vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Re : Identity Theft Dispute Request for Blocking of Fraudulent Information ( 15 U.S.C. 1681c-2 ) Related to : XXXX Data Incident / Breach To Whom It May Concern : I am writing to notify you that I am the victim of identity theft resulting from the XXXX  data breach. 
I did not authorize the accounts, inquiries, or other activity listed previously, and I hereby dispute any and all information on my credit file that was created or affected by that unauthorized access. 
Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, I request that you immediately block from my credit file all information relating to the fraudulent accounts and inquiries arising from the TransUnion data breach that are not clearly attributable to me. 
Enclosed with this correspondence are copies of the following supporting documents : 1. A copy of my Identity Theft Report from IdentityTheft.gov ( or the police report, if applicable ). 2. A copy of a government-issued photo identification ( driver 's license ). 
3. Proof of my current address ( utility bill / bank statement ). 
4. Any other documentation I have that supports my claim of identity theft. 
Please treat this matter with the urgency it requires. I request that you : 1. Block the fraudulent information from my credit file under 15 U.S.C. 1681c-2. 
2. Conduct a thorough and timely investigation and provide me with the results in writing. 
3. Provide a written confirmation that the fraudulent items have been blocked/removed. 
4. Place an extended fraud alert on my credit file. 
5. Provide me with an updated copy of my credit report showing the results of your investigation. 
My contact information is listed above ; you may reach me by phone at XXXX or by email at XXXX for any necessary follow-up. I appreciate your prompt attention to this serious matter. Sincerely, XXXX XXXXXXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Complaint against Bank of America Estate Services. Went into XXXX Mo. BOA banking center XX/XX/XXXX to present required documentation as well as complete and notarize letter of instruction/account closure for deceased uncle. 
I am my uncles closest and next of kin Bank of America can verify this via all the repeat XXXX transactions from the deceased to myself over the last 4 -5 years! 

Bank rep informed I was POD on account ending in XXXX and not on account ending in XXXX. Proper standard procedure shouldve been for the bank to immediately issue a check for POD account or transfer to my internal account as indicated on letter of instruction. 

Instead I was told everything would have to go through estate services back office or something. 
Been going back & forth with various estate service reps week after week since initial claim filing XX/XX/XXXX Claim XXXX. 
Repeatedly told to send in documents that had already been submitted numerous via my fax history. 

Consulted with a lawyer, lawyer informed to request the estimated value of account ending in XXXX. Estate service refused to provide this information. 

Claim was finally assigned to agent XXXX XXXX who called me and said funds should will be transferred from deceased account to my Bank of America account within the next 24-48 hours of phone call. With in the next 24-48 hours of call, my over 5 year Bank of America account was closed instead! 

My mother XXXX XXXX shares an open active Bank of America account with the deceased. Account ending in XXXX. She is the only living sibling to the deceased. 

On XX/XX/XXXX I contacted estate services because I had been mailed another frivolous letter of instruction account closure request in the mail that day. As though they hadnt received it various times prior! 

I recorded the XX/XX/XXXX phone call with estate services. The rep told me that my mother is the right person to claim the deceased funds and that she needed to go into a branch and verify her identity and then the branch would cut a check and everything would be taken care of! 

Myself and mother XXXX went into XXXX Mo branch a few days later with proof of identity. And was given the run around again with no resolution. 

Today in the mail we received another letter of instruction account closure request form dated XX/XX/XXXX from estate services. 

They just repeatedly keep sending these forms that have definitively already been submitted. 

We have never received nothing in writing from Bank of America estate services on why they refuse to release my uncles funds. 

A quick internet search shows many forums on consumer having the same exact issue with Bank of America estates services giving the round around and refusing to rightfully release funds!

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 2025-09-20 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: FL

Complaint narrative:
I have attached a letter to this complaint. Transunion has reinserted an account that had already been deleted and removed from my consumer report? why? I was never notified of this, as per law I have reached out to Transunion about this multiple times calling their call center where I can not seem to get reliable help regarding the manner and most times my calls end with their representatives hanging up on me. So please explain the errors and false misleading information on my report and the exact process being used to verify them as I honestly believe that they are illegally being reported to begin with and if they are removed as they should per law under 15 U.S.C. 16815-2 ( b ) ( i ). I never received a notice of reinsertion within 5 business days. what is going on Transunion???

