vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Jefferson, Capitol LL ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to you in response to a communication, dated [ Date of Collector 's Communication ], concerning an alleged debt you are attempting to collect. This is not a refusal to pay, but a demand for validation made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). I am formally disputing this debt. 
Until you provide the requested verification, you must cease all collection activity and communications with me. 
Please provide the following competent evidence to validate your claim and my alleged obligation to pay : The name and address of the original creditor. 
The specific amount of the alleged debt and an itemized breakdown showing how it was calculated ( principal, interest, fees, etc. ). 
A copy of the original signed contract or other instrument that bears my signature and proves I agreed to pay the original creditor. 
Documentation that demonstrates your company has the legal right and authority to collect this debt. 
The date the debt became delinquent and verification that the debt is within the statute of limitations. 
The last payment date on this account, if applicable. 
If you have already reported this account to any credit reporting agency ( such as Equifax, Experian, or TransUnion ), you must immediately inform them that the debt is disputed. 
If you fail to respond to this validation request within 30 days of receiving this letter, it will be assumed that you can not validate the debt and all references to it must be removed from my credit file. 
Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I fell asleep with my phone in my hand and XXXX XXXX took my phone sent herself {$60.00} dollars all without my knowledge or consent. As soon as I saw it I called my bank, I called cash app and I filed a police report. This is not the first time cash app has done absolutely nothing to help me, Ive had unauthorized transactions before and they havent done anything to help. Im so incredibly frustrated because the report says the payment was made by a phone in my possession even after I explain ( very slowly ) that she took my phone out of my hand and sent the payment. So not only is their report wrong its lazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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:
This is a formal follow-up regarding my previous disputes concerning the fraudulent accounts appearing on my credit report. I did not authorize these accounts, and their continued reporting constitutes a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Despite months of disputes and the submission of supporting documentation, including my FTC Identity Theft Report, these false and inaccurate entries remain on my report. The FCRA requires that consumer reporting agencies ensure maximum possible accuracy. Your failure to remove these fraudulent accounts after receiving proper notice and documentation raises serious compliance concerns. 
I demand immediate corrective action to permanently delete these accounts from my credit file without further delay. If these accounts are not removed promptly, I will have no choice but to escalate this matter, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all other remedies available under the law. 
This is your final opportunity to comply before further action is taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Here 's a polished and professional version of your dispute letter : -- - Subject : Dispute of Midland Credit Management Collection Unverified Reporting Dear XXXX  and XXXX, I am disputing the collection account reported by Midland Credit Management. I have received multiple calls regarding this account, but I am unable to obtain any information due to uncooperative representatives. 

Midland has failed to provide proof of ownership or original creditor documentation, which violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 3 ). Additionally, under FCRA 611 ( a ) and 1681i ( a ) ( 5 ) ( A ), unverifiable collections must be removed from my credit reports with XXXX XXXX, and XXXX. 

I request a prompt investigation and the deletion of this account if verification can not be provided. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am submitting this complaint to request a credit freeze ( security freeze ) with all three major credit reporting agencies. 
I want to prevent any unauthorized access to my credit file and protect myself from potential identity theft or fraudulent activity. 

Despite my attempts to contact the credit reporting agencies, I have encountered obstacles and have not been able to successfully initiate a credit freeze. 
I am concerned that without this freeze, my personal credit information remains vulnerable to misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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 a victim XXXX XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-18 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: Rent Recovery Solutions
State: TX

Complaint narrative:
Rent Recovery Solutions Inc / XXXX at XXXX XXXX This collection agency has a history of utilizing the smear tactics to sabotage and smear consumer credit files. This practice of forceful collection tactic is both damaging to consumer credit file and is a violation of the Fair Credit Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Department of Education XXXX Nelnet XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : Multiple Accounts Ending in XXXX Notice of Dispute Under FCRA To Whom It May Concern : This letter is to dispute the multiple late payment notations reported across student loan accounts currently serviced or originated by Nelnet. This is a direct dispute under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and Regulation V 1022.42.

My credit file contains numerous accounts reflecting five or more late payments each, ranging from 90 to 180 days. I dispute these entries for the following reasons : The reported delinquencies are not consistent with my records and may be inaccurate or unverifiable. 

I request that these accounts be updated to reflect current/never late status, or if unverifiable, that all negative entries be removed. 

You are legally required to conduct a reasonable investigation and correct or delete any unverifiable or inaccurate information. 

Please confirm the outcome of your investigation in writing. 


