vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding a collection account related to a former apartment lease that is currently being reported on my XXXX  credit report by Fair Collections and Outsourcing. Despite previously disputing the account with XXXX, it was returned as verified without providing proper documentation or evidence to substantiate the claim. 

Account Details : Creditor / Collection Agency : Fair Collections and Outsourcing Account Number : XXXXXXXX XXXX XXXX Original Balance : {$2300.00} Current Balance : {$2300.00} Status : Collection / Charge-Off Opened : XX/XX/XXXX Reported : XX/XX/XXXX I am disputing this collection for the following reasons : 1. Lack of Proper Validation : I have not received any documentation such as a copy of the lease, final move-out statement, or breakdown of the charges being claimed. I requested this information, and the collector failed to provide it, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ).

2. Inaccurate or Inflated Charges : I have reason to believe that the amount reported includes questionable or inflated fees ( e.g., damage charges, cleaning, or administrative fees ) that were not valid or never communicated to me at the time of move-out.

3. Improper Notification & Collection Practices : I was never properly informed of this alleged debt prior to it being placed into collections. This prevented me from resolving the issue directly with the property management or exercising my right to dispute it within the appropriate time frame. 4. Failure to Properly Reinvestigate ( FCRA Violation ) : T
he credit bureau ( s ) marked this account as meets FCRA requirements, but failed to explain or show what documentation was used to verify the debt. Without access to original documentation, this account should be deemed unverifiable and removed, in accordance with FCRA Section 611. 

I am requesting the CFPBs assistance to : Require Fair Collections and Outsourcing, and XXXX  to provide full validation of this debt, including a lease, itemized charges, move-out inspection reports, and legal assignment of the debt. 

Ensure that unverifiable or incomplete information is removed from my credit report.

Investigate whether the debt collectors reporting and handling of this account are compliant with FCRA and FDCPA. 


Thank you for your time and assistance. I look forward to your help in ensuring this issue is properly addressed and resolved. 

Sincerely, 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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Willful FCRA Noncompliance Failure to Delete Inaccurate Tradelines After Legal Notice Summary : TransUnion has failed to delete or correct multiple tradelines that have been in dispute since XXXX. Despite receiving a formal Demand for Deletion from Elite Legal Practice in XX/XX/XXXX, TransUnion continues to report charge-offs, re-aged accounts, and unvalidated collections from LVNV/Resurgent. I have attached a chart of the violations and a sample of what the report should look like. For this reason Elite Legal Practice send a demand for deletion in XX/XX/XXXX for the accounts in question because it has been almost XXXX  years and the furnishers HAVE NOT corrected the account reporting damaging my credit intentionally and artificially.

Violations : 1681i ( a ) : Failure to reinvestigate 1681i ( a ) ( 5 ) : Failure to delete unverifiable data 1681s-2 ( a ) ( 3 ) : Failure to flag accounts as disputed 1681n : Willful noncompliance Case Law : Gorman v. Wolpoff & Abramson, 584 F.3d 1147 ( 9th Cir. 2009 ) : Furnishers and CRAs are liable for failing to correct inaccurate data.

Suluki v. Credit One Bank, CFPB/FTC Amicus Brief ( 2023 ) : Companies must delete unverifiable information or face enforcement.

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 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: NM

