vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: 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 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 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
On approxmately XXXX I attempted to pay {$2000.00} to my credit card from my external bank account, but I accidentally typed {$20000.00}. 

On XXXX I noticed my error. I telephoned Bank of America who told me they would refund {$17000.00} of it. 

My bank refused the original payment. so it never went through, but {$17000.00} was added to my BoA card balance, and sent to my external bank account, putting me way over my spending limit with BoA. 

When I noticed the error on XXXX, I called again. They told me they could not easily reverse the payment, so I just paid money back from my external bank account. 

On XXXX BoA charged me {$160.00} in interest. I am in a 0 % interest period, so I called to complain. I was told that they would let me know their decision in a few days. 

On XXXX I received an email from BoA informing me my request had been declined.

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 2025-10-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian XXXX XXXX Notice XXXX XXXX Violations Account : XXXX. SYSTEM, XXXX ( XXXX ) I am writing to formally dispute the collection account listed on my credit report with the following details : * Collection Agency : XXXXXXXX XXXX XXXXXXXX * Original Creditor : XXXX XXXX * Account Number ( Partial ) XXXX * Reported Balance : {$200.00} * Date Opened : XX/XX/year> * Date Updated : XX/XX/year> As with numerous other accounts and failed investigations into accounts posted on my credit reports, this account was reported without my knowledge or consent, and I have never received any written validation or verification of this alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g. Furthermore, I was not given any prior notice that this account would appear on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Under the FDCPA, a debt collector is required to provide the consumer with validation of the debt within XXXX days of initial communication. I have received no such communication or opportunity to dispute this debt. Reporting this account to a credit bureau without first validating it constitutes a violation of both federal laws. 

As such, I demand the immediate removal of this account from my credit file, as it is inaccurate, unverified, and being reported in violation of federal consumer protection laws. 

I request confirmation that this account has been removed from my file or, alternatively, copies of any documentation you have on file that validates the reporting of this debt, including : * A signed agreement bearing my name * A full itemized statement of the alleged debt * The name and address of the original creditor and proof of sale or assignment of the account If this account is not removed or properly validated within the required XXXX period, I will not hesitate to file formal complaints with the States Attorney General, and pursue legal action if necessary. 

Identity verification and proof of address has been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
i opened a credit card with XXXX bank. on XX/XX/year> initiated a balance transfer iao {$4000.00} to XXXX bank account ending XXXX, however, funds never reached XXXX bank. I called WellsFargo and was told they sent funds to XXXX bank. They did nto provide any other information why, which account and to what name they made the balance transfer to XXXX. Please note, i do not have any financial relationship with XXXX back. I called XXXX bank and was advised that there are no open accounts under my name with a balance transfer deposited. WellsFargo refuses to assist.

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 2025-10-16 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:
XXXXplease see supporting documents pertaining to data breach'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
I contacted the company Cashapp due to me being a victim of fraud. A fraudulent call came through from the bank my accounts had been hacked and I was provided a virtual number from The associate which was also XXXX. Im Starting to think this was an inside job from The bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
After looking over my Equifax credit file the accounts are inaccurate, unverifiable, and in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: DISCOVER BANK
State: UT

Complaint narrative:
I did a balance transfer on XX/XX/XXXX from Discover Card to XXXX XXXX XXXX. I have called multiple times because the money is not with XXXX XXXX XXXX. Called XXXX XXXX XXXX they said they dont have the money called back to Discover was transferred multiple times XXXX hours later, no one can still tell me how the money was sent. I am paying interest on {$2500.00} to both institutions at this point. I asked multiple times clarifying the information before I did the balance transfer with the representative at Discover. She assured me she had all the information needed to complete the transaction. I am very concerned that Discover can not even verify with me how the money was transferred, When I filed the dispute, I was asked to provide bank account information, mailing address, phone number, it is very concerning that they dont have that information on file. I asked that question again and they said they dont have that information if they dont know how the money was transferred or even the information of account number or address where it was sent. She could verify the money had been charged to my credit card!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-16 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Account name : XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I reached out to both XXXX and XXXX to request hardship assistance due to job loss and financial hardship. My request was completely dismissed. No options were given, no flexibility offered, and I was told there were no programs available which is unacceptable. I made the request in good faith and documented my situation. I am exercising my legal right to written communication only and do not consent to phone contact. I want all communication in writing. Their refusal to assist while continuing to report or pursue collection is predatory and out of line with current standards. I want this reviewed by the CFPB immediately and demand a formal response in writing. If no hardship options exist, I want proof of that and an explanation of why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-16 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: MI

Complaint narrative:
On XX/XX/XXXX, I incurred a debt with XXXX Bank, which was subsequently placed for collection with XXXX XXXX XXXX. The account was reported on my credit report as of XX/XX/XXXX, with a balance of {$5300.00}. 

I am seeking the removal of this collection account from my credit report because I believe it is negatively impacting my credit score and financial well-being. I have attempted to resolve this matter by [ insert any actions you've taken, e.g., " contacting XXXX XXXX XXXX to negotiate a settlement '' or " disputing the account with the credit bureaus '' ], but the account remains on my credit report. 

I request that XXXX XXXX XXXX investigate this matter and remove the collection account from my credit report if they find any inaccuracies or if they can not verify the 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 non-monetary relief
Consumer complaint received 2025-10-16 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: MI

Complaint narrative:
On XX/XX/XXXX, I incurred a debt with XXXX Bank, which was subsequently placed for collection with XXXX XXXX XXXX. The account was reported on my credit report as of XX/XX/XXXX, with a balance of {$5300.00}. 

I am seeking the removal of this collection account from my credit report because I believe it is negatively impacting my credit score and financial well-being. I have attempted to resolve this matter by [ insert any actions you've taken, e.g., " contacting XXXX XXXX XXXX to negotiate a settlement '' or " disputing the account with the credit bureaus '' ], but the account remains on my credit report. 

I request that XXXX XXXX XXXX investigate this matter and remove the collection account from my credit report if they find any inaccuracies or if they can not verify the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Receivables, Inc.
State: TN

Complaint narrative:
On XX/XX/year>, I sent a written dispute and requested full validation of a {$3600.00} debt CRI claims I owe for XXXX XXXXXXXX personal training. I requested : an itemized balance ( principal and collection fees ), proof of personal training sessions, documentation of prior billing or notice of default, and identification of the current creditor. 
On XX/XX/year>, I received a voicemail from a CRI representative stating they were attempting to collect the debt, before providing any verification.

CRI sent only the personal training agreement, which shows a $ 200 monthly plan, but does not explain how the {$3600.00} balance or {$1200.00} collection fee was calculated, nor prove services were owed or billed. My purchase history shows multiple {$200.00} payments and pending/declined sessions.

Despite my dispute, CRI continued collection efforts without proper validation, which appears to violate 15 U.S.C. 1692g. I request that collection cease until full verification is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I do not owe this alleged debt, nor do I have any knowledge of this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.A.Rogers, Inc.
State: MD

Complaint narrative:
R A Rogers collection is tryna collect a debt from XXXX XXXX XXXX XXXX the debt is so to fraudulent activity also the debt was already charged off so theyve received profit I am asking for 1099 form as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NY

Complaint narrative:
I am writing to advise that I am a victim XXXX  XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> my insurance company deposited money, through XXXX deposit, into my account. This was for a legitimate insurance claim. Citibank has placed an extraordinary block on my account for over XXXX weeks and has held my money claiming you need to verify your identity and that I must wait for a letter. They have refused to honor my DRIVERS LICENSE, PASSPORT and FEDERAL GOVERNMENT ISSUED MILITARY ID that I provided face to face at the branch withe the branchs customer service center. They have refused to identify the address that this letter was sent to. I have been waiting for 13 days and I still havent received any letter.

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 2025-10-16 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: VA

Complaint narrative:
Per the prior complaint I stated this was wrongful reporting on my credit. Yet and I quote ... XXXX XXXX says they did a thorough investigation! Yet I have my daughters credit report with XXXX account and her statement that she paid, never late and traded that vehicle.

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