vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
A request was sent out on XX/XX/year> for full validation of the debt. Attached is the request that was sent out. Please read fully. No response was given.

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 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to dispute an invalid collection account being reported by Columbia Debt Recovery related to a former apartment tenancy in Arizona. 

Account Details ( as reported ) : Collection Agency : Columbia Debt Recovery Original Creditor : XXXX Account Number : XXXX Reported Balance : {$670.00} This alleged balance arises from purported move-out charges. I dispute this debt in full because it was never lawfully established. 

I moved out early from the apartment and paid all move-out fees that were provided to me at the time of move-out. I paid these charges in full. Despite this, I never received a security deposit disposition or itemized list of deductions, nor was my {$1300.00} security deposit returned. 

Under Arizona Revised Statutes 33-1321 ( D ), a landlord is required to provide a written, itemized statement of deductions and return the security deposit within fourteen ( 14 ) business days of move-out. This did not occur. The property also changed ownership during my tenancy, yet no lawful accounting was ever provided by either the prior or successor owner. 

Without a valid deposit reconciliation and itemized accounting, this alleged balance is not a finalized or legally collectible debt. Reporting and attempting to collect this amount violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e, 1692f, and 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) and ( b ) ).

I am requesting that the CFPB investigate this matter and require the deletion of this invalid collection account from my credit report. Continued reporting of this unverified and procedurally defective debt is inaccurate and harmful. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Reporting un authorized information on my credit report and will not furnish contact or signature of consent a bankruptcy

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 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been using XXXX  for the past 3 years. I was restricted on my chase app about 2 days ago and called their support and asked why. They didn't give me any coherent answer. I want access to my XXXX  back. There is no fraud linked to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Someone after XX/XX/XXXX all withdrawals from my USAA bank account have been blocked. I can not access My deposits, which total about {$2600.00} in my checking s account. I have called USAA 6 times to get this issue resolved, which is the only way to contact USAA. The issue has not been resolved even after I provided photos of my passport, my social security number, my bank pin number, my date of birth, my full legal name, and documentation of recent transactions and attempted ( declined ) transactions. 

The most recent call I made to USAA was on XX/XX/year>. During this call they told me to give them 3 days to review my accounts security and hung up. This is the same message I received on XX/XX/XXXX, was more than XXXX business days ago. USAA has failed to provide any documentation explaining why the account has been locked and refuses to communicate with 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 2025-12-29 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 have send out 7 rounds of disputes to XXXX, equifax and XXXX  for my STUDENT LOAN XXXX, ,wich they report misleading and innacurate requesting to delete from my credit report. THere reporting is NOT metro2 compliante, ,nor FCRA compliant. i request this student loans to be deleted from my credit report ASAP. listing bellow the account infos XXXX  reports XXXX BALANCE XXXX $ XXXX BALANCE XXXX $ XXXX BALANCE XXXX $ XXXX BALANCE XXXX $ EQUIFAX REPORTS XXXX BALANCE XXXX $ XXXX BALANCE XXXX $ XXXX BALANCE XXXX $ XXXX BALANCE XXXX $ XXXX  REPORTS XXXX BALANCE XXXX $ XXXX BALANCE XXXX $ XXXX BALANCE XXXX $ XXXX BALANCE XXXX $ XXXX BALANCE XXXX $ I REQUEST THEM TO DELETE ALL THIS WRONG AND MISLEADING ACCOUNTS FROM MY CREDIT REPORT. THEY ARE NOT COMPLIANT NEUGHTER TO METRO2 NOR FCRA CONSUMER LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding a unauthorized hard credit inquiry that appear on my Experian credit report. I did not authorize, initiate, or consent to any credit application or transaction that would justify this inquiry. 

The unauthorized inquiry is as follows : XXXX XXXX XXXX XX/XX/year> This inquiry was made without my knowledge or permission and therefore do not meet the requirements of a permissible purpose under the Fair Credit Reporting Act ( FCRA ), Section 604 ( 15 U.S.C. 1681b ).

