vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: Atlanticus Services Corporation
State: MI

Complaint narrative:
Credit Company : XXXX  XXXX paid on XXXX-2025 final payment of XXXX paid on XX/XX/year>2025 and account was closed. My XXXX  credit just reversed the late payment after I provided those details. 
XX/XX/scrub>/2025 - Dinged with a late payment in XXXX on my credit report from XXXX when it was reversed in early XXXX. The account is paid in full and closed. How am I getting a late payment now from XXXX again?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: IL

Complaint narrative:
" I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am writing to formally dispute and demand resolution of an unauthorized electronic transfer of funds that occurred in XX/XX/year>2025. Bank of America initiated an unauthorized transfer totaling {$22000.00} from my account. To date, only {$1000.00} has been returned, leaving {$20000.00} still missing. 

Bank of America has directed me to dispute the transaction with the receiving merchant. However, this is not possible for the following reasons : Lack of Information : The bank has not provided sufficient details to identify or locate the unauthorized transaction with the receiving merchant.

No Standing with Merchant : I am not an authorized agent or account holder on the receiving account. Therefore, I can not dispute or recover the funds directly with the merchant.

Bank Responsibility : Under applicable federal banking and consumer protection regulations, an unauthorized transfer of this nature requires a full Bank-to-Merchant internal investigation. It is the banks duty not the customers to investigate and resolve such matters. 

I have already filed a police report with the XXXX XXXX XXXX Case # XXXX. The matter is under investigation by XXXX XXXX ( XXXX ). 

In addition, I have made repeated attempts to contact the Bank of America Fraud Department at XXXX. The automated system states that the menu options have changed and does not list Option 5 as available. However, if Option 5 is pressed during the recording, the transfer does not occur. Only after the system finishes reading all options will it accept Option 5 and then connect the caller to the ACH Fraud Department. This confusing and misleading system creates unnecessary barriers to resolving fraud-related matters.

I request that Bank of America immediately conduct a thorough internal investigation, provide written documentation of the findings, and return the remaining {$20000.00} to my account without further delay.

Please treat this as a formal complaint under Regulation E of the Electronic Fund Transfer Act.

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MA

Complaint narrative:
Received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX about a debt that Crown Assest Management, LLC was trying to collect. The original loan was from XXXX. I sent a certified letter that was delivered to them on XX/XX/XXXX. I requested validation such as : Purchase agreement, agreement bearing my signature stating that I have agreed to assume the debt, valid copies of debt agreement stating the amount of debt and interest charges, complete payment history on this account along with an accounting of all additional charges being assessed, proof that they were licensed to collect in the state of Massachusetts, and their license numbers and Registered Agent. 

On XX/XX/XXXX I received a " Bill of Sale '' and Account documents ( privacy notice, bill of sale, assignment of accounts, and certificate of loan sale by original creditor which do not have my name or any specifics regarding the specifics regarding the money amount they are trying to collect ( no payments made or original loan, no prior statements ). They failed to provide me with contract of sale that mentions my debt specifically and other items I requested under the FDCPA ( 15 USC 1692g Sec. 809 ( b ) ). Also, the documents that were mailed to me were such a small font and condensed that I struggled to read it. 

I then received a summons for small claims trial issued on XX/XX/XXXX from Crown Asset Management , LLC. They never provided me proof that the balance they were trying to collect was even valid, or the right amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: OH

Complaint narrative:
TRANS UNION, EXPERIAN AND EQUIFAX CIAIMED TO HAVE BEEN FURNISHED BY THE BANKRUPTCY COURT OF OHIO I WHOULD KIE FOR THEM TO LET ME KNOW HOW THEY GOT THIS INFORMATION OUT SIDE A THIRD PARTY WITH MY SOCIAL SERCURITY NUMBERTHIS IS A VIOLATION 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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I had a credit card with chase bank. There were charges made by who I can only assume was my ex. They were charges for golf and for smoking. I do not smoke. I do not play golf. I did not authorize him to use the card. These charges were made without my consent. We went through the charges line by line. This happened 7 years ago and they are still asking me to pay. They are constantly sending me notices to pay differing amounts. These are not my charges and I will not pay them. No proof has been shown that I made these charges. My credit score and how much I pay for insurance has been affected. These charges need to be erased and I need to be compensated for the damage done to my credit and for the higher insurance rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shepherd Outsourcing, LLC
State: TX

Complaint narrative:
XXXX XXXX claims I opened a electric account at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX using my social security number and a name I had legally changed in XXXX. I have never lived at this address nor had contact with this power company prior to the identity theft. I have been contacted by Shepherd Outsourcing and XXXX XXXX to resolve this debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains the following accounts that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency : XXXXXXXX XXXX XXXXXXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

LEGAL VIOLATIONS : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumers credit file may only contain information obtained for a permissible purpose, which generally requires the consumers express consent. The inclusion of these accounts and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), when a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed information, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report Number : XXXX ), which clearly identifies the disputed items. Despite this, Equifax continues to report these accounts and the related inquiries, causing me ongoing harm. 

Equifax has also failed to meet its obligations under FCRA 1681e ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumers file. The lack of verifiable documentation from the furnisher or from Equifax demonstrates that this legal standard has not been met. 

As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities. Specifically : I have been denied legitimate credit applications due to these unauthorized accounts. 

When approved for credit, I am forced to pay significantly higher interest rates. 

I was recently denied rental housing because of this negative information. 

My insurance premiums are higher due to credit-based pricing. 

This has caused ongoing financial XXXX, XXXX XXXX and embarrassment. It has also forced me to waste significant time and resources correcting an error that should never have occurred if federal law had been properly followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
About a year ago I tried to apply for consignor loan for my son, however it needed to go through Experian so when I entered my social security number into Experian system it kept saying that it couldn't verify my identity and it explained to me that I would need to upload the my identity verification and a bill. So when I tried to upload the information it kept denying it. So eventually I sent to Experian a letter by certified mail a copy of my AZ state identification card and a copy of my XXXX bill. According to the certified letter they received my letter, however they never sent me anything in the mail acknowledging that they received my information. Since then I've tried to look up my credit report and I still keep getting the same message from Experian that they can't identify who I am. It's very frustrating because I can't get into the system at all. And I'm pretty sure the information that they have for my name is inaccurate spelling of either my name, or date of birth, I'm not exactly sure but since the information is incorrect I can't do anything in line when it comes to applying for credit or simply using the online system.

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 2025-08-27 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: MI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Stellantis Financial Services US Corp.
State: MI

Complaint narrative:
I purchased a XXXX XXXX XXXX  ( XXXX XXXX ) from Preferred XXXX XXXX XXXX XXXX of XXXX on XX/XX/XXXX. I recently discovered on XX/XX/XXXX, that the salesman misrepresented the Vehicle stating it was a Military trim package that stood for Remember Everyone XXXX. This influenced my decision on purchasing it heavily due to me being a XXXX XXXX XXXX. However, the XXXX XXXX is for the XXXX XXXX XXXX to XXXX XXXX, and a percent of all sales of this trim package goes to this foundation. I wouldnt have knowingly supported had I known the truth. ( I have video evidence of the misrepresentation ). The salesman also gave me a cash loan of {$500.00} for the down payment which I still have the receipt from when I repaid him. This is in violation of Michigan Law under MCL - Section 451.429 ( c ). Despite all of the evidence I provided to the General Manager of the dealership, he undermined my credibility, told me that the misrepresentation wasnt on purpose and was combative as well as refusing to even acknowledge any wrong doing. My vehicle was repossessed and sent to auction on XX/XX/XXXX. This not only destroyed my credit, but my mothers as well as she was on the loan with me. I have filed a complaint with XXXX, Stellantis Financial Services, and Michigan Secretary of State as well, with no resolution. I will gladly provide the video evidence, it would not allow me to attach it to my complaint due to file size.

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 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
In XX/XX/XXXX, I opened an auto lease account with XXXX XXXX XXXX XXXX XXXXXXXX. The account was eventually charged off, with a reported balance of {$7500.00}. I believe this was in error. I was making payments, and the account was later incorrectly reported as past due. The account status shows it as charged off and past due as of XX/XX/XXXX. I have attempted to resolve this with the company but have not received a satisfactory response. I am requesting that this account be reviewed and corrected as appropriate. 
Account opened : XX/XX/XXXX Charged off amount : {$7500.00} Last reported past due : XX/XX/XXXX I have contacted XXXX XXXX XXXX XXXX XXXXXXXX to dispute or clarify the status of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: IL

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XX/XX/XXXX, my husband, XXXX XXXX ( now deceased, date of death XX/XX/XXXX ), opened credit card accounts in my name without my knowledge or consent. He did this online using my personal information. 
Specifically : Capital One Quicksilver Card Balance of {$15000.00} XXXX XXXX XXXX Credit Card XXXX ending in XXXX, Expiration XX/XX/XXXX, Security Code XXXX, with a balance of {$16000.00} I never authorized, applied for, or used these accounts. I was unaware they existed until after his passing. 
After discovering these accounts in XX/XX/XXXX, I immediately : Contacted Capital One and XXXX by phone and in writing to dispute the debts as fraudulent. 
Sent multiple certified copies of XXXX XXXX death certificate, my marriage certificate, and my government-issued ID. 
Provided Capital One with court information showing his will is not in probate. 
Filed written disputes, clearly stating I did not open or use these accounts. 
Despite my actions, Capital One continues to pursue me for the {$15000.00} debt, and XXXX continues to report a {$16000.00} debt in my name, harming my credit. Both companies have failed to remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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