vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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:
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 2025-09-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I was transferring {$1000.00} from my Bank of America checking account to my savings account. The transaction was rerouted to the Bank Of America credit card account which is closed and forwarded to collection agency XXXX XXXX XXXX. 

I contacted BoFA immediately after I realized what happened, and the representative asked me to call back on XX/XX/XXXX when the payment would be posted and BoFA will refund the money back. 
When I contacted BoFA on XX/XX/XXXX and explained everything I was transferred to XXXX different people and finally asked to contact XXXX XXXX XXXX the collection agency and BoFA will not be able to do anything because the money went to the collection agency. 
I contacted XXXX XXXX XXXX and the representative was extremely rude and right away told me that they will not be able to do absolutely anything and asked me to reach out to BoFA. 

I called back BoFA and explained that I spoke to the collection agency and they told me they can not do anything and asked me to contact BoFA. 

Then, the representative from BoFA told me that BoFA will not be able to do anything either. 

Now I am stuck in between these two and lost {$1000.00}. 
I want to file a complaint.

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 2025-09-25 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: PA

Complaint narrative:
Transunion had a security breach and leak of my information which is now on the dark web. This has lead to fraud, duplicate accounts, incorrect balances on my accounts, acounts that are not mine and hard inquiries that I never authorized. I've tried multiple times to contact them and submit my disputes and their website doesn't work. I've called them and remain on hold for over an hour each time. This is not appropriate or fair to do to me. After my information was leaked I learned via the web that they are offering two years of credit monitoring services for free.

They are the ones who allowed this to happen yet they did not correct my report, notify me of the security breach, I found out through a security scan of my personal information, nor can I reach out to them to have this corrected. 

I need help now as this has affected every aspect of my life. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: U.S. BANCORP
State: KY

Complaint narrative:
U. S Bank has backed out of the situation because they believe the transactions were authorized from past history and patterns. My situation is very sticky and very odd I was not aware that my fraud claim did not include the credited things into my account as well. I created a new account and new savings because I called a day after my claim was filed because I received an email that my login password was changed when it wasn't me.I pulled the provisional credit from the old savings to the new savings to keep it protected because someone got into my login information. I was told that my claim was denied and that I need to contact XXXX XXXX and XXXX XXXX about receiving my money back that the bank can no longer do anything. I had to switch my direct deposit to a whole different thing because I was getting paid to my account. I know u.s bank will take back the provisional credit. The bank told me only thing I could do was a police report. This whole Situation has put XXXX pending transactions in my checking account that I can not afford to pay off at this moment.

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 2025-09-25 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: GA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-09-25 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: GA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: IN

Complaint narrative:
I received notification that a new collections account in the amount of {$910.00} was added to my credit report. The account is listed with a date of service of XX/XX/year>. 

I was not previously notified about this debt, nor was I given an opportunity to validate or dispute the charges before it was reported to the credit bureaus. I have not received any billing statements, letters, or phone calls regarding this balance prior to the credit reporting. This failure to provide notice appears to be a violation of the Fair Debt Collection Practices Act ( FDCPA ) 809, which requires debt collectors to provide written notice of a debt and the right to dispute it.

Since learning about this account, I have contacted the company more than 10 times to request that the charges be billed to the insurance coverage I had at the time of service. Each time, I was told this had been done and that the collections account would be removed. Despite these assurances, the account has remained on my credit report. 

Most recently, I called the company approximately 30 days ago and was told the account had been removed from my credit report, but this was never completed. I called again yesterday and was told the same thing that the account was recalled from collections. However, the company refuses to send notification to the collection 's vendor, Lockhart , Morris & Montgomery, to close the account. 

This inaccurate reporting appears to be in violation of the Fair Credit Reporting Act ( FCRA ) 623, which requires furnishers of information to ensure accuracy and promptly correct or delete any information found to be inaccurate or unverifiable. The company has acknowledged to me multiple times that this debt should not be reported, yet it remains on my credit file.

I am requesting that the company : Issue proper notification to the collections agency, Lockhart , Morris & Montgomery, to close the account.

Remove the inaccurate collections account from all credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit
reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I JUST REFRESHED MY CREDIT REPORT ON IDENTITY IQ AND I JUST SAW THAT THIS COMPANY IS REPORTING A COLLECTION FROM XXXX WHICH I EVER HAS, XXXX  IS REPORTING INFORMATION THAT IS NOT ACCURATE AND IT IS VIOLATING MY RIGHTS AS A CONSUMER AND ALSO INSULTING MY CREDIT HEALTH AND MY FINANCIAL RESPONSIBILITIES, I HAVE PLEASED WITH THEM AND ALSO SENT THEM A POLICE REPORT SHOING THAT THESE ACCOUNTS ARE NOT MINE PLEASE HELP ME! 

experian needs to be held accountable for not upholding theor repsonsible duties accodring to the fcra and the fdcpa SEQUIUM ASSET SOLUTION ( Original Creditor : XXXX ) for the amount of {$1200.00}! what the heck is this andwhy do i keep having random things pop up on my credit report which clearly are not mine!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Complaint Summary : My paycheck in the amount of {$2400.00} was deposited into my account in XXXX, but the account was frozen and later closed. The bank refuses to release or refund the funds back to me or my employer. 

Details : The paycheck was issued under the name XXXX XXXX, which is the name I commonly go by. However, my legal name is XXXX XXXX. Because of this name variation, the bank has refused to either ( 1 ) deposit the paycheck to me after seeing my proof or ( 2 ) return/refund the check back to my employers HR department. 

This paycheck has now been withheld for over nine months. During this time, I have followed the banks instructions, including registering a XXXX phone number under XXXX XXXX XXXX thru their systems to verify my account. Despite doing so, the account has still not been unfrozen, and I remain unable to access my paycheck. 

I can provide HR verification, pay stubs, and documents showing that both names refer to me and that these wages rightfully belong to me. Despite my repeated attempts to resolve this, the bank continues to withhold my paycheck without offering any solution. 

This situation has caused me serious financial hardship since I can not access my earned wages for such an extended period of time. It has been nothing short of a nightmare trying to resolve this issue with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
I am writing to dispute inaccurate information on my credit report. Upon reviewing a recent copy of my report, I discovered fraudulent accounts that do not belong to me. These accounts are negatively impacting my credit and my ability to obtain credit. I request that you promptly investigate and remove these fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: CA

Complaint narrative:
I am formally disputing certain collection and charge-off accounts on my credit report as inaccurate, outdated, or unverifiable. Despite submitting disputes and supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I demand a full reinvestigation of these accounts, and any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TX

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 2025-09-25 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: CITIBANK, N.A.
State: MN

Complaint narrative:
I disputed with the credit card companies, they either do not resolve or said I am responsible.

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 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX To Whom It XXXX Concern : I am writing regarding the account XXXX, which you are reporting as a collection item. Under the FDCPA 15.USC.1962, I am requesting a debt Validation of this debt. Please provide complete information of the original creditor, original account number, the date the account was open, the last payment, the amount of the original debt, and itemized statement showing the amount of debt and any additional fees or charges. Also, please provide that you are authorized to collect debt in the state of Texas.

If you are reporting this account to any credit reporting agency, under the Fair Credit Reporting Act 15. USC. 1686, you must provide verification of this debt to those agencies upon request. 

Currently, I dispute the validity of this debt under 15 USC 1962. Please verify this debt in writing and provide all information requested above within 30 days. 
If validation is not provided, I will expect this item to be removed from my credit report and further collection activity to cease. 

sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Debt Management Incorporated
State: FL

Complaint narrative:
XXXX XXXX XXXX is harassing me. They spam call me everyday while I am at work XXXX to XXXX XXXXimes a day. They call me from different numbers. They are not allowed by law to do this. I have attached a call log of what they've done just in the last hour

Company response to consumer: Untimely response
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX {$360.00} was placed on my report violation of my consumer rights 15 us 1692 and I am requesting {$1000.00} for this violation as I do not owe this debt.

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 2025-09-25 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: MS

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$8500.00} XXXX OF XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$25000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-25 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: MN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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