vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Statement of the Case This complaint is filed pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) against XXXX. Your agency continues to report factually false, contradictory, and materially misleading information regarding my accounts. Despite proof of {$0.00} balances and closure, your files contain contradictory closure dates, fabricated late payments, inflated balances, and misleading derogatory remarks. Additionally, no Original Purchase Agreement ( OPA ) has been produced for any alleged debt you continue to report. Without a signed OPA showing the lawful chain of ownership, your reporting is unverifiable and unlawful. 
Examples of Inaccuracy XXXX / XXXX XXXX Conflicting closure dates, false late history, derogatory reporting despite {$0.00} balance. 
Note : No Original Purchase Agreement has been provided. 
XXXX Contradictory statuses : Paid by XXXX, but derogatory/charge-off listed elsewhere. 
Note : No Original Purchase Agreement has been provided. 
XXXX  XXXX False late payments and inconsistent balances despite payoff. 
Note : No Original Purchase Agreement has been provided. 
XXXX Reported both Paid/Closed and Charged Off simultaneously. 
Note : No Original Purchase Agreement has been provided. 
XXXX XXXX  False late marks, inflated utilization ( XXXX ), contradictory charge-off vs. paid. 
Note : No Original Purchase Agreement has been provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
on XX/XX/XXXX, I went to the local branch accompanied by my son  who recommended Fifth Third because they had been a good mortgage provider. It is important to understand that every single time I went to the bank, my son  accompanied me. it was very clear that I was helping my son  with starting a business and some general liquidity and they had no problem communicating with my XXXX  in my presence, allowing him to essentially drive the conversations. On XX/XX/XXXX, our closing date we went into the bank. I signed everything that I needed to sign and at the direction of my son we sent two different wire transfers in excess of {$300000.00} we made it abundantly clear that there was going to be frequent and heavy usage on this line of credit and it was at their suggestion that I opened a checking account to tie to my home equity line of credit too so that I could just transfer between the accounts whenever I wanted which is what the banker told me. After never missing a payment after bouncing no checks after no fraudulent activity or anything of the sort with zero warning the bank put a freeze on both the home equity line of credit as well as the checking account. This caused a number of problems as we were never told the specific reason as to why they were doing this, and they operated clearly in bad faith as they had no problem collecting underwriting documents from my son directly, but somehow had an issue with my allowing him to use the money after the loan was closed not only did this lead to lost opportunities for my sons business but it created a great deal of XXXX, especially since we were so open with them from the very first time going there that I was simply going to be the one providing the money and because of my high credit score and house that was paid off. I was going to help in that way. We feel that we were tricked and now after having received no explanation and no wrongdoing. We are stuck making payments on a line of credit that we can not utilize

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BANK OF AMERICA! 

Exactly 6 months ago, my Bank of America account was canceled by the bank itself, so far so good, but I had money in that account and they canceled it without warning, they didn't contact me or even send an email. I went to the bank to get some information, and they didn't know the reason for the cancellation, which was fine, as my only concern was the money in my account. 

the bank informed me that a check would be sent to my address, and I waited for several days and it did not arrive, I returned to the bank again claiming that it had not arrived, and they said that they could not do anything because the check had already been sent, and that I would have to wait 120 days for the check to expire and only then request a new one, or if someone returned the check to the bank... And the problem is that no one received this check. and I had to wait 120 days to go to the bank to request a new check. 

I waited for the 120 days to pass, I went to the bank to talk to my manager, we updated all my necessary information including the address. And they said that they were asking the bank to send a new check, and that after 5 days I would have to call the number " XXXX '' asking if the check had been sent. After 8 days I called, and the bank said that the check was sent, and that it would take 7-15 days to arrive ... and it has already passed more than 30 days and it has not arrived!!!!! 

I called the bank again today, and they said the same thing as the first time, that the check was sent, and that if I didn't have it in hand I would have to wait +120 days for a new request... THIS IS ABSURD, I ALREADY HAD TO WAIT 120 DAYS FOR THE FIRST CANCELLATION OF THE CHECK ON THE BANK 'S ACCOUNT, AND NOW THEY MADE A MISTAKE AND WANT ME TO WAIT +120 DAYS?

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 2025-10-07 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: AZ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
b"XXXX XXXX\nXXXX XXXXXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX, CA XXXX\nXXXX XXXX\XXXX\nDate: XXXX XXXX XXXX\nTo:\nBank of America\nAttn: Claims & Dispute Resolution Department\nXXXX XXXX XXXX XXXX, NC XXXX\nSubject: Authorization to Communicate with XXXX XXXX Regarding Account Matters \nThis is the continuation of a complaint filed by myself with Bank of America who took funds mistakenly deposited into my business account that were clearly deposited in the name of XXXX XXXX and not myself nor my business and were taken and applied to debts not belonging to XXXX XXXX but to XXXX XXXX XXXX XXXX. I have sent this authorization letter with tracking # XXXX XXXX XXXX XXXX XXXX XXXX and Bank of America claims to have not received it so I am now opting to use this portal to deliver this authorization. \n\nDear Dispute Resolution Department,\nI, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  and holder of the Bank of America business\nchecking account XXXX Routing #XXXX, hereby authorize Bank of America to fully communicate with and provide information to XXXX XXXX XXXX, regarding the dispute involving the direct deposit of his payroll funds on XXXX XXXX XXXX.\nThis authorization specifically covers:\n1. Any and all discussions related to the payroll deposit issued in the name of XXXX XXXX  that\nwas posted into the XXXX XXXX XXXX  account.\n2. The bank's actions in applying funds from that deposit toward my business debts.\n3. Any investigation, claim, or resolution process regarding this matter.\nXXXX XXXX is acting with my full consent and authorization in this matter. Bank of America is directed to recognize his standing to receive information, make inquiries, and receive responses directly from the bank. This authorization remains valid until this dispute is fully resolved. Please place this authorization in your records immediately.\nSincerely,\n\nXXXX 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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC, XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit report by TransUnion, originating from XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, South Carolina. My apartment number was XXXX, and the reported eviction dates include XX/XX/XXXX, XX/XX/XXXX, and XX/XX/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 2025-10-07 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: AL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-07 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-07 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
On XXXX a collectors company called my wife asking for a debt owed to XXXX XXXX, they said the landlord contacted us for it and we never replied ; that statement is fully a lie. When we left the property we ask to the personal email us or calling us if something was wrong at the house we left and that email or phone call never came, we ask if our security deposit of {$500.00} usd will be returned and they said yes and those {$500.00} USD never returned from the property We left in XXXX and also property contacted us in XXXX just asking us our new address and we replied to them They never contacted me for amount owed to them and they sent this directly to a cost collector company and this is in my opinion unfair I cant provide any evidence due like my statement said they never contacted me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: OH

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 2025-10-07 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am filing this complaint against Midland Credit Management ( MCM ) for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
I formally disputed three accounts on XX/XX/year>, by sending MCM a certified debt validation and cease-and-desist letter, requesting verification under 15 U.S.C. 1692g ( b ). These accounts are : MCM/XXXX XXXX XXXX Acct XXXX XXXX {$1500.00} MCMXXXX XXXX XXXX Acct XXXX XXXX {$1100.00} MCMXXXX XXXX XXXX Acct XXXX XXXX {$1300.00} My letter was delivered and signed for on XX/XX/year> ( USPS receipt attached ). I requested the following : Proof MCM had legal authority to collect Signed original contract with creditor Full accounting breakdown Immediate cessation of all collection and credit reporting activity until validation Despite this, MCM : Continued reporting all 3 accounts to XXXX XXXX XXXX after being notified in writing to stop ( violation of FDCPA 805 ( c ) ) Never provided validation documents, in violation of 809 ( b ) Claimed in a CFPB response that they received my request in XXXX a lie, as USPS shows XXXX delivery ( attached ) Furnished disputed, unverifiable information to credit bureaus ( FCRA 623 ( a ) ( 1 ) ( A ) ) Failed to conduct a reasonable reinvestigation ( FCRA 623 ( b ) ) These acts are willful and negligent violations of both the FDCPA and FCRA, and have damaged my credit and peace of mind.

Company response to consumer: Closed with explanation