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 2025-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXConsumer Financial Protection BureauXXXX XXXX XXXXWashington, DC XXXXXXXXSubject: Complaint Regarding Nelnet Misreporting of Delinquency\n\nTo Whom It May Concern:\n\nI am writing to formally submit a complaint regarding the servicing of my federal student loans by Nelnet and the resulting negative impact on my credit report.\n\nOn or about XXXX XXXX XXXX, Nelnet reported my account as 90 days delinquent to all three major credit bureaus. This action dropped my credit score from XXXX to XXXX, despite the fact that I made repeated attempts to access my account and make payments.\n\nFor months, I was unable to log into my Nelnet account  the system consistently stated that it could not find my account. Because of this, I had no way to view balances or make payments online. When I contacted Nelnet by phone, I was told on XXXX XXXX XXXX, that I should have found other ways to make payments, such as mailing a check, even though I had no billing statement or accurate account information to do so.\n\nOn XXXX XXXX XXXX, I was finally able to create an online account, and by XXXX XXXX XXXX, I had applied and enrolled in an Income-Driven Repayment (IDR) Plan through the Federal Student Aid website, and will resume payments under this plan starting XXXX XXXX. Despite my good faith efforts, Nelnet has refused to remove or adjust the delinquency reporting, even though I could not access my account due to their system issues.\nI believe this reporting is unfair, inaccurate, and does not reflect my willingness to pay. I am requesting that the CFPB investigate this matter, require Nelnet to correct the inaccurate reporting, and restore my credit standing.\n\nI can provide the following supporting documentation, including:\n\n\tProof of my Income-Driven Repayment application\n\tCopies of dispute letters submitted to the credit bureaus\n\tScreenshot showing that I was only able to create my Nelnet account on XXXX XXXX XXXXThank you for your time and assistance in resolving this matter.\n\nSincerelyXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased multiple pieces of furniture from XXXX XXXX on XX/XX/XXXX, using Synchrony Bank promotional financing. At the time of purchase, my family and I were quoted various promotions on different items. I was under the impression that my financing plan was longer than 12 months, and I only discovered otherwise when I logged into my account in XX/XX/XXXX and saw that the balance had not been fully paid off and deferred interest had been added backdating to the purchase date. 

I had set up automatic monthly payments, which were made on time every month. I acted in good faith and believed I was meeting the requirements of the financing plan. The sudden application of deferred interest came as a complete surprise. 

When I contacted Synchrony customer service, I requested a one-time courtesy removal or reduction of the charges, given my history of on-time payments and the misunderstanding regarding the promotional period. I was told there was nothing that could be done. The only option presented was a hardship program that would permanently close my account, despite my consistent payment history. 

I also informed Synchrony that my income had changed due to a XXXX XXXX that affected my ability to work, which has made this unexpected financial burden even more difficult. 

I am requesting that Synchrony review my account and provide a fair resolution. Specifically, I ask that the deferred interest charges be reversed or reduced as a goodwill adjustment, without requiring permanent closure of my account.

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 2025-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year>, I filed a dispute with Chime regarding a {$41.00} charge from XXXX that I did not authorize. 

Under Regulation E ( Electronic Fund Transfers Act ), Chime is required to : Complete a prompt investigation, and Provide provisional credit within 10 business days if more time is needed, and Resolve the case within 90 days maximum. 

As of today ( XX/XX/year> ), more than 70 days have passed. Chime has not provided provisional credit, nor have they resolved my dispute. I have contacted them multiple times for updates, but I only receive generic responses such as still under investigation. 

This is a direct violation of Regulation E. The bank has failed to protect me as a consumer, and I have been out of {$41.00} for over two months without any resolution. 

I am requesting immediate intervention so that I receive the provisional credit and final resolution that the law requires.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management , Inc. is inaccurately reporting and attempting to collect a debt that was originally with XXXX XXXX. They have provided only boilerplate responses to my disputes, without producing the original signed agreement or full transaction history. They reported false dates of default ( XX/XX/XXXX ) and charge-off ( XX/XX/XXXX ), even though XXXX XXXX continued billing me through XX/XX/XXXX and did not transfer the account until XX/XX/XXXX. 

The account disappeared from my credit reports for about seven months, then reappeared under XXXX with altered dates. During that time, they attempted to send an unexplained XXXX package from Minnesota that I never accepted. No proper validation letters were sent after. 

This is a violation of the FDCPA ( 15 U.S.C. 1692 ) and FCRA ( 15 U.S.C. 1681 ), including failure to validate, furnishing inaccurate information, and failing to reasonably investigate disputes. 

Midlands reporting contradicts XXXXXXXX XXXX  own records. XXXX XXXXXXXX statements show billing through XX/XX/XXXX, and XXXXXXXX XXXX XX/XX/XXXX transfer letter confirms the account was sold then, with a balance of {$28000.00}. Midland instead reported a default date of XX/XX/XXXX, and charge-off date of XX/XX/XXXX. 

By re-aging the account and furnishing inaccurate information, XXXX violated FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) ( 1 ) ( A-D ). By failing to provide validation and continuing collection, they violated FDCPA 1692g ( b ), 1692e ( 2 ) ( A ), 1692e ( 8 ), and 1692f. 

Midland and its parent Encore Capital Group have already been fined and placed under CFPB consent orders ( XXXX, XXXX ) for the same behavior : collecting without proper documentation, failing to validate debts, and misrepresenting the legal status of debts. This case reflects the same misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I was contacted via phone on Sunday XX/XX/year> about an application for a store credit card. The credit card was through citi bank. I did not put in an application. I had to be transferred several times to get to the right department. They voided my application for the credit card. They said that there was an application in my name and my social security number. They forwarded the issue to the credit bureau and flagged the application as being fraudulent. I did not receive any email from the company that I am aware of. I received an email notification from XXXX XXXX about a hard inquiry on my credit report for this fraudulent application. I want this hard inquiry pulled from my credit report. Ive had this same issue 2-3 times previously this year and last 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 non-monetary relief
Consumer complaint received 2025-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/year> I noticed someone had accessed my account and stole money out of my cash app account by sending it to themselves. I contacted customer service. They immediately locked my account for 2 days to " do an investigation '' they then gave me access again and I had to contact them again and told them which 2 transactions were fraudulent. They told me that it would take up to 10 business days to do the investigation and if they came back with a decision in my favor I'll get the money reimbursed back into my account. On XX/XX/XXXX I get an email saying that the investigation was over they saw where someone got in my account and I needed to create a new cash app account and a new email address linked to that account. After I set it up email them back and tell them the info along with the device I'm using description so they knew it was me so they could send me the reimbursement as soon as possible. After that email I get nothing until the XXXX saying they are sending me {$20.00} for a courtesy for what I went through and I emailed them back ok thanks but what about my {$97.00} I have coming for my reimbursement? And they immediately sent back an email saying that they have closed my case because they haven't talked to me/or received a response! That literally cancels each other out so I reached out to customer service again and they reopened the investigation and now there telling me it's going to be 10 more business days. I just need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: CT

Complaint narrative:
To : LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Phone : ( XXXX ) XXXX Re : Request for Debt Validation Account Number : XXXX ( and/or XXXX XXXX XXXX XXXX XXXX  as reported ) Dear Sir or Madam, I am writing to request validation of the alleged debt you have reported to the credit bureaus in my name. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide documentation to validate this debt, including : Proof that LVNV Funding LLC has the legal right to collect this debt.

A copy of the original signed agreement or contract with the original creditor, XXXX XXXX. 
A complete account history, showing all charges, payments, interest, and fees that make up the balance you are claiming. 
Documentation proving that the alleged debt was properly transferred or sold to LVNV Funding LLC. 
Verification that the alleged debt is within the statute of limitations for collection in the State of Connecticut.

Until this information is provided, you must cease all collection activities and stop furnishing this account to the credit reporting agencies. If you continue collection activity without providing the required validation, you will be in violation of the FDCPA, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Connecticut Attorney Generals Office.

This is not a refusal to pay but a request for validation of the alleged debt. Please send your response to the address listed above within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: CA

Complaint narrative:
I am disputing a XXXX XXXX account reporting a charge-off balance of {$8400.00}. The account was closed but continues to update monthly as a charge-off with inconsistent reporting. It shows Paid Monthly terms even though the balance has not changed, and the Date of First Delinquency is missing or coded improperly. The payment history is contradictory, with OK marks in some months while still being reported as charged-off. This violates FCRA and Metro 2 reporting requirements. I previously disputed this account, but TransUnion marked it verified without providing the method of verification. Both XXXX XXXX and TransUnion have experienced major data breaches, which undermines confidence in their reporting and verification process.

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 2025-09-20 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: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXX PA XXXX - XXXX ATTN : Consumer Affairs RE : Personal Information To Consumer Affairs, Regarding Chapter 41 : 15 U.S. Code 1681, I, as a consumer, am entitled to an accurate and complete consumer report. My consumer report, generated on XX/XX/XXXX, contains some inaccurate, irrelevant, and fraudulent personal information. This letter serves as an initial request to have my personal information corrected to reflect what is accurate and true. 

Within 30 days from receipt of this letter, the following information needs to be omitted. Please note that upon completion of the request, a new updated copy of my consumer report should be mailed to the mailing address that you have on file. promptly. 

Omit the following names, as my TRUE name can be verified on my supporting documents identification : LIST ALL THE INACCURATE, MISPELLED, OR NAMES THAT ARE NOT APPLICABLE Omit the following former name : XXXX XXXX XXXX XXXX Omit the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX Omit the following telephone numbers as none are listed as a public record, and I have not consented to their recording : ( XXXX ) XXXX Omit the following employers. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Attached to this initial request, I have attached my identification. I suspect you would have no issues removing the aforementioned information in a timely fashion. 

Kind Regards, XXXX, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved

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