vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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, my former insurance company attempted to automatically renew my policy and charged my Bank of America checking account in the amount of {$1900.00}. At the time, I only had about {$900.00} in my account, which immediately caused my balance to show negative by almost {$1000.00}. 

As soon as I saw the pending transaction, I called Bank of America to stop the payment. I was told by a representative that the transaction would fall off in a few days, and I would not be liable. To prevent my account from staying negative, I immediately transferred additional money into my account. 

However, a few days later, instead of disappearing as I had been told, the charge posted to my account as a completed transaction. I contacted Bank of America again, disputed the charge, and also requested a new debit card to prevent further unauthorized charges. 

Since then, it has been over a month. During this time, I provided Bank of America with documentation, including a letter from the insurance company confirming that the funds were charged back to me and that they never received the money. Despite this evidence, Bank of America has not resolved the dispute. Each time XXXX contact customer service, I am told to wait longer or that another request will be sent, but no clear resolution or refund has been provided. 

This situation has caused significant financial stress. I have followed all proper steps : I reported the charge immediately, disputed it formally, and even provided proof from the merchant that the funds were not collected. Despite this, Bank of America has withheld my funds for over a month and has not given me any concrete explanation or resolution. 

I am requesting the regulators assistance to XXXX Bank of America to : XXXX. Immediately credit back the {$1900.00} that was wrongfully held, XXXX. Provide a clear explanation of why the dispute has been delayed despite the supporting evidence, and XXXX. Ensure better handling of dispute investigations in the future. 

I believe Bank of America has failed in its responsibility to protect consumers from unauthorized or improper charges, and I am asking for regulatory review and intervention to resolve this matter.

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 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Exto Inc.
State: IA

Complaint narrative:
I opened a credit card with Atlas credit card company thinking it would give me credit score since I don't have one so when you first download the app and get approved for the card it has you verify your email I clicked on the link thinking nothing more about it well the next day I went to check my balance and the account would only let me in for a few seconds then the account would close stating I needed to verify my email it would open for a few seconds then close me out so then I went in it again just to check out what all they offered in the meantime time I transfered some money from my XXXX XXXX  card to this account because my current account doesn't recognize XXXX XXXX and I really thought that if I transfered my money over to Atlas it would raise my credit limit but as I did this I noticed they had a offer that reports your credit on renting to the 3 credit bureaus so I signed up to for the monthly fee that they charge for this offer they have monthly and yearly I go to accept the offer and they took every XXXX  that I had in my account I complained about it to them stating that I wanted to be charged monthly not yearly so they gave me my money plus XXXX more XXXX then as I tried to go back into my account my email wouldn't go through they claimed that it was lost and I needed to submit my social security number or a bank statement I submitted a bank statement my social security number and my email that I opened the account with they told me at first that they could use my social security number and that I needed a full PDF of my bank statement somebody was regularly talking to me via email when I figured out that they were emailing me with the very email that was supposed to be list I threatened them with reporting them all of a sudden they were able to recover my account but after two weeks I'm still not able to access my funds because they refuse to send me the email link I've been without money for two weeks now I need my money and don't understand why they are holding my money with no explanation and why they won't do something that is so simple as sending the verification link but making me suffer without money please help me it's just a small amount of money but it's mine and I don't think that it's right for them to be not letting me access my own money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I am extremely frustrated to see that the inaccurate late payments are still on my credit report this morning, and I can not understand why they remain there. Even after refreshing my browser, nothing was removed. I am demanding that the documents I submitted be carefully reviewed so this problem can finally be resolved without me having to worry 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 2025-08-28 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: NCB Management Services Inc.
State: IL

Complaint narrative:
I am trying to buy a house and these collections are getting me denied. I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). This law gives me the right to have only accurate and verifiable information on my credit report. If information can not be verified, it must be corrected or removed. 

Under the FCRA, the credit reporting agency must : Make sure the information in my credit file is accurate. 
Investigate my dispute within XXXX days. 
Remove or fix anything that is inaccurate, incomplete, or can not be verified. 
Give me the results of the investigation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
I am submitting this follow-up complaint because inaccurate and misleading information continues to remain on my credit file despite my previous dispute. 
According to IRS regulations, when a creditor cancels a debt of {$600.00} or more, they are required to issue Form XXXX to both the consumer and the IRS. No such documentation has been provided to me for the accounts in question, which indicates that the debts have not been formally canceled. Nevertheless, the accounts continue to be reported as charge-offs, without evidence of active collection efforts or proper cancellation. This practice is misleading, incomplete, and damaging to my credit profile.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX NA XXXX 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 2025-08-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. 
Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my XXXX XXXX and ability to obtain favorable credit terms.

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> Via Certified Mail, Return Receipt Requested Jefferson Capital Systems , LLC XXXX XXXX XXXX. 
XXXX. Cloud, MN XXXX XXXX Funding, XXXX XXXX. XXXX XXXX XXXX, SC XXXX RE : Cease and Desist All Communication, Account [ Insert Account No. ] To Whom It May Concern : Heres the deal : under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), Im formally commanding you to immediately stop contacting me about the alleged debt associated with the account referenced above. 

