vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In late XX/XX/year>, I became a victim of a large-scale international impersonation scam, in which individuals pretended to be police officers and government investigators. I was coerced into believing that I was under investigation in XXXX and the United States, and was threatened with arrest if I did not cooperate. Under this pressure, I was instructed to transfer large amounts of money from my Bank of America account. 

On XXXX XXXX XXXX, a total of {$320000.00} USD was transferred out of my Bank of America account through wire transfers.

First transfer : {$190000.00} ( as documented in my IC3 report ) Second transfer : {$130000.00} These transfers were made under intimidation, threats, and fraudulent claims by the scammers.

I have filed multiple official police reports regarding this crime : Police Report Numbers/ Case Numbers : XXXX XXXX Police Cybercrime Report : XXXX XXXX XXXX Police Department Report # : XXXX IC3 Internet Crime Complaint Center Submission ID : XXXX All evidence, including documents, call logs, and screenshots, is available and will be provided upon request. 

After I reported the scam, Bank of America closed my online banking access in XX/XX/year> without giving me any explanation. Because my online banking was shut down, I have been unable to file a normal dispute or fraud claim through the online system, and I can not access any records related to the wire transfers.

I have repeatedly tried to resolve this issue with the bank, but the bank has not provided any meaningful assistance : Attempts to Resolve with Bank of America : I called multiple Bank of America fraud and customer service numbers.

The representatives told me to go to a branch in person.

When I went to a physical branch in XXXX XXXX and in New Jersey, branch staff told me to go home and call the fraud department.

I attempted to email executive relations, but the email addresses bounced back as User Unknown.

I have asked the bank for wire transfer details, investigation status, and whether the receiving bank was contacted. I received no answers.

This has left me completely unable to dispute the fraudulent wire transfers or request any investigation status. The bank continues to redirect me between phone support and branches without giving me any way to submit a formal fraud claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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 contacting you regarding accounts that were neither opened nor authorized by me. Please check the accuracy of the information and remove the accounts from my report. Supporting documents are enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwood Financial, LLC.
State: MI

Complaint narrative:
The debt collection company withdrew more than the amount specified in our written payment agreement. 

We agreed to pay {$1000.00} per month ( {$500.00} on each of two accounts ). Without authorization, they debited {$1500.00} total. This caused financial hardship and almost made me miss rent. I have discussed this with my attorney and they confirmed that these were violations. 

Although they later mailed me a refund check, the unauthorized overcharge still occurred, and I believe this violates the Fair Debt Collection Practices Act ( FDCPA ). I want this incident on record, and I want assurance that this company will not engage in unauthorized debits again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
Southwest Credit Systems is attempting to collect a debt based on unauthorized charges from XXXX. My XXXX service ended on XX/XX/year>, and all balances were paid in full. 

XXXX deleted my online account and stopped sending invoices. Despite no service and no contract in effect, they charged my partners XXXX account for XXXX months. 

Before filing a dispute with XXXX, I tried to resolve it directly with XXXX Their agent responded sarcastically and refused to fix the unauthorized charges. Because of this misconduct, XXXX refunded {$140.00} as unauthorized. XXXX still owes {$240.00}. 

Instead of investigating properly or refunding the remaining unauthorized charges, XXXX referred the disputed amount to collections. This is inaccurate, unverified, and harmful. 

I request CFPB action to : Stop Southwest Credit Systems from collecting or reporting the debt Require XXXX to correct its records Require XXXXXXXX  to refund the remaining unauthorized charges As an unemployed consumer, this wrongful collection threatens my financial stability

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
I am a victim of identity theft. This account does not belong to me. This account was opened fraudulently, without my consent. This account needs to be removed immediately as this is clear 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 non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am reaching out to request the removal of collections associated with my account, as they are linked to identity theft. 

I have filed two police reports : 1. Report Number : XXXX ( related to items stolen from my home ). 
2. Report Number : XXXX ( indicating that I am a victim of identity theft ). 

The collections do not belong to me, and I would like them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXX XXXX -VERIFIED AS XXXX REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX  XXXX Bankruptcy Court XXXX XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
I have no relation to these accounts ; they must be eliminated within 15 days by USC 1681g.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: VA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: VA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I purchased a XXXX XXXX XXXX ( VIN : XXXX ) from XXXX in XX/XX/XXXX. XXXX represented the vehicle as having approximately XXXX miles, and this mileage was included in the XXXX purchase contract and the XXXX odometer disclosure. 

I recently attempted to trade in the vehicle, and the dealership informed me that the vehicle shows a confirmed odometer rollback that occurred in XX/XX/XXXX, XXXX months before XXXX sold it to me. Independent vehicle history reports, including XXXX and XXXX data, show that the mileage was rolled back prior to XXXX acquiring and selling the vehicle. 

XXXX never disclosed any mileage discrepancy. I relied on the mileage they provided when signing the retail installment contract. 

When I discovered the rollback, I contacted XXXX and Bridgecrest ( the lender ) multiple times. Neither XXXX nor Bridgecrest investigated or provided assistance. Because the loan amount was based on incorrect mileage and the value of the car was significantly lower than represented, I stopped paying while requesting an investigation. The vehicle was later repossessed by Bridgecrest and reported on my credit, causing severe financial damage. 

Laws potentially violated : Federal Odometer Act ( 49 U.S.C. 32710 ) Illinois Consumer Fraud and Deceptive Business Practices Act Sale of a vehicle with materially inaccurate mileage Failure to investigate a legitimate fraud complaint What I am requesting : Removal of the repossession from my credit reports Correction of all inaccurate loan information Compensation or settlement for being sold a vehicle with incorrect mileage A full investigation into the odometer rollback prior to sale Correction of my account and financial harm caused by this issue I have documentation including : XXXX purchase contract Odometer disclosure XXXX  report showing rollback in XX/XX/XXXX My communication attempts with XXXX and Bridgecrest I am requesting assistance because XXXX will not respond to email inquiries, and many of their published executive/legal email inboxes are no longer active. I need help obtaining a proper investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I contacted the company to cancel my service due to moving out of state. I was told the account would be canceled. Despite this, the company continued to charge my card every month still to date, even though I have not used or received any services during that time.

I attempted to resolve this multiple times. I spoke with staff and was told the manager who was originally responsible for canceling my account no longer works there, and they have no record of the cancellation request. They still have not canceled my account and have continued billing me without authorization.

I am requesting a full refund for the months billed after my cancellation request and for the company to close the account immediately, as I have not received services since relocating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am extremely stressed to see that these inaccurate accounts are still appearing on my credit report, and they have not been taken off at all. I am begging for the documents I attached to be checked carefully so I can finally stop living in fear of this issue coming back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I am filing this complaint because Equifax continues reporting several accounts inaccurately even after prior disputes. The information below is either unverifiable, duplicated, incomplete, or outdated. 

Charged-Off Accounts in Dispute XXXX  Acct : XXXX Opened XX/XX/XXXX Balance {$1800.00} XXXX  Acct : XXXX Opened XX/XX/XXXX Balance {$1600.00} XXXX  Acct : XXXX Opened XX/XX/XXXX Balance {$1300.00} XXXX  Acct : XXXX Opened XX/XX/XXXX Balance {$180.00} XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX Balance {$360.00} Issues : Some accounts appear duplicated across furnishers. 

Some include incorrect status or opening dates. 

The bureau has not provided supporting documentation upon dispute. 

I am unable to verify ownership or accuracy. 

Late Payment Reporting XXXX Acct : XXXX Late payments are being reported inaccurately without proper verification. 

Request I am asking Equifax to : Reinvestigate and correct/delete entries per FCRA 611. 

Provide documentation validating each account. 

Remove any account that can not be fully verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I urgently request the deletion of these unauthorized accounts from my credit report, as I did not open them and was unaware of their existence. In compliance with USC 1681g, please remove them within 15 days. Attached are the required supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I am not linked to these accounts, and they need to be removed within 15 days following USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: VA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
I am filing this complaint because TransUnion is reporting items that are either inaccurate or remain unverified after previous disputes. 

Charged-Off Accounts in Dispute XXXX XXXX  Acct : XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Acct : XXXX Opened XX/XX/XXXX Balance {$190.00} XXXX Acct : XXXX Opened XX/XX/XXXX Balance {$5700.00} These accounts show inconsistent dates or statuses compared to other bureaus and have not been properly validated. 

Hard Inquiries in Dispute XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries appear unauthorized and unverifiable. 

Late Payment Reporting XXXX XXXX Acct : XXXX This late payment reporting is inaccurate and remains unvalidated. 

Request I am asking TransUnion to : Reinvestigate these items under FCRA 611.

Provide documentation supporting all negative entries. 

Remove any unverifiable accounts or unauthorized inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief