vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Hello, Im reaching out because I believe a debt collection agency may have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ).

On [ insert date ], I received a call from [ Debt Collectors Company Name ], and during the conversation, the representative became rude and abusive. He said, You are in your feelings? You wont be getting a dime off, and then hung up on me. I found this behavior harassing, demeaning, and emotionally distressing. I did not authorize continued verbal mistreatment, and I believe their conduct may constitute a violation of federal consumer protection laws. 

I would like to know whether I have grounds for a claim and what steps I should take next. Please let me know if you offer a free consultation or can help evaluate this situation. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the presence of accounts being reported under my name without my knowledge, consent, or authorization. I have never opened, authorized, or managed these accounts. Their inclusion on my credit report is entirely inaccurate and misleading, and it represents a serious breach of the integrity of my financial profile. 
This situation is completely unacceptable. These unauthorized accounts are damaging my creditworthiness and causing undue stress. I require an immediate and thorough investigation to determine how and why these accounts were reported under my identity, and by whom.

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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I called to my roadside assistance and asked for a tow. The merchant did not tow my vehicle and I received a parking ticket as a result of this ( I was parked in a no-parking zone on Wednesdays and I needed to resolve it by moving my car ). The merchant refused to give me a refund, and my bank has refused to approve the chargeback and has not supplied any evidence that I received the service I requested nor have they responded to my requests for a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
I was contacted by professional scammers claiming to be with the XXXX XXXX XXXX XXXX. The claim was civilian citation payment. I was to obtain cash and buy bitcoin to send for payment. US Bank gave me a cash advance from my credit union credit card. I called University XXXX Wisconsin XXXX XXXX 6 times throughout the day for debit card withdrawal increase, speeding up posting transactions, and inquiries of transfer denials from my checking account. No one ever questioned me or asked if I could be getting scammed. The scammers reasoning and story felt real and I was scared. I finally XXXX searched a name from an image I received from the scammers and it came back with a scam warning.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-07-16 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: NY

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 explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent, inaccurate accounts, as I have no knowledge of any of these accounts due to the Equifax & Experian data breaches/ identity theft. All is being investigated by the FTC and CFPB. 

According to FCRA XXXXB this information must be blocked immediately until the investigation is over. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. 

Please remove all fraudulent, inaccurate accounts, as I do not know of any of these accounts due to the Equifax & Experian data breaches/ identity theft. All is being investigated by the FTC and CFPB. 

According to FCRA XXXXB this information must be blocked immediately until the investigation is over. I did not consent to, authorize, nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent, inaccurate accounts, as I have no knowledge of any of these accounts due to the Equifax & Experian data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA XXXXB this information must be blocked immediately until the investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/year>2025, I attempted to initiate a balance transfer of {$1100.00} from my XXXX  XXXX XXXX account to my Citi XXXX XXXX XXXX. Unfortunately, due to a human error, a typo, we entered an incorrect digit in the account number. We did not notice this mistake until approximately 14 days later, when the bank charged us. 

We immediately filed a dispute with Citi Bank and also informed XXXX  XXXX XXXX. Then, all of a sudden, just two days ago, we received a letter from Citi Bank stating that the dispute had been closed because the funds had already been disbursed to XXXX  XXXX XXXX. They claimed they could no longer take any action. 

After this, we reached out to Citi Bank again, trying to explain that they should have taken the initiative to resolve the issue. However, they continually refused to accept responsibility. Despite our repeated efforts, we felt helpless and turned to XXXX  XXXX XXXX, only to be met with a very rough and dismissive response. 

We are extremely frustrated. The {$1100.00} involved is nearly one third of my monthly income. This error was simply a minor typo, and yet neither the issuing bank nor the receiving bank is willing to take accountability. Legally and ethically, this kind of nominal mistake should not be grounds for denial, especially by the issuing bank. 

Our customer rights and the standard of customer service have both been ignored. We are deeply disappointed, frustrated, and feeling helpless. We are seeking your best assistance in resolving this matter. 

Information from Citi Bank : Customer ID : XXXX Trace ID : XXXX Case Number : 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 monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am STILL a victim of identity theft and have been for several years. I am still trying to recover. I have sent out the necessary documentation that would render a BLOCKING of the fraudulent items that have been placed onto my credit report, but when i called the credit agencies today, they all were saying they cant locate the documents i sent but rest assure to wait 30days, etc. for investigation to start and complete when i kept telling them. thats NOT how this works, not these circumstances, not situations involving identity theft and i've sent in my i.d theft report, proof of identity, list of fraud accounts and statement inside that affadavit... Those are the necessary documents needed for a credit agency to BLOCK items within four business days of receipt pursuant to FCRA 605B law and I've sent that. They did not HONOR MY BLOCK REQUEST, willfully. This is my livelihood and something i take very serious. I am in the mist of a big lawsuit in Federal court that is going to include all parties involved and ill make {$1000.00} per month in damages for every reported month with these fraudulent items.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of the following inquiries and/or accounts appearing on my credit report that I did not authorize or open : XXXX Hard Inquiry on XX/XX/XXXX Capital One Hard Inquiry on XX/XX/XXXX XXXX Account Reported XX/XX/XXXX Capital One Account Reported XX/XX/XXXX Under 15 U.S. Code 1681c-2, I am exercising my right to request a block of any information resulting from identity theft or unauthorized activity. These accounts and inquiries were reported without my knowledge or authorization and are negatively impacting my credit profile.

Please consider this a formal dispute and request for investigation. In accordance with the Fair Credit Reporting Act, I demand that these items be removed from my credit report unless you can verify, with supporting documentation, that I authorized these actions.

Enclosed are the following supporting documents : A copy of my government-issued ID A copy of a utility bill or bank statement ( proof of address ) A copy of my credit report highlighting the disputed entries If you determine that the information is indeed fraudulent or unverifiable, I request that you block or delete these items from my file and send me an updated copy of my credit report showing the corrections.

Please respond to this request within the timeframe required by the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/year> Spring Oaks Capital XXXX XXXX XXXX XXXX, VA XXXX Subject : Dispute of Debt and Request for Documentation Dear Spring Oaks Capital, I am writing to formally dispute the validity of the debt referenced by account number XXXX that you claim I owe. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that you cease all collection efforts until you provide the necessary documentation to validate this debt.

Specifically, I request the following documents : 1. Transfer Assignment : A copy of the transfer assignment from the original creditor to your agency.

2. Flow Agreement : Any agreements that outline the flow of the debt, including terms and conditions related to the transfer of ownership.

3. Bill of Sale : A copy of the bill of sale or any similar document that evidences the sale of the debt from the original creditor to your agency.

4. Original Contract : A copy of the original contract or agreement between myself and the original creditor, which details the terms of the debt.

Please consider this letter a formal request for verification of the debt. Until I receive the requested documents, I ask that all collection activities cease, as required by law.

Thank you for your prompt attention to this matter. Please respond within 30 days to avoid any further action on my part. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief