vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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: WA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I used Remitly to sent money to my own account in XXXX. I sent {$280.00} ( USD ) that should be XXXX ( XXXX  ) and I never received it. 

I sent another transaction with the same amount just different hour because I really needed the funds be deposited on my account. 

I received the transaction XXXX, but I did not received XXXX. I provided Remitly every proof ( bank statements, disputed closing letter, ID, etc ) and they kept saying that the transaction was marked as successful and its nothing that they can do. 

I asked for the proof of disbursement but they are not allowed to provide me that information, I told them that I needed because if so I can claim the money to the bank where I supposed to received the money. 

They said that they contacted the bank that helps them to sent money all over XXXX but they are still working on it and, has been already XXXX  months since then. 

I contacted Remitly a lot of times, I sent them everything that they needed but they keep telling me the same thing without any solution. That has been provoque me stress and a lot of struggles cause is money that I can use and was money that I needed a lot at that time. 

Also, I submitted a dispute through the bank, the bank gave me a provisional credit during the investigation, unfortunately Remitly won the dispute cause they provided information about the transaction that was completely successful. But the one that I did not received is still pending for a resolution and information about it. So the bank removed the provisional credit from my account and gave it to Remitly again.

They are not able to help me and Im tired of all of this. Thats why Im presenting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Even though the balance was cleared, my report still lists late remarks.

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 2025-10-03 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: TX

Complaint narrative:
Even though the balance was cleared, my report still lists late remarks.

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 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: TX

Complaint narrative:
I am filing a complaint against TransUnion and Equifax for mishandling my disputes in violation of the Fair Credit Reporting Act ( FCRA ).

I disputed the following accounts as inaccurate and unverifiable under FCRA 611 : XXXX XXXX  / XXXX XXXX  ( Charge-off ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Fair Collections & Outsourcing ( Eviction Collection ) Despite my 2 disputes sent by certified mail, TransUnion continues to verify these accounts without providing proper documentation or the required method of verification. TransUnion has failed to conduct a reasonable reinvestigation and continues to report accounts that are inaccurate, obsolete, or unverifiable.

Violations include : FCRA 611 Failure to reinvestigate disputed accounts.

FCRA 611 ( a ) ( 7 ) Failure to provide the method of verification.

FCRA 607 Failure to ensure maximum possible accuracy of consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
A lady named XXXX called from XXXX claiming I need to pay them from Acima loan. Left very threatening messages of location tracking and law suits and has been very aggressive with threats. When I asked for a receipt for payment they told me they do not email receipts and it the just the bank statement. I was not told about any lawsuit or collections attempting to reach. I would like this forwarded to acima as this third party collections seems to be an ongoing scam with others. I believe my information was sold or stolen

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
addresses are being frauded, accounts are being opened, bank accounts open not showing up on credit, XXXX XXXX. money stolen from XXXXXXXX XXXX account, bank did absolutely nothing. XXXX XXXX account stolen from as well they did nothing as well. 

XXXX account self crediting XXXX wifi fraud alot of fraud

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 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Relay Financial (US), Corp.
State: IL

Complaint narrative:
Relay Bank froze my business account on XX/XX/year> after I transferred about $ XXXX from my XXXX business account. They requested documentation, which I fully provided, including company formation papers, XXXX statements, property documents, and identity verification from my business partners. 

Despite full compliance, on XX/XX/year> Relay informed me that my account was closed and that my $ XXXX in business funds would be withheld for XXXX  days before being returned. This decision has created severe hardship, as these funds are essential for vendor payments, payroll, and ongoing business operations. 

I request that the CFPB intervene and require Relay to release my funds immediately, rather than imposing an unnecessary XXXX delay that is threatening the survival of my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-03 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: DC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
They damaged my perfect credit just for not having knowledge of the debt, even furthermore, as soon as I contacted them to pay even though it was not a fair payment since the apartments for which they were charging was an exaggerated payment, an abuse what they charged, I only demand that they repair my credit, that is why I paid them. I gave them a payment for XXXX XXXX XXXX in the amount of XXXX for exaggerated damages that were their fault for not properly repairing the apartment during my stay. Even so, I paid them, I just want them to remove the negative that they left on my credit. My complaint is for Rent Recovery Solutions

Company response to consumer: Untimely response
Consumer complaint received 2025-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CredHub, Inc
State: NY

Complaint narrative:
I loved out of my apartment paid XXXX Im money order and told them to keep my security deposit to pay the remaining balance. My property manager gave me a copy of the ledger reflecting these payments and the company XXXX decided to ignore the payments and still post inaccurate information on my credit report. I have the ledger from the property manager Im just not understanding whats going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding CAVALRY PORTFOLIO SERVICE in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the CAVALRY PORTFOLIO SERVICE containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in California Without proof of ownership or a chain of title, CAVALRY PORTFOLIO SERVICE has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

I am requesting the following : 1. Immediate deletion of any credit reporting related to this account.

2. Cessation of all collection activity unless and until full validation and legal standing are established.

3. A complete investigation by your agency into CAVALRY PORTFOLIO SERVICE 's practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful.

Account Details ( if required by platform ) Collector : CAVALRY PORTFOLIO SERVICE Original Creditor : XXXXXXXX XXXX  Alleged Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX Date of alleged charge-off or transfer : [ XXXX ] Date of collector 's first contact : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
To : Resurgent Capital Services , L.P . 
Re : Formal Dispute under the FCRA, CCCRAA, and Rosental FDCPA Account Number : XXXX Dear Resurgent Capital Services, This letter is a formal dispute of the validity of the alleged debt referenced above, as well as a direct challenge to the accuracy of the information you are furnishing to the consumer reporting agencies under the following laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 California Consumer Credit Reporting Agencies Act ( CCCRAA ), Cal. Civ. Code 1785.25 et seq. 
Rosenthal Fair Debt Collection Practices Act, Cal. Civ. Code 1788 et seq. 
On XX/XX/2025, I submitted a debt validation request pursuant to my rights under federal and state law. Your response failed to provide sufficient documentation to validate the debt or substantiate your legal authority to collect and report it. Simply providing billing statements and a generic account summary does not constitute proper validation or a reasonable investigation. 
Under the FCRA and CCCRAA : The chain of title from the original creditor to the current debt owner A contract or agreement bearing my signature or other evidence that I am legally obligated to pay A detailed breakdown of the amount claimed, including interest, fees, or other charges As required by 15 U.S.C. 1681s-2 ( a ) ( 3 ) and Cal. Civ. Code 1785.25 ( a ), if you are furnishing information about this account, it musted be only accurate and complete information to the consumer agency. If any information is found to be inaccurate or incomplete, you must promptly correct or delete it. 
Under the Rosenthal Act : Your communication and collection efforts must comply with California Rosenthal Fair Debt Collection Practices Act ( Cal. Civ. Code 1788.10-1788.32 ). Continuing to pursue this debt without meaningful validation and failing to acknowledge a legitimate dispute and failing to constitute unlawful collection activity under the state law. 
Therefore, I am requesting the following actions : 1. Immediate cessation of all collection efforts until proper validation is provided ; 2. Full documentation establishing your legal authority to collect the debt, including a complete chain of title and any signed agreement ; 3. Written confirmation that this account is marked disputed with all credit reporting agencies to which it has been furnished ; 4. Removal or suppression of the tradeline if you can not provide a complete and reasonable investigation result within the required timeframe.

5. Demand deletion from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
After a 90 day grace period regarding cashiers checks status on XX/XX/XXXX I had my niece who is familiar and works with the law, firm, assisting and filing legal documents. 
At this meeting at this meeting, my niece question bank of Hawaii XXXX as to why they continued to exhibit furtive behavior, and mannerism too questions regarding results of their supposed investigation of the reported missing or stolen checks due to me being a third-party bank of hawaii XXXX XXXX XXXX continuous inquiries by a phone calls and messages with no regard to myself, even though those supposedly cashier checks were in my name. After this meeting with my niece Bank of Hawaii, all of a sudden response to me in a letter with the results of their supposedly investigation the results were that I had no evidence or documentation about ever having filed and submitted. My argument and interest was only to follow the money after the fact .. bank of Hawaiis letter to me about their position on this matter with the language, they used is pretentious, misleading, and irrelevant as far as Im concerned the gist of this in its entirely is that both parties mutually and eventually acted to cover up what was the inevitable.. 
Those cashiers checks were never made.. 
Only when I made it a point to follow the money, unbeknownst to me this blew up in their faces..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Today on XX/XX/XXXX XXXX I was resting because I have a mild case of covid and I am a XXXX  citizen with a XXXX someone came to the door to serve a summons I couldn't go downstairs my daughter received it they have been calling me day and night I'm afraid I stopped answering the phone I told them I don't have any money but my XXXX Social Security and I could only pay a small amount each month but the calls won't stop sometimes men are on the phone with a heavy voice and I'm afraid I don't know what to do I don't have the money when I got the credit card I have family helping me but things have gotten so difficult for everyone they can't afford to help me and take care of their families too what can I do please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX a XXXX  payment in the amount of {$80.00} was sent to the wrong recipient by mistake. Unable to cancel or edit I contacted this person XXXX XXXX who responded aggressively stating that he didn't even have that account anymore, and that he was unable to do anything about it and that don't bother him again. He did not claim that money and the money is still floating in the middle in between capital one and XXXX. I contacted capital one and file a dispute which capital one denied stating that it was my fault as of right now the money has not been claimed and will not get claimed. I contacted another representative from capital one just today and he just lectured me about being more careful in the future. This is unacceptable in these times, not being able to cancel or edit a transaction and then having to just shrug your shoulders on And give up on money. I am not satisfied with the outcome and demand resolution to send back those {$80.00} to my checking account. at this point XXXX and capital one are stealing my money and playing stupid between one another.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * COMENITYCAPITALBANK/XXXX XXXX XXXX  Regarding : * * COMENITYCAPITALBANKXXXX  Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Complaint : * * I am disputing the way COMENITYCAPITALBANK/XXXX  is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ).

Both notices are mandatory, and the furnisher must provide them to me in writing.

* * Details of the Issue : * * - The account in question is a credit card issued by COMENITYCAPITALBANKXXXX - The account reported positively for a period of time. 

- After I became delinquent, COMENITYCAPITALBANK/XXXX  charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. 

- I never received an Adverse Action Notice. 

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. 

- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. 

* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies.

2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing.

* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.

- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB.

- Written confirmation that proof is provided or deletion of the charge-off occurs.

Company response to consumer: Closed with non-monetary relief