vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
They really know that that was owed supposedly was the XXXX XXXX card with the bank XXXX  bank. I had paid the card off. They stated that they never seen the payment and asked me to email them the statements from my bank that showed the money coming out of the account to their card so I sent them those Emails with my bank statement and the bank also sent them a letter stating that the money was not returned back to my card and that this debt was paid. But XXXX  Bank is stating that they never receive payment so I asked them to please show me the last credit card statements from XX/XX/year> to XX/XX/year> that shows me making payments to the card. They stated that they could not go back that far because they were in the warehouse and they didnt have access to it. The amount that was sold to the bureaus is {$740.00} but the amount of debt was owed was lower. They got XXXX from interest in late payment after I stated to them that I have paid the balance in full therefore, I do not owe the debt. I even gave them evidence showing that this debt was paid in full. They were not able to provide me with any statement showing that I still owe this debt or any money that went towards the debt. There was also a glitch in XXXX Bank system around the time that I had done my payments. Something about the payments werent being reflected on the account, but I made sure that that account was paid in full and then I have closed the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Debt collectors are trying to collect a debt in a state where they are not licensed in which makes it illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: NC

Complaint narrative:
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. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$7000.00} 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 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate the Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: GA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : 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 explanation
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  BANK ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days 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! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one had flagged my account and Ive already paid off the balance in the account i want this removed and updated also please remove from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: AR

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As a consumer I have right to privacy and put it in a public record. My right to privacy is being violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I deposited a check from my retirement company in person at a branch on XX/XX/year> in the amount of {$8900.00}. At the time of deposit, I was provided a hold notice indicating that the funds would be available on XX/XX/year>. 
However, on XX/XX/XXXX, the bank extended the hold without prior notice or explanation. As of today, I have not received a new written or electronic notice citing a reason for the extended delay or providing a revised availability date. 
This caused my account to go into the negative by over {$5000.00}. 
Under Regulation CC ( 12 CFR Part 229 ), banks are required to : 1. Provide a written notice of any funds-availability delay beyond the initial schedule, including the reason for the hold and the date when the funds will be available ( 229.13 ( g ) ( 1 ) ) ; and 2. Ensure that any extension of a hold beyond the original notice date is supported by a valid exception, such as a large deposit, new account, or other safeguard exception under 229.13. 
Because the deposit was made in person at a branch and no new notice was provided, I respectfully request either : Immediate release of the held funds ; or A written explanation identifying the specific exception under Regulation CC being applied, the reason for the extended hold, and the exact date the funds will be made available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: VA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Subject : Unreasonable Delay and Lack of Disclosure in Auto Lease Buyout Ally Bank I am filing a complaint against Ally Bank regarding their mishandling of my auto lease buyout and failure to disclose key processing policies, which has caused significant delay and inconvenience.

Summary of Issue : I completed a lease buyout with Ally Bank using financing from another bank. Ally Bank cashed the payoff check on XX/XX/year>, confirming they received full payment for the vehicle. However, despite having the funds, they failed to finalize the transaction for over XXXX weeks. 
After multiple calls, I was told Ally has a XXXX policy to complete lease buyouts yet no such policy was ever disclosed in my lease agreement, payoff instructions, or any communication. Neither I nor my financing bank could locate this policy in writing when requested. 
Ally finally completed the transaction and sent final documents for me to sign on XX/XX/year>, at which time I was told the vehicle title would be mailed within XXXX days. However, as of XX/XX/year>, I had still not received the title. Upon further inquiry, Ally informed me that the title was only mailed on XX/XX/year> more than a month after payment was cashed and could not explain the reason for this extended delay. 

They also have delayed removal of them from title by not providing copies of all necessary documents ( bill of sale, letter stating taxes have been paid off, etc ) for process at the local DMV/State controller when the title was sent to myself. Due to this further delays are now ongoing since Ally provides no other options for documents to be sent to the consumer other than mail. 

Concerns : XXXXAlly held full payment for nearly XXXX months without completing the transaction in a timely manner. 
XXXXThe undisclosed XXXX policy appears to be an internal delay practice not communicated to consumers. 
XXXXFailure to meet promised timelines has left me and my financing bank unable to complete the title transfer, exposing me to potential financial and credit complications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
At the time of XX/XX/year> I was on XXXX and I kept getting collection calls and I still took this day get XXXX calls about a medical bill that was sent to collections for {$1700.00} but XXXX  done my research and was told that it is illegal to collect on a XXXX patient and they keep hounding me and blowing up my phone about an unpaid medical bill that XXXX  been paid to my insurance, but they are also telling me that my insurance will not pay for it because its out of the window, but I was also never notified until a year ago about it and XXXX  been fighting this over a year and a half and XXXX  still on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute numerous inaccuracies on my credit report that have caused me significant financial and personal distress. Despite my repeated attempts to resolve these matters directly with the creditors, the errors remain uncorrected. These actions violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates accurate reporting and prompt correction of disputed information. 

Issue Summary & Law Violations : Wrong Address Reporting Account reporting address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Multiple creditors have reported incorrect addresses on my accounts, causing identity verification issues. 
Law : FCRA 1681e ( b ) requires maximum possible accuracy in credit reporting. 

Incorrect Account Status Charge Offs & Late Payments XXXX  XXXX Charge Off, High Balance {$6600.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Off, High Balance {$2700.00} XXXX XXXXXXXX Charge Off, High Balance {$480.00} XXXX XXXX XXXX Charge Off, High Balance {$5100.00} XXXX XXXX Late Payment XXXX XXXX XXXXXXXX Late Payment XXXX XXXX XXXXXXXX Late Payment XXXX ( All Listed Loans ) Late Payment These entries are either inaccurate, misleading, or improperly reported, resulting in a substantial negative impact on my creditworthiness. 
Law : FCRA 1681i & 1681s-2 ( b ) Obligation of furnishers to investigate disputes and correct inaccurate information. 

Unauthorized Hard Inquiry XXXX XXXX XX/XX/year> This inquiry appears without my authorization.

Law : FCRA 604 requires consumer consent for hard inquiries. 

Supporting Facts & Story : I have consistently maintained good financial practices and have documentation proving timely payments for several of these accounts. Despite this, the inaccuracies listed above remain uncorrected. The repeated reporting of wrong addresses, charge-offs, late payments, and unauthorized inquiries has caused me emotional distress, difficulty securing credit, and potential financial harm. I have attempted to contact each creditor to resolve these issues directly, but the efforts were ignored or inadequately addressed. 

Requested Action : Immediate investigation and correction of all inaccurate account information. 

Removal of all improperly reported charge-offs, late payments, and unauthorized inquiries. 

Confirmation in writing that these corrections have been made. 

I expect CFPB to take swift action as required by federal law. I am prepared to provide any documentation necessary to support this dispute. 

Thank you for your attention to this urgent matter.

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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My account serviced by citizens bank, na has been subject to fees as a result of the banks error in removing a formerly authorized party. I asked repeatedly and signed document to have my childs father removed from my account to avoid unauthorized charges. I came in and explained we were no longer living together. I took all the steps and the paper work was not processed, XXXX times. He was able to transfer over {$7000.00} from my account causing nearly {$2000.00} in overdraft fees and after repeated pleas the bank finally removed him. They refused to refund any of the bank fees or respond to my online and physical inquiries. The bank has failed to give me a proper accounting for miscellaneous charges associated with my account and provide accurate ledger descriptions of amounts debited as miscellaneous. This has caused undue burden to me and my business.

Company response to consumer: Closed with monetary relief