and failure to safeguard consumer 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