vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my Experian, Equifax & TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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 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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I called Capital One to dispute a late payment fee of {$40.00} dollars when in fact I have automatic payment of {$150.00} dollars on the XXXX of every month Capital One stated because my credit balance was a higher I was minus an {$7.00} extra dollars, therefore a late fee was charged on the XXXX. I find this fee too excessive especially only needing an extra {$7.00} dollars. I just gave Capital One a rewards cash of almost {$8.00} dollars and yet they refuse to honor my request to delete the unnecessary late fee of {$40.00} dollars especially when I automatic payment taken my XXXX  XXXX XXXX checking account every XXXX of month without any issues. Its a darn shame a credit card raking in billions annually and chooses to deny me a late fee of {$40.00} dollars waived. Pleas investigate this matter. 

Please note : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: AZ

Complaint narrative:
As per 15usc 1611 XXXX  XXXX  and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX  Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I am not liable for this debt with PRO COLLECT. I do not have a contract with PRO COLLECT. They never provided me with the original contract as requested.

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 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: McKenzie Management LLC
State: GA

Complaint narrative:
In XXXX of this year, I called XXXX XXXX and they locked my out of my apple account even though I put in the right verification method information. When I asked why they said they could lock my account whenever, but they wrongfully locked my account because of an XXXX with error and no one ever corrected it.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-08 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: LA

Complaint narrative:
I previously disputed this account with the credit bureaus, but it continues to report inaccurately. The furnisher failed to provide proper verification, and the information remains incomplete and unverifiable. I am requesting a reinvestigation to ensure this account is corrected or deleted in compliance with the Fair Credit Reporting Act ( FCRA ).

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 2025-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I am disputing a repossession account that being reported by Toyota Motor Credit. This Account Is Inaccurate And Unverifiable. Toyota has not provided documentation required under the UCC Article 9, including proper notice of sale and deficiency and balance accounting.Without this, the amount can not be legally collected or reported.

Additionally I have not been provided the method of verification under 15 U.S.C 168i ( a ) ( 7 ), nor the contact information of any furnisher used to verify this account. My personal data has been exposed in a data breach, which raises further concern about the reliability of this reporting. Im requesting immediate deletion of this account as unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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:
This CFPB complaint has been filed to request pursuant 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 : ACCOUNTS : XXXX  - Account Number : XXXX, Date Opened : XX/XX/2022, Balance : {$40.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2022, Balance : {$780.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
What happened : In XX/XX/year>, I was the victim of fraud involving criminals impersonating Bank of Americas fraud department. I received a text message that appeared to be from Bank of America about a suspicious charge. I replied, then received a call from someone claiming to be from Bank of Americas fraud department. While I was on the phone with them, my entire account balance ( about {$6500.00} ) was drained through unauthorized transactions. 

I immediately hung up and called Bank of America directly to report the fraud. I filed a claim and was provisionally credited. A few months later, Bank of America reversed the reimbursement, stating that although they agreed it was fraud, they are holding me responsible because I was deceived. 

Why this is wrong : This decision violates my rights under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 C.F.R. Part 1005 ). Regulation E defines an unauthorized electronic fund transfer as a transfer initiated by a person other than the consumer without actual authority and from which the consumer receives no benefit ( 1005.2 ( m ) ). That is exactly what happened here : I did not authorize these transactions.

I was deceived by a scammer impersonating Bank of America. 
I reported the fraud immediately upon discovery. 
I received no benefit from the transfers.

The banks position that I am liable because I was deceived is inconsistent with Regulation E and federal law.

What I want : I request that Bank of America : 1. Reinstate the full reimbursement of the fraud losses ( ~ {$6500.00} ).

2. Provide a written explanation citing the specific Regulation E provision they are relying on to hold me liable.

3. Confirm that no negative credit reporting will result from this fraud.

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 2025-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PrimeLine Capital, Inc.
State: DE

Complaint narrative:
On Monday, XX/XX/year>, a copy of our Closing Disclosure was emailed to an unintended recipient. The processing manager at PrimeLine Capital emailed a copy of the form to an unknown individual 's personal XXXX account. We discovered the error immediately and reached out to the sender to make her aware. The initial response was one of carelessness and she assured us that the recipient would not further disclose our information as they had done business together in the past. We responded, asking what steps had been taken to report and mitigate the unintended disclosure of our financial information. We are currently awaiting a response.

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 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ricart Financial Services
State: OH

Complaint narrative:
TRACIR FINANCIAL SERVICES ; is an unauthorized third party, that has obtained OUR personal information without my knowledge or consent and WITHOUT the mandatory required legal documentation has stolen thousands of dollars through an unlawful garnishment. TRACIR FINANCIAL SERVICES has refused to provide CHAIN OF CUSTODY. TRACIR FINACIAL SERVICES HAVE collected excessive overpayments for a fraudulent alleged debt. The MANDITORY REQUIRED PAPERWORK TRACIR FINACIAL SERVICES filed is misleading, incomplete, potentially fraudulent, inaccurate with many discrepancies and violations, TRACIR FINACIAL SERVICES IS FRAUDULANTLY RECIEVING OVERPAYMENTS FROM AN UNLAWFUL DEFAULT GARNISHMENT, TRACIR FINACIAL SERVICES HAS ABSOLUTLEY NO AUTHORITY OR CLAIM TO THE ACCOUNT IN QUESTION. TRACIR FINACIAL SERVICES HAVE BEEN CONTACTED MANY TIMES THEY ARE AWARE OF THESE CLAIMS AND HAS NEVER PROVIDED A CHAIN OF CUSTODY PROOF OF BILL OR THE AUTHORITY TO ACT IN SUCH A MANNER THAT THEY ARE ABOVE THE LAW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: FinCo Services Inc DBA Current
State: NJ

Complaint narrative:
On XX/XX/year> my virtual debit card ending in XXXX was fraudulently authorized for a {$5.00} charge from a company named XXXX XXXX XXXX as well as XXXX charges totaling {$1000.00} in {$20.00} increments from a company named XXXX. Ai Subscription. I filed a dispute with Current Bank and they denied my dispute saying they found no error with these charges even though I have no history with the either company and do not live in California or XXXX nor have I ever visited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-08 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: ID

Complaint narrative:
Someone broke into my PayPal account and paid themselves out with my cards. They eventually sent me a refund according to PayPal but I never received the money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute of the account listed on my credit file under the name XXXX XXXX XXXX XXXX XXXX with account number ending in XXXX. 

I previously requested full validation from the debt collector and received documentation that fails to meet federal standards for lawful verification. The contract submitted contains an unverifiable electronic signature and reflects an outdated address not associated with me. Additionally, the chain of assignment provided is incomplete and lacks proper authorization from the original creditor granting XXXX XXXX XXXX XXXX, XXXX authority to collect or report the alleged debt. 

Furthermore, the address listed on the documentation provided by the collector does not match the address on my government-issued ID, license, or any records I maintain with state or federal institutions. This discrepancy further calls into question the legitimacy and accuracy of this account. 

As a documented victim of the 2017 Equifax data breach ( FTC Identity Theft Report # XXXX ), I am particularly concerned about the accuracy and integrity of any account being reported under my name. 

Under the Fair Credit Reporting Act ( FCRA ) 611, I am formally requesting that you reinvestigate this account and delete it from my credit file unless the furnisher can provide : 1. A complete, legally binding contract showing my wet or verified e-signature with consent per the ESIGN Act.

2. The full chain of assignment from the original creditor through all intermediary transfers.

3. Proper documentation tying this debt to my full name, date of birth, and current address.

4. Proof that the collector is licensed and authorized to collect in the state of Georgia. 

If XXXX XXXX XXXX can not furnish all of the above, this account must be removed under FCRA 611 as it is inaccurate, incomplete, and/or unverifiable. 

Please complete your reinvestigation and send me confirmation of the results within 30 days as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am submitting this complaint regarding old debt and the reporting of negative payment history on my credit report related to my open credit card account. The negative payment entries in question date back to 2018 and are beyond the statute of limitations for credit reporting and/or legal collection in my state. 

Under the Fair Credit Reporting Act ( FCRA ), negative information such as late payments must not be reported for longer than 7 years from the date of delinquency. Additionally, the statute of limitations for collecting on this type of debt in my state is [ insert number ] years, and that period has expired. 

Despite this, [ this continues to report this outdated payment history on an open account, which is unfairly impacting my creditworthiness. I am requesting that these obsolete late payment entries be removed from my credit report as they are no longer legally reportable and do not reflect my current payment behavior.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX, I reviewed my XXXX  credit report and found multiple inaccuracies, including XXXX accountsXXXX XXXX XXXX ( opened XX/XX/XXXX, reported XX/XX/XXXX, last activity XX/XX/XXXX, showing as Collection/Chargeoff with a {$0.00} balance but previously {$35000.00} ) and XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, reported XX/XX/XXXX, last activity XX/XX/XXXX, listed as Collection/Chargeoff with a {$1000.00} past due amount against a {$650.00} limit ) that I dispute as incorrect. These errors are harming my ability to obtain financing, such as a mortgage or better credit terms. I formally requested that Experian verify these accounts with documented proof under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), XXXX XXXX compliance standards, and relevant case law ( XXXXXXXX XXXX  XXXX, XXXX ), and if they can not provide such proof, to delete the accounts immediately. I also asked that any inaccurate personal information, such as incorrect names and addresses, be removed so my credit file reflects only accurate 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 non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX, I reviewed my XXXX  credit report and found multiple inaccuracies, including XXXX accountsXXXX XXXX XXXX ( opened XX/XX/XXXX, reported XX/XX/XXXX, last activity XX/XX/XXXX, showing as Collection/Chargeoff with a {$0.00} balance but previously {$35000.00} ) and XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, reported XX/XX/XXXX, last activity XX/XX/XXXX, listed as Collection/Chargeoff with a {$1000.00} past due amount against a {$650.00} limit ) that I dispute as incorrect. These errors are harming my ability to obtain financing, such as a mortgage or better credit terms. I formally requested that Experian verify these accounts with documented proof under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), XXXX XXXX compliance standards, and relevant case law ( XXXXXXXX XXXX  XXXX, XXXX ), and if they can not provide such proof, to delete the accounts immediately. I also asked that any inaccurate personal information, such as incorrect names and addresses, be removed so my credit file reflects only accurate data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I did not receive notice of debt to collect nor do I have knowledge of it., never

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 2025-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I contacted a number off the Huntington Website to apply for a Second Mortgage XXXX XXXX. I asked the loan originator SEVERAL times if this was a regular fixed rate conventional loan just like my XXXX XXXX Mortgage that I have through Huntington and was assured that it was. Several months afetr the loan closing I contacted Huntington as to why the difference in principal vs. interest in my monthly payments and was very upset to be told it is a simple interest loan! I would have NEVER agreed to this type of loan if it had been disclosed to me. I tried contacting the loan originator directly and was told that he no longer worked there... Imagine that! The Loan Application shows nothing about simple interest, nowhere in the Closing Disclosure does it mention a simple interest loan. The only place referring to this type of loan is ONE SENTENCE on the Personal Loan Agreement. This feels very deceptive and fraudulant. I have been a faithful Huntington Bank customer for 15 years. Seems time to change that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I scheduled payments from my bank to my credit card well in advance of the due date, however the credit card company processes the payments immediately after the due date so that they can charge interest. Citibank is the credit card company. This happened approximately for the last 4 months.

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