vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are errors in my credit file, specifically false addresses that are being reported under my name. To assist with the correction, I have attached documentation confirming my true and current information. I am insisting that these incorrect addresses be removed right away so my credit report is accurate and not misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am filing this complaint regarding Bank of Americas denial of my three debit card fraud disputes ( Claim IDs XXXX, XXXX, and XXXX ). 

The disputed transactions occurred on XX/XX/year>, after I had sold my XXXX XXXX XXXX XXXXXXXX on XX/XX/year> via XXXX ( Order ID XXXX, buyer XXXX XXXX ). The device was no longer in my possession or control at the time of the disputed transactions. 

My Bank of America debit card remained stored in the devices XXXX XXXX without my knowledge. After the sale, the buyer used the XXXX XXXX token linked to my debit card to make unauthorized purchases totaling over {$5000.00}. I did not authorize or benefit from these transactions in any way. 

I opened three separate fraud disputes immediately after noticing the charges. Each claim was denied by the bank with the explanation that the transactions were made by the cardholder, despite clear evidence that the device had been sold a month prior. 

I submitted written appeals for all three claims, along with proof of sale ( XXXX transaction details showing payment and payout dates ). I specifically requested that the bank verify whether the XXXX XXXX token was active on my account at the time of the transactions. 

Bank of America again denied all three claims without providing a full explanation or investigation report. No provisional credit was issued within 10 business days, which appears to violate 12 CFR 1005.11 ( c ) of Regulation E.

According to 12 CFR 1005.2 ( m ), these transactions clearly meet the definition of unauthorized electronic fund transfers because they were made by a third party without my authority and without any benefit to me.

I am requesting CFPBs assistance to ensure that Bank of America reopens and properly investigates my disputes in compliance with Regulation E, issues provisional credit as required, and reimburses the unauthorized charges. 

Attached are copies of my claim letters and the XXXX transaction proof showing the device sale prior to the disputed charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IN

Complaint narrative:
Your company still hasn't provided proper verification of the debt. I requested - Authorization Letter - Assignment Letter Account Name : XXXX XXXX, Account Number : XXXX To show proof you are authorized to collect on behalf of XXXX XXXX. 

Also, your agency added on another 8 %, with NOTHING to prove where that came from. According to Indiana law that only applies to JUDGEMENTS, PROMISSORY NOTES OR LOAN CONTRACTS. No where in the renters agreement does it explain that or any interest being added on if you're " collecting '' on behalf. Nor does my lease agreement authorize it. Unless I'm XXXX, send me that agreement again HIGHLIGHTING where it shows that. 

Now I'm requesting PROOF you're allowed to add on another 8 % to this unauthorized account as you're in violation of 15 U.S. Code 1692f ( 1 ) - a debt collector may not collect any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. And you've already misrepresented the legal status of the debt, violation of 15 U.S. Code 1692e ( 2 ) ( A ).

So show me exactly where you're authorized to collect interest where the agreement says nothing about interest and you admitted you're just collecting on behalf of XXXX XXXX or delete this account immediately. 

You still haven't provided verification of the debt, the documents you sent in are useless and don't provide much. An assignment letter AND authorization letter properly verifies it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX, my mother and I opened a Truist bank account. My mother was collecting Social Security for me because my father died when I was XXXX. Social Security said after XX/XX/XXXX, when I turned XXXX, I must have an account with my name on it. We were not sure when this took effect so we had both names on a joint account at Truist Bank in XXXX, NC. I knew about the promotion XXXX and asked about it. I was told I should open an account online with the promo code after my XXXX birthday. On XX/XX/XXXX, I opened an account online in time for the promotion and was approved by email from Truist with a promo code. I switched all direct deposits from Social Security into my account, which were required to qualify. I also had to spend a certain amount after opening the account, which I did. In XXXX, I received an email stating I was not eligible for the {$400.00} even though I had already received an email that I was. My mother and I made multiple calls to Truist and even went into the bank. The last XXXX people I spoke with said the {$400.00} would be deposited into my account, but it never was. My mother and I spent a lot of time on calls to Truist. I eventually gave up, but it is wrong. I have attached emails and statements showing all this. I had met all requirements for the promotion. I switched my direct deposit into the account and did the required spending. The {$400.00} has never been given to me, even though I was assured by more than XXXX person it would. Many banks were and still are offering these promotions. I could have gone anywhere els, e but I chose Truist Bank. This was a complete SCAM!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b.

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report XXXX XXXXXXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
Zwicker & Associates, P.C. is attempting to collect a credit card debt originally associated with XXXX XXXX. The account was charged off and closed in XX/XX/XXXX, over a year before XXXX merged into XXXX XXXX, XXXX. on XX/XX/XXXX. I was served by XXXX on XX/XX/XXXX, six days after the merger, and proper personal service was not performed.

I have disputed this debt multiple times with Zwicker and XXXX with Debt Validation letter, requesting proof of legal standing, chain of title, and authority to collect. Zwicker has not provided sufficient documentation to show they have the right to collect this debt.

I also believe Zwicker may be pursuing similar post-merger XXXX accounts where they : Misrepresented standing, Misled consumers into believing XXXX had authority to sue, Possibly obtained default judgments or settlements without proper validation.

Additional Clarification Requested : I request that Zwicker & Associates clearly identify the entity they claim had legal standing to collect this alleged debt on XX/XX/XXXX ( date of service ) and on XX/XX/XXXX ( today ). Since XXXX XXXX  ceased to exist as a separate entity on XX/XX/XXXX, it is unclear whether Zwicker is claiming to collect on behalf of XXXX XXXX, themselves, or any other entity. I request that they explicitly clarify this in writing and provide supporting documentation for their claim of standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XXXX or XX/XX/year>, I had some financial issues and paid my bill down to at lease {$1000.00} to {$1500.00}. The next month bill came due XX/XX/year> it was double that amount {$30000.00}. I called customer service, and it was difficult get some form of a resolve because of the language barrier. Currently, my credit card is at {$5000.00} and my other XXXX '' XXXX card is as well. PLEASE BRING BACK CUSTOMER SERVICE TO THE U.S.

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

Complaint narrative:
There are multiple accounts involved. Please see the submitted attachments below. The companies have no actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These accounts must be deleted within 15 days since I have no link to them, per USC 1681g.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
all the credit inquries on my report i should only have 1 from XXXX XXXX thats all all 3 credit companies i should only have 1 inquiry from 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 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 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 non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: T.S. Holdings
State: TX

Complaint narrative:
The company contacted the XXXX XXXX XXXX number to speak with me I am a XXXX XXXXXXXX and using the non emergency number for debt collection is a violation of our policy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to bring to your attention a matter of significant concern regarding the violation of my rights under the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, and the resulting financial injuries I have suffered as a direct consequence of your institutions actions. This notice is submitted by affidavit and serves as a formal statement of claim.

I hereby assert the following violations, damages, and demands for resolution : Violation of Gramm-Leach-Bliley Act Rights As a consumer, I reserve the right under 15 U.S.C. 6802 of the GLBA to opt out of the sharing of my nonpublic financial information with non-affiliated third parties, including consumer reporting agencies. Your institution failed to provide me with the required privacy disclosure informing me of this right or instructions on how to exercise it. This omission constitutes a direct violation of the GLBA and its implementing regulations. Financial Injury Due to Noncompliance. Due to your institutions failure to comply with federal disclosure requirements, my personal financial information was unlawfully furnished to one or more consumer reporting agencies without my informed consent, resulting in : A violation of my right to privacy Loss of credit opportunities Damage to my credit and creditworthiness Wage loss and related financial harm Emotional distress and reputational injury

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) against the following furnishers and credit bureaus for violations of federal law related to my credit file. 

After reviewing my recent credit report ( dated XX/XX/year> ), I discovered multiple accounts that were inaccurately reported, reinserted without notice, or furnished without permissible purpose. These actions have caused harm to my credit profile, financial opportunities, and emotional distress. 

Accounts in Violation : XXXX XXXX # XXXXXXXX XXXX XXXX  Reinserted negative data without notice. * * Violation : FCRA 611 ( a ) ( 5 ) ( B ), 623 ( a ) ( 1 ) ( A ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Misreported charge-off and balance. XXXX XXXX  Violation : FCRA 605 ( a ) ( 4 ), 623 ( a ) ( 1 ) ( A ) ; FDCPA 807 ( 2 ) ( A ) XXXX XXXX XXXX XXXX XXXX XXXX  Duplicate late payment entries across bureaus. * * Violation : FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ) ; FDCPA 807 ( 8 ) XXXX XXXX XXXX XXXX XXXX XXXX No permissible purpose or validation provided. XXXX XXXX Violation : FCRA 604 ( a ) ( 3 ) ; FDCPA 809 ( b ) 10 XXXX XXXX XXXX XXXX XXXX Duplicate collection reporting of same debt. XXXX XXXX  Violation : FCRA 605 ( a ) ( 6 ) ; FDCPA 807 ( 2 ) ( A ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported without permissible purpose. XXXX XXXX  Violation : FCRA 604 ( a ) ( 2 ) ; FDCPA 805 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX after dispute ( indicating prior inaccuracies ). 
Violation : FCRA 607 ( b ) ; FDCPA 807 ( 8 ) Pursuant to 15 U.S.C. 1681n and 1681o, I am requesting the CFPB to : Investigate and direct deletion of all inaccurate and unlawfully reinserted accounts from my credit reports. 

Compel the furnishers to provide written verification and permissible-purpose documentation. 

Award statutory damages totaling {$11000.00} for the listed violations. 

Issue corrective actions to ensure compliance under FCRA and FDCPA standards. 

I respectfully request that the CFPB investigate and compel the deletion of these accounts and hold the furnishers accountable for damages and reporting violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) against the following furnishers and credit bureaus for violations of federal law related to my credit file. 

After reviewing my recent credit report ( dated XX/XX/year> ), I discovered multiple accounts that were inaccurately reported, reinserted without notice, or furnished without permissible purpose. These actions have caused harm to my credit profile, financial opportunities, and emotional distress. 

Accounts in Violation : XXXX XXXX # XXXXXXXX XXXX XXXX  Reinserted negative data without notice. * * Violation : FCRA 611 ( a ) ( 5 ) ( B ), 623 ( a ) ( 1 ) ( A ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Misreported charge-off and balance. XXXX XXXX  Violation : FCRA 605 ( a ) ( 4 ), 623 ( a ) ( 1 ) ( A ) ; FDCPA 807 ( 2 ) ( A ) XXXX XXXX XXXX XXXX XXXX XXXX  Duplicate late payment entries across bureaus. * * Violation : FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ) ; FDCPA 807 ( 8 ) XXXX XXXX XXXX XXXX XXXX XXXX No permissible purpose or validation provided. XXXX XXXX Violation : FCRA 604 ( a ) ( 3 ) ; FDCPA 809 ( b ) 10 XXXX XXXX XXXX XXXX XXXX Duplicate collection reporting of same debt. XXXX XXXX  Violation : FCRA 605 ( a ) ( 6 ) ; FDCPA 807 ( 2 ) ( A ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported without permissible purpose. XXXX XXXX  Violation : FCRA 604 ( a ) ( 2 ) ; FDCPA 805 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX after dispute ( indicating prior inaccuracies ). 
Violation : FCRA 607 ( b ) ; FDCPA 807 ( 8 ) Pursuant to 15 U.S.C. 1681n and 1681o, I am requesting the CFPB to : Investigate and direct deletion of all inaccurate and unlawfully reinserted accounts from my credit reports. 

Compel the furnishers to provide written verification and permissible-purpose documentation. 

Award statutory damages totaling {$11000.00} for the listed violations. 

Issue corrective actions to ensure compliance under FCRA and FDCPA standards. 

I respectfully request that the CFPB investigate and compel the deletion of these accounts and hold the furnishers accountable for damages and reporting violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

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