vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Suncoast Credit Union last XXXX false report XXXX credit bureaus 3 months non payment which is false reporting! I had excellent XXXX score went XXXX! I cant rent apartment or buy house false reporting credit by Suncoast Credit Union!! My mom made payment car loan! There was only car payment was missed XX/XX/year>! Suncoast Credit Union on credit report 3 month missed payment! XXXX XXXX server damage credit report need investigate in business practice! I Suncoast credit union lock us online car payment XXXX missed car payment! Mom co signer made car loan has to mail car payment loan in Suncoast credit union never difficult pay them! I want apology or correct credit report! Me & Mom look suing XXXX sever damage done credit by false reporting none payment we proof car payment to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: AL

Complaint narrative:
I am writing to dispute the following accounts reported on my Equifax credit report. These accounts are listed as charged off, and I believe they are either inaccurate, incomplete, or require further investigation : Charged Off Accounts XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$380.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} UNAUTHORIZEDCOLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} Inquiries I also dispute the following inquiries on my Equifax credit report, as they may not have been authorized or should not be listed : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments Lastly, I dispute the following late payments that XXXX have been inaccurately reported or need further verification : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CFPB COMPLAINT CREDIT COLLECTION SERVICES ( XXXX ) {$63.00} I am filing this formal complaint because a collection agency has placed an account on my credit reports that does not belong to me, and I have never had any obligation, contract, agreement, or relationship with this collector. Their actions are damaging my credibility, harming my financial reputation, and violating multiple federal laws under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
This collection agency is reporting false, inaccurate, incomplete, and entirely unverifiable information on my XXXX XXXX XXXX XXXX reports without my consent, without a permissible purpose, and without providing a single piece of real evidence proving I owe this alleged debt. This is outrageous, negligent, and unlawful under federal regulations. 
Under FCRA 15 U.S.C. 1681e ( b ), furnishers and credit bureaus must ensure maximum possible accuracy, yet this collector is reporting unverified information that has no contractual basis and no supporting documentation.

Under FCRA 15 U.S.C. 1681b, no entity may obtain or furnish my personal information without written authorization, which I have never provided.

Under FDCPA 15 U.S.C. 1692g, a debt collector must produce real validation an original contract with my wet-ink signature, a full itemized payment ledger, chain of title, assignment agreements, and any insurance claim records. This collector has provided none of these required documents. 
Their refusal or inability to validate the debt, combined with their continued reporting, constitutes willful noncompliance, reckless disregard for federal law, and an attempt to collect a debt that is not legally connected to me. 
For these reasons, I am requesting immediate CFPB intervention. 
LEGAL VIOLATIONS FCRA 15 U.S.C. 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy.

FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : A reasonable investigation requires competent evidence.

FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Unverifiable accounts must be deleted.

FDCPA 15 U.S.C. 1692g : CCS failed to provide : Original signed contract Payment history Insurance claim documentation Full chain of title Assignment agreements FCRA 15 U.S.C. 1681b : I never gave written consent for CCS to obtain or furnish my information. 
REQUEST FOR ACTION I request the CFPB : 1. Investigate CCS 2. Require validation 3. Order deletion if they can not validate MY INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Phone : XXXX Email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have called numerous times to XXXX XXXX XXXX  This accounts have been settled/paid in full and agency had already agreed to delete this account from my credit report. Please delete off my credit report I have paid them in full. This is a very deceptive way of getting a consumer to pay a collection and not fulfilling the agreement. I have requested a letter and they state they are not reporting my account and can not find me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates Account XXXX Date : XX/XX/year> Portfolio Recovery Associates , LLC Attn : Compliance Department RE : Debt Validation Request Account Ending XXXX To Whom It May Concern, This is a formal request for validation of the above-referenced debt pursuant to the FDCPA. I dispute this debt in its entirety and request proper verification.

Please supply documentation showing : Your authorization to collect, The original creditor, A full breakdown of the amount claimed, and A copy of the original signed agreement.

Until validated, cease all collection and credit reporting activity. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
This is my second complaint regarding Bank of America. I recently discovered that the bank shared my personal information with the sellers realtor. This is a serious violation of my privacy and is illegal. While certain information can be shared with my realtor, sharing it with the sellers realtor is not permitted under any circumstances.

Because of the banks negligence and misleading communication, I suffered multiple financial and personal damages. I was fortunate to recover my home insurance payment and earnest money, but that does not come close to covering the losses I experienced.

I am requesting reimbursement for all costs directly caused by this incident, including : Bank fees Home inspection fees The required homebuyer class fee ( which the bank instructed me to take ) Additionally, due to the banks repeated assurances that my loan was approved and moving forward, my family and I prepared for the move. We gave away our couch, washer, dryer, dinner table set, and other household items based on information provided by Bank of America. After holding my application for two months, the bank notified me only four days before closing that my application was denied. This caused significant hardship, stress, and financial loss.

I am requesting full compensation for these damages and a formal investigation into the improper sharing of my personal 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 monetary relief
Consumer complaint received 2025-11-26 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX XXXXXXXX ] Account Number : XXXX XXXX  XXXX XXXX XXXX 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 2025-11-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have now mailed XXXX separate disputes to your company : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite sending XXXX lawful disputes, I have not received XXXX piece of verification for any negative item on my credit report. Not XXXX late payment validation, not XXXX collection validation, not XXXX charge-off validation, and not XXXX inquiry verification. My personal information corrections were also ignored. 
Instead, what I received were stall letters, which I now know ( from publicly available information and CFPB guidance ) are part of the bureaus known stall tactic systems, including claiming : That I am working with a third party That I submitted disputes through a credit repair company That I claimed identity theft All of these are false. 
I did not claim identity theft. 
I am not working with a credit repair company. 
I am the one who submitted every dispute. 
Under FCRA 611 ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation within 30 days. 
I gave you XXXX days each round, and you still failed to provide verification. 
Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), you must provide a description of the procedure used to verify each item. 
You did not. 
Under FCRA 607 ( b ), you must follow reasonable procedures to assure maximum possible accuracy. 
You did not. 
Under Metro 2 Compliance Standards, you are required to maintain accurate reporting, proper coding, and proper consumer dispute handling. 
You did not. 
Under FCRA 609 ( e ) and 611, you must provide documents used to verify accounts, including : Original creditor documentation Contract or application bearing my signature Complete payment history Itemized accounting Proof of assignment for any collection Matching identifying information You provided none of these. 
Instead, all three bureaus continue to verify information WITHOUT verification, which is a violation of FCRA, Metro 2, and CFPB regulations. 
Patterns of Illegal Behavior & Known Issues Your company has a documented history of : Failing to investigate disputes Using automated stall tactics Issuing third-party denial letters without evidence Adding unauthorized fraud alerts And multiple federal lawsuits, including data breach failures I am aware of your past violations, including the data breaches with all the XXXX  Yet these are the companies trusted to report and protect consumer data.

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 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have now mailed XXXX separate disputes to your company : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite sending XXXX lawful disputes, I have not received XXXX piece of verification for any negative item on my credit report. Not XXXX late payment validation, not XXXX collection validation, not XXXX charge-off validation, and not XXXX inquiry verification. My personal information corrections were also ignored. 
Instead, what I received were stall letters, which I now know ( from publicly available information and CFPB guidance ) are part of the bureaus known stall tactic systems, including claiming : That I am working with a third party That I submitted disputes through a credit repair company That I claimed identity theft All of these are false. 
I did not claim identity theft. 
I am not working with a credit repair company. 
I am the one who submitted every dispute. 
Under FCRA 611 ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation within 30 days. 
I gave you XXXX days each round, and you still failed to provide verification. 
Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), you must provide a description of the procedure used to verify each item. 
You did not. 
Under FCRA 607 ( b ), you must follow reasonable procedures to assure maximum possible accuracy. 
You did not. 
Under Metro 2 Compliance Standards, you are required to maintain accurate reporting, proper coding, and proper consumer dispute handling. 
You did not. 
Under FCRA 609 ( e ) and 611, you must provide documents used to verify accounts, including : Original creditor documentation Contract or application bearing my signature Complete payment history Itemized accounting Proof of assignment for any collection Matching identifying information You provided none of these. 
Instead, all three bureaus continue to verify information WITHOUT verification, which is a violation of FCRA, Metro 2, and CFPB regulations. 
Patterns of Illegal Behavior & Known Issues Your company has a documented history of : Failing to investigate disputes Using automated stall tactics Issuing third-party denial letters without evidence Adding unauthorized fraud alerts And multiple federal lawsuits, including data breach failures I am aware of your past violations, including the data breaches with all the XXXX  Yet these are the companies trusted to report and protect consumer data.

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 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX XXXX I got a text from PayPal ( XXXX ) asking if I had paid {$1900.00} to XXXX XXXX XXXX XXXX I do not know anyone by this name and did not pay anyone {$1900.00}, so I answered no. They said they had opened up a fraud case, but a later call said they had resolved the case on XX/XX/XXXX ( in the next 28 minutes! ) and determined the charge was valid. I got an email from PayPal saying there was something wrong with my account and I logged in and found that they had charged {$1900.00} to my PayPal account, leaving me with a negative balance of {$1900.00}. For some reason, this was not charged to my XXXX checking account, to which it was connected. I then talked with several Paypal employees, including XXXX, XXXX, and XXXX, and got contradictory answers : the charge has been reversed or the charge was confirmed. While on my XXXX online I noticed that my credit card rewards had fraudulent redemptions, also on XX/XX/XXXX, of {$370.00} in XXXX XXXX supposedly sent to me, but which I did not authorize or receive. I have opened up a fraud investigation with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I made a purchase with XXXX XXXX on XX/XX/year> in the amount of XXXX plus XXXX for shipping. When the hat came to my home there was an additional XXXX I was asked to pay and I denied the product. The product was sent back to the seller and I was informed I would receive a refund. I reached out to the merchant they stated they were going to issue a refund but they did not. I contacted my bank Chime and disputed the transaction.Chime asked me for proof of the purchase and communication I had with the merchant. I submitted the requested documents to Chime and I received a message that my claim was denied. When I asked for the findings to be provided to me via email I was told it could not be sent. I asked to reopen the dispute as I was debited XXXX from my account for a product I never received and the seller stated I they would issue a refund. I was told that the dispute can only be opened with a police report and the evidence I provided to get my money credited to my account is not enough.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This situation has completely turned my life XXXX down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, XXXX met with silence or excuses. XXXX not just a number XXXX a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

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 2025-11-26 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: GA

Complaint narrative:
I am submitting this dispute due to the presence of inaccurate or unverified information in my Equifax credit report. Please review and investigate the following accounts under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts in Dispute XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Click n' Close, Inc.
State: TN

Complaint narrative:
Called multiple times to tell them NOT to send property tax payment due to refinancing with a new company and they have paid the property taxes already. Company did not listen and sent the payment they were refunded om XX/XX/XXXX from XXXX XXXX. Click and close has not refunded the payment to myself in the amount of {$1100.00}. Below are the most recent calls asking for the refund and still has not been resolved. I believe a full audit. 

XXXX  click and close @ XXXX XX/XX/XXXX XXXX click and close @ XXXX XX/XX/XXXX XXXX click and close @ XXXX XX/XX/XXXX XXXX click and close @ XXXX XX/XX/XXXX XXXX click and close @ XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: IN

Complaint narrative:
I am being pursued by a debt collector, Tek-Collect for a XXXX ( XXXX ) account. XXXX filed for bankruptcy and ceased operations, and I have never received confirmation that this alleged debt was legally transferred or assigned to the collector. 
On XX/XX/XXXX of 2025, I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and sent the collector a written request for full debt validation, including : Proof that they legally own the debt or have the authority to collect A full accounting of the amount claimed Documentation showing that the debt is valid and collectible after SDCs bankruptcy The collector did not provide proper validation. They only sent me the original XXXX contractnot proof of assignment, chain of title, or their legal right to collect. This does not satisfy FDCPA requirements. Despite failing to validate the debt, the collector is attempting to continue collection and/or may be reporting the account to credit bureaus.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation