vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX  before the payment due date. I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-11 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-11 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-11 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
I am disputing a collection from Columbia Debt Recovery LLC, XXXX Genesis related to XXXX XXXX XXXX  ( managed by XXXX XXXX XXXX ). 

On XX/XX/year>, I formally disputed the charges with the landlord, requesting an itemized breakdown of move-out costs and invoice receipts/explanation per Tennessee Code 66-28-301. The charges included : {$130.00} for professional cleaning, not required by lease and not justified by inspection photos ( only minor cobwebs and carpet wear after XXXX XXXX  ) {$100.00} for wallpaper removal, based on an invoice for {$250.00} that also included unspecified drywall repair with no proof of damage I received no response. On XXXX XXXX I disputed the debt with the collection agency and requested validation under the Fair Debt Collection Practices Act ( FDCPA ). They did not respond and still reported the debt, causing a XXXX drop in my credit score. 

This debt is inaccurate, was not properly validated, and was reported despite clear dispute communications. Supporting documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I lost XXXX XXXX payments because Bank of Americas system unexpectedly unlinked my long-time XXXX phone XXXX without my authorization. I have used the same phone number with XXXX through Bank of America for many years without any issues. Last month, without my action, my number was removed from XXXX. 

Because of this, XXXX incoming XXXX payments were lost : XX/XX/year>, {$1800.00} from a XXXX XXXX  customer. XXXX trace shows the funds were sent out and posted, but not returned. XXXX has provided a written letter confirming this. 

XX/XX/year>, {$2600.00} from a XXXX XXXX  customer. XXXX also shows the funds were sent out. 

Both senders talked to their banks and filed a dispute. Both banks confirmed the funds were sent and posted, but neither bank has been able to trace the money or return it. XXXX provided a letter stating the funds were sent out and not returned. My own bank XXXX Bank of America XXXX has told me multiple times that, as the receiver, I can not trace the funds. XXXX support has also told me they can not take action. 

This situation is unacceptable. I have spoken to Bank of America XXXX times, visited a branch, and called XXXX support multiple times. All parties continue to deny responsibility, while I am left missing {$4400.00} due to what appears to be either a Bank of America or XXXX system error. 

Resolution Requested : XXXX. Immediate investigation and trace of both missing XXXX payments. 

XXXX. Written explanation of why my phone number was removed from XXXX without my authorization. 

XXXX. Reimbursement of the missing {$4400.00} or recovery of the funds from XXXX settlement system. 

XXXX. Assurance that XXXX enrollment errors like this will not result in permanent loss of customer funds in the future.

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 2025-09-11 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: NJ

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. 

Please delete the following 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 M - Incorrect Personal, has violated my rights. 

I looked at my credit bureau 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 generally, 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover Bank Dispute, On XX/XX/2025, I sent a dispute and validation request directly to Discover Bank regarding a purported charge-off account. Despite legal obligations, Discover Bank failed to address XXXX & XXXX ( b ) - ( c ) and FCRA obligations in regards to giving me the consumer the right to opt out and they disclosed my personal consumers nonpublic personal information to XXXX parties. 

XXXX  XXXX ( b ) ( c ) : Privacy and Opt-Out Requirements. Under 15 U.S.C. 6802 ( b ), a financial institution can not disclose a consumers nonpublic personal information to nonaffiliated third parties without first providing a clear privacy notice and an opportunity to opt out. Section 6802 ( c ) prohibits re-disclosure or reuse of such information by third parties. Discover Bank has failed to provide evidence that such notices, opt-out mechanisms, or my signed consent were ever given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I hold a Chase certificate of deposit ( CD ) scheduled to mature on XX/XX/XXXX. On XX/XX/XXXX, I called Chase to schedule the CD to close after it matured on XX/XX/XXXX so the funds could be moved without penalty. During the call, the representative did not inform or remind me that any action taken that day would trigger an early withdrawal penalty. 

After the call, I discovered the representative immediately redeemed/closed my CD on XX/XX/XXXX, XXXX days before maturity, and Chase assessed an early withdrawal penalty of {$300.00} and caused a loss of interest I would have earned through XX/XX/XXXX of approximately {$300.00}. This outcome was contrary to my request ( to schedule a post-maturity closure ) and occurred without disclosure of the penalty during the call. 

I promptly contacted Chase the same day ( XX/XX/XXXX ) to correct the issue. I was told the CD was already canceled and can not be recalled. I believe this was a Chase agent error, not a customer-initiated early withdrawal, and that the penalty and lost interest are the direct result of that error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
To Whom It May Concern, This letter is being sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. I recently became aware of your reporting and/or collection activity regarding the above-referenced account. 

Please be advised that I dispute this debt in its entirety and request full validation. Until you provide proper validation, you must immediately cease all collection activity and cease furnishing information to any credit reporting agencies, as required under law. 

Accordingly, I demand that you provide the following documentation : XXXX. Proof of Debt & Legal Obligation - The name and address of the original creditor. 
- The original signed agreement or contract bearing my signature that created the alleged obligation. 
- A full itemized accounting of the alleged balance, including principal, interest, late fees, penalties, and any other charges, with the legal/contractual basis for each. 

XXXX. Proof of Your Legal Right to Collect - Documentation establishing that you are the rightful owner of the debt or have been legally assigned the account ( including the bill of sale, assignment, or chain of title from the original creditor through any prior owners ). 
- Proof that your agency is licensed and authorized to collect debts in my state, including your license number and registered agent information. 

XXXX. Statutory Verification - The date of the last payment made on the account.

- Verification that the alleged debt is within the statute of limitations for collection in my state.

- Proof of compliance with 15 U.S.C. 1692e ( 8 ) ( prohibition of reporting disputed debts without notice ). 

Notice of Rights & Remedies - If you can not provide full validation, you must immediately notify the credit bureaus to delete this tradeline from my credit file. 
- Any continued reporting, collection, or transfer of this debt without proper validation will constitute a violation of FDCPA 809 ( b ) and FCRA 623 ( a ) ( 1 ) ( A ).

- Such violations may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as civil litigation under 15 U.S.C. 1692k for damages, attorneys fees, and costs. 

I request a full and complete response within XXXX XXXX of receipt of this letter. Please send all correspondence by mail only to the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX XXXX XXXX XXXX business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

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


XXXX XXXX XXXX : # XXXX looked at my Experian credit report on XXXX XXXX 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 reporting it shall follow reasonable procedures to assure maximum possible accuracy of the of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general, after reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete 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. 

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

15 U.S.C 1681 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 information, other than records of convictions of crimes which antedates the report by more than XXXX 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 the 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