vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL

Complaint narrative:
XXXX ( CAM ) I live in Florida. CAM claims to be the current creditor for an alleged account. I am disputing their conduct because they have violated federal and state law. 
XXXX. Post-dispute collection without validation ( FDCPA 809 ( b ) ) On XX/XX/year>, I mailed CAM a written dispute and validation request. USPS shows CAM received it on XX/XX/year>. XXXX never provided validation. Instead, CAM allowed its third-party debt collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX to send me a collection letter on XX/XX/year>. 
Under the FDCPA, collection must stop until validation is provided. CAM is responsible for XXXX  actions. Continuing collection without validation is illegal. 
XXXX. False representation of the character of the debt ( FDCPA 807 ( 2 ) ( A ) ; FCCPA 559.72 ( 9 ) ) The SRLP letter dated XX/XX/year>, lists Principal Balance : {$32000.00}. This is false. The charge-off records show : Principal : {$27000.00} Interest : {$4700.00} Fees : {$220.00} Total = {$32000.00}. 
CAM, through XXXX, misrepresented the character of the debt by calling the entire balