vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: MD

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 mental 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 non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: FL

Complaint narrative:
After XXXX consecutive on-time payments, I requested assistance from Volkswagen Credit XXXX  under their advertised COVID-19 relief programs. Instead, they reported late payments during a time of crisisdespite public promises of compassion, flexibility, and support.

I submitted multiple goodwill requests showing hardship and a strong payment history. They denied these, stating they only report facts, but failed to acknowledge context or transparency. This contradicts the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ( A ) ) which requires accuracy and completeness.

This mirrors misconduct Volkswagen XXXX  Services was fined for in the XXXXdenying COVID accommodations while continuing aggressive credit reporting. 

I am requesting a formal reinvestigation and correction of inaccurate and misleading reporting by Volkswagen Credit XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
I am submitting this formal complaint regarding Bank of Americas handling of my credit card account during a period of identity theft that caused significant financial and personal harm. I am requesting an immediate investigation by the Consumer Financial Protection Bureau due to what I believe is a grossly unfair and unjust closure of my account by Bank of America.

During the identity theft incident, my financial accounts were targeted by a fraudster who made unauthorized transactions and opened accounts in my name. This resulted in a series of fraudulent charges on my Bank of America credit card, along with unauthorized withdrawals from one of my linked checking accounts. The result was a returned payment on my credit card accountnot due to any negligence or wrongdoing on my part, but rather as a direct consequence of this fraudulent activity.

I reported the identity theft in full to the Federal Trade Commission ( FTC ), and fraud alerts were placed with the major credit bureaus. Documentation was also shared with relevant institutions, including Bank of America. Despite this, Bank of America proceeded to close my credit card accounta card on which I had zero missed payments, a postive usage history, and responsible use.

The credit card in question was particularly important to me, as I am currently serving overseas and it provided me with no foreign transaction fees unlike their debit card.

Bank of Americas decision to close my account appears to be discriminatory under the circumstances. Rather than supporting a customer who was the victim of a crime, the bank chose to penalize me for circumstances well outside my control. Their action has harmed my credit profile and added further distress during an already difficult period.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: LA

Complaint narrative:
I am filing this complaint because ACIMA DIGITAL FKA SIMPLE is reporting inaccurate and incomplete information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

The account shows a charge-off for {$1900.00} as of XX/XX/year>, but continues to reflect an outstanding balance and a past-due status with no activity since then. This is inaccurate, outdated, and misleading. Under FCRA 15 U.S.C. 1681i, consumer reporting agencies are required to maintain complete and accurate information. This account was last updated over three years ago with no proof of validation.

I dispute the continued reporting of this item as it appears to be unverifiable, incomplete, and not timely updated. I am requesting that the account be permanently deleted from my credit report with XXXX XXXX, and XXXX ACIMA has already had the chance to verify this item and has failed to provide full compliance.

Please investigate this matter and require ACIMA DIGITAL to provide : Full validation of the debt Evidence of their right to report it And immediate deletion if they can not comply with the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A fraudulent charge in the amount of {$1600.00} that was posted to my Best Buy Store credit card issued by Citi Bank on XX/XX/XXXX, in XXXX, NY. An additional charge of {$1500.00} was made the following day, XX/XX/XXXX, at the same location. I did not authorize or conduct either of these transactions. 

At the time of both charges, I was working from XXXX XXXX  to XXXX XXXX in XXXX XXXX. Additionally, I am a resident of XXXX, NY, and have no ties to the XXXX locations where these purchases were made. 

Upon discovering the charges, I immediately contacted Citi Bank to report and dispute both transactions. While the XX/XX/XXXX charge of {$1500.00} was successfully reversed and removed from my account, the XX/XX/XXXX charge of {$1600.00} remains unresolved and has not been credited back to my account. 

For further clarification, my previous card was lost in XX/XX/XXXX. A replacement card was issued, but I did not activate it until XX/XX/XXXX. Since activation, I have not made any purchases with this card.

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 2025-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Subject : Urgent : Incorrect Credit Reporting & Account Update After Transfer to Selene Dear Selene / Credit Bureaus / CFPB / Fl Mortgage State Regulator, I am writing to formally dispute and report inaccurate and harmful information regarding my mortgage account that began when my loan was transferred from XXXX to Selene in XXXX, during the middle of my trial payment period. 
Since the transfer : I have continued making all my payments on time and remain current. 
Despite this, I have not received a permanent resolution to my loan status. 
My account is incorrectly being reported as two months delinquent, which is false. 
This has caused my credit score to drop by XXXX points, severely harming my credit profile despite my excellent payment history. 

I have attached documentation of my on-time payments, including : bank statements, my trial payment agreement.

I am requesting the following : Immediate correction of my account status to reflect that I am current and have no missed or late payments.

Immediate correction of all credit bureau reports to remove the false delinquency.

Written confirmation of the correction once it is completed.

Please investigate and resolve this matter as soon as possible. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting and timely resolution of disputes.

If I do not receive a satisfactory response within 30 days, I will escalate this complaint through additional regulatory and legal channels.

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: AR

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-07-10 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: AR

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 non-monetary relief
Consumer complaint received 2025-07-10 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: NC

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report. 

Reporting inaccurate and unauthorized information violates the Fair Credit Reporting Act ( FCRA ) and is causing serious and unjust damage to my credit. If this item is not removed promptly, I expect a full deletion of this fraudulent account without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
Basically I lost my XXXX  XXXX card my bank is called current its an online bank. I lost it and money was taken out of my account. First {$300.00} then {$180.00} and I filed a dispute almost immediately then next day. This was on XX/XX/XXXX and they completed the investigation in XXXX  days which makes no sense how they investigated in such little time they denied my disputes saying their was no error found and that I authorized these transactions. They have no proof the only things they sent was the dispute form saying it was denied with no explanation. This is not okay I need my money back and they just deny disputes. I had another dispute a while ago and they also denied it. Which means I lost my money that time too. I also filed a police report and sent it to them and they still denied my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX CO XXXX ACCOUNTS XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$390.00}

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 2025-07-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX INQUIRIES : XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year>XXXX XXXX  Date : XX/XX/year>

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 2025-07-10 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing this formal complaint against Bank of America due to its persistent refusal to engage with my good-faith efforts to secure a hardship accommodation. For months, I have been trying to work proactively with the bank to manage my account during a documented 16-month period of unemployment. At every turn, I have been met with a pattern of deflection, unresponsiveness, and a failure to provide information on available internal programs.

Summary of Bank of America 's Systemic Failures : Ignoring Executive Escalation : My attempts to resolve this began on XX/XX/year>, when I sent a detailed email to Bank of America 's Executive Customer Relations Team. This email ( attached ) outlined my hardship, my ability to pay a reduced amount, and a formal request for a hardship plan. This high-level request was completely ignored.

Failure of the Designated Hardship Department : On XX/XX/XXXX and XX/XX/year>, I placed multiple direct calls to Bank of America 's official Hardship Assistance line at ( XXXX ) XXXX. During these calls, I was again deflected and told that the only option available was to contact a third-party credit counseling agency. My specific requests to discuss internal Bank of America programs were dismissed.

Unresponsive Assigned Representative : After receiving a letter from a BofA representative named XXXX XXXX, I attempted to establish contact as directed. I have left approximately 10 unanswered voicemails for him at his XXXX office number. He has never returned a single call. 

Ignoring Formal Written Correspondence : On or around XX/XX/year>, I sent a formal demand letter via USPS Certified Mail to Bank of America 's official correspondence address. This letter again detailed my hardship and formally requested a loan modification. This, too, has been met with complete silence.

Bank of America 's conduct has made it impossible to manage my account responsibly. Their refusal to engage at every levelfrom their executive offices to their designated hardship lineis forcing me toward a delinquency that I have been actively trying to avoid.

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