vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX  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 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 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have so many issues getting my money out of this account. The card us constantly in a fraud alert, I can not reach fraud 24/7. I call the customer service team and say that it is the card controls causing the issue but I did not have any card controls on. ALL my transactions are being declined on the card, it does not matter little or how large amount of money is there, the card is always declining. I can put money in the account but it is terribly hard to get the money out. I do not trust this bank.

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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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. 

XXXX XXXX XXXX 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 List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-10-25 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 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 2025-10-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Subject : Formal Request for Immediate Release of Funds Account Wrongfully Closed and Withheld To Whom It May Concern, I am writing to formally demand the release of funds associated with my Robinhood account, which has been improperly held for over a year. Despite numerous attempts to verify my identity and ownership, I have been repeatedly informed that my account is closed and that my funds can not be released. 

I have provided all requested documentation, including : A valid government-issued drivers license Recent bank statements clearly matching the linked account Any other identifying information requested by Robinhood representatives Each time I provide the requested documentation, I am told that it does not match which is incorrect and misleading. These repeated denials, despite valid proof, have caused significant delay and financial harm. 

I am requesting immediate confirmation of the status of my funds and a clear timeline for their release. If my funds have been, or are being, escheated to a state unclaimed property office, please provide written confirmation of : 1. The state to which the funds were remitted,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This erroneous item mischaracterizes my financial behavior. I respectfully request its deletion or correction.

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 2025-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Vehicle Repossession & Debt Collection Complaint Subject : Unlawful Vehicle Repossession and Loan Mismanagement submitting this complaint regarding the repossession of my vehicle and issues involving a second vehicle loan that has left me without transportation and in financial distress. 
Recently, my car was taken by a debt collection or repossession company without any notice or communication. I never received any letters, phone calls, or documents explaining why my vehicle was repossessed or identifying who took it. Because of this, I currently have no way to get to work and no clear information about what happened to my property. 
In addition, I had helped another person get a car, but that vehicle ended up being placed in my name only, and the other person stopped making payments. I have been left responsible for that loan even though I am not the one using the car. Now, both vehicles connected to my name have been taken or lost, and I am being held accountable for debts I did not fully create. 
I believe there have been serious mistakes, miscommunication, or possibly unfair practices related to these auto loans and the repossession 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 explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Student Loan Solutions, LLC
State: TX

Complaint narrative:
SLS filed a case against me titled : Student Loan Solutions LLC Court : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Following that case, a wage garnishment order was issued and executed through the XXXX XXXX XXXX XXXX ( Sheriff # XXXX, Service # XXXX ). According to the Return of Service dated XX/XX/year>, funds were collected from my wages at XXXX XXXX XXXX XXXX XXXX. 

However, I have never received verifiable proof that : 1. SLS legally purchased or was properly assigned my original student loan account from the original lender. 


2. The alleged debt is still within the statute of limitations for collection under XXXX  law ; 3. The total amount being collected ( {$3500.00}, according to the sheriffs record ) is accurate and lawfully owed.

Given these facts, I am concerned that SLS may be engaging in unlawful or deceptive debt collection practices by pursuing judgments and garnishments without valid ownership or documentation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: INTERNAL CREDIT SYSTEMS, INC
State: OH

Complaint narrative:
A collection agency called ICS ( Internal Credit Services ) has contacted me dozens of times and said I owe a debt of $ XXXX from a contract with Everybody Fitness. Which is accurate. So I have politely asked the agent ( XXXX ) what his companys name is, the address of the company, his full name, a validation letter of the debt, and written authorization letter that states that what I pay satisfies this debt as Paid in Full. I have also informed him that I would setup payment arrangements to settle this case, however I need this info because I have no idea if this company is legit or if this is a scam. 
XXXX has repeatedly told me that he doesnt have to provide this data and has threatened me with being sued, lawyer fees, court costs, and he said hewont confirm his company or himself in the means I ask of him XXXX XX/XX/year> - XXXX called me back and proceeded to tell me, Your father knows your worthless, I know your worthless, the Government knows your worthless. The courts are gon na XXXX you with lawyer fees and court costs. 
I simply want pay this debt, but I want reassurance that the debt collection agency is legit, this is not a scam, that what I pay satisfies the debt in full, and be done. But this XXXX agent ( XXXX ) will not work with me and continues to threaten me, curse me, and degrade me. 
I need help please!

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 2025-10-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : IQ Data International , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Communication Pursuant to 15 U.S.C. 1692c ( c ) Dear IQ Data International, Account # XXXX This letter serves as my formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), directing you to cease all communication with me regarding any alleged debt you claim I owe.

Under Section 805 ( c ) of the FDCPA, once you receive this letter, you are legally required to stop contacting me about this matter, except to : 1. Advise that your collection efforts are being terminated.

2. Notify me that you may invoke specified remedies permitted by law ; or 3. Notify me that you intend to invoke such a remedy.

I request that you immediately cease all telephone calls, written correspondence, electronic communications, or any other form of contact regarding this alleged debt.

Please also note that any further communication after your receipt of this letter will be considered a willful violation of the FDCPA and may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office for appropriate legal action. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am submitting this complaint regarding Equifax Information Services LLC, which has failed to provide me with access to my free annual credit report, as required by federal consumer protection law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681j ( a ), every consumer is entitled to obtain a free copy of their credit report from each nationwide consumer reporting agency once every 12 months, and since XXXX, the nationwide agencies ( Equifax, XXXX XXXX XXXX ) have been required to provide free weekly credit reports via XXXX. 
please unlock or unblock my credit report im trying to buy a house Equifaxs refusal to provide my free credit report violates my rights under the Fair Credit Reporting Act and CFPB regulations that ensure consumers can access their personal credit information without unnecessary barriers. 
I request that the CFPB investigate this issue and require Equifax to : Provide me with my free credit report immediately ; Correct any systemic issues preventing consumers from accessing their free reports ; and Ensure compliance with federal law regarding consumer access rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A business Account number XXXX was opened XX/XX/year>. This is due to identity theft. My business and personal information were stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Requested : validation of debt and never received info : Radius Global Solutions LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Validation of Alleged Debt Account XXXX XXXXXXXX To Whom It May Concern : I am writing regarding the alleged debt of {$3300.00} purportedly owed to XXXX  XXXX, which you claim I am responsible for. I do not acknowledge this debt and hereby dispute it in its entirety. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide me with proper validation of this alleged debt, including but not limited to : The name and address of the original creditor. 

A complete itemization of the alleged debt, including principal, interest, fees, and any other charges. 

A copy of any agreement or contract bearing my signature showing that I am legally obligated to pay this debt. 

Proof that your company is authorized to collect on this debt within my state. 

Until such time as you provide the above documentation, you must cease all collection activity and not report this debt to any credit reporting agency. If you have already reported it, you are required to notify them of my dispute under 15 U.S.C. 1692e ( 8 ). 

Please be advised that I am keeping detailed records of all correspondence for potential use in filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals office, should you fail to comply with the law. 

I expect your response within 30 days of your receipt of this letter. If you can not provide the requested documentation, you must cease collection efforts and remove any negative credit reporting associated with this alleged debt. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-10-27 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: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I attempted to pay my XXXX credit card via XXXX XXXX as per usual. The bank was updating their payment system. 

The first payment via check from bank was never credited. 

Phone calls were repeated even though I explained the situation. 

I paid again the amount due. {$30.00} late fee was waived, but only up to {$10.00} in interest fee was credited. 

Phone calls still were coming in repeatedly after sending a second payment. 

Customer service was rude and hung up on me when I wanted to initiate arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and 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 2025-10-27 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I can not add my Macys credit card to online access despite multiple calls. During attempts, my card number and email were changed by representatives, but I still can not register or log in.

Timeline : [ dates + agents if known ].

Harm : I cant view statements, set alerts, or ensure timely payments.

Requested resolution : ( 1 ) Enable online access and confirm correct contact details ; ( 2 ) explain why prior fixes failed and what permanent solution is applied ; ( 3 ) confirm no fees/interest/negative reporting will result from failure to provide access.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Personal information was impacted by this incident- Engagement number : XXXX for XXXX Data Breach, to remove off my credit report. 

XXXX - Fair Credit Reporting Act ( 15 U.S.C 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C 1693g ) .and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  Balance {$1500.00} Updated XX/XX/year>XXXX  ( 15 U.S.C 1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C 1692g ) XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance {$1100.00} Updated XX/XX/year> ( 15 U.S.C 1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C 1692g ) XXXX XXXX XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$2700.00} Update XX/XX/year>XXXX  Fair Credit Reporting Act ( 15 U.S.C 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C 1692g ) LVNV Funding LLC - Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$4800.00} Updated XX/XX/year>XXXX  Fair Credit Reporting Act ( 15 U.S.C 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C 1692g ) XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXXXXXX XXXX XXXX  Balance : {$730.00} Updated XXXX XX/XX/year>XXXX  Fair Credit Reporting Act ( 15 U.S, C 1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C 1692g ).

Sent letters certified with ID and verification, should be resolved by taking off my credit report due to Data breach.

Company response to consumer: Closed with explanation