This means you must cease all forms of communicationphone calls, letters, texts, emails, smoke signalsunless youre informing me that : 1. youre ceasing collection altogether, 2. or youre legally filing against me. 

Anything else? XXXX XXXX XXXX ready to report and litigate. 

If you keep harassing me, expect a formal FDCPA complaintand I dont just mean heat from the CFPB or Attorney General. You could be on the hook for actual damages, statutory penalties ( up to {$1000.00} per violation ), plus attorney fees and court costs. 

If youre basing this collection on a debt thats past the statute of limitations, youre begging for trouble. Send me valid verification, or shut upand that demand includes telling me the original creditor, the amount, date of last activity, and proof you own it. 

I expect XXXX contact going forward, unless its legally required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: Experian Information Solutions Inc.
State: TX

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
Consumer complaint received 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , 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 compliant. This fraudulent, inaccurate, and false information consist of a personal credit report. These accounts have resulted in several fradulent hard inquiries and fraudulent appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. These fraudulent accounts consist hard inquires XXXX XXXX XXXX 2025 XXXXXXXX XXXX XXXX XXXX XXXX XXXX 2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I do not recognize the aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the 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 2025-08-28 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:
Dear Equifax Information Services LLC, I am disputing the following account listed on my Equifax credit report : - Creditor : Self Financial ( Secured Loan ) - Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} ( Closed/Paid ) - Date Opened : XX/XX/XXXX This account contains inaccurate and inconsistent reporting, specifically : - The remarks field shows Closed or paid account/zero balance secured, which is ambiguous and does not clearly state the status. 
- Payment status is XXXX, which contradicts the fact that the account is marked as closed. 
- Under the FCRA, all data furnished must be * * accurate, complete, and not misleading * *. 

Because of these discrepancies, I am requesting an immediate reinvestigation. If Equifax can not verify this account with full documentation from the furnisher, it must be * * corrected or deleted * * from my file. 

Please send me written results of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN Last XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

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 explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally request the blocking of fraudulent hard inquiries that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation. 
The following fraudulent account and inquiries were initiated without my knowledge or authorization. 
The fraudulent inquiries are XXXX XXXX, XXXX XXXX. 
As required by law, I am including the following documentation : XXXX. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) XXXX. A copy of my government-issued ID and SSN. 
XXXX. Proof of my current address. 
All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required. 
Please be advised that I am not working with any XXXX  party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly. 
This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent hard inquiries be blocked from my file in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX LVNV Funding LLC Re : Request for Debt Validation Account No : XXXX Dear LVNV Funding LLC, I am responding to your claim regarding an alleged debt. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide validation of this debt.

Please provide the following : 1. The amount of the alleged debt, including an itemized breakdown of fees, interest, and other charges.

2. The name and address of the original creditor.

3. Proof that I am legally obligated to pay the debt, such as a copy of the original signed agreement. 4. Verification that you are licensed to collect debts in my state, including your license number.

5. Documentation showing that you have been assigned or purchased the debt and are legally entitled to collect it. 
Be advised that until you provide this information, you must cease all collection activities and communication regarding this account, except to provide the requested validation. 
If you fail to provide proper documentation, or if you continue collection activity without validation, you will be in violation of the FDCPA, and I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per XXXX. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX sold my debt to this company which is wrong cause I never owed or had car insurance during that time with them, also they didnt even contact me regarding any outstanding debt because I never owed any, they never communicated this to me just pops up wrongly on my credit and people calling me telling me the wrong information thats false and inaccurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
XXXX years ago I completed public service loan Forgiveness. My loans were XXXX timely. However, I was required to make XXXX extra payments during the process. Approximately over XXXX XXXX dollars total should be refunded. I contacted federal student aid .gov, whom confirmed this information.I am attaching a copy of their reply below. To date, I have received no information from mohela and am currently unable to log in to their server because my loans have been XXXX. I have never received anything from mohela regarding refund or status. Refunds are supposed to be handled within XXXX days.It 's been XXXX years. 

XXXX case # XXXX XX/XX/XXXX Dear XXXX XXXX XXXX, Thank you for contacting the XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
We have received your inquiry regarding the XXXX XXXX XXXX XXXX that is currently being serviced by MOHELA. 

Your concern, as we understand it, is that your loans had been XXXX through XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX, and you have not been refunded for the overpayment on your account. 

Regarding your concerns, MOHELA has reviewed your account, and it has been determined that, there was a credit balance of {$400.00} on your account when your loans were XXXX. A request has been submitted to have the credit balance reviewed so that a refund XXXX be issued. Please accept our sincere apologies for any inconvenience this delay XXXX have caused. 

Please contact your servicer for further assistance. 

Thank you for your feedback. 
Sincerely, Federal Student Aid Thank you in advance

Company response to consumer: Untimely response