vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
Please consider this a formal request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, for full validation and verification of this debt, including all documentation supporting your legal right to collect it.

Additionally, pursuant to 15 U.S.C. 1692c ( c ), I am exercising my right to request that you cease all further communication with me regarding this debt until the requested validation is provided. 
Specifically, I am requesting the following : XXXX XXXX, including : The amount of the alleged debt ; The name and address of the original creditor ; A complete itemized accounting of the alleged debt and how the amount was calculated. 
Proof of Assignment or Legal Ownership, including : A copy of the original contract or agreement bearing my signature ( if applicable ) ; Documentation demonstrating that the alleged debt was legally assigned or sold to your agency ; The complete chain of title for the debt, showing ownership from the original creditor to your agency. 
Proof of Your Legal Authorization, including : Evidence that you are licensed or otherwise authorized to collect debts in the state of mi ] ; Any license or registration numbers applicable to your collection activity in my jurisdiction. 
Under 15 U.S.C. 1692g ( b ), you are required to cease collection efforts until this debt is properly validated. Under 15 U.S.C. 1692c ( c ), I am further requesting that you cease all communication with me unless and until you provide proper validation of this debt.

If you can not provide all requested documentation, you must immediately stop all collection efforts and cease any reporting to the credit bureaus.

Please respond to this request in writing only. I also request that all future communications regarding this matter be made in writing and sent to the mailing address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-10-08 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: CA

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ORG GC GP BUYER, LLC
State: PA

Complaint narrative:
I contacted XXXX for an alleged debt of {$1100.00} reporting to my credit file on Experian XXXX TransUnion. I spoke with a XXXX representative whom informed me that XXXX doesnt own that account and its with a XXXX party, by the name InteLogix. I reached out to this XXXX party company via a hand written letter to validate this alleged debt. I did not received a response. I then contacted the company via telephone. After speaking with a representative she informed me that this alleged debt reporting is {$1300.00}. This inaccurate information is hindering me from a better quality of life. XXXX is reporting this alleged account as an closed account for the amount of XXXX. Which was sold to a third party debt collector whos stating the account balance is XXXX. This isnt factual reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I have XXXX Credit Card with XXXX XXXX. I never received a 1099c for charged off debt. I have reporting requirements with the INTERNAL REVENUE SERVICE. An unpaid charge off is considered ordinary income by the INTERNAL REVENUE SERVICE. Income can not be stated on a consumer report. Where is my 1099C?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MS

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 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 2025-10-08 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: IN

Complaint narrative:
I have uploaded proof of identity as well as documentation verifying that I am a victim of XXXX XXXX to Transunion, Equifax, and Experian. They have all refused to remove & block this information from my credit report. As a result, I am submitting this complaint urging them to remove this account within 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have uploaded proof of identity as well as documentation verifying that I am a victim of XXXX XXXX to Transunion, Equifax, and Experian. They have all refused to remove & block this information from my credit report. As a result, I am submitting this complaint urging them to remove this account within 4 business 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 explanation
Consumer complaint received 2025-10-08 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
my work hours have been cut. I just paid an {$800.00} medical bill. I have a child at home single parent things are hard {$100.00} in overdraft fee is unacceptable. Im doing the best I can. Im pretty sure Chase CEOs dont need my XXXX dollars. 
XXXX {$34.00} fees Im sure theyll be more they need to stop this. Im not doing this to them on purpose. Im not trying to be broke.

This is craziness they literally take from the poor and give to the rich. Its absolutely bonkers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-08 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: AR

Complaint narrative:
Experian Has refused to remove inaccurate accounts from my consumers report. The accounts as follow was opened by fraud and identity theft : XXXX XXXX, and XXXX XXXX. The addresses on my consumer report is inaccurate and has not been removed as follow : 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 explanation
Consumer complaint received 2025-10-08 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: NY

Complaint narrative:
This complaint concerns multiple accounts on my credit report and is not a mistake. The information being reported for these accounts contains material inaccuracies and fails to meet the standard of maximum possible accuracy. These persistent errors have harmed my credit, undermined my financial stability, and caused substantial stress. I require an explanation for why these accounts are being reported, who furnished the information, and what documentation, if any, supports their reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: Kriya Capital, LLC
State: SC

Complaint narrative:
This information is incorrect. Ive never been contacted by this consumer about this debt. Im not sure who they are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: IL

Complaint narrative:
i have reviewed my credit report and found unverified items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
This is a formal dispute. My credit report contains inaccurate information that does not meet the Fair Credit Reporting Acts standard of maximum possible accuracy. These errors are causing ongoing financial harm and emotional distress. This complaint is legitimate and requires immediate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: FL

Complaint narrative:
I blocked my debit card from being charged by certain merchants. One of those merchants tried to charge my card and it was blocked successfully however the same transaction was tried again a few seconds later and allowed to go through. I was told by customer support that there was an error in recognizing the second transaction due to it being the same merchant, time, and amount as the first blocked transaction. I was advised to file a claim in order to recover the funds, which I did. I was then told my claim had been denied and they would not be correcting the error. This mistake and lack of accountability from the financial institution has already cost me hundreds of dollars in late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SG and Associates
State: MI

Complaint narrative:
They have been contacting family members and requesting financial stuff from family members that I do not talk too

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 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been trying to get Bank of America to give me details on my personal banking account ending in XXXX for several months. It was my primary bank and only bank card for about a year. Between XXXX and XXXX, when they closed my account. I should have had a balance of {$10000.00} as I had several paychecks deposit with no use of account at all other than my payroll deposits. In XXXX I suddenly could not log in to account, they disappeared from my banking online. And I can only see my investment account online. Between XXXX and XXXX I had {$10000.00} of payroll from LAZ Parking deposited and would have been the majority of balance, no money coming out. No spending, and no transfers. However suddenly in XXXX with no actual notice of any kind my accountwere missing when my payroll bounced back I logged in and learned there was no accounts on my profile. Just an investment account I never applied for and no money. I searched for statements but could only find a dispute for XXXX which I had never filed as I didnt use debit card. This account was being used solely to save for deposit for a semi, no usage at all of debit card between XXXX and XXXX when my payroll notified me of failed deposit and account closure. I have no idea why Bank of America terminated account. But I havent received any info. When I call I am told they are not allowed to give info. That it will be mailed in notices but no notice ever mails. The attachments include my payroll check deposits and that letter that shows online saying about some unknown dispute. If Bank of America can not correct the error they should at least refund my money, and figure out why this happened. They are to big to say this is theft, feels like it, but its likely a combination of error and procedures. I just want my money back even if I bank elsewhere as I am not actually overly confident in their bank any longer.

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 2025-10-08 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 Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9600.00}

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 2025-10-08 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: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
My credit was pulled without my permission. I now have unauthorized inquiries.

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 2025-10-08 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: TX

Complaint narrative:
I sent this letter to the furnisher with no proper documentation in return, just a response that says " it is correct '' This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. Dates in question, XX/XX/year> RE : ACCOUNT NUMBER : XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy.15 usc 1666b clearly states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the information in section 1637b was mailed to the consumer not later than 21 days. I want to note it is past 60 days and this information was not received. If they are unable to provide that proof, or if lacking proof of these payments being late. please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws

Company response to consumer: Closed with non-monetary relief