vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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:
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 non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Was written a check for {$1500.00} by a friend legally. I attempted to mobile deposit the check at their request and had issues with it. Eventually I was able to get it to start processing. Got the message that I may take till the XXXX. The friend and I then decided it would be best to do it another way that was quicker like cashapp. So I wanted to cancel the request. I called in to cancel the request as well as pondering on another separate issue. I was connected to the fraud department and before I could even say anything I was told that my account would be closed and im not sure why? I didn't do anything illegal. The check was legitimate. I will have to contact the partner for proof.

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 2025-11-13 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 file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: RENASANT CORPORATION
State: MS

Complaint narrative:
Renasant XXXX  in XXXX, XXXX allowed a scammer to get access into our online operating and payroll accounts on XXXX the XXXX, XXXX, and XXXX, the scammer was able to access our account and set up XXXX ACH transactions totaling {$39000.00} on each of the XXXX dates listed above, and move money through online transfers from both accounts, they transferred {$110000.00} total into their Bank account and now Renasant is claiming they have no responsibility in this 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 explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am trying to contact Robinhood for help with overcontribution in my XXXX XXXX  but it's been weeks and unable to get ahold of anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Amount trying to collect is inaccurate.fail to provide me with the flow agreement, bill of sale and copy of original contract with my signature.adding 15 u s code 1692 g

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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 filing this complaint because there are accounts on my credit report that were reported without a permissible purpose under FCRA 604. I am requesting that the furnisher and the credit reporting agency provide proof of legal authority and a valid permissible purpose to obtain use or share my personal information. If they can not verify this then under FCRA 607b and 611 the accounts must be deleted for being inaccurate or unverifiable. I am requesting a full review and immediate action.

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 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
The company says that I owe unpaid insurance premium that was already paid to XXXX XXXX XXXX and the company holding the debt that say I owe says need to pay the debt collections company that I have never seen or done business with I need to have that company deleted from my credit profile.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I cancelled the credit card from capital1 bank Ive had months paying for it, they have been charging me for high intrest when the card has been cancelled

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MS

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-13 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: MS

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: FL

Complaint narrative:
On XX/XX/XXXX, at approximately XXXXXXXX XXXX I spoke with XXXX XXXX from Sentry Credit Inc. regarding an alleged balance of {$3200.00} that the company was attempting to collect on behalf of XXXX XXXX XXXX XXXX XXXX XXXX. I informed XXXX that I would be disputing this debt. 

I am now requesting immediate investigation and removal of any collection entries associated with this account. 

Basis of Dispute We vacated XXXX XXXX XXXX XXXX on XX/XX/XXXX, after submitting a written notice on XX/XX/XXXX, advising the landlord that we would terminate the lease if serious health hazards ( mold ) were not remedied within seven ( 7 ) days. This notice was made pursuant to Florida Statutes XXXX, which requires landlords to maintain the premises in compliance with building, housing, and health codes. 

The landlord failed to address the mold issue or employ a licensed mold remediation specialist as required by law. In accordance with Florida Statutes 83.56 ( 1 ), we lawfully terminated the lease due to the landlords noncompliance. 

Improper Debt Collection and Licensing Issues Sentry Credit , Inc. has reported this alleged debt to credit bureaus, including XXXX  and XXXX, with an opening date of XX/XX/XXXX. However, I was first contacted on XX/XX/XXXX, after the debt had already been reported in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

Additionally, Sentry Credit , Inc. is based in Washington State and is not licensed to collect debts in the State of Florida, making any collection efforts directed at me in Florida unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Inquiries XXXX XXXX XXXXXX/XX/year> Reason for Dispute : I do not recall authorizing this inquiry or am unsure if it was for a permissible purpose. I request verification of authorization or removal if it can not be verified. 

Late Payment XXXX  XXXX Account No. XXXX XXXX XXXX XXXX XXXX  Reason for Dispute : The reported late payment appears inaccurate. I request verification or removal if the item can not be verified.

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 2025-11-13 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: FL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
I am sending this complaint to Equifax regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
under the Fair Credit Reporting Act ( FCRA ), it is generally illegal to report information on my credit report without my permission, as this violates my privacy rights. The FCRA requires " permissible purpose '' for a person or organization to access my credit report and allows me to sue for damages if this rule is broken. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove all negative item from my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 611.

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 2025-11-13 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: SC

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 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 2025-11-13 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: LA

Complaint narrative:
I am filing a complaint regarding inaccurate and unverifiable information being reported by Experian. Despite my previous attempts to dispute directly with the bureau, these items remain on my report. 

Charged-Off Accounts XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$8100.00} Reason for Dispute : The balance and charge-off reporting appear inconsistent with my records. I have not received documentation verifying that this account was charged off or that the balance shown is accurate. I request full verification or deletion of this entry. 

XXXX XXXX  ( XXXX XXXX  ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$4800.00} Reason for Dispute : The charge-off status, date, and balance reporting appear inaccurate. I request validation of this information or its removal if Experian can not fully verify it. 

Inquiries XXXX XXXX XXXX Dated XX/XX/XXXX Reason for Dispute : I do not recall authorizing this inquiry. I request that Experian verify whether this hard inquiry was made with my written consent or a permissible purpose. If not verifiable, it should be removed from my file.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
REGIONAL ACCEPTANCE CO is falsely reporting on my credit. I have never had any accounts with them. Per my research REGIONAL ACCEPTANCE CO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AZ

Complaint narrative:
I am currently in an official federal loan discharge review period. Despite this, MOHELA has continued to send billing statements and payment demands. Federal regulations require that collection activity pause during a discharge review, but MOHELA has not honored this. 

I began receiving improper billing notices in XX/XX/year>. These notices continued through the present date, even though my discharge review was submitted and acknowledged on XX/XX/year>. I requested that MOHELA confirm my review status, stop collection activity, and correct my account. They have not provided this information, and the billing notices continued. 

I sent follow-up requests asking MOHELA to update my account to reflect the discharge review and to provide written confirmation that collection activity would stop. They did not provide the requested information, and the collection activity continued. 

Because MOHELA is attempting to collect payment during a period in which I am not legally required to make payments, this has caused confusion and concern. MOHELA has now reported delinquency on my account to the major credit bureaus. 

I am seeking assistance to ensure that MOHELA stops collection attempts, corrects all incorrect notices, and updates my account to accurately reflect my discharge review status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: CO

Complaint narrative:
I discovered that there was a collection on my credit report placed by CBE GROUP on behalf of the Original creditor XXXX XXXX XXXX. The credit balance is {$910.00} and the collection was placed on XX/XX/year>. 

I will be disputing the collection through XXXX  but want to have this fraud report filed as well to supply as evidence. 

I called CBE Group and their phone system links you to a message saying that the phone number is not in service. I called back several times and have never been able to reach a person. I left a voicemail at the receptionist desk, but have not heard back from anyone. 

The account number associated with the collection is XXXX. 

I am applying for credit with a lender and this has become an issue. This is a fraudulent collection that has to originated from identity theft because I have not opened nor given permission to open any accounts with XXXX XXXX that have not been paid. I do not even know anything about the account that they are saying is mine and believe that service for this account originated from a state that I have never been a residence of or have any business in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: LA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain entries on my credit report. Below are the accounts I am disputing for each bureau. These accounts are reported as " charged off '' and I believe they contain inaccuracies that need to be addressed. 

I am disputing the following charged-off accounts on my TransUnion report : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9500.00}

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