vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America fail to modify both default loans the same time and second mortgage still want there money. 
XXXX XXXX XXXX initial $ XXXX $ XXXX XXXX XXXX when banks crash in XXXX we didnt even here no more from XXXX XXXX We purchase home XX/XX/XXXX before bank crash. 
We got a appove for Mofification years later that would take care both loans at {$870.00} pr month we did this but now 17 years later off a XXXX XXXX XXXX XXXX  $ XXXX balloon note XXXX XXXX is trying to take our home on the XXXX of XXXX of 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 2025-11-02 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: CA

Complaint narrative:
What happened? This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: MD

Complaint narrative:
am contacting you regarding your recent communication claiming that I owe a debt. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX, and I am requesting validation of the alleged debt you are attempting to collect. 

Since no account number was provided, please identify the alleged debt by supplying the following information : XXXX. Proof that I owe the debt, including : The name and address of the original creditor The alleged amount owed A copy of the original contract or agreement with my signature, if applicable XXXX. Evidence of your legal right to collect the debt, including : Proof of assignment, transfer, or ownership of the alleged debt Debt XXXX license number and state of issuance ( if applicable ) XXXX. A complete breakdown of the amount, including : Original balance Fees, interest, or other charges added Date of alleged default and last payment made Until this information is provided, please cease all collection efforts, including phone calls, letters, and credit reporting. 
If this debt has already been reported to any credit bureau, you are required to mark it as disputed. 

Please note that I request all future communication in writing only. 

Thank you for your cooperation. I expect your full response within XXXX  days of receipt of this letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: IL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: CA

Complaint narrative:
What happened? This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: CA

Complaint narrative:
What happened? This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Oliphant United, Inc.
State: TX

Complaint narrative:
XX/XX/year> XX/XX/year> On both dates I submitted requests for documents I signed to their establishment stating a contract agreement between XXXX XXXX and them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: VYSTAR CREDIT UNION
State: SC

Complaint narrative:
I was communicated to by personal with this company that when this debt was paid they would remove the negative remarks from my credit report. 

2021 is when this was supposed to be removed when the debt was paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Formal Demand for Validation and Investigation Results- Account XXXX XXXX XXXX XXXX XXXX XXXX  Debt Collector Name and Address XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Debt Validation and Cease of Collection Activities Pending Verification To Whom It May Concern, This correspondence constitutes a formal demand for debt validation and investigative disclosure pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
You are hereby required to produce complete and verifiable documentation substantiating your legal right to collect the alleged debt referenced above, including but not limited to proof of Ownership and Assignment : A complete chain of custody or assignment demonstrates lawful transfer of this debt, from the original creditor to your agency. Executed Contract : A true and complete copy of any signed agreement or contract bearing my signature, establishing my legal obligation to the alleged debt. Detailed Accounting : A comprehensive itemization of all debits, credits, interest, and fees claimed to be owed. Licensing Verification : Proof that your agency is duly licensed and authorized to collect debts in my state of residence. 
Pursuant to 15 U.S.C. 1692g ( b ), all collection activity must cease immediately until you furnish the documentation required for proper validation. Any attempt to collect, report, or communicate this debt to third parties in the absence of validation shall constitute a willful violation of federal law and may result in civil liability under both the FDCPA and FCRA. 
Should you fail to provide full verification within XXXX calendar days of receipt of this notice, you are expected to : Permanently cease all collection efforts, remove any negative reporting from all consumer reporting agencies, and Refrain from any further contact except to confirm cessation. 
This notice does not constitute an acknowledgment of the alleged debt, not a waiver of any of my rights under federal or state law. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a complaint against XXXXCapital One for inaccurate and outdated credit reporting. I am currently under XXXX  XXXX bankruptcy and have no open credit accounts, yet CreditWise continues to show negative and delinquent information that should have been removed or updated. 

This misinformation is harming my credit score and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), which requires accurate and updated reporting. I request the Attorney Generals office to investigate and compel XXXXCapital One to correct and update my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Date of Birth : XX/XX/XXXX SSN ( XXXX ) Date : XXXX XXXX To : Experian XXXX XXXXXXXX XXXX, XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Request for Reinvestigation and Deletion of Inaccurate Late Payments FCRA 607 ( b ) & 611 Dear [ Credit Bureau Name ], I am writing to dispute several late payment entries listed on my credit report, which I believe are inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Under FCRA 607 ( b ), credit bureaus are required to report information with maximum possible accuracy. 

Upon reviewing my XXXX credit report ( Reference # XXXX, Report Date : XX/XX/XXXX ), I identified the following accounts showing late or missed payment notations that are incorrect or unverifiable : 1. XXXX XXXX XXXX  Account XXXX XXXX Reported 30/60/90-day late payments during [ insert months/year shown on report ]. 
Reason for dispute : These late payments are inaccurate ; my records show on-time payments, and I have documentation to verify this. Please conduct a reinvestigation and delete or correct these entries if they can not be verified. 
2. XXXX XXXX  Account # XXXX Reported 60/90/120-day late payments and/or charged-off status. 
Reason for dispute : The reported delinquencies are inconsistent with my payment records. The account appears to have been re-aged or incorrectly updated after closure. Please verify the dates and amounts reported. 
3. XXXX XXXX XXXX Account # XXXX Listed as a collection following late payment from an original creditor. 
Reason for dispute : I never received validation of this debt, and the alleged late payment from the original creditor is unverified. Please confirm the accuracy of the payment history or delete this entry entirely. 
I request that your office perform a reasonable reinvestigation under FCRA 611, contact each furnisher of the disputed information, and delete or correct all unverifiable or inaccurate data.

Enclosed are copies of my drivers license, proof of address, and supporting documents showing my payment history. Please provide written confirmation of the results of your reinvestigation and a corrected copy of my credit report once completed.

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I currently am trying to open a XXXXXXXX XXXX  account with capital one for my daughter. We have the account open and even have the card, but can not set up online access for her due to their verification process. They make you verify with your phone number, but since my teens phone is on my phone plan and not in her name, it will not verify the account. The only solution they have offered is to wait and it could take up to a month. I don't think like this is acceptable solution they need to have another way to verify the account. I already have XXXX other children with this same account and had no issues opening them. I don't know what changed but they need to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: PA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Company : XXXX, XXXX Loan Number : XXXX Date Signed : XX/XX/XXXX Texas XXXX XXXX salesman XXXX used high-pressure door-to-door sales and * * promised in text messages * * : - XXXX electric bill - XXXX to XXXX kWh/year production * * PROOF OF FRAUD & DECEPTION * * : - * * Name error on contract * * : Lists borrower as * * XXXX XXXX * * legal name is * XXXX XXXX XXXX * * ( TILA violation ) XXXX XXXX * Botched install admitted in text * * : Half not hooked up. Wires backwards. Needs XXXX more circuits. 
- * * Enphase Lifetime Report ( XXXX ) * * : Only * * XXXX MWh total XXXX MWh/year * * * * 20 % below promise * * - * * XXXX XXXX XXXX XXXX XXXX : Pre-solar ( XX/XX/XXXX ) : * * {$330.00} * * XX/XX/XXXX : * * {$260.00} * * ( XXXX kWh used / XXXX kWh solar ) + {$480.00} loan = * * {$740.00} * * XX/XX/XXXX : * * {$170.00} * * ( XXXX kWh used / XXXX kWh solar ) + {$480.00} loan = * * {$650.00} * * * * I pay {$370.00} MORE per month than before solar * * This violates * * TILA * * and * * Texas XXXX XXXX * *. 

* * I DEMAND * * : 1. Full loan cancellation 2. Panel removal at no cost XXXX. Refund of all payments + interest I have already sent TILA rescission notice today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BMO XXXX Harris bank is not only incompetent, but apparently they can not read as well. I have sent numerous e-mails to them asking them to STOP sending me correspondence, yet they have sent several additional e-mails as well as physical mail despite my requests to have them STOP. I have documentation of the requests as well, but the INCOMPETENT leadership at BMO XXXX Harris bank  refuses to comply with my requests. 

Because of their lack of customer service, I CLOSED my accounts with BMO XXXX  Harris and transferred all of my assets to XXXX XXXX. My accounts have been CLOSED, yet this XXXX  of a company continues to send UNWANTED SPAM to my e-mail as well as physical correspondence in the mail. They're like the obsessive ex who can't get over a breakup... 

Someone needs to step in and STOP these obsessive people from HARASSING past customers who no longer want anything to do with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I have a PDF of all the messages regarding this, but it is larger than the maximum you can upload. 

XX/XX/XXXX - wife ( XXXX XXXX ) requested baby sitting services via XXXX XX/XX/XXXX - wife paid {$200.00} deposit fee for daycare spot through XXXX XX/XX/XXXX - baby sitter notified us she didn't have a spot, offered to refund or " transfer '' the money to her mother who has a daycare. 

XX/XX/XXXX - wife requested refund, no response from baby sitter XX/XX/XXXX - notified baby sitter we want our money by XXXX. Baby sitter said we'd get paid the following Wednesday XX/XX/XXXX - no refund, OPENED VXXXX DISPUTE REF # XXXX XX/XX/XXXX - requested refund, baby sitter claimed XXXX was locked out for her due to XXXX outage from earlier that week. Wife offered alternative payment methods such as XXXX XXXX. Baby sitter said her bank card and banking account is all through XXXX 

XX/XX/XXXX - XXXXo sent determination on dispute back stating to contact the person who we transacted with to resolve and if unable to contact consider filing a report with law enforcement. 

XX/XX/XXXX - requested update on refund status, baby sitter claimed that she was working to get her XXXX account up but can't because it was a weekend. Attached support screenshot from XXXX 

XX/XX/XXXX - requested update, sent baby sitter screenshot of XXXX  case determination requesting us to go through law enforcement, baby sitter stated this was likely the reason her account was locked down since we filed a dispute. We requested money again, no response. 

XX/XX/XXXX- filed a police report with the XXXX XXXX, TN XXXX XXXX. 

XXXX - wife called XXXX support, stating we have a police report now on the incident to which they stated they couldn't help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief