vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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 XXXX XXXX AM SUBMITTING THIS COMPLAINT ON BEHALF OF MYSELF. THIS IS NOW MY THIRD REQUEST, AS MY PREVIOUS TWO HAVE GONE UNANSWERED.

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America messed up and closed a claim from XXXX of last year. They then reopened it admitting the error. Then after six months because they screed it up, closed the claim and refused to pay it. After arguing with them for hours on multiple days. I told them I was going to file with the cfpb. They then swiftly closed my account and denied the claim. Regardless of all the evidence they refuse to acknowledge their mistake and are now guilty of discrimination due to retaliation for complaints filed. They are not being held accountable but guess who has solidified over 500 people in similar situations? 


Yep. Get ready b of a. Theres a class action coming. 

Tried to tell you. But you play stupid games you win stupid prizes. 

You win the grand prize.

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 2025-11-16 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: FC HoldCo LLC
State: FL

Complaint narrative:
I am disputing inaccurate and misleading delinquency reporting by Flagship Credit Acceptance on auto loan account XXXX. The creditor continued reporting 30-day, 90-day, 120-day, 150-day late payments, repossession, and charge-off for XXXX XXXX, despite having full documentation showing I was not responsible for these payments and did not have possession or control of the vehicle. 

On XX/XX/XXXX, a court-issued divorce settlement legally assigned full responsibility and liability for the vehicle to the co-borrower. I provided Flagship with this legal document.

From that date forward, I no longer had possession of the vehicle and was legally prohibited from retrieving, using, or controlling it. 

Throughout XXXX, I repeatedly notified Flagship in writing that : I did not have physical access to the vehicle I provided the exact address and location of the vehicle multiple times The vehicle was uninsured, creating significant risk The co-borrower was planning to leave the state I requested a refinance or transfer into my name, which they refused without the co-borrowers signature Despite receiving all of this information including a binding court order Flagship took no action for months. They failed to secure their collateral or update the account handling. Their inaction directly caused the delinquency progression and negative reporting now appearing on my credit file. 

I also attempted to access my account multiple times, but was repeatedly locked out due to verification issues. My login history supports this. 

I disputed this information with the bureau 's including the divorce agreement most recently on Report XXXX XXXX, Date Generated XX/XX/XXXX The issue remained. 

Under FCRA 611 and 623, Flagship is required to report accurate and complete information and consider all documentation supplied by the consumer. The derogatory reporting is the result of creditor inaction, not consumer behavior. 

I am requesting CFPB assistance to have these inaccurate entries removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: IN

Complaint narrative:
Thursday, XX/XX/XXXX Thursday, XX/XX/XXXX XXXX - Jefferson Capital Systems , LLC This company is contacting multiple third party individuals, and stating its a debt collection with the name of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the XXXX XXXX late payments ( Acct XXXX XXXX and Acct XXXX XXXXXXXX ), and I want to make this very clear : I have not received one page of real verification from your office. Under the FCRA, you are legally required to maintain and provide accurate, complete, and fully verifiable payment information not recycled stall letters and not copies of my own credit report. Since you clearly do not know how to verify a late payment, here is what is required : the actual due date, the date the payment was received, the date the payment was posted, the full payment ledger, the complete transaction history, the billing cycle records, the DOFD ( Date of First Delinquency ), and Metro-2 compliant payment coding showing the exact sequence of timely vs. late payments. None of this has been provided, and the FCRA deadline has already expired. Reporting a late payment without proof violates FCRA 1681e ( b ) ( accuracy ), 1681i ( a ) ( failure to reinvestigate ), and 1681s-2 ( b ) ( failure to verify disputed information ). Since you have failed to verify any required documentation, these late payments are legally unverified and must be deleted immediately and not reinserted without complete, documented validation not vague excuses, not stall tactics, and not another copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA

Complaint narrative:
I am formally disputing a debt that XXXX XXXX XXXX is attempting to collect on behalf of my former apartment. I have already disputed this debt with them. The reasons are as follows : Bulky item ( sofa ) charge : On my move-out day, the building elevator was out of service, making it unsafe and impossible to move the sofa down the stairs. I had already scheduled a City bulky item pickup through XXXX XXXXXXXX and have documentation to prove this. The elevator outage can also be verified with the apartment management or the elevator service company around XX/XX/year>. 

Tub repair charge ( {$270.00} ) : I have never received any photos, documentation, or inspection reports. I do not accept this charge and have disputed it with XXXX, XXXX. 

I request that XXXX, XXXX cease all collection activity until full validation of this debt is provided. I also request that this disputed debt not be reported to any credit bureaus until the issue is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Demand for Deletion of Unauthorized Hard Inquiries FCRA Violations To Whom It May Concern : This letter constitutes a formal legal demand for immediate investigation and removal of the unauthorized hard inquiries listed below from my Equifax credit file. I did not provide any form of consentwritten, verbal, electronic, or otherwisefor these entities to access my credit report : XXXX & XXXX AUTOS - XX/XX/year> XXXX XXXX AUTO - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), you are required to report only information that is accurate and legally obtained. Specifically : 15 U.S.C. 1681b prohibits the furnishing of a consumer report without a permissible purpose.

15 U.S.C. 1681e ( b ) mandates that you maintain maximum possible accuracy of the information you report.

15 U.S.C. 1681i requires prompt and thorough reinvestigation of disputed information.

These inquiries do not meet the permissible-purpose requirement, and their continued presence on my Equifax credit file constitutes a violation of federal law.

Therefore, I am demanding the following actions without delay : A full reinvestigation of each disputed inquiry.

Documented proof from each furnisher showing I granted explicit authorization.

Immediate deletion of any inquiry that can not be fully verified with legally sufficient evidence.

Written confirmation of the results of your investigation.

An updated copy of my corrected Equifax credit report.

Should Equifax fail to comply with FCRA requirements or if inaccurate information remains, I will be prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and other regulatory bodies. I will also consider seeking legal counsel to pursue all remedies available under federal law.

For identity verification, I am providing copies of the following documents : Government-issued ID Proof of address I expect full compliance and prompt resolution in accordance with federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
They told me verbally on the day of deposit that the cashier check was a XXXX day hold and then some in the branch placed it on a 5 day hold. The clerk said they felt my funds were suspicious and they had the right. They acted indifferent and like I didnt matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I visited a business called XXXX XXXX in XXXX, NJ. The therapist asked for my debit card, and I briefly handed it to her. She then showed me a charge amount that was much higher than what I was originally told and far higher than anything I have ever paid for similar services. This immediately made me suspicious. She also asked for my phone number to receive an OTP ( one-time password ), which I did not consent to and which felt like an attempt to push an unauthorized transaction. 

Because the amount was unusual and the OTP request was suspicious, I immediately asked for my card back and clearly told her that I did not want the service. I then left the location. I never received any service, session, or treatment at all. 

Despite this, the merchant processed a {$120.00} charge AFTER I had already canceled, taken my card back, and left the premises. I did not authorize this charge, did not provide any PIN, did not provide any OTP, did not sign anything, and I was not physically present when the transaction was processed. 

I attempted to contact the merchant afterward, but the phone number they provided does not work. Since the merchant appears to be fraudulent and I do not want to put myself in a hostile or unsafe situation, I did not return to the location. 

I disputed this charge with Chase twice under service not received / unauthorized transaction, but Chase denied both disputes without addressing that the merchant charged my card after cancellation and after I left with my card. 

I am requesting CFPB assistance to have Chase properly investigate this unauthorized and fraudulent post-cancellation charge and refund the {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or about XX/XX/XXXX, a charge of {$1300.00} was posted to my credit card for a purchase made through the merchant XXXX XXXX. 

The purchase was for concert tickets. I later discovered, based on the official event announcement, that the tickets I purchased could not possibly have existed at the time of the transaction. The official public presale for the event did not begin until September 2611 days after the merchant accepted my payment. 

This means XXXX sold me non-existent, speculative tickets, which constitutes fraudulent misrepresentation and a clear case of Merchandise Substantially Not as Described. The merchant refused any form of refund or cancellation. 

I filed a formal dispute with Bank of America on XX/XX/XXXX, providing documentation ( including the purchase receipt and the official sale announcement ) proving the sale occurred 11 days before the tickets were released. 

Bank of America subsequently denied my dispute claim on XX/XX/XXXX. The denial may have been based on the premise that this was a simple case of " buyer 's remorse '' or that the merchant ( XXXX ) has a " no refund '' policy. 

This is incorrect. This is a clear case of fraudulent misrepresentation. The bank 's denial failed to recognize the clear evidence of the merchant 's fraudulent selling practices and deceptive misrepresentation. 

I seek a full and immediate reversal of the {$1300.00} charge on the basis that Bank of America incorrectly denied my valid dispute claim for a fraudulent and misrepresented transaction.

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 2025-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Aubrey Thrasher, LLC
State: TX

Complaint narrative:
Contacted family members have not affiliation to the corporation whom the debt is related to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: IL

Complaint narrative:
I financed a solar system through XXXX XXXX, with the loan serviced by GoodLeap. XXXX XXXX has since gone bankrupt and is no longer honoring warranties or providing labor support. The system is underperforming and does not deliver the promised savings or efficiency. I am still being charged monthly payments by GoodLeap for a system that is defective and unsupported. 

My contract includes the FTC XXXX XXXX clause, which states that any holder of this consumer credit contract is subject to all claims and defenses I could assert against the seller. I sent a formal written notice to GoodLeap on XX/XX/year> requesting relief under this clause, including suspension or cancellation of payments and clarification of available remedies. I have not received a response. 

I am requesting that GoodLeap honor the XXXX XXXX and provide relief due to the sellers collapse and misrepresentation. I also request that any negative credit reporting be removed and that payments already made be refunded or credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: WA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that you will investigate these items for me to ensure accuracy, heres the item Im asking you to verify as accurate : XXXX XXXX XXXX XXXXXXXX account number XXXX on the 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 2025-11-16 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
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 : BARCLAYS BANK DELAWA * Original Creditor : BARCLAYS BANK DELAWA Account Number : XXXX Reported Balance : XXXX Date Opened : XX/XX/year> * Credit Bureau XXXX : [ XXXX XXXX XXXX XXXX XXXX * 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.

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 2025-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not authorize anyone employed by this company to make any inquiries or view my credit report. In addition, I did not permit Experian permission to furnish this incorrect information on my credit report this is a violation of the fair credit reporting act section 1681b ( c ) constitutes fraudulent activity and a seriousbreach of my privacy rights. 

Please remove this inquiry from my report : XXXX on XX/XX/year> Thank You

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 2025-11-16 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: NY

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Phone : XXXX Email : XXXX Creditor : XXXXXXXX XXXX XXXXXXXX. 
Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting this complaint regarding inaccurate and incomplete payment history reporting for my XXXX XXXX  XXXX. credit card account. 

There are two issues affecting the accuracy of my credit file : 1. Inaccurate 30-Day Late Payment Reporting Equifax, Experian, and TransUnion are each reporting a 30-day late payment for XX/XX/XXXX. This information is incorrect. 
I made my payment, and at no point was my account 30 days past due. 

This inaccurate late payment is negatively affecting my credit score and does not reflect my actual payment behavior.

2. Incomplete/ Missing Monthly Payment History In addition to the inaccurate delinquency, the account is also reporting incomplete payment history across the bureaus.

Several months where I made payments on time are either : missing, not displayed, or inconsistently reported. 

This incomplete reporting does not meet the FCRA requirement for maximum possible accuracy under 607 ( b ). 

Account Details Creditor : XXXX XXXX XXXX. 

Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issues : Incorrect 30-day late payment ( XX/XX/XXXX ) Missing or incomplete payment history for multiple months Impact The inaccurate and incomplete reporting : lowers my credit score, misrepresents my payment reliability, and creates an inaccurate credit profile for potential lenders.

Company response to consumer: Closed with explanation