vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: CT

Complaint narrative:
I am disputing a collection account being reported by Professional Debt Mediation on behalf of my former landlord. This debt is based on deductions from my security deposit. 

Under Connecticut General Statutes 47a-21 ( d ) ( 2 ), a landlord must return the security deposit plus interest or provide an itemized statement of deductions within 21 days after the end of tenancy, or within 15 days of receiving a written forwarding address, whichever is later. 

My tenancy ended on XX/XX/year>. I provided my forwarding address in writing on XX/XX/year>. This made the landlords statutory deadline XX/XX/year>. Instead, the landlord sent an itemized invoice on XX/XX/year> 12 days late. 

Under XXXX  law, because the landlord failed to comply with the 21-day rule, they forfeited the right to retain any portion of my security deposit. The debt being collected is therefore not legally valid. 

I have written to Professional Debt Mediation twice with evidence, but they continue to verify the account with XXXX  as valid. I am requesting that the CFPB require the collector to : Cease all collection activity on this account Delete the tradeline from my credit report Provide written confirmation that the matter has been closed Supporting documentation includes : Forwarding address email ( XX/XX/year> ) Photos showing no damages Invoice dated XX/XX/year> ( beyond statutory deadline ) XXXX  reinvestigation results showing continued verification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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:
I am writing to formally dispute and demand the immediate removal of fraudulent accounts appearing on my Experian credit report due to identity theft. As a documented victim of the XXXX  XXXX  data breach, my personal information was unlawfully exposed, leading to the unauthorized use of my identity. The fraudulent accounts listed below were opened without my consent and must be removed immediately in compliance with the Fair Credit Reporting Act ( FCRA ) 605B.

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 2025-09-14 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: Self Financial Inc.
State: LA

Complaint narrative:
Follow-Up New Evidence. On XX/XX/XXXX, I submitted a complete FCRA 605B identity theft block package ( FTC Report # XXXX, government ID, proof of address, and signed non-ownership affidavit ). Self Financial is listed in that report. Despite this, Self continues to furnish a false late payment ( XX/XX/XXXX ) on a closed/paid tradeline, and continues furnishing to XXXX, XXXX, XXXX, and Innovisall of which are currently under CFPB complaint for failing to block within the 4-day statutory deadline ( 605B ( b ) ).

This is unlawful for several reasons : 605B requires deletion/block within 4 business days ; deadline expired XX/XX/XXXX. Self is still furnishing.

611 ( a ) ( 5 ) ( A ) requires unverifiable information to be deleted. Self has produced no contract, ledger, or validation.

611 ( a ) ( 7 ) requires a Method of Verification ( MOV ). None has been provided. 

607 ( b ) requires maximum possible accuracy ; furnishing a late on a closed/paid account is inherently inaccurate and misleading ( see XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

623 ( a ) ( 3 ) requires furnishers to correct/update disputed data ; Self has not. 

Case law ( XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX ) confirms that furnishers can not rely blindly on automated processesthey must conduct a reasonable investigation. Self has not. 

Independent evidence : XXXX letters ( XX/XX/XXXX & XX/XX/XXXX ) confirm no disputes or validations were recorded in the past 12 months, which directly contradicts Selfs ongoing furnishing and CRA reinvestigation claims.

Because Self continues to furnish through CRAs that are themselves in documented non-compliance, every update compounds the systemic harm. Each day this persists, my credit score is suppressed, my housing/borrowing opportunities are impaired, and Selfs liability under FCRA 616617 increases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: LA

Complaint narrative:
Follow-Up New Evidence : On XX/XX/year>, I filed FTC Identity Theft Report # XXXX, which documents that I am a victim of identity theft. This report identifies AmSher Collection Services as one of the fraudulent accounts being reported and collected under my name.

This is the first time AmSher is receiving my full FTC Identity Theft Report, proof of identity, proof of address, and sworn non-ownership affidavit. Despite this, AmSher continues to furnish false information to the credit reporting agencies and attempt collection without providing any proof of ownership or validation.

Violations and Failures : FDCPA 809 ( b ) : AmSher has not provided validation of the alleged debt despite my demand.

FCRA 605B : The account should have been blocked within 4 business days of my FTC report submission, yet AmSher continues reporting.

FCRA 623 ( a ) ( 3 ) : AmSher has failed to correct or delete disputed information.

FCRA 607 ( b ) : They are furnishing inaccurate information without ensuring maximum accuracy.

Consumer Harm : Each day AmSher furnishes false information and attempts to collect, I suffer real harm : suppressed credit scores, lost financial opportunities, and emotional distress.

Requested CFPB Action : I request that the CFPB intervene and require AmSher to : Immediately cease all collection activity. 

Permanently delete this fraudulent tradeline from all CRAs ( XXXX XXXX XXXX XXXXXXXX, XXXX ). 

Provide written confirmation of deletion and closure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
This account XXXX XXXX is not mine. I didn't authorize it. Please investigate and I want that remove from my credit report. I want in an Investigation too from XXXX XXXX for proof I'm legally responsable. Certied mail, return receipt requestedso they have proof. I also want investigation in the collection agency Firstpoint Coll Reso. for me this institution didn't work properly, on what requirements they accept to report a colletion. I never have insurance from XXXX XXXX, I'll never pay for a dept is not mine, for a service i never have. XXXX XXXX insurance need punishments and the collector Firstpoint Coll Reso for me they don't work properly and they focus in getting money and destroy people for bad credit mean life is done, they can't play like that to people credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
XXXX XXXX  XXXX  reported an evictions on a 3 day notice. I moved out during this time and had no balance due. 

XXXX XXXX  XXXX  we created a payment plan in XX/XX/XXXX that was fulfilled never was informed on a eviction I was able to get these both removed off a court documents and would like to get these removed off of tenant screening because these are fastly reported as court evictions XXXX day notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
Some were removed and some not I have no knowledge of these accounts and its ruining my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint regarding Lobel Financials failure to provide a required IRS Form 1099-C ( Cancellation of Debt ). 
I had an auto loan with Lobel Financial. 
The vehicle was repossessed and the account was subsequently charged off/placed in collections. 
Per IRS requirements, lenders must issue a Form 1099-C to the borrower when a debt is canceled or forgiven. 
Lobel Financial has not provided me with this form, leaving me unable to accurately report income and meet my federal tax obligations. 

I have attempted to resolve this matter directly with Lobel Financial but have not received the required documentation. I am requesting that the CFPB compel Lobel Financial to : 1. Provide me with the IRS Form 1099-C for the canceled debt.

2. Correct any related reporting with the IRS if it has already been mishandled.

This failure is causing me financial harm by preventing me from properly complying with federal tax laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: GA

Complaint narrative:
So tired of the repeated calls XXXX or more times a week from Capio. Always call from different numbers, so blocking does no good anymore. They are always rude and withholding of information, demanding I give my name, date of birth etc. before they will even say who they are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I discovered that Portfolio Recovery Associates is reporting an account on my credit file. I have no recollection of any business or agreement with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

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 2025-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I disputed all negative accounts on my TransUnion credit report beginning XX/XX/2025. At the time of my disputes, I specifically requested the method of verification for each account under FCRA 1681i. TransUnion failed to provide the requested MOV and instead continues to verify the same accounts without producing any evidence. 

As of my latest report dated XX/XX/2025, the following 24 accounts remain listed negative, all verified without MOV : XXXX XXXX XXXX XXXX  ( {$33000.00} ) charge-off XXXX XXXX XXXX XXXX XXXX {$21000.00} ) charge-off XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} ) charge-off XXXX XXXX 2 accounts ( charged-off/sold XXXX XXXX XXXX XXXX  ( {$970.00} ) 120 days past due XXXX XXXX XXXX ( {$56000.00} repo + 1 paid repo ) XXXX XXXX XXXX XXXX XXXX XXXX ( {$4900.00} ) XXXX XXXX XXXX XXXX XXXX XXXX  ( {$600.00} ) charge-off XXXX XXXX XXXX  XXXX XXXX ) ( {$12000.00} ) collection XXXX XXXX XXXX  ( {$150.00} ) charge-off XXXX XXXX XXXX ( {$1500.00} XXXX past due Upgrade XXXX ( {$2600.00} XXXX charge-off XXXX XXXX ( {$1700.00} ) XXXX XXXX XXXX XXXX  ( {$69000.00} ) 90+ days past due XXXX XXXX XXXX XXXX  accounts XXXX {$410.00}, {$630.00}, {$550.00} ) collections XXXX XXXX XXXX factoring accounts ( {$490.00}, {$1700.00} ) collections XXXX XXXX ( {$510.00} ) collection XXXX XXXX XXXX XXXX  XXXX accounts ( {$1000.00}, {$1400.00} ) collections This is a clear violation of : FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) TransUnion failed to provide the MOV after I requested it. 

FCRA 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation.

FCRA 1681e ( b ) Failure to maintain maximum possible 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 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, Bank of America closed a joint checking account that I shared with another individual. The closure was reported to XXXX  and XXXX XXXX XXXX as Suspected Fraud Activity, even though the record itself shows No Monetary Loss. 
I had no involvement in any of the activities that led to the closure. I never deposited cash or checks, never wrote checks, and only transferred funds from my own personal account for legitimate purposes. Any suspicious transactions were conducted solely by the other account holder without my knowledge or consent. 
On XX/XX/year>, I mailed a written dispute letter to Bank of Americas Deposit Services Operations department requesting correction and removal of this record. More than 30 days have passed, and I have received no case number, response, or resolution. 
I am requesting that Bank of America immediately investigate this matter, update their internal records to reflect that I bear no responsibility, and notify XXXX  and XXXX XXXX XXXX to permanently remove this negative record from my 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 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/XXXX I received an email notice stating my credit line was reduced on XX/XX/XXXX from {$19000.00} to {$5000.00}. I called and spoke to a customer service rep and supervisor to discuss the matter because they did it before, but reinstated and I was told to use the card more to prevent that from happening which I did. I just used the card in XXXX for a XXXX XXXX for a trip scheduled in XXXX. XX/XX/XXXX they reduced my credit line by {$14000.00} before my trip! I was told they could reinstate my {$19000.00} credit limit if I agreed to a soft pull on my credit, which I agreed to although I was told my credit limit was NOT reduced due to my credit score ( which is EXCEPTIONAL ) or my credit history with Barclay which is also EXCEPTIONAL. I have absolutely NO late payments since Ive been a customer since XXXX. After unfreezing my credit file and verifying my employer, my annual income, and home ownership they did a soft pull on my credit and DENIED my reinstatement! They could NOT tell me the basis of the denial and I had to wait for the reason in the mail. Well I received the letter and THERE WAS NO REASON for credit line decrease! The letter stated the reason for credit line reduction was " There was a recent credit line change on this account ''. That's it, that's the only reason given! Not my credit score, credit history, inactivity, NOTHING justifying the {$14000.00} credit line decrease leaving me with only {$5000.00} limt.

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 2025-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I had my local bank wire {$200000.00} to Bank of America to pay for equipment I was purchasing from company I thought I was legitimate. BoA flagged the transaction as fraudulent and cancelled the wire due to possible fraud. I was relived that they caught something like this preventing me being scammedthe problem is BoA never returned my funds to my local bank. My bank ( XXXX XXXX XXXX XXXX XXXX ) requested the funds to be credited back to my account. Its been over 15 days or more and no funds have been returned. On XX/XX/year> the bank manager from XXXX XXXX XXXX  called me and informed me that they had completed the paperwork that Bank of America requested they complete to have the funds returned. The bank manager asked when could the customer expect his funds to be refunded. Bank of America told him that it could take 90-days to return the funds. 

The funds were rejected by BoA. My bank immediately initiated a recall request to return the funds. '' Citing Compliance and Legal Pressure US banks must comply with Federal Reserve wire transfer regulations, the Office of the Comptroller of the Currency ( OCC ), and FinCEN 's anti-money laundering regulations. 

If the receiving account can not accept the funds, they have no right to permanently freeze my funds. The funds are from a legitimate source and there are no XXXX issues. If the funds are refused, they should be returned via the same method XXXX XXXX XXXX XXXX XXXX did everything they could to have BoA return the funds and they keep telling my bank funds will take 90-days to be returned and that sounds illegal. 

I need BoA to release these funds immediately. This money is from a home equity loan I took out with XXXX XXXX for $ XXXX. Im making monthly payments on this loan and I need these funds returned to me ASAP as it is now creating a hardship for me and my family. 

Here is the BoA branch address that has been holding my funds since XXXX XXXX. Theyve had my funds for more than 15 days and they gave no justification to hold on to them this long or gave no justification as to why it could take up to 90-days to have my funds returned. These actions seem illegal and without merit or justification. 

Here is the address : Bank of America XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX I am a XXXX  year XXXX XXXX Retired Veteran and I never in my life experienced such a rotten disgusting way a financial institution like BoA can treat people like this. 

BoA themselves seem to be committing fraud in the same manner they stopped scammers from committing fraud against me. 

Here is my local banks info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PH : XXXX XXXX Please help me in getting my funds returned to me. 

Thank you 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 2025-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diverse Funding Associates LLC
State: MO

Complaint narrative:
I disputed this debt with the initial debt collector and won the judgement, getting it off of my credit report. The debt was sold and bought by DNF Associates, LLC. Who began calling and texting me at all hours of the day and night. I answered one phone call and requested a breakdown of this debt and the operator just wanted to know my address and birthday. I then got a letter in the mail that was a doctored court document as garnished wage with case numbers XXXX and a fill and sign addition of XXXX in the same header. My employer at that time who had no record of notice of garnishment. I disputed this debt from my report and it was removed and then placed back on a little over a year ago. I disputed again and received the same court document ( 2022 ) from XXXX XXXX XXXX XXXX XXXX XXXX Attorneys at law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where they erased my previous employers name and fill and signed my new employers name. I, again, went to my payroll office to ask if they had received any documentation of a garnishment on my behalf and they replied no and began doing their research on why a sister company under our umbrella 's attorney office was copy and pasted into this court document.

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