Complaint narrative:
* * * * * Be advised not a duplicate complaint but rather an ongoing and escalating issue. 
In retaliation to my complaint to CPFB and for doing dispute for incorrect amounts charged. As improper payments and billing errors exist cash app just closed my account without my concent. See previous complaint regarding UCC 3-603 & UCC 3-311 also public law 73-10/HJR 192. Also see attached court ordered Payment that was attempted but rejected by Cashapp as per UCC 3-603 states that any attempt to pay debt regardless of Acceptance is still considered XXXX  and credit shall be issued to account in that amount. So Closing account is unacceptable but does not exempt them from obligation and credit for amount attempted and court ordered. See attached UCC 3-603 Tender of Payment. Also asked for Cash app to disclose and identify their correspondence Bank and if cash App wants to close my account after Credit is issued and asked Cash app how do I claim all my deposits as I am not abandoning them and asked procedure to prevent funds from XXXX as I am a Beneficiary who has obtained the age of Majority and of a sound mind also I have asked for help so many times and every single complaint was and still is true and correct Bona fide best of my abilities and knowledge. Every single Complaint also will testify in a court of law of Validity of each and every Complaint and with lawsuits and Internal investigations of certain issues that XXXX and FTC, SEC and XXXX ATTORNEYS GENERALS XXXX XXXX XXXX OFFICE ALSO XXXX XXXX  and XXXX XXXX Also Comptroller of Currency will not be able to deny your prior knowledge of and will be forced to be accountable. See XXXX XXXX XXXX XXXX XXXX courts. Also be advised as you should know that whomever is a sworn officer or took oath of office shall be accountable as Oath is very serious and failure to uphold such oaths are immediate termination and removal from office and Pensions striped and labeled as traitors and treated as treasonous actions as thats exactly what it is. Who do you work for and who is in charge? WE THE PEOPLE. So lets remember the oaths we took and remember why and what public service and appointed positions are and how very important they are. With great trust comes great responsibility and I also believe that its never to late to start doing what maybe should have been done and any assistance or action taken shall not be considered a admission or shall it carry any liability and will hold harmless and indemnify any and all actions taken that are potentially harmful or carry any liability and its time to trash that mindset or fear of doing the right thing and will go up to bat and do whatever it takes to protect any and all who takes any action in good faith to follow codes rules and regulations and enforce laws with equity and inclusion, Truth and fairness so help me GOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXEquifax Consumer Services LLC\nExecutive Consumer Relations XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Dispute of Inaccurate and Outdated Credit Information under FCRA and UCC\n\nDear Sir/Madam,\n\nI am writing to formally dispute certain inaccurate and outdated information listed on my credit report, in accordance with the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq., and the Uniform Commercial Code (UCC). I request the immediate removal of the following items:\n\n1. Outdated AddressesXXXX 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 XXXXPer FCRA  1681i(a), I am entitled to dispute any inaccurate or obsolete information. These addresses are no longer valid and must be removed from my credit profile immediately.\n\n2. Late Payments:\nLate Payment Entries:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX   These late payments are either inaccurately reported or have already been paid and settled. Under FCRA  1681i(a), I request their removal as they do not reflect my current credit standing.\n\nLegal Basis:\nFCRA** mandates that credit bureaus investigate disputes and correct or remove inaccurate, incomplete, or outdated information within 30 days of receipt.\nUCC** (particularly UCC  1-308) affirms my right to assert my rights under applicable laws and to dispute inaccurate records.\n\nEnclosures:\nCopy of my government-issued ID (for identity verification)\nProof of current address (e.g., utility bill, lease agreement)\nCopy of my credit report highlighting the disputed items\n\nRequest for Confirmation:\nPlease investigate these disputes and confirm in writing within 30 days that the outdated addresses and inaccurate late payments have been removed or corrected.\n\nThank you for your prompt attention to this matter.\n\nSincerelyXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: IN

Complaint narrative:
My XXXX XXXX of XXXX was paid in full as of XX/XX/XXXX. This account shows paid in full and closed. This same account was reopened by XXXX XXXX on XX/XX/XXXX. I then disputed this account with no resolution.XXXX XXXX reported this account to credit bureaus on XX/XX/XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have repeatedly requested validation, verification, and a real investigation of all 3 credit reports from National Credit AdjustersXXXX 
And have not received any validate response or action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I tried to get a bank account and was denied because they said on Chexsystems it shows XXXX  XXXX XXXX on there for fraud due to a few years back someone was hacking my bank account and i let XXXX  XXXX XXXX know but now they added it to chexsystems which is not allowing me to get a bank account I was XXXX assaulted at my last job resulting in me suing them they have sent me my settlement and I have been trying to get a bank account to be able to have one and be able to deposit the settlement but I am stuck and having no luck I have asked XXXX  XXXX XXXX about this problem and they said that it shows on their end that i dont owe any debt and that it shouldnt even be on the chexsystems report i then called chexsystems back to tell them this issue they said they cant tell me anything over the phone so please if theres a way to help me fix this situation and get this off my chexsystems report so i can get a bank account please thank you

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 2025-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX this is my second attempt of notifying the bureau

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 2025-06-22 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: MI

Complaint narrative:
I cant access my equifax my report has been locked someone tried to apply for something and used the incorrect birthday so it cant get it updated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear CFPB On XX/XX/XXXX, I was checking the balance on my Bank of America checking account and noticed some excessive withdrawals. I found out I was suddenly being charged a {$25.00} service fee. I called the bank and after waiting some 20+ minutes I was connected with a XXXX @ XXXXXXXX XXXX. He told that this charge was because I didn't carry a {$5000.00} monthly balance. I have had this account since XXXX and had never heard of this. He told me he had options for a {$5000.00}, {$10000.00} & {$15000.00} monthly balance accounts.I told him. I wasn't interested in that. I feel that the bank attempts to withdraw this fee hoping that the account holder doesn't notice. They tried this years ago and then reversed the charges claiming it was a mistake. When I go to the branch, I'm told my account doesn't have any such monthly fees. I feel the Bank of America should return the {$25.00} fee and be fined or reprimanded. This all feels unethical and underhanded. Please help me to resolve this issue. 
Thanks, 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 monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I never had a capital one account ever I been disputing that with all 3 credit bureaus and nothing has been done and it wont get off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: OK

Complaint narrative:
XXXX has a collection on my Equifax bureau for {$430.00} and it says that the account was opened XX/XX/year> and my first delinquency was 5 months earlier on XX/XX/year> that is impossible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
I am filing a formal complaint against * * IQ Data International * * and * * XXXX XXXX XXXX * * for reporting inaccurate and unfair charges to my credit report. 
Background : I previously rented a home managed by XXXX XXXX XXXX. Upon moving in, I immediately reported that the carpet was in poor condition and needed replacement. XXXX XXXX refused to replace it, stating that it was a cosmetic issue. I have documented proof of my * * maintenance requests * * showing that the carpet was already damaged when I moved in. 

Upon moving out, XXXX XXXX charged me for carpet replacement and other repairs that were * * not my responsibility * *. I disputed these charges via email directly with XXXX XXXX, providing evidence that the carpet was already in poor condition. Despite my dispute, XXXX XXXX * * wrongfully sent the debt to collections * * through IQ Data International, which is now reporting it on my credit file. 

* * Issues with the Debt : * * 1. * * The charges are inaccurate * * The carpet was already damaged when I moved in, and I have maintenance requests proving this. 
2. * * I properly disputed the charges * * XXXX XXXX ignored my dispute and reported the debt anyway. 
3. * * IQ Data International failed to validate the debt * * They are reporting this collection without proper verification. 
4. * * This is negatively impacting my credit * * I am actively working to improve my credit score and this wrongful collection is preventing me from doing so. 

* * Requested Resolution : * * I am requesting that the * * CFPB investigate IQ Data International and XXXX XXXX XXXX * * for improper debt reporting and violations of the * * Fair Credit Reporting Act ( FCRA ) * * and * * Fair Debt Collection Practices Act ( FDCPA ) * *.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
In XX/XX/year>, I made a payment of {$850.00} to Exeter Finance. My regular car payment is {$750.00}, and I clearly instructed the representative by phone to apply the extra amount ( {$96.00} ) directly toward the principal balance not toward interest or future payments. 

Again, in XX/XX/year>, I made a payment of {$800.00}. I repeated the same instruction during that call I asked that any amount over my regular payment be applied to reduce the principal, not to cover future months or additional interest. 

Despite my clear instructions, my XX/XX/year>XXXX  statement shows that : For the XXXX payment, only {$190.00} was applied to principal, and {$650.00} went to interest. 
For the XXXX payment, the entire {$800.00} was applied to interest, and none went to principal. 

I also noticed that my required monthly payment amount was lowered without my request or consent. When I called to ask why, a representative told me the extra funds were used to advance my next months payment, which was never authorized. 

This is extremely frustrating. These payment misapplications benefit the lender not me and directly contradict the instructions I gave. I want the extra funds to be correctly applied to my loan principal and the payment schedule restored to its original structure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these account for me to ensure accuracy. Here is the accounts name and the accounts number I am asking you to verify as accurate : 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 2025-06-22 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these account for me to ensure accuracy. Here is the accounts name and the accounts number I am asking you to verify as accurate : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: GA

Complaint narrative:
This is now my follow-up dispute regarding the unresolved and inaccurate negative accounts that remain on my credit report. I am extremely disappointed by your ongoing failure to address these errors, and I must ask : How many times do I need to raise this with you before you take appropriate action?

Your continued inaction is not only unacceptableit is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 616 Civil Liability for Willful Noncompliance FCRA 617 Civil Liability for Negligent Noncompliance

Company response to consumer: Closed with non-monetary relief