I previously disputed this inquiry with Experian ; however, they remain on my credit report without proper verification. Under the FCRA, Sections 611 and 623, consumer reporting agencies and furnishers are required to conduct a reasonable investigation and remove any information that can not be verified as accurate and authorized. 

The continued reporting of this unauthorized inquiry is inaccurate, misleading, and negatively impacts my credit profile, in violation of federal consumer protection laws.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express is furnishing inaccurate and inconsistent information regarding a co-branded credit card account ( AMEX / XXXX / XXXX ) across XXXX, XXXX, and XXXX. 

The same account is reported with materially conflicting statuses and data, including being listed as an open credit card on some bureaus while simultaneously reported as a collection account or charged-off account on others. Balances and past-due amounts differ between consumer reporting agencies, and delinquency status is inconsistently reported as 120 days late, collection, and charge-off. 

In addition, American Express reports that the account was assigned to an attorney, collection agency, or internal collection department without identifying any such party or providing documentation establishing lawful authority to report the account in a collection status. 

I requested documentary verification supporting the reported account status, balance calculations, alleged collection or attorney assignment, copies of any required negative information notices, and an explanation of the investigation process used to verify this information. No such documentation has been provided. 

Despite these unresolved discrepancies, American Express continues to furnish this derogatory information, which I believe violates the Fair Credit Reporting Act, including failures to ensure maximum possible accuracy and to conduct a reasonable reinvestigation. 

I am requesting correction or deletion of this tradeline unless American Express can substantiate the accuracy and authority of the information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX / XXXX XXXX is furnishing inconsistent, inaccurate, and materially misleading credit reporting data. The account is reporting as Paid, Closed, and Charge-Off/Collection simultaneously across multiple credit bureaus, which is contradictory and creates a false representation of account status. 

Additionally, XXXX is reporting purchases and balances that exceed the secured credit card limit, misrepresenting the lawful credit line and falsely inflating utilization and delinquency representation. This is especially egregious because this was a secured credit card, meaning balances can not legally exceed the deposited secured limit unless XXXX own records are inaccurate or fabricated

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX / XXXX XXXX is furnishing inconsistent, inaccurate, and materially misleading credit reporting data. The account is reporting as Paid, Closed, and Charge-Off/Collection simultaneously across multiple credit bureaus, which is contradictory and creates a false representation of account status. 

Additionally, XXXX is reporting purchases and balances that exceed the secured credit card limit, misrepresenting the lawful credit line and falsely inflating utilization and delinquency representation. This is especially egregious because this was a secured credit card, meaning balances can not legally exceed the deposited secured limit unless XXXX own records are inaccurate or fabricated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX / XXXX XXXX is furnishing inconsistent, inaccurate, and materially misleading credit reporting data. The account is reporting as Paid, Closed, and Charge-Off/Collection simultaneously across multiple credit bureaus, which is contradictory and creates a false representation of account status. 

Additionally, XXXX is reporting purchases and balances that exceed the secured credit card limit, misrepresenting the lawful credit line and falsely inflating utilization and delinquency representation. This is especially egregious because this was a secured credit card, meaning balances can not legally exceed the deposited secured limit unless XXXX own records are inaccurate or fabricated

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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
CFPB complaint text ( final version with evidence concerns ) What happened On XX/XX/year>, my Bread Cashback credit card was charged {$250.00} by XXXX  XXXX XXXX. I did not smoke in the room and I am not a smoker. A front desk employee told me the charge could be because they found smoking evidence in the room, but this is not true. 

I had already paid for the room through XXXX for about {$80.00}. The {$250.00} charge is not the room rate it appears to be an additional fee I did not authorize and that is not valid. 

During my stay, I also observed that storage/side closet areas near the room appeared to be used by employees or possibly unhoused individuals. I am concerned that others may have accessed areas near my room, which could explain any alleged evidence.

I asked multiple times for the manager to contact me, and my calls were never returned. If the hotel believed there was smoking evidence, they should have immediately provided photos or documentation at that time or had the manager call me. Because they did not provide anything and have delayed responding for weeks, any photos produced now could be questionable or not tied to my stay. 

I did not receive any additional goods or services for this {$250.00} charge. 

