vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I am writing to formally request a XXXX XXXX  be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
I have a settlement agreement with a debt collector named Hayt Hayt & Landau for {$2300.00} due on the XXXX of XXXX, XXXX, and XX/XX/year> from the principal sum {$11000.00}. I made my first payment online on their website, which had no confirmation information, payment history portal, or web login for my account. The page was designed to simply make a payment with no proof or follow-up. To ensure my payment was received, I called their office to no avail. The line is either busy for hours, or you get to leave a voicemail, which no one returns promptly. 

My first payment was made from my savings account. I called their office to confirm my payment was received, and the agent on the phone stated they received the payment and must wait for it to process. If it was not processed, he would contact me to resubmit the information. I have the funds in my account and informed my attorney the office has not contacted me but did make my payment on time for XX/XX/XXXX. 

My second payment for XX/XX/XXXX was paid online as well with my checking account. Due to the holiday from that weekend and the banks being closed, the payment was received on the following Monday, XX/XX/XXXX. My bank confirmed the payment was received from Hayt Hayt and Landau. I received a call from Hayt Hayt and Landau on the XXXX in the morning stating they did not receive any payments, which is false because my bank confirmed they took that payment and it was processed successfully, and I made my XXXX payment. I did not receive a call or voicemail, or letter stating they did not get the XXXX payment. I have made the effort to speak to someone, follow up with my attorney, who contacted them as well, to clarify the status of my case and which payments were received. 

As of XX/XX/XXXX, they have a portal that sends confirmation of payments along with confirmation numbers and time stamps for all payments. I left a voicemail with the Hayt Hayt and Landau office, but no one has answered any calls or called me back. The current account balance posted on my account is inaccurate, and the proper amount should be reflected to ensure the information on record is correct.

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 2025-07-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The debts doesnt belong to me the address is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: AE

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had an IRA with Bank of America in a XXXX revolving CD for approximately XXXX XXXX XXXX XXXX ago, I tried to transfer the money to a different account that would earn interestthe XXXX rate was approximately XXXX XXXX. When I called to transfer the funds, I called about XXXX week prior to the maturity date, but was told that I needed to call after the maturity date. Being busy at work, I was unable to call during the XXXX XXXX grace period and the funds were once again trapped in the XXXX revolving CD. 

Determined to not miss the window to move the funds to another account, I contacted the bank the day of maturity in XX/XX/year>. I am now working with a XXXX XXXX who helped me process the paperwork with Bank of America to roll-over the funds into another qualifying account. The representative of Bank of America told me that in order to be able to move the funds into another organization, I would need to first transfer the funds into a XXXX XXXX IRA at Bank of America. The funds took approximately XXXX month to successfully transfer. 

After XXXX more months passed, I received a quarterly notice from Bank of America showing the funds had been transferred and I had been assessed a {$50.00} trustee transfer fee. When I called the customer service XXXX XXXX Bank of America to complain, they said that this fee had been disclosed in the XXXX XXXX IRA paperwork. And there was no manager available to speak with me about it. Their manager would need to call me back in XXXX business days to discuss my fury about the junk fee. 

After earning less than {$1.00} of interest on a {$3800.00} account for XXXX years while trapped in the XXXX CD, this money market fee is a ridiculous junk fee to assess. I was not given any other option to transfer the funds out of the XXXX CD into another organization, so Bank of America tricked me into to paying the fee. The representative of the bank knew that I was planning to transfer the money using my financial advisor when he suggested that this was my best option. 

I see that this bank has a history of charging junk fees without disclosing them to the consumer. So I want others to know to watch for the way in which Bank of America traps funds from consumers and charges them fees for transferring to accounts that might actually grow.

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 2025-07-15 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: TX

Complaint narrative:
I'm contacting you regarding fraudulent accounts on my consumer report linked to identity theft. I never authorized these accounts with a wet signature or any written consent. Despite previous communication with your organization, these inaccurate items remain on my report, causing significant emotional and financial distress by misrepresenting my credit history. These fraudulent entries have prevented me from achieving important financial goals like purchasing a home and supporting my family properly.

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 2025-07-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a fraud dispute to Experian and XXXX  involving an account issued by XXXX on XX/XX/2025. 

I provided supporting and thorough documentation, including a fraud affidavit and CFPB complaints. The account was initially blocked and removed from my credit report. 

However, Experian later reinserted the item, claiming I had made a material misrepresentation, agreed in writing that the block was in error, or knowingly benefited from the transaction. 

These allegations are false, defamatory, and unsupported by any documentation. I have not received any written proof, nor did I ever agree the block was made in error. 

The checking account used to make payments on this XXXX account was closed without my consent after I reported the mishandling of fraud and deceptive business practices. I have never knowingly accepted goods, services, or funds through fraudulent means. 

Experian and the data furnisher ( Chase ) have failed to : -Provide proper documentation for reinsertion, in violation of FCRA 605B ( e ) -Conduct a reasonable reinvestigation, per FCRA 1681i -Ensure accurate reporting after multiple disputes, contrary to FCRA 1681s-2 ( b ) Their actions have damaged my credit standing and personal reputation. I believe these parties are also in violation of California consumer protection laws, including the California Consumer Credit Reporting Agencies Act ( CCRAA, Civil Code 1785 et seq. ) and defamation statutes.

Requested Resolution : -Immediate and permanent removal of the reinserted, inaccurate account -Written confirmation and legal explanation of how the reinsertion was justified -Full disclosure of any internal records, correspondence, or evidence used to reinstate the item -Assurance that the account will not be re-reported unless legally verified and substantiated with clear documentation I respectfully request CFPB review and enforcement to ensure compliance with federal and state law, and to prevent further harm to my credit and consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: OK

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 XXXX  ] Account Number : [ XXXX ] Creditor Name : [ 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 non-monetary relief
Consumer complaint received 2025-07-15 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The XXXX  and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
In XX/XX/XXXX, while XXXX, I sought a reliable vehicle and visited XXXX XXXXXXXX XXXX location. I was shown a XXXX XXXX XXXX with approximately XXXX miles, listed at around {$13000.00}. I was informed that I may not qualify due to short employment history, but a sales representative assured me he could pull some strings. I spent over XXXX hours at the dealership and finalized the purchase close to XXXX XXXX  that night. 

Upon signing, I was not informed of the total interest or APR. I later discovered the financing agreement required me to pay over {$30000.00} total for a vehicle over XXXX XXXX XXXX with high mileage. This appears to be predatory financing, particularly targeting vulnerable consumers. 

I was told the vehicle passed inspection, yet within minutes of leaving the lot, the car began grinding loudly and shutting offincluding once on the expressway while I had my child with me. Within 15 days, I attempted to return the car, but XXXX refused. And then the location shutdown. Which I was not warned of before getting the car. 

I also attempted a voluntary repossession, which they discouraged by threatening credit consequences. They made verbal promises that timely payments would improve my credit through monthly reporting, but that never occurred. 

The car was eventually repossessed in XX/XX/XXXX, and the account was closed in XX/XX/XXXX. However, as of XX/XX/XXXX, XXXX is still reporting the account as freshly closed and has provided false closure dates to TransUnion, affecting my credit unfairly. 

I have requested documentation and the name of the original sales representative, but XXXX has repeatedly refused to provide them. This ongoing misinformation and failure to respond raises serious concerns about compliance with the Truth in Lending Act ( TILA ), the Fair Credit Reporting Act ( FCRA ), and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). 



Also a lawsuit has been filled in XXXX XXXX XXXX XXXX XXXX of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
Re : Formal Dispute of Inaccurate Information ( Charge-Offs ) Pursuant to FCRA 611 and 609 Disputed Accounts : 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 XXXXXXXX To Whom It May Concern, This is a formal request for investigation and removal of inaccurate information pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, specifically 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ). 
I am disputing the reporting of the following accounts listed as charge-offs on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are being reported inaccurately and are either unverifiable, obsolete, or incorrectly listed under the charge-off status. I formally request that you conduct a reinvestigation in accordance with FCRA 611, and verify the completeness and accuracy of the reported data. 
Dispute Reason Code ( XXXX  Structured for E-Oscar System ) : Code 001 Not my account / ID theft not claimedCode 103 Account paid in full/ not charged-offCode 205 Information is inaccurate balance, status, or dates incorrectCode 301 Consumer states account was paid before charge-offCode 400 Account includes outdated or obsolete information I am also invoking my right under FCRA 609 ( a ) ( 1 ) to request a description of the procedure used to determine the accuracy and completeness of the information. Please include the name, address, and telephone number of the furnisher of this information, as required by law. 
You are required by the FCRA to complete your reinvestigation within 30 days of receipt of this dispute. If the account ( s ) can not be verified or updated with complete accuracy, they must be promptly deleted from my credit file as required by FCRA 611 ( a ) ( 5 ).

In addition, I am requesting that any and all documentation used in your investigation be sent to me in compliance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Summary of Request : * Conduct reinvestigation per FCRA 611 * Provide results and description of investigation procedure ( FCRA 609 ) * Remove unverifiable/inaccurate charge-off entries * Send me all verification documentation This letter is sent in good faith with the full intent to resolve these reporting inaccuracies. Failure to comply may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential civil legal action under FCRA 616 and 617. 
Please process this dispute and provide your response in writing within 30 days, as required by law. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Im currently in the process of filing for XXXX  XXXX bankruptcy and would like to clarify a few details about my situation : I have a mortgage on my home, but I do not wish to keep the property. I would like to know my options for surrendering the home and whether any remaining balance would be discharged. I own my car outright, with no current loan. I want to ensure that I can keep it during the bankruptcy process. 
Id like to confirm that my credit card debts, along with any other unsecured debts, will be fully discharged. 

Please let me know if you need any additional information from me or if I need to take any further steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my XXXX XXXX XXXX XXXX XXXX XXXX of dealing with these unresolved discrepancies has been XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX  Account Number : XXXX INQUIRIES : XXXXXXXX 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX  Account Number : XXXX INQUIRIES : XXXXXXXX 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 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 XXXXXX/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 2025-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I XXXX review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with non-monetary relief