vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I went to the Frost Bank branch in XXXX, TX on [ Nobember XXXX, XXXX XXXX XXXX ] to open a checking account. I live in XXXX XXXX, which is in the same county, but the employee questioned why I was opening an account there and implied something was suspicious. I was denied fair service and treated like a criminal for no reason other than being a young XXXX man. 

Ive seen customers of other races XXXX  and XXXX walk in and open accounts with no problem. What happened to me was clear racial discrimination. Afterward, I called the branch manager to try to resolve it, but nothing was done. 

Im filing this complaint because I believe Frost Bank violated my civil rights by discriminating against me when I tried to open an account. I want this investigated and for Frost Bank to be held accountable for racial bias in its service practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Galaxy Capital Acquisitions, LLC
State: AZ

Complaint narrative:
Galaxy International Purchasing , LLC served me with a court summons and complaint at the wrong address on Thursday XXXX of XX/XX/year>. The complaint was filed in the State of Arizona XXXX XXXX in XXXX XXXX of XXXX, for an alleged debt that Galaxy International Purchasing , LLC claims I owe them. Galaxy International Purchasing , LLC has violated multiple statutes under 15 U.S.C 1692 including failing to provide written validation pursuant to 15 U.S.C 1692g. Upon research, it was also revealed that Galaxy International Purchasing , LLC is not legally licensed to collect any debts in the State of Arizona as per Arizona laws. As per 15 U.S.C 1692d, the actions taken by Galaxy International Purchasing , LLC has been very abusive threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect
State: WI

Complaint narrative:
I've been receiving calls for years from Americollect, and I have asked them many times over the years to stop calling because they could not provide any information about the debt they were supposedly trying to collect, they would not even confirm who they were contacting- they wanted me to verify my identity without any information from them. Each time I answered a call and refused to provide information unless they told me what debt they were calling about, the calls would stop for a while and then start again. 

In the last 6 months they have begun calling from multiple numbers because I began just blocking them as my requests to stop contacting me never worked. Often the numbers look like regular people calling and are not identified in caller ID as Americollect. 

On XX/XX/year>XXXX  I sent them a letter via US Mail requesting they validate the debt they kept calling about. I received another call on XX/XX/year>, so I sent them a copy of the letter I had mailed via email and again requested verification. I received another call on XX/XX/year>, and now have just received another call today XX/XX/year>. To this date, I have received no response to my verification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I see on my credit report there's a balance of {$510.00} owed, and that they purchased this debt from another company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercury Financial Intermediate LLC
State: NC

Complaint narrative:
In XXXX of XXXX  I contacted Mercury Credit Card services and notified them that I was temporary laid off from work. I also told them that I will resume work in a month and I will be back on track. I had this card over a year and was never late. They pointed out that i had always been on time and it will not be a problem as long as I contact them when I resume work, I called them when I returned to work a month later and they had reported a negative late payment on my credit report. I asked them can they send a courtesy letter to the credit bureau asking them to remove the one time late payment and they said they could not do it. I reminded them of the phone call we had and how they said they would not do this as long as I resumed back to work, I also asked if they can pull the recorded phone call and they said who ever told me that lied because their company do not ask the bureau to do that. I feel it is unfair to me because I communicated with Mercury Credit card serviced and they told me we had an agreement and now they reported a negative remark way before it was thirty days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had an account with Chase in XXXX. The account was closed out and I paid the debt as of right now. Chase has this account as paid, but its under account abuse at this time. I have three open accounts with Chase and a credit card I do not believe that they would let me open any more accounts if I abused any one of those accounts during the time that my account was closed, was due to the pandemic and me not having the funds as soon as I got the funds, I paid off the account I do not believe with me paying off the account that I show anywhere on my account that I was abusing the account. I had my first account with Chase in XXXX  I still have that same account open

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services
State: SC

Complaint narrative:
I have recently pulled my credit report and noticed that there is collection listing from your agency. SEQUOIA FINANCIAL SVCS {$1100.00} XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
XXXX XXXX raised my car payment every year for the past 3 years and I dont believe that its legal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursu

ant to FCRA 605B ( 15. U. S. C. 1681c2 ) that you, the Equifax credit reporting agencys
block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Hello, I applied for a rental. The rental company used a tenant screening through Transunion. They denied me with no further information on either end. I only have 1 XXXX  from 5 years ago on my background. I reached out to dispute it and more information on it to reverse the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX  my friend had sent me a message telling me that she was going to send me money so I can transfer it and send it to her through XXXX XXXX she has told me before since her XXXX isnt working that one of her family member will send me money so I can send it thought XXXX XXXX but this one I didnt know this person who sent me the money she didnt tell me it was someone else she told me she was the person who sent it to me sent me various transactions and I didnt think anything of it but after a few days I got sent an email stating that my account was restricted I called the bank and explained what happened and they told me that the person who sent me the money has reported it as fraud which I dont understand why I have no idea who this person is I cant get in contact with them at all I got my account removed with no knowledge of what they had done to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/year>, at approximately XXXX EST, i received a phone call from a woman representative from Synchrony Bank . This woman advised me that a external account with XXXX XXXX  in Missouri was created under my account and a transfer in the amount of {$4500.00} was then fraudulently transferred from my personal Savings account to the this fraudulently account in Missouri. She confirmed my personal information and inquired as to what my last deposit or withdrawal was. At that point she then asked me if I transferred {$4500.00} to the external bank account with XXXX and I firmly said No. I have settings in place to be notified of all transfers and withdrawals, as well deposits, however, I never received proper notification about the external account being set up or the transfer that was fraudulently made. 

Once she confirmed that I did not make that transfer, she advised that she would be sending this issue to their Fraud Department, as the transfer was in a pending status. On Monday, XX/XX/XXXX, I received an email from Synchrony confirming that the external transfer of {$4500.00} was complete and my account showed a balance of {$45000.00} less. I am currently frozen out of my complaint, Ive called repeatedly since the XXXX of XXXX and no one can tell me what is happening with the return of my money, nor have I heard from the Fraud Department, except for locking me out 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 2025-11-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Plantation, FL XXXX Date of Birth : XX/XX/XXXX - SSN : XXXX - XXXX - XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the Equifax Data Breach . Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report immediately. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 




Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft.

2. Provide written confirmation that these fraudulent items have been blocked and deleted.

3. Ensure my credit report accurately reflects only legitimate accounts and inquiries.

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ).

Proof of address ( e.g., utility bill ).

A copy police report ( if required ) - My Social Security Card.

As required by law, I expect these fraudulent items to be blocked within XXXX business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ).

I trust that this matter will handle promptly and in compliance with the federal law. 

Thank you for your immediate attention to this very urgent matter. 



XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Plantation, FL XXXX Date of Birth : XX/XX/XXXX - SSN : XXXX - XXXX - XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the Equifax Data Breach . Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report immediately. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 




Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft.

2. Provide written confirmation that these fraudulent items have been blocked and deleted.

3. Ensure my credit report accurately reflects only legitimate accounts and inquiries.

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ).

Proof of address ( e.g., utility bill ).

A copy police report ( if required ) - My Social Security Card.

As required by law, I expect these fraudulent items to be blocked within XXXX business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ).

I trust that this matter will handle promptly and in compliance with the federal law. 

Thank you for your immediate attention to this very urgent matter. 



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 non-monetary relief
Consumer complaint received 2025-11-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: LA

Complaint narrative:
I am submitting this follow-up in response to XXXX XX/XX/year>XXXX  letter regarding CFPB XXXX # XXXX. 
LexisNexis marked my bankruptcy dispute ( Case # XXXX ) as frivolous under Section 611 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ) without providing the legally required description of how the bankruptcy information was verified.

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ), I have a right to receive : A description of the procedure LexisNexis used to verify the accuracy and completeness of the bankruptcy information, including The business name, address, and phone number of any furnisher of information contacted. 
I have contacted the U.S. Bankruptcy Court, and they confirmed that they do not furnish information to any credit reporting agencies, including LexisNexis. Therefore, if the bankruptcy court is listed as a furnisher, that reporting is false and misleading under 1681e ( b ) and 1681i ( a ). 
I am requesting that the CFPB direct LexisNexis to provide : 1. The full verification procedure, 2. The source or furnisher of the alleged bankruptcy record, and 3. Any supporting documentation used to verify the accuracy of this item. 
If LexisNexis can not provide this information or validate the record the bankruptcy should be deleted from my LexisNexis consumer file.

Company response to consumer: Closed with non-monetary relief