vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
XXXX XXXX  to Company Response Re : CFPB Complaint No. : XXXX Account No. : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fair Collections & Outsourcing ( FCO ) Date : XX/XX/XXXX To Whom It May Concern, I am writing in response to the companys statement acknowledging my complaint dated XX/XX/XXXX. The response provided by Fair Collections & Outsourcing ( FCO ) and XXXX XXXX XXXX is factually inaccurate and incomplete. 
XXXX. I was not living at XXXX XXXX XXXX  when the alleged balance accrued. 
I vacated the apartment in XX/XX/XXXX, and I have already submitted proof of my move-out ( including documentation and witness statements ). Another family began occupying the same unit by XXXX XXXX, meaning the property was re-leased and the company is attempting double collection for the same apartment. This constitutes a false representation of the character and amount of debt in violation of 15 U.S.C. 1692e ( 2 ) ( A ). 
XXXX. The alleged balance is inflated and unverified. 
The companys verification does not include an itemized statement, a copy of any lease agreement showing liability beyond XX/XX/XXXX, or a signed move-out notice ( which I never submitted ). Therefore, the claim remains unsubstantiated and fails to meet the standard of proper validation required under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act. 
XXXX. Failure to correct inaccurate credit reporting. 
Continuing to report or furnish this unverified, disputed balance to the credit bureaus constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which prohibits furnishers from reporting information they knowor should knowis inaccurate. 
XXXX. FCOs response does not address the core of the dispute. 
They simply restated that a letter was mailed, without providing the legally required proof that I owe this amount or that I occupied the unit during the period in question. This does not satisfy the CFPBs verification or response requirements.

Requested Action : - Remove this account from all credit reporting agencies immediatelyXXXX XXXX  Cease collection and provide written confirmation that this debt has been closed and deemed invalid. 
XXXX Provide proof that another family was not residing in the apartment when this alleged balance accrued. 
I respectfully request the CFPB review this matter further as the collector and property have provided insufficient and misleading information.

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 2025-11-04 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: NC

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 2025-11-04 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Utah Loan Servicing, LLC
State: UT

Complaint narrative:
I am disputing a collection account reported by Utah XXXX XXXX XXXX for {$2000.00}, appearing on my XXXX  credit report. This account is reporting inaccurate, incomplete, and unverifiable information : XXXX Under FCRA 15 U.S.C. 1681e ( b ), XXXX  must maintain maximum possible accuracy, and reporting unverifiable or unvalidated accounts violates this law. XXXX Under FCRA 1681i ( a ) ( 1 ) ( A ), XXXX  is required to conduct a reasonable investigation using competent evidence, not automated data matching. XXXX Under FCRA 1681i ( a ) ( 5 ) ( A ), any unverifiable or inaccurate information must be promptly deleted. XXXX Under FDCPA 1692g, Utah XXXX XXXX XXXX must provide full validation of the alleged debt, including a signed agreement, itemized billing, and documentation proving liability, which have not been provided. I am requesting the CFPB to investigate and require Utah XXXX XXXX XXXX and XXXX  to provide proper validation of this account. If they can not produce original documentation within the required timeframe, I am requesting permanent deletion of this collection account from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-04 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: MO

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america on XXXX in XXXX XXXX  you can not reach a human. They do not answer. 
On XXXX, XX/XX/XXXX, I deposit {$250.00}. cash into their ATM XXXX XXXX 
The machine took my cash then shut down, gave a message saying it was out of service and then a cancellation of transaction message on screen. It never applied my cash deposit to my account. I filed a claim but they said it is pending and were supposed to credit my account this amount while claim pending and did not. You can check security camera showing me putting cash in machine, error messages on screen that came up and that is stole my cash. Again, nobody at this location answers phone and then the hold message just hangs up on you when you try calling their main number for location. It is as if they are avoiding the situation of stealing my money. I am a hard-working business woman with my own business and this money was needed to pay a bill due beginning of this month for my business. It is a struggle enough doing business in XXXX  but having a financial institution steal money then not be available to reach is unheard of.

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 2025-11-04 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I applied for the XXXX XXXX XXXX XXXX  credit card issued by Synchrony Bank specifically to finance a {$3500.00} purchase I planned to make the same day. I was instantly approved and given a {$1000.00} credit limit. 

