vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: IL

Complaint narrative:
Multiple inaccurate accounts are reporting to my credit file that are not mine

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 2025-11-18 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: IL

Complaint narrative:
Multiple inaccurate accounts are reporting to my credit file that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This complaint pertains to a high yield saving account with Capitol One. Initially, I was unable to open the account because a fraud alert was on my account with Capital One ; someone fraudulently opened a Capitol One account under my name. I called Capitol One and after answering several questions I proved that I am in fact the correct person. The individual I spoke to indicated that the following day I should be able to continue to process of opening the account. Eventually I opened the account and the final test was Capitol One would deposit small amounts into my bank account ( the bank I provided to withdraw the {$2500.00} to open this account with Capitol One and the same bank account I use to pay my Capitol One Credit Card bill ) and I was to log into Capitol One and prove those amounts in the order the deposits were made. I did that and then I received notification on XX/XX/year> that the {$2500.00} was pending withdrawal from my personal checking account. Shortly after I received an email from Capitol One that I am unable to withdraw from this account because of some irregularities and to call thXXXX XXXX XXXX XXXX XXXX XXXX  I called and was told I need to provide my Driver 's License. I refused to do that because I thought I had already proven who I was. And if I was told I had to mail or scan my license and send it anywhere, I would not have opened this account. And the fact that Capitol One already approved a fraudulent account in my name I was afraid of providing my License to them. The email I received also said if I did not call within 30 days that the funds would be sent back to the account it was taken from or a check would be mailed to the address on file. This {$2500.00} was removed from my checking account on XX/XX/XXXX and I have yet to receive my money back. I called twice since, the first time approximately XXXX weeks ago and was told the funds were processed. I called back yesterday and was basically told the funds were fraudulent and that my money was sent to Virginia. The XXXX XXXX, employee # XXXX eventually hung up on me. I logged into my Capitol One account and the account is showing the {$2500.00} plus {$4.00} of interest. I contacted my bank but they are unable to assist because I authorized the withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
After recently checking my credit report, I believe that I have been a victim of identity theft and found numerous accounts and credit inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : Accounts : 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 EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN 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 XXXXXXXX

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 2025-11-18 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: GA

Complaint narrative:
After recently checking my credit report, I believe that I have been a victim of identity theft and found numerous accounts and credit inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : Accounts : 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 EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

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
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TekCollect Inc.
State: SC

Complaint narrative:
am writing to formally dispute and file a complaint regarding an alleged balance related to XXXX XXXX XXXX that is now being pursued by Tek Collect, resulting in repeated harassment and unjust damage to my credit. 

XXXX XXXX XXXX ceased operations without delivering the complete treatment or all the products that I paid for. My aligner plan was never fully fulfilled, and I was left with no way to contact customer support, obtain the remaining aligners, or complete the correction process. Despite XXXX  XXXX XXXX failure to uphold their end of the agreement, Tek Collect is attempting to collect payment for a product and service that I did not fully receive. 

Additionally, this alleged debt has been reported to the credit bureaus and has negatively impacted my credit score. I dispute this debt entirely. It is fundamentally unfair and inaccurate to report a balance for services that were never completed and products that were never provided

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closed my checking account without providing a clear explanation, even though all of my transactions were legitimate. The alleged suspicious activity was simply small XXXX transfers ( {$4.00} {$6.00} ) between friends to split XXXX XXXX. I have committed no fraudulent or illegal activity. 

After closing my account, the bank informed me that my remaining funds would be returned by mail in the form of a cashiers check. However, despite visiting a Bank of America branch in person and calling customer service multiple times, NO ONE has been able to confirm when the check will be issued, when it will arrive, or even whether it was actually sent. I was not provided with any written documentation, tracking number, timeline, or legally required notice regarding my own funds.

I am traveling soon and currently have no access to my money because of the banks actions. The lack of information and transparency has left me in a financially vulnerable and unstable situation. I urgently request an expedited review, a clear explanation, and immediate access to my funds or a guaranteed reissue of the check to my correct address.

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 2025-11-19 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: FL

Complaint narrative:
recently reviewed a copy of my credit report and was shocked to find I had been the victim of identify theft I do not recognize this account please remove this from my credit report they are hurting my ability to obtain credit.

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 2025-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
On XX/XX/year>, I emailed PHH Mortgage a Request for Information ( RFI ) and a Notice of Error ( NOE ) related to my mortgage account. Under RESPA Regulation X, PHH is required to acknowledge receipt of both documents within XXXX business days. 

PHH did not provide any acknowledgment by the required deadline of XX/XX/year>. 

From XX/XX/year> through XX/XX/year>, I received no response, no acknowledgment, and no written communication from PHH regarding either the XXXX or the XXXX. 

On XX/XX/year>, when I spoke to a PHH representative, they sent me acknowledgment letters by email. The letters were dated XX/XX/year>, but I did not receive them until XX/XX/year>, which is after the XXXX requirement under RESPA and only provided XXXX I requested an update while speaking with the representative. 