In addition, the hotel placed a pending authorization hold of {$200.00} on my Bread Cashback card that remained pending for over four weeks. At check-in, I was told the hold would only be {$40.00}, not {$200.00}. This unnecessarily reduced my available credit for weeks.

What I did to fix it I disputed the {$250.00} charge with Bread Financial/Bread Cashback. I was told it was handled as an authorization failure to reverse/processing error. I have also been told they can not open another dispute and that I must just wait, even though the merchant has provided no proof or documentation to support the charge. 

Why I am filing this complaint This situation involves : a wrongfully assessed smoking fee an excessive and prolonged pending authorization hold complete lack of communication from the merchant The merchant has not provided : photos or time-stamped documentation housekeeping or incident reports proof that I smoked or caused any damage explanation for why a {$40.00} hold became {$200.00} and remained pending over four weeks What I want I am requesting that Bread Financial : reopen or correctly recode my dispute require actual, timely evidence from XXXX  XXXX XXXX if they claim a fee is owed reverse the {$250.00} charge and remove any related interest/fees address the improper and extended {$200.00} pending authorization hold I did not smoke, I am not a smoker, I had already paid for the hotel through XXXX, and I did not authorize or receive any benefit for this {$250.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MS

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NM

Complaint narrative:
On XX/XX/year> my daughter in law sent me money to my cash app account and when I went to the app to accept it it's saying account no longer exists you can no longer access it. This is the XXXX account through cash app that get shut down and locks me out of it with my funds in the accounts. I try to retrieve my account it tells me I can not do so and I need to open a new account so that's why I have so many accounts through cash app and a lot of them still have funds sitting inside those accounts that's a type of fraud to me I feel like I'm being frauded by cash app. For them to continually close my accounts with money inside them with no reimbursement is fraud..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX Bank XXXX XXXX Dispute Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} To Whom It XXXX Concern, As a consumer protected under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX credit reporting guidelines, and the New York XXXXeneral Business Law ( NY GBL ), I am formally asserting my rights and seeking correction of inaccurate and damaging information that continues to appear on my Experian credit report regarding the XXXX  XXXX account. This is my second dispute of this account. I originally submitted a dispute through the Consumer Financial Protection Bureau after a credit reporting agency representative inaccurately informed me that I needed to file an FTC Identity Theft Report to initiate the process. This misdirection was not only unnecessary, but it also delayed timely resolution and added to the personal and financial hardship Ive experienced as a result of this inaccurate reporting. 
The XXXX  XXXX tradeline reflects a charge-off with a balance of {$1200.00} on a {$650.00} credit limit. It includes at least 17 months of derogatory entries, including CO ( Charge-Off ), ND ( No Data ), and severe delinquencies ranging from 30 to 150 days late. Not only is this pattern of reporting inconsistent with XXXX XXXX Field 18 requirements for continuous payment history, but the absence of a clearly defined and validated Date of First Delinquency ( DOFD ) violates XXXX XXXX Field 25 and FCRA 1681c ( a ) ( 4 ). This pattern of reporting is misleading, potentially re- aged, and fails to comply with the standard of maximum possible accuracy as outlined under FCRA 1681e ( b ).

Despite having already submitted a dispute, I have never received a full explanation or supporting documentation from Experian or the data furnisher. This failure to fully reinvestigate and substantiate the accounts derogatory entries violates FCRA 1681i and 1681s-2 ( b ). In New York, these actions also run afoul of GBL 380-f, which mandates a complete and timely reinvestigation, and GBL 380-j , which prohibits the continued furnishing of known inaccurate data. The continued harm from this inaccurate tradelineespecially as I attempt to apply for new credithas been significant, both emotionally and financially. 
This notarized letter confirms my identity, which has been previously submitted and affirmed. 
Any additional request for identity verification will be treated as a delay tactic and is inconsistent with your obligations under the FCRA. I am also enclosing an invoice outlining the specific statutory violations involved, with associated compensatory amounts, in accordance with FCRA 1681n and 1681o and the relevant provisions of NY GBL 380-f, 380-j, and 380-l.

Company response to consumer: Closed with non-monetary relief