However, after approval, I was informed that Synchrony restricts all new accounts to a temporary {$1000.00} limit until the physical card arrives and is activated a process that takes XXXX  days. This restriction was never disclosed before or during the application process. As a result, I was misled into applying under the assumption that I could immediately use the account for the advertised financing offers and rewards. 

When I called customer service and escalated to a supervisor, I was told there is no way to bypass this limitation and that it is standard procedure under their risk assessment policy. They were quick to offer immediate account closure but could not resolve the issue or provide a clear explanation as to why this policy was not disclosed before approval. 

This practice feels deceptive and predatory, as Synchrony and XXXX advertise instant approvals and promotional financing without mentioning that newly approved customers are effectively unable to use the credit line for larger purchases. I have excellent credit ( around XXXX XXXX ) and multiple open accounts with XXXX balances. This limitation has caused financial and emotional stress, wasted time, and forced me to miss out on the very financing and rewards the card was promoted for. 

I am requesting that the CFPB investigate Synchrony Bank and XXXX XXXXXXXX XXXX XXXX  for misleading advertising and nondisclosure of temporary credit limits that prevent consumers from using approved accounts as intended.

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 2025-11-04 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: GA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cashapp froze my account for " fraud '' even though I've received funds for the same purpose for a year and a half. I was told XXXX hours and I would have an explanation and my account would be unlocked. I called, multiple times over the XXXX hours and was told each time I " just have to wait. '' No explanation or update. They have maybe XXXX numbers and departments, and one of them is just paid to repeat whats on the screen, and the only other person after that is a manager so customer service is all but non existent. Under the guise of " your safety '' they have been holding XXXXXXXX XXXX my rent money, with no reason or explanation and it is the time that is most detrimental, as i incur late fees which they will not reimburse me for, I have multiple emails confirming so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2025-11-04 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: IA

Complaint narrative:
Inaccurate accounts are reporting to my credit file

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 2025-11-04 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: IA

Complaint narrative:
Inaccurate accounts are reporting to my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : XXXX XX/XX/XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Request to Remove Unauthorized Hard Inquiries Dear TransUnion Dispute Department, I am writing to formally dispute several unauthorized hard inquiries appearing on my TransUnion credit report. I did not grant authorization for these companies to access my credit file, as required by the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
Subject : Request for Investigation of Delinquent Accounts and Collections Dear Sir/Madam, I am writing to request a formal investigation into the following discrepancies on my credit report, which I obtained on XX/XX/year>. My credit report shows delinquent accounts and collections entries that I believe need further review and may be inaccurate or in need of update. 
Please address the following points : XXXX. Delinquencies : There are XXXX delinquent entries on my credit report. These entries may reflect incorrect or outdated information. Kindly verify and update the status of these accounts. If these accounts are not verified as accurate, I request that they be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) 611. 
XXXX. Collections : My report also lists XXXX accounts in collections. Please confirm the accuracy of these collections. If any of these are paid or settled, I request that they be marked as " Paid '' or " Settled '' accordingly. Additionally, if the collection entries can not be verified, I request their removal. 
XXXX. Inaccurate Reporting : If any of the information provided above is inaccurate or unverifiable, I ask that these accounts be deleted from my credit report, as they do not meet the FCRA 's requirements for accuracy.

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 2025-11-04 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:
Im not linked to these accounts ; they need to be deleted promptly under USC 1681g within XXXX  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 2025-11-04 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: CO

Complaint narrative:
I have received a copy of mt Experian Credit report # XXXX and it is showing erroneous, incomplete and incorrect information on a XXXX Account # XXXX. 
This account 's initial first date of delinquency occurred on XX/XX/XXXX. However, Experian and by extension XXXX XXXX have chosen to maximize the hurt and pain by re-aging the account to XX/XX/XXXX. This is an affront to the FCRA doctrine that states all information reported to and by a Credit Agency must be accurate, truthful and complete. In my case, this is not what Experian and XXXX have done. The date of deletion has been removed, doctored and manipulated to make sure that the account stays on and as a result maximize the full dosage of pain and anguish and by extension make a mockery of the FCRA guidelines. I demand that this account be deleted immediately as it is incomplete, erroneous and doctored.

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