PHH failed to comply with : 12 CFR 1024.35 ( d ) ( NOE acknowledgment within 5 business days ) 12 CFR 1024.36 ( c ) ( RFI acknowledgment within 5 business days ) This resulted in unnecessary delays and required me to follow up to obtain acknowledgments that PHH was legally obligated to provide in a timely manner.

Because PHH missed the required RESPA deadlines for both the XXXX and the XXXX, I am requesting a fair resolution, including up to {$2000.00} in statutory damages under 12 U.S.C. 2605 ( f ) for multiple Regulation X violations and failure to comply with required servicing timelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: Byrider Franchising, LLC
State: MO

Complaint narrative:
purchased a XXXX XXXX XXXX ( XXXX : XXXX ) from Byrider XXXX on XX/XX/XXXX, financed through CNAC XXXX XXXX XXXX XXXX. The Tennessee title provided lists XXXX XXXX XXXX XXXX XXXX as the lienholder, but the lien release section is blank no signature, date, or notarization. The Missouri DMV has refused to issue a title or registration due to this defect, making the vehicle legally unusable. 
Despite this, I have continued making payments including {$280.00} on XX/XX/XXXX and CNAC attempted another withdrawal. I currently owe over {$14000.00} on a vehicle I can not legally register XXXX XXXX. I am XXXX, supporting XXXX children, and walking miles for job interviews while being charged for a car I can not use. 
This sale violates Missouri XXXX, including : XXXX XXXX Title transfer without proper lien release RSMo XXXX Deceptive and unfair business practices under the Missouri Merchandising Practices Act Missouri courts have ruled in favor of consumers in similar cases : XXXX XXXX XXXX XXXX Mo. XXXX ) punitive damages for deceptive vehicle sales State ex rel. XXXX v. XXXX XXXX XXXX rescission and refund for title fraud I am requesting : XXXX. Full refund of all payments made XXXX. Cancellation of the remaining loan balance XXXX. Return of the vehicle to Byriders possession 4. Investigation into Byrider XXXX and CNACs practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Subject : Formal Escrow Error and Demand for Reimbursement Account # XXXX To Whom It XXXX Concern : I am writing to formally dispute and request immediate correction of XXXX escrow payment errors made by SPS regarding my XXXX XXXX property tax bills. 
In XX/XX/XXXX, SPS paid the wrong property tax bill. XXXX XXXX returned the check, and a penalty of {$650.00} was assessed. 
In XX/XX/XXXX, SPS again paid the wrong bill, causing a second penalty of {$670.00}. 

Both errors were caused by SPS, not by me. These penalties were improperly paid from my escrow funds. I have called your customer service multiple times over the past year with no resolution. 

I am demanding : XXXX. Reimbursement to my escrow account for the total penalties of {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
I sent a certified letter on XX/XX/year> requesting debt validation from XXXX. On XX/XX/year>, they replied with a bill, which is not proof of any debt. I do not owe this debt and never did business with them. Their actions violate the FDCPA. I request they cease collection efforts and remove all negative reporting.

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 2025-11-18 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: IN

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: IN

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
On XX/XX/year>, I sent Midland a written dispute and a request for validation for the account they are reporting, but they completed ignored me! They never sent me any proof that they own some alleged debt, a breakdown of the balances, or any original creditor documentation. Despite failing to validate, Midland continued to report the account.

Under the FDCPA, PRA must stop collection and reporting until they provide proper validation. They have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NH

Complaint narrative:
What is the problem? 
XXXX XXXX XXXX XXXX sent inaccurate and unverified charges to a collection agency without ever providing me with an itemized bill, move-out statement, or any documentation supporting the charges. I have repeatedly requested documentation from both XXXX XXXX XXXX XXXX and the collection agency, and neither has provided it. 

What happened? 
I terminated my lease early due to repeated noise issues and managements failure to address the problem after numerous complaints. Despite this, XXXX XXXX later sent charges to collections without ever providing me with a bill or a breakdown of what I supposedly owed. 

On XX/XX/year>, I sent a formal dispute letter to XXXX XXXX requesting itemized charges and documentation. I provided a XXXX deadline. They never responded. I have now contacted them multiple times with no reply. 

I have disputed the collection twice with the credit bureaus, but the collection agency continues to verify the debt even though no documentation has ever been provided. 

What resolution are you seeking? 
I am requesting that the CFPB require XXXX XXXX XXXX XXXX and the collection agency to : Provide full documentation validating the debt Provide a complete itemized statement of charges Provide proof that the amounts are accurate and legitimate Remove the collection from my credit report if documentation can not be provided Cease all collection activity until the matter is properly validated I am also requesting that the CFPB XXXX XXXX XXXX failure to provide required documentation before sending tenants to collections.

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 2025-11-19 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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: CL Holdings LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I am stressed out because this company is violating my rights Under 15 USC 1681 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable er inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation