vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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 submitting this complaint under my rights as a documented victim of trafficking as defined by the Fair Credit Reporting Act and 12 C.F.R. 1022.142. Adverse credit information was reported across multiple accounts as a direct result of trafficking, coercion and fraud associated with my victimization.

In accordance with the law, I submitted formal disputes to the credit bureaus requesting the removal or blocking of those items. These requests were supported by documentation, including reports filed with : Federal Trade Commission ( FTC ) Internet Crime Complaint Center ( IC3 ) National Human Trafficking Hotline ( Polaris ) Texas Office of the Attorney General The adverse items affect both Experian and TransUnion and include accounts totaling hundreds of thousands of dollars in damage. The accounts were opened or fell into default during the period of my exploitation.

This complaint is submitted to ensure compliance with the FCRA 's trafficking protections and to request assistance in ensuring the affected credit bureaus fully honor the legal obligations outlined in 12 C.F.R. 1022.142.

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 2025-05-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: NM

Complaint narrative:
In XX/XX/year>, I moved out of my apartment at XXXX XXXX at XXXX XXXX. I had originally planned to move out on my lease end date, but the apartment complex asked me to leave early so they would have time to clean and prepare the unit for the next tenant. I now believe they may have had ulterior motives, as they later claimed damages that were never documented or discussed with me at move-out. 

I requested a move-out inspection, but the apartment complex refused, stating that it was not required by the lease. I paid over {$700.00} to the apartment complex at move-out, which I was told would cover any necessary cleaning or repairs. 

After moving out, I provided video and photographic evidence showing that I left the apartment in spotless condition. 

Weeks later, I was contacted by Southwest Recovery Services about an outstanding balance of approximately {$1400.00}. I disputed the debt and requested full validation. The collection agency responded with only XXXX photographs XXXX of a XXXX and XXXX of a lightbulb and claimed the carpet was replaced because a staff member sniffed it and believed it was damaged. They did not provide any photos of the carpet, third-party invoices, or formal inspection documentation. 

I believe this charge is unsubstantiated and retaliatory, and that I am being discriminated against because I had a verified Emotional Support Animal ( ESA ). My ESA was fully documented with letters from two licensed psychiatrists, yet the apartment referred to it dismissively as an untrained puppy. I believe this language and their treatment of me violated my rights under the XXXX XXXX XXXX. 

I have filed disputes with the credit bureaus, but the inaccurate information remains on my credit report. The collection agency continues to report this debt despite failing to properly validate it. 

I am requesting the CFPBs assistance in having this item removed from my credit report and holding the parties involved accountable for discriminatory practices and improper debt collection. 

I have all of this including the videos and documentation, but when I try to upload it, it says the files are too big.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  XXXX XXXX. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened- 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 2025-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I want to make a principal payment. Bank of America only lets Bank of America customers ( people using a Bank of America account to make a payment ) to make a principal payment. I can only make a principal payment if it is more than 3 times the monthly, which I find as purposely designed to prevent principal payments. Then, if I choose to pay less than Three Times the monthly, I must mail a separate check, after my monthly payment, with a note to apply it to the principal. I believe this is purposely discriminatory and designed to prevent principal payments, and exploit consumers. Why are financial institutions allowed to lend XXXX times what i have in the bank, charge me if I pull my money out, deny me access to my cash when i need it, then deny me the opportunity to pay a principal payment? The banks are purposely preventing the consumer from benefiting from a loan.

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 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
They sent me court paper saying that they sent a letter first class mail which they never sent and saying that I owe {$1200.00} which I dont know where thats coming from Ive asked them to censor information and they never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NY

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NY

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: NY

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
I paid my policy in full. 

In the months to follow I received a payment request for $ XXXX. I called progressive and disputed the amount. The representative advised this was due to not receiving a copy of my id after it was requested by mail. I told her that I had been a victim of identity theft and that I did not receive the notification and that when I made the payment in XXXX of XXXX, the representative never mentioned a request for my id. She escalated it to her XXXX and the XXXX credited the amount. I confirmed the account had been credited and no balance was showing due. 

Later I received another notification for {$37.00} balance due. I called to dispute this. The representative advised that the price adjustment was due to an at-fault accident which I was not aware of as I do not have any at fault accidents. She advised this could be resolved/credited if I provided a report showing it was not an at fault accident from XXXX. I followed up with nexislexis and retrieved a vehicle report. The report was from XXXX for city potholes that snagged the bottom of the vehicle. The report shows it was not an at fault accident. The local police department took notes of what happened at the time and said I could reach out if I wanted to officially report it so that the city could provide a reimbursement. I did not file and I am unsure how the vehicle report is appearing on my record in XXXX. 

I provided progressive the document asking them to credit my account. They responded indicating that the system would not allow them to remove it suggesting internal system issues. I escalated the dispute and was told to refer to the contract on the account. I looked on the account and only show a contract from XXXX. I followed up with progressive requesting a contract of the current term and requesting they remove it as they can not legally charge this amount. They have not responded. 

Communications from customer service have been inconsistent as well as information found on their website. My disputes are still outstanding, yet they sent the amount they show due to Credit Collection Services located at XXXX. Box XXXX XXXX, MA XXXX. 

The remaining {$37.00} is not an amount I owe and this has been confirmed by progressive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am a documented victim of identity theft. Experian previously blocked a fraudulent tradeline from XXXX XXXX XXXX after receiving my ID theft affidavit, police report, and FTC identity theft report. 

Despite this, Experian reinserted the same blocked account ( XXXX XXXX XXXX XXXX XXXXXXXX ending in XXXX ) into my credit file in violation of the FCRA. Specifically : Under 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ), a consumer reporting agency must block identity theft-related items when provided with required documentation which I submitted in full. 
Under 15 U.S.C. 1681c-2 ( c ), a blocked item may not be reinserted unless Experian certifies the accuracy of the data and notifies me in writing which they did not do. 

I have sent multiple written disputes and identity theft documentation via XXXX Certified Mail with return receipt, which was delivered and signed for. I am attaching copies of those letters, tracking confirmations, and previous dispute references. I have also previously filed complaints with the CFPB, to which Experian responded by simply stating there may be potential fraud without resolving the matter or complying with FCRA procedures.

I am requesting the CFPB enforce a permanent deletion of the reinserted tradeline and open a formal investigation into Experians continued failure to comply with federal law. I am also seeking damages under 15 U.S.C. 1681n and 1681o, as XXXX reinsertion has caused me a XXXX drop in my credit score and potential denial of housing and credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: WI

Complaint narrative:
On XXXX XXXX I settled out the account with the consumer paying {$550.00} I was promised a post settlement letter and never received. They continue to update the credit bureaus with false information falling to report this case was settled, instead they are updating as it was a payment not a settlement payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: HI

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 explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
According to 15 u.s.c 1692 ( c ) you have violated my rights in lawful communications. Please remove this collection off my credit report I do not have a contract nor did I authorize this company to obtain my information. My rights to privacy were violated under the FDCPA and FCRA I would like to request the original assignment contract with my name on it.

Documents to request that they shouldnt have 1 flow aggreement 2 ownership of debt 3 transfer of assignment 4 bill of sale 5 original contract Cant properly validate debt 15 usc 1692g debt validation ( ask for ) 1 detailed list of history of payments made by me for this account 2 my signature on original contract guaranteeing I will pay this debt 3 has there been any insurance claim filed on this debt 4 proof of chain of title to collect on this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
When I was under XXXX, I was unknowingly involved in a job application scam I found online. The scammers pretended to be a legitimate employer and had me go through what seemed like a normal hiring process. As part of the onboarding, they sent me a check and asked me to deposit it and then send a portion of the money to a third party, claiming it was for equipment or setup costs. I did not know this was a scam at the time, and I followed their instructions. The check later bounced, and I learned that the entire situation was fraudulent. I was still a minor, with little understanding of how scams like this worked, and I truly believed I was accepting a real job opportunity. Since this incident, I have been reported to XXXX  XXXX XXXX  ( XXXX  ), and now I am being denied access to basic banking services. Ive tried to open accounts with multiple banks and have been rejected without a clear explanation or any guidance on how to resolve the issue. I only receive a vague reason code, with no clear method to cure or dispute the situation. I believe it is unfair to have my financial future impacted so heavily by XXXX mistake that happened while I was still a minor, especially when I was the victim of fraud. I am requesting that the CFPB look into this issue and urge XXXX  and the reporting bank to provide a transparent explanation and a path to resolution. No young person should be forced to live XXXX for falling victim to a scam beyond their control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am submitting a formal complaint regarding the inaccurate and unlawful reporting of a collection account ( Account Number : XXXXXX/XX/XXXX by PORTFOLIO RC on my credit report. This account is not only fraudulent and unverified, but it is also being reported inaccurately and in direct violation of both federal and Texas state law. On XX/XX/year>, I sent a written dispute and validation request to PORTFOLIO RC regarding this account. I specifically requested documentation to verify the legitimacy of the alleged debt. To date, I have not received any supporting documentation, including a signed agreement, itemized breakdown of charges, or proof of ownership or transfer of the debt. The original creditor listed was contacted and could not verify the balance reporting, yet alone this account. Furthermore, my personal information was compromised in the Equifax data breach, and I have provided my official breach claim to support this dispute. I believe this account may be the result of identity theft or the misuse of compromised personal data. In addition, PORTFOLIO RC has a documented history of deceptive and abusive collection practices, which further raises questions about the legitimacy of this account. Under the FCRA, credit reporting agencies and data furnishers must ensure that all information reported is accurate, complete, and verifiable. Reporting a stale, unverified, and incorrect account constitutes a clear violation of my consumer rights. Furthermore, under the Texas Finance Code, debt collectors must provide proper validation upon request. PORTFOLIO RC has failed to comply with this obligation. Given that this account is inaccurately reported, and remains unverified despite a formal dispute, I am demanding its immediate removal from my credit report. Continuing to report this account without proper verification is a direct violation of both federal and state consumer protection laws, and it must be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX  they took XXXX out of my cash app for XXXX I don't even know what XXXX is I really need that money back and it feels like they are not going to give it back to me I didn't make the transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/2025 -When I called the customer service said they did not have the permissions or authority to change it although it was inaccurated and suggested I mail in drivers license which I had previously before, and they said they did not have it on file. I asked could I email it or my ssn, and the rep said no. However, They did move the incorrect also known as names.

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 2025-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I SENT YOU A COPY FO THE INTIAL DISCLOSURE AND I WOULD LIKE MY OWNER OCCUPIED TO MOVE WITH THE ABOVE DOCUMENTS OF TITLE, DEED, WARRANTY DEED, QUICK CLAIM, NEW TAX BILL WITH FIFTH THIRD JLL ESTATES XXXX XXXX XXXXNAME ON IT. I HAD XXXX XXXX XXXX XXXX  AND HAVE NOT RECEIVED MY DOCUMENTS.

Company response to consumer: Closed with explanation