XXXX XXXX XXXX : XXXX DOB : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX, I purchased a round-trip ticket from XXXX to XXXX through American Express Travel for {$1500.00}. The ticket was issued as # XXXX. 
On XX/XX/XXXX, the ticket was canceled without warning by XXXX XXXX after a chargeback initiated by American Express. XXXX XXXX informed me that the funds were refunded to my account. However, I never received this refund. 
I filed a complaint with American Express Travel on XX/XX/XXXX ( Dispute XXXX, XXXX XXXX XXXX ). Despite this, Amex Travel did not engage with XXXX XXXX until XX/XX/XXXX, after the ticket was already canceled. 
I have repeatedly contacted both American Express Travel and American Express Card Services. Each division is refusing responsibility : Amex Cards states they can not process a dispute because the merchant listed on my statement is XXXX XXXX. 
Amex Travel acknowledges the complaint and that I need to be refunded but has delayed and mishandled the process, leaving me with no refund ( waiting for XXXX XXXX ) As a consumer, I am stuck in a dispute between two related entities ( Amex Travel and XXXX XXXX ), while Amex Cards refuses to provide chargeback protections. This leaves me out of pocket for {$1500.00}, plus considerable time and inconvenience. 

Desired Resolution A full refund of {$1500.00} for the canceled ticket. 
Additional compensation for time lost and mishandling ( {$2000.00} ) consistent with my demand letter already sent to American Express Travel. 
Assurance that Amex Travel will not delay or mishandle future complaints.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-18 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: IL

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 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2025, I changed the password on my Bank of America credit card account. Immediately afterward I was unable to log in, and when I tried to reset my password I was notified that I was restricted from having on-line access. 

I called Bank of America multiple times. I was told their system shows I have no tokens on my account, so they could not send a text message authentication code. I was instructed to go to a branch for in-person authentication. I visited the branch and the banker authenticated me yet ny account access remained restricted. I called again and was told to go back to the branch. I did and was authenticatd again but still unable to gain access to my own account. Despite this, I remained locked out. 

I spoke with supervisors and the fraud department, but no one could resolve the suspension. I was told the only option might be to close my account and in order to do this I had to go back to the branch. I asked if they could reissue the card, but was told the suspension is unrelated to the card and is tied to my overall Bank of America access. 

I have held this account for over 30 years and pay my bill in full each month. My XXXX XXXX is over XXXX. I have now been without online or mobile access for over a week, leaving me unable to manage, view charges or pay my account electronically. When I explained I needed to pay my bill I was told the only way to do it was to bring in a cashiers check. Thankfully, I did my own research and was able to pay by a voice call to their XXXX number. No one was willing to assist me to pay my bill. I only hope the payment went through but I have no way of knowing unless I go back to the branch or call again which means going between XXXX to the branch or waiting on hold for XXXX mins. 

Impact : I can not log in, make payments, or monitor my account online or via the mobile app. 

I have been authenticated in person with two forms of ID twice, yet Bank of Americas system still shows I am suspended. 

Customer service has not provided a clear explanation or resolution, despite hours of calls and branch visits. They have stated they do not know why I have been suspended.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX Inaccurate Auto Loan Reporting : I dispute the XXXX  account. XXXX is furnishing conflicting balances and delinquency dates across bureaus, violating FC

RA 607 ( b ). Without signed contracts and payment records, this account must be deleted per 611 ( a ). Subject : Inaccurate Capital One Account Reporting Across All Bureaus I am disputing the Capital One account ] appearing on my XXXX XXXX XXXX XXXX reports. Capital One is reporting inconsistent dates of first delinquency and balances across the three bureaus, violating FCRA 607 ( b ). Under FCRA 611 ( a ), I have the right to verification. Capital One has failed to provide a signed agreement or complete payment history. Per 15 USC 1681i ( a ) ( 5 ) ( A ), unverifiable information must be deleted. Please remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IN

Complaint narrative:
My funds were released from the school on the XXXX, released to them on the XXXX. XX/XX/year> XXXX funds were from a federal grant through ACH. After calling all day on the XXXX, chime released my funds at XXXX XX/XX/year>. they had been had my funds, as I was calling to check they refused to give me more information, told me to wait, because they havent received, than another told me they did receive it and it was being verified, I called stride bank and they dont need any verification, I called ACH they said only chime could call and to have chime call. Chime said they can not call any other bank institutions. Chime has been lying about their policy, lying about having my funds, lying and putting notes in the system that are not true in regards to the conversations over the phone and what was being said, telling others to hang up the phone for security purposes, not escalating my issues, disrespecting and hanging up the phone as Im requesting them to call ACH another bank provider that they are aware can only speak to bank associated individuals. Telling me to wait. Thats not what the consumer arbitration approves of either. They have caused me emotional distress. To cause a quarrel they would ask about other things to get me distracted from what I originally was wanting support on making it seem as though Im asking them and saying the same thing over and over, as in I was gon na get the same answer no matter who I talked with, and thats exactly what they did. It put a delay in me paying my bills and getting the basic needs that my child and I need. It caused me financial difficulties

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 List of Unauthorized Inquiries : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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