vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Dear CFPB, I am writing to file a complaint regarding an invalid credit report I received. It appears that my personal information has been shared without my consent, potentially violating privacy protections under the United States Code ( USC ). I believe this unauthorized sharing has resulted in discrepancies on my credit report and is affecting my financial standing.

I would appreciate your prompt investigation into this matter and request that my credit report be corrected accordingly. Please advise me on the next steps to take in resolving this issue.

Account Number : XXXX Thank you for your attention to this urgent matter. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: NC

Complaint narrative:
This company violated FDCPA by reporting unverified debt. I didnt sign an agreement, and no validation was provided. Please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Iam filing a complaint against Bank of America regarding their handling of unauthorized transactions on my credit card account. 

On XX/XX/year>, I mailed a replacement credit card to one of the authorized users on my account, who resides in XXXX. Unfortunately, she never received the card, and it appears that the card was stolen in transit. Shortly afterward, several unauthorized purchases were made using that card at locations in XXXX : XX/XX/year> XXXX XXXX # XXXX, XXXXXXXX XXXX {$340.00} XX/XX/year> XXXX XXXX # XXXX, XXXX, XXXX {$330.00} XX/XX/year> XXXX XXXX XXXX, XXXXXXXX XXXX  {$41.00} I promptly reported the fraudulent transactions to Bank of America and filed a fraud claim, which was denied. I then appealed the decision, but the appeal was also denied. I am including copies of all related correspondence with the bank for your review. 

Additionally, I filed a police report for the stolen card with XXXX XXXX Police Department, XXXX, where I currently reside. The police report number is XXXX. 

I have been a Bank of America customer for over 19 years, and this is the first time I have ever experienced such an issue. I am requesting CFPBs assistance in reviewing this matter and ensuring that Bank of America properly investigates and resolves this case of mail theft and unauthorized use of my account. 

Thank you for your time and attention.

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 2025-10-27 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: TN

Complaint narrative:
XX/XX/year> The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following personal information is incorrect - Please delete this from my credit report.Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following personal information is incorrect - Please delete this from my credit report.EMPLOYER - XXXX XXXX XXXX XXXX The following personal information is incorrect - Please delete this from my credit report.EMPLOYER - XXXX - The following personal information is incorrect - Please delete this from my credit report. 


Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-27 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am submitting this complaint regarding XXXX accounts on my credit report that are inaccurately showing late payments. According to TransUnions records, both accounts have multiple late payments reported, which is completely false. All of these payments were made on time, yet the inaccurate information continues to appear on my report, unfairly damaging my credit standing and reputation.

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 2025-10-28 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: MO

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
4 representatives has been contact in regards the situation. I received for months an offer to waive the {$95.00} for the first year, but they did not keep the offer and want me to pay the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
This complaint is submitted on behalf of XXXX XXXX ( XXXX XXXX XXXX, XXXX, NY XXXX ; XXXX XX/XX/XXXX ; XXXX last XXXX : XXXX ) by his authorized representative, XXXX XXXX XXXX XXXX XXXX, through XXXX XXXX. 

XXXX XXXX disputes inaccurate information reported by Ford Motor Credit Company , LLC ( XXXX XXXX XXXX, XXXX, XXXX XXXX ) regarding account XXXX XXXX. His credit report from XXXX dated XX/XX/XXXX shows the remark Dispute resolved ; customer disagrees., which he asserts is inaccurate and unverifiable. 

On XX/XX/XXXX, he requested verification and correction of the data under the FCRA and FCBA, but has not received a satisfactory response. The consumer seeks CFPBs assistance to ensure Ford Motor Credit properly investigates, verifies, or removes any inaccurate or unverifiable information, and updates all credit bureaus accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I had been a cardmember with Barclays for over 12 years and never missed a single payment. My card was paid on time every single month and in full. 

On XX/XX/XXXX, I was charged an annual fee of {$190.00} on my Aadvantage Aviator Silver Mastercard. 

This annual fee of XXXX was charged to cover the following 12 month time period of XX/XX/XXXX - XX/XX/XXXX. 

On XX/XX/XXXX, Barclays decided to close my card ( for no legitimate reason ). 

Considering my card was closed ( By barclays ) within 30 days of when the annual fee was charged, I should have received a full refund. 

On XX/XX/XXXX I called Barclays and spoke with XXXX. I explained this to her and was told she would have to send this to another department to resolve. 

Naturally I never heard back from anyone and never received a refund of my annual fee

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 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I am filing this complaint because American Credit Acceptance misapplied my second loan payment, which I made on XX/XX/year>, and explicitly stated was to go toward the principal balance. 
Instead, the company applied it to interest, even though I was previously told by their customer service representative that my account was current and nothing further was owed. When the vehicle became a total loss, the loss officer confirmed that the way the payment was handled should not have happened. 
I also made a payment on XX/XX/XXXX, which was confirmed as the amount needed to bring the account current. I informed the company of my medical hardship and provided documentation, but they refused any accommodation. 
On top of this, they reported negative or inaccurate information to credit bureaus despite me acting in good faith. I first reported this issue in XX/XX/year>, but no resolution was provided. 
I believe this may violate the Truth in Lending Act, Fair Credit Reporting Act, and Equal Credit Opportunity Act. I request that the CFPB investigate this matter and compel the company to : Correct how my payments were applied, Remove inaccurate credit reporting, Provide a full accounting and written explanation, and Cease further harm to my credit and finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attacheddocuments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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:
In accordance with the Fair Credit Reporting Act convergent account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 15 U.S.C. 1681 section 602 A. States that I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: WV

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX  XXXX TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, LLC ( 2d Cir. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture v. Kirtz ( XXXX XXXX ) held no entity is immune from FCRA liability ; and Norman v. TransUnion, LLC ( E.D. Pa. XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: PA

Complaint narrative:
This is a follow-up complaint regarding [ XXXX XXXX XXXX  / TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in Sessa v. TransUnion ( XXXX ), Kirtz ( XXXX ), and Norman v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF - TU XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief