vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
My insurance company cut a check for repairs to my home. Ill take the check to the bank there. My insurance company told me to do at the time find out that the check needed to be indoors by my mortgage company, but my bank had released funds back to my insurance company a month later of {$30000.00} which puts my account in {$30000.00} in a negative on top of it we only supposed to be had {$30000.00} subtracted from our account, which wouldve left a balance of {$2900.00} our bank XXXX had signed a contract with us with open the account that we dont have overdraft. We cant overdraft it if its not there where they let the company overdraft what was not there which left us with a {$28000.00} negative no one called reached out or anything. We found out a month later after trying to pay bills and get the home issues taken care of that account was frozen without our knowledge and put on hold without our knowledge no letter or email was sent out to notify of this process. The person thats over the account just put it in fraudulent and closed our account without contacting us as a customer, the bank manager never contacted us as a customer found out that the teller who took the check supposed to been read all the information that I have given that I have given him before cashing a check he did not do proper procedure, which caused my account to be in a negative

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 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: NH

Complaint narrative:
I received an initial letter from the debt collector American Profit Recovery Inc ( APR ) dated XX/XX/XXXX reference XXXX XXXXXXXX for debts to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  that I do not owe. I mailed to APR on XX/XX/XXXX disputing the debt. 

I received a second mail from APR dated XX/XX/XXXX with three invoices attached for XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. Dates on the invoices are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX was my employer. I did not have any ownership in the business. Both letters were mailed to my residence in XXXX  APR assumed that XXXX XXXX XXXX debts were mine. My employment with the restaurant ended more than five years ago ( XX/XX/XXXX ). Why is APR sending me the restaurant 's invoices from last year assuming the restaurant belonged to me? I feel harassed, bullied, and that my identity is stolen or assumed by APR. I am angry and fearful at the same time that they could wrongly report this debt to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to dispute the validity and accuracy of the debt that you claim I owe to PLUS FINANCE. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request the following : 1. Verification of the debt, including an itemized accounting of the amount claimed.

2. The name and address of the original creditor, along with documentation showing I am legally obligated to pay.

3. Proof that your agency has the authority to collect this debt in my state.

4. A copy of any contract, agreement, or signature that establishes my responsibility. 

Under the FCRA, you are required to conduct a reasonable investigation of this dispute, and if the information can not be verified, it must be removed or corrected from my credit file. Under the FDCPA, you must cease collection efforts until proper validation is provided. 
If you continue to report this disputed debt without providing proper validation, you may be in violation of both the FCRA and the FDCPA. I am documenting this request for my records.

I expect your full compliance with federal law. Please respond in writing within 30 days of receiving this letter. 



Thank you for your cooperation. 



Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CT

Complaint narrative:
A formal dispute under the Fair Credit Reporting Act ( FCRA 1681i, 1681e ( b ) ) regarding the account listed above. Issue Identified : Electric utility collection, updating monthly during dispute ( continued collection activity while disputed ). This reporting is inaccurate, incomplete, and/or misleading. I demand that TransUnion either provide verifiable documentation from the furnisher proving the accuracy of this account, or immediately delete the account from my credit file. Failure to comply will leave me no choice but to escalate with the CFPB, FTC, and pursue legal remedies under FCRA 1681n and 1681o.

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 2025-09-10 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: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
been trying to unlock my report for months i finally got it unlocked but nothing is being reported and no credit score shown. 
i called equifax 3 times i have confirmation numbers and agent names that claim they fixed it and everything is accurate but its showing nothing equifax is not accurately reporting anything on my files and they have not done any investigation i have sent in letters, calls everything for MONTHS photos attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: COMMERCE BANK
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Commerce Bank Legal Department, I am writing to address the unauthorized possession and use of my full legal name and residential address for unsolicited marketing purposes. I have never been a customer of Commerce Bank, nor have I ever provided consent for my personal information to be collected, processed, or used by your organization. 

This conduct appears to violate multiple federal and state laws, as well as well-established common law principles : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n & 1681o You appear to have obtained and used my consumer information without a permissible purpose. Under FCRA, consumers are entitled to statutory damages of {$100.00} {$1000.00} per violation, plus actual and punitive damages.

2. Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016809 Commerce Bank appears to have failed its duty to safeguard nonpublic personal information ( NPI ), and used or disseminated my private data without authorization. These actions breach the GLBAs Privacy and Safeguards Rules.

3. Texas Deceptive Trade Practices Act ( DTPA ), Tex. Bus. & Com. Code 17.46 Using my identity to send me unsolicited marketing constitutes an unauthorized and deceptive commercial practice. Should your conduct be found knowing or intentional, I am entitled to treble ( threefold ) actual damages.

4. Common Law Invasion of Privacy / Misappropriation of Identity * * The unauthorized exploitation of my identity for advertising purposes is a recognized tortentitling me to compensation for emotional distress, and possibly punitive damages. 

Demand : To resolve this matter without litigation, I demand a settlement of {$10000.00} ( XX/XX/XXXX to cover statutory damages, emotional harm, privacy violation, and punitive considerations. 

In addition, to resolve this dispute in good faith, I require : - A detailed written explanation of how you obtained my personal data. 
- Confirmation that all my personal information has been deleted from your systems and will not be retained or reused. 
- Payment of the above sum within 14 calendar days of your receipt of this letter. 

If I do not receive a satisfactory response and settlement within this timeframe, I will escalate through formal complaints to the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), Texas Attorney General, and will consider pursuing civil litigation. 

Please treat this matter with the urgency and seriousness it warrants. 

SincerelyXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
A formal dispute under the Fair Credit Reporting Act ( FCRA 1681i, 1681e ( b ) ) regarding the account listed above. Issue Identified : Duplicate of XXXX  ( double reporting of same debt ) .T his reporting is inaccurate, incomplete, and/or misleading. I demand that XXXX XXXX and XXXX either provide verifiable documentation from the furnisher proving the accuracy of this account, or immediately delete the account from my credit file. Failure to comply will leave me no choice but to escalate with the CFPB, FTC, and pursue legal remedies under FCRA 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Branch Messenger, Inc.
State: NC

Complaint narrative:
Uber Pro Card has twice in last four weeks denied customers access to their accounts and funds. The so called customer service phone is not allowing people to talk to anyone. Also there is no real automated system to move your money on the phone number. This is ridiculous. Uber itself is saying everyone is having problems with the Uber Pro Card app however continually deny any power or way to bring situation to resolution. I only have money on that card. The customers can't seem to get any answers. This is twice now. Today and a few weeks ago. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Important financial details were overlooked in the review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
This complaint is not a mistake. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy and is causing ongoing, serious harm.

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 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX attempted to collect on an auto repossession that took place in XXXX in XXXX. There are no judgments on record in the county of the repossession and the account is closed. They threatened to place a lien on my new car and home in the amount of XXXX and urged me to accept a subpoena for court so that they can pursue collections. This is in violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
The company Nissan Finance repossed my vehicle stating my account was charge off. I was making payments not allways full amount but made payments. I have not recieved a call or mail from the company stating or showing I was behind in payments or in danger of reposseion. I had no knowledge of my account being charged off while car was still in my possession. The custmer service rep told my that it is not mantory for the company to send out letters or call to notify of any thing about your account. I'm just confused on the whole process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I filled out a FTC report regarding identity theft done on my account and I am unable to get a credit card. Ive reached out to XXXX XXXX and XXXX XXXX. The things done to my bank of America account is an accurate and not attached 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 2025-09-10 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: MD

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a letter from TransUnion dated XX/XX/year> stating that a data breach had leaked my Social Security number and DOB. They offer, in the letter, to provide a credit monitoring service called " XXXX ''. I tried many times to sign up for this service with the PIN they offered. It never worked. I called TransUnion, and the pre-recorded message said, " Our operators are currently helping others. Call back later, '' and it hung up. The letter also includes info about a " fraud alert '' that can be placed on the account to warn potential creditors of the situation. Instead of doing this themselves, they ask the data-theft victims to file their own fraud alert -- with them!

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