vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
My loan servicer, XXXX, submitted a credit reporting correction to all three credit bureaus. Both XXXX  and XXXX  have already updated the information correctly. TransUnion has not updated the account, even though the correction was submitted at the same time to all three bureaus. 

I contacted TransUnion through their customer service chat on XX/XX/year>, and the representative did not address my questions, provided no explanation for the delay, and did not offer instructions on how to resolve the issue. The chat was ended without assistance or next steps. As a result, my report remains inaccurate, and this delay is affecting my ability to proceed with important financial matters. What I have already done : Confirmed with XXXX that the corrected information was sent to TransUnion. 
Requested an update from TransUnion. 
Provided all necessary details about the corrected account. 
Verified that both XXXX  and XXXX  successfully processed the same update.

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: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: NJ

Complaint narrative:
I applied for a home equity loan at Omaha Mutual Mortgage company in XX/XX/XXXX and in XXXX was requested to pay for an appraisal of my home, the fee was {$520.00}. The loan agent, XXXX XXXX, fraudulently mislead me to believe that I was approved for the loan, and advised that an appraisal was required to complete the process and close the loan. I had an appraisal of my home on XX/XX/XXXX, after the appraisal, XX/XX/XXXX, he gave me ( XXXX ) closing dates, cancelled them and thereafter was fired for failing to process loan applications, etc.

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I never opened this account, and its presence on my report is inaccurate.

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: SC

Complaint narrative:
I never opened this account, and its presence on my report is inaccurate.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and have a police report or FTC.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a messages from Chase that they can no longer have a banking relationship with me and I believe I know why I practice a certain religion which I perform XXXX XXXX XXXX for customers and I also have an XXXX store I work with my XXXX in XXXX who also assist me with these XXXX  I also pay him to assist me recently my customers have increased and I used that checking account to receive the funds unfortunately the Bank thought I was committing fraudulent activities but I am not any way I would like to work with the bank on how I can resolve this and show proof I am not committing fraud

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am submitting this dispute to request a correction to my credit report for the following inaccuracies. These accounts are being reported incorrectly by the respective credit bureaus and I respectfully request that they be reviewed and corrected according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024, {$1600.00} Inquiries : XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing INNOVIS DATA SOLUTIONS, INC. to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Part 1 Kia motor finance filled out my forms incorrectly and got my DOB wrong twice, they still do not know the correct DOB even though I have corrected it many times and they have filed credit reports for me many times. You can ask them what my DOB is and it will be incorrect. They have claimed many times that they can't speak to me because I don't know the random date they have recorded for my DOB.

Part 2 I went to do a lease buyout from them and they gave instructions on where to send funds. Once they received the funds they cashed the check and then refused to honor the lease buyout or return the funds. I called and argued with them for XXXX  months, during which the vehicle was repossessed and I made payments on the loan amount to the financier, XXXX XXXX XXXX XXXX. What was happening is that the funds were being sent with no notes to some random XXXX office in XXXX  that has no business in auto loans. I only figured this out after months of asking them questions about it and being told " too bad '' basically. Essentially they tried to steal a very large amount of money from me. I have the ledger statements from XXXX showing that they cashed the check in XXXX of XXXX. They have filed derogatory remarks and late payments in months after XX/XX/XXXX and completed a repossession of the vehicle in XX/XX/XXXX.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Formal FCRA Dispute Incorrect Late Payment Reporting Account : XXXX  Mortgage Account No. XXXX Creditor Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Bureau, I am writing to formally dispute the XXXX late payment reporting that appears on my credit file for my XXXX  mortgage account XXXX. This late mark appears in XX/XX/year> and XXXX XXXX, and it is inaccurate, incomplete, and unverifiable. This furnisher is required by law to maintain accurate reporting under the Fair Credit Reporting Act ( FCRA ) and can not report information that is incorrect or unverifiable. LEGAL GROUNDS FOR MY DISPUTE 1. FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Duty to report accurate information A furnisher may not report information that it knows or has reasonable cause to believe is inaccurate. The reported late payment is not accurate based on my records and payment confirmations. Therefore, this tradeline reporting violates this section. 2. FCRA 1681s-2 ( b ) : Duty to investigate after dispute Once the bureau notifies the furnisher of this dispute, the furnisher must : Conduct a reasonable investigation, Review all relevant information, Correct or delete inaccurate data. 3. FCRA 1681e ( b ) : Duty of the credit bureau to assure maximum possible accuracy You must ensure the reported information is complete and accurate, and remove or correct anything that can not be fully verified. 4. FCRA 1681i ( a ) : Right to reinvestigation Because I am disputing this information, you must perform a reinvestigation within 30 days and provide written results. REQUESTED ACTION I request the following action in compliance with federal law : Conduct a full reinvestigation of the late payment reporting on the above mortgage account. Obtain full payment records from the furnisher to verify the late mark. DELETE the inaccurate late payment ( s ) if the furnisher can not provide full evidence such as timestamped payment logs proving the delinquency occurred. Provide me with a new updated credit report once the reinvestigation is completed. Attached Evidence ( Include any that apply ) Bank statements showing payment Mortgage payment confirmations Correspondence with the lender Any proof showing you were not late Certification I certify that the information I am disputing is true and correct to the best of my knowledge. Thank you for your prompt attention. Please complete your reinvestigation within the timeframe required by the FCRA and provide me with written confirmation of the results. Sincerely, XXXX XXXX XXXX

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: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am filing a complaint regarding Midland Credit Management ( MCM ) for inaccurate reporting and failure to provide proper debt validation. 

MCM is reporting an account allegedly purchased from XXXX ( Account # XXXX ) in the amount of {$3500.00}. The information they are furnishing to XXXX  contains multiple inaccuracies, including : Reporting the entire balance as a past due amount, which is not applicable to collection accounts Inconsistent dates for status updated and balance updated Reporting inaccurate Terms : XXXX Month not applicable to a debt buyer Failure to provide verification of the debt, ownership, or chain of assignment Failure to provide documentation from XXXX proving the account is mine I sent Midland a written request for validation pursuant to the FDCPA ( 15 U.S.C. 1692g ), but they have not provided documentation proving the accuracy of the debt, any agreement bearing my signature, or proof of legal ownership.

Despite this, Midland continues to report the debt to XXXX, which constitutes : Failure to properly validate the debt Furnishing inaccurate information in violation of the FCRA Continuing collection activity without validation I am requesting CFPB assistance to : 1. Require Midland to provide full documentation validating the alleged debt, OR 2. Require Midland to remove/delete the inaccurate account from all credit bureaus 3. Ensure Midland ceases reporting unverifiable or incorrect information I am seeking correction of the reporting and proper compliance with both the FCRA and FDCPA. 

Thank you. 
XXXX XXXX

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report. These entries contain inaccuracies, and I request they be investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXXXXXX, XX/XX/XXXX, {$410.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$130.00} XXXX XXXX, XX/XX/XXXX, {$0.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$790.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$690.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, {$730.00} XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$780.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$280.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$740.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1200.00} Inquiries XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: WI

Complaint narrative:
My account was closed for an unknown reason. I appealed it and they decided to suspend my account indefinitely for violating their terms and conditions. I do not know what was done that violated their terms and conditions. I reached out to them and no one could give me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I cancelled my XXXX XXXX  account ( XXXX ) and all XXXX authorizations before selling our home ( closed XX/XX/year> ). On XX/XX/year>, XXXX debited {$290.00} from my checking account without permission, after cancellation of account and ACH authorization, for a delivery made to the new owners. 
I have contacted XXXX multiple times and was promised refunds each time ( XX/XX/XXXX phone ; XX/XX/XXXX chat with XXXX ; XX/XX/XXXX with XXXX in XXXX XXXX ). No refund issued. Instead, XXXX applied my {$290.00} to the new owners account ( see attached invoice ). They also changed the name on account to buyer 's name and apparently applied payment to amounts owed by buyer - Buyer was refunded the money illegally take from my account. This violates Regulation E ( 12 CFR 1005.10 ) preauthorized transfers require written authorization, and I revoked mine on XX/XX/year>. Enclosed is a detailed timeline of calls and statements by XXXX. 

On XX/XX/year>, received an email that says invoice amount is {$0.00}, but when I try to access account to see if credited, etc. XXXX website is requiring to sign a new customer service agreement to access the invoice. I am no longer a customer and will not sign a new customer agreement just to see the invoice, and I still have not receive the refund. 

On XX/XX/year> I received a text that says " You have a billing update. Tap here to view. '' The link goes to XXXX website and again requires signing a new Customer Agreement to access the " billing update ''. XXXX is requiring me to sign up for an account to see if they have remedied the situation, which they have not since I still have not received a refund of the illegally withdrawn funds.

Company response to consumer: Closed with explanation