vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: GA

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 2025-12-16 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: MD

Complaint narrative:
I am filing this complaint as a consumer who is actively working to repair my credit and has identified multiple accounts and late payments on my Experian credit report that may be inaccurately reported or duplicated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request Experian to verify the accuracy, ownership, balances, and reporting status of these accounts. Any information that can not be verified should be corrected or removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I dispute the accuracy of these late payment reports and request verification. 

I respectfully request Experian conduct a thorough investigation and ensure my credit report contains only accurate and verified 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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or 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 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: TX

Complaint narrative:
CFPB COLLECTION REMOVAL DISPUTE LETTER To be submitted through : consumerfinance.gov/complaint ( No need to mail, upload through the portal with supporting files. ) Your Full Name : Address : Phone : Email : Date : Subject : Formal Complaint Collection Account Reporting Without Full Validation | FCRA 611, FDCPA 809 ( b ) To Whom It May Concern, I am filing this formal dispute and complaint regarding a collection account that is being reported on my consumer credit file by [ Debt Collector Name ], who has failed to validate the debt in accordance with FDCPA 809 ( b ) and continues to report inaccurate or unverifiable information in violation of the Fair Credit Reporting Act, 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ). 

ACCOUNT IN DISPUTE : Collection Agency : [ XXXX XXXX XXXX Original Creditor : Account Number : Reported Balance : Date Opened : Credit Bureau Reporting : [ XXXX XXXX XXXX XXXX XXXX list all that apply ] LEGAL BASIS FOR REMOVAL : Despite my timely and certified request for validation under FDCPA 809, the collector either : Failed to provide full chain of assignment or legal ownership, Sent only generic billing statements or screenshots not tied to my identity, Could not supply an original signed contract or application showing my agreement to this debt, Continued to report the item to the credit bureaus without marking the account as disputed, violating FCRA 623 ( a ) ( 3 ).

Under FCRA 611 ( a ), consumers have the right to request an investigation into disputed items that are incomplete, inaccurate, or unverifiable. The lack of legal documentation makes this debt unfit for consumer reporting. Continued publication of this collection is harming my creditworthiness and violates my rights.

RESOLUTION REQUESTED : I respectfully request that the Consumer Financial Protection Bureau open an investigation into this matter and enforce : Immediate removal of this unvalidated debt from all consumer reporting agencies, A review of the collectors reporting and compliance procedures, A permanent cease and desist from further reporting this debt under FDCPA 807 ( 8 ) and FCRA 605B if identity fraud or reporting errors are also involved. 

All supporting documentation ( dispute letter, response from collector, credit report screenshots, proof of certified mailing ) is attached for your review. 

Thank you for your time, oversight, and assistance in protecting consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In late XX/XX/2024, XXXX Bank of America checking account, which I had maintained for approximately XXXX years, was closed by the bank without any prior notice or warning. I did not request the closure. 

After the account was closed, I contacted Bank of America by phone. I was informed that the bank made the decision to close the account but was not provided with any reason. I was told that the remaining balance in my account would be mailed to me in the form of a check within a couple of weeks. 

By the last week of XXXX, I had not received the check, so I contacted Bank of America again. At that time, I was told that the account was still pending closing and that it should be fully closed by XX/XX/XXXX. 

I contacted Bank of America again on XX/XX/XXXX, and again on XX/XX/XXXX, and each time I was told that the account was still pending closing. As of today, more than XXXX months after the bank closed my account, I have not received my remaining funds, nor have I been given a clear explanation for the delay. 

Despite repeated phone calls, Bank of America has been unable or unwilling to provide : A reason for the account closure A firm date for when my funds will be released Confirmation of when or how my remaining balance will be sent My funds have effectively been withheld for an unreasonable amount of time with no explanation. I am requesting that Bank of America immediately release my remaining balance and provide written documentation explaining the account closure and the disposition of my funds.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a new checking account with Truist Bank on XX/XX/year>. On that same day, I deposited a lawfully issued settlement check that was originally payable to my mother. She authorized and endorsed the check to me and gave me permission to handle the settlement funds on her behalf. Truist accepted the check, cashed it, and credited the funds to the account. 

The settlement check fully cleared on XX/XX/year>, and the funds were shown as available in my Truist account. 

After the check cleared, I attempted to initiate an electronic transfer of funds from my Truist account to my existing XXXXXXXX XXXX account. At that point, the transaction was suspended, I was forcibly logged out of the Truist system, and shortly thereafter the account was restricted and closed without prior notice or explanation. 

Since the closure, Truist has denied me access to funds that were already accepted, cleared, and credited, and has not provided a clear timeline or method for returning my money. There is no court order, XXXX, garnishment, or legal hold that I have been notified of that would justify retaining these funds. 

Despite repeated attempts to resolve this matter, Truist has failed to promptly release my cleared settlement funds.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request that the credit freeze currently placed on my credit file be temporarily lifted/ permanently removed for all purposes. This request applies to my accounts with your credit bureau. 

Personal Information : Full Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
XX/XX/XXXX I called Axos bank and I immediately got disconnected once I provided the representative with my name. 

XX/XX/XXXX I called the bank again, and I waited over 30 minutes, and no one answered my call XX/XX/XXXX I contacted a representative via online chat XXXX, I went through the verification process and XXXX refused to remove the lock on my card. Even though I passed the verification process. 

XX/XX/XXXX Spoke to a representative at Axos Bank who then transferred me to XXXX XXXX representative XXXX employee number XXXX. I passed the verification process, and she refused to remove the lock on my card. She stated that I have to say that the transaction were mine in order for the card to get unlocked. I told her that the transactions she was referring to were over 2 months ago. I said I have access to the card now. I said the transactions she was referring to she mentioned were only for XXXX XXXX  why put a fraud alert on my card for that? I said something corrupt is going on. I never called to state my card was stolen or anything. I can read you the card numbers and she said no I need you to say yes you did those transactions. I said that was over 2 months ago. I got the card with me now. I should not have to go through loops to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NC

Complaint narrative:
I am filing this complaint as a consumer who is working to repair my credit and has identified accounts and late payments on my Experian credit report that may be inaccurately reported. 

* * Charged-Off Accounts in Dispute ( Experian ) : * XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX I request Experian to verify the accuracy, balances, ownership, and reporting status of these accounts. Any account that can not be verified should be corrected or removed. 

* * Late Payments in Dispute ( Experian ) : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX I request verification and correction if the late payment reporting is inaccurate. 

I respectfully request Experian conduct a thorough investigation and ensure my credit report contains only accurate and verified 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 2025-12-16 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: DC

Complaint narrative:
I discovered hard inquiries on my credit report that did not authorize and do not recognize. I did not apply for credit with the companies associated with these inquiries, nor did i provide consent for my credit report to be accessed. 

i disputed the inquiries and requested proof of authorization, including a signed application or permissible purpose under 15 U.S.C 1681b. The companies failed to provide documentation showing that i initiated or authorized the credit checks. Despite the lack of proof, the inquiries remained on 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 non-monetary relief
Consumer complaint received 2025-12-16 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: LA

Complaint narrative:
Experian and XXXX  has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX  inaction violates federal law and my rights as a 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 non-monetary relief
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I acknowledge XXXX XXXX XXXX  response dated XX/XX/XXXX. However, the response fails to meet the verification and investigation requirements mandated by federal law and does not justify continued reporting of a 30-day late payment for XX/XX/XXXX. 

XXXX admits it is acting as a debt collector, thereby subjecting itself to heightened accuracy and verification obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) and the Fair Debt Collection Practices Act. Despite this, XXXX relies exclusively on internal system records and refuses to provide third-party, objective verification of the disputed information. 

Critically, XXXX has not produced any verifiable proof that required notice of the returned payment was actually delivered and received prior to credit reporting on XX/XX/XXXX. No certified mail receipt, XXXX tracking, proof of delivery, or acknowledgment of receipt has been provided. A generic Returned Payment Notice without delivery confirmation does not satisfy FCRA verification standards. 

Additionally, XXXX improperly attempts to shift its statutory burden by stating that proof must be obtained from my bank. Federal law is clear that the furnisher, not the consumer, bears the responsibility to verify disputed information through a reasonable investigation using competent evidence. 

XXXX own records show the payment was initially accepted and applied before being reversed internally. Under 15 U.S.C. 1666b, payments must be credited as received, and consumers must be given reasonable notice and opportunity to cure before negative credit reporting. XXXX has failed to demonstrate compliance with this requirement. 

Furthermore, XXXX has not demonstrated compliance with 15 U.S.C. 1681b ( a ) ( 2 ) ( permissible purpose ), 1681s-3, or 1637, nor has it shown that a lawful, documented pre-reporting compliance review occurred. 

Because XXXX XXXX XXXX can not provide third-party verifiable proof of proper notice, delivery, and a reasonable investigation, the XX/XX/XXXX XXXX late payment remains unverified. Continued reporting of this item constitutes furnishing inaccurate and unverifiable information. 

I respectfully request that the CFPB require XXXX XXXX XXXX to either : Produce documented, third-party verifiable proof of delivery of notice and full statutory compliance, or Delete the XX/XX/XXXX late payment from all consumer reporting agencies and correct the account to Paid as Agreed. 

Absent such proof, deletion is required under FCRA 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 2025-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: NY

Complaint narrative:
I have been sent to collections due to a billing error on XXXX  XXXX  end I called the line and canceled my service to finally switch to another company who came into my area. You CAN NOT cancel an account if you owe money they will not allow it. I spoke to the spectrum rep and he tried to get me to stay he kept giving me the run around and finally canceled my account. A few months later I get a message stating my account is in collections for almost XXXX $ no explanation of for what or why. I never had spectrum equipment because it consistently failed so I bought my own internet router and modem. I canceled my account with no balance as is required for any subscription or service. I have been consistently trying to contact the collections company i have put in a request on their website that the debt was not accurate and explained the above situation I never received a return message. I have called the number in a text they gave me they are requesting sensitive information I am not willing to distribute untill I verify the debt and any other info. If I ask for a representative the automation asks me why I want to speak with a rep then transfers me to a dead line this happened multiple times. I gave bogus information trying to bypass the system and even then it would not allow me through. The website I have been provided says my access is blocked. I have no way to speak with anyone I have no contact other than text messages saying I owe a debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief