vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: MS

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX XXXX  TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX v. TransUnion, LLC ( 2d Cir. 2023 ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture vXXXX XXXX ( U.S. 2024 ) held no entity is immune from FCRA liability ; and XXXX v. TransUnion, LLC ( E.D. Pa. 2023 ) resulted in a {$23.00} million settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : === CHARGE OFF === TU : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX === INQ === XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
I sent the company a formal Debt Validation Request in XXXX of XXXX, asking them to provide verification of the alleged debt in accordance with FDCPA 809 ( b ). The company responded only with generic credit card billing statements, which do not meet the legal requirements of validation.

They did not provide : Any proof they own the debt or have legal authority to collect A signed agreement or contract An itemized calculation of the balance Documentation linking me to the alleged debt beyond ordinary statements Chain of title / assignment information Despite failing to properly validate the debt, the company has : Continued reporting the debt to the credit bureaus Continued collection efforts Failed to provide legally required verification Providing only billing statements does not meet the federal validation standard, and continuing to report or collect on an unvalidated debt violates : FDCPA 809 ( b ) failure to cease collection without validation FDCPA 807 misleading representation of the debts validity FDCPA 808 unfair collection practices FCRA 623 ( a ) ( 1 ) ( A ) furnishing information that can not be verified FCRA 611 ( b ) failure to correct disputed information I am requesting the CFPBs assistance in ensuring compliance.

Requested Resolution : Permanent deletion of this account from all credit bureaus Cessation of all collection activity until proper validation is provided Full validation including chain of title, signed contract, and itemized accounting Prevention of any reinsertion of the account Investigation into the companys validation practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a transaction that was flagged for fraudulent activity, spoke to an agent and told them it was me making the transaction, they instructed me to continue with the transaction attempt, did it several times and it never went through, talked to several agents who gave identical instructions, the next day my account was locked and no one is telling me why or when it will be resolved.

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 2025-12-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America debit card was used for fraudulent activity for a total of {$5100.00} on various dates from XXXX XXXX XX/XX/XXXX on the platform XXXX  which I did not authorize. I do not have an account with his company nor have I ever engaged in business with them. I reported this fraudulent activity to Bank of America on XX/XX/XXXX and my claim was denied on XX/XX/XXXX. In speaking to a BoA claims representative, I was informed that my claim was denied because I approved a security alert phone call on XX/XX/XXXX at XXXX XXXX  ( EST ), however I did not receive any calls, texts or app alerts from BoA on that day and did not approve any transactions. The BoA representative suggested that my phone number may have been cloned. I was recently prompted to change my BoA account password which may have been due to a security breach from hacking. I asked Bank of America to reopen the claim and send me a copy of the documents used to make the original decision of denial. I asked for documentation of the transaction authorization. I also requested a copy of the recording of the authorization phone call and this request was declined and I was told I can only obtain that through a lawyer. I have sent them a police report and my phone records via fax indicating no contact from Bank of America on XX/XX/XXXX, showing that I did not approve this activity. Bank of America has finally provided me with the " documents '' used to make this decision which was simply a letter stating " ( Name ), as you requested, documents used to resolve your claim may be included with this letter. As a reminder, our research included the information you provided with your claim, your account history, and/or the monthly account statements we sent you. Documents used in the decisioning of your dispute may be enclosed. Thank you for your patience while we researched your claim. ". There were no other enclosed documents or attachments. There was no proof of the transaction authorization which I requested. I have tried to call the merchant XXXX  on my own and have been unable to speak with a representative as that option does not exist. In speaking with a BoA representative, I was informed by him that XXXX is a not a trusted company and one that is commonly used as a platform for stolen information, such as in my situation. I am now awaiting decision on my claim which I requested to be reopened.

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am disputing the accuracy and validity of a debt being reported or collected under the above JPMCB Card account number. I received notice of an alleged balance, but JPMCB Card has not provided any proper debt-validation documentation proving that the debt is legitimate, belongs to me, or is accurately calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NATIONWIDE ACCEPTANCE LLC
State: AZ

Complaint narrative:
NATIONWIDEis falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONWIDEis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-12-01 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: EQUIFAX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: 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 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 2025-12-01 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding the following accounts that appear on my credit reports with the three major bureaus : TransUnion ( TU ). Please find the detailed information regarding the accounts in dispute below. 

DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} DPT ED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$34000.00} DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00} DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00} DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Inquiries XXXX XXXX Date of Inquiry : XX/XX/XXXX Late Payments XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-01 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: NC

Complaint narrative:
I am writing to dispute the following items on my credit report. I believe the information to be inaccurate or incomplete. Please see the details below, separated by each bureau. 

INQUIRIES XXXX XXXX XXXX XXXX, XX/XX/year> LATE PAYMENT XXXX XXXX BANK XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this complaint to formally assert that it is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate to the maximum extent possible. These errors are severely impacting me in profound and ongoing ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
On XX/XX/XXXX, American Express requested my tax returns in order to conduct a financial review of my account. I provided the form to request this from the IRS, and on XX/XX/XXXX, they cancelled my accounts and would not provide any background or context to my situation. In doing so, I lost access to over XXXX membership points and lost over {$1000.00} I spent on annual fees for their credit cards. 

I had been an American Express customer for 16 years with XXXX credit cards, a savings account, 100 % on-time payments, an excellent credit score of XXXX and according to American Express 's own credit report tool, my characteristics were listed as : Payment History : Exceptional, Amount of Debt : Very Good, Length of Credit History : Very Good, Credit Mix : Exceptional. 

The only issue shown on my credit report is : Amount of New Credit : Fair. This is because I recently purchased a new medium-priced car, with a very reasonable APR. 

I do not understand what risk characteristics I possibly pose to American Express, and they refused to provide any reason for cancelling my accounts. My wife and I are W2 employees with a combined annual household income over {$300000.00}. Our only on-going debt is a 30 year traditional mortgage of {$430000.00} at {$3100.00} per month and the new {$38000.00} car at {$660.00} per month. My credit utilization ( according to AmEx 's report ) is only 2 %. 

By any normal standard, I believe I am an exemplary customer of theirs with a long and reliable track record of paying them. I also believe this because American Express 's own website offered me a pre-approved {$50000.00} personal loan, while at the same time showing me they're cancelling my credit cards. 

I believe this was either a discriminatory action or to prevent me from using my accumulated membership points, even after paying them for multiple memberships.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
In XX/XX/year> I requested a payment date change through their website 5 days before the bill was due. Changed from the XXXX of the month to the XXXX of the month. On the XXXX of XXXX I checked my on-line account to confirm the payment date had changed. It did not and it was showing the correct balance due. XXXX hours later I went back into my on-line account and it was showing I owed 2 months of payments and the due date was still on the XXXX. I paid what was owed on my XXXX billing statement and then called their customer service line. I spoke to multiple people all week and no one could help. They did confirm they saw I made the payment and that it looked like that since I changed the due date it made the system double charge me but they couldn't help with that. I then made a XXXX  complaint and was contact by a XXXX XXXX. When I first spoke to her she gave me information on an account that didn't belong to me. She then stated that she would send an email to the XXXX department as each department has their own responsibilities and she isn't able to call anyone she just has to put in a request for the fix. I asked to proof of this contact and confirmation they would not send this to the credit bureau as I am paid up to date. She stated she did send the request but had nothing to prove that to me. She then called me a week later and stated that the issue was with another department and an email was sent to them. Again couldn't provide proof of this. I made my payment for XXXX, I actually paid over what was due, which I do most months. After I made this payment, I get an email telling me the issue was resolved and the case was closed. I went on-line to check my account and it was still showing a balance due. I then received an email stating that the issue had been closed, even though it was still showing a balance owed. I have tried to contact XXXX multiple times in the last XXXX weeks to find out the status and she has not returned any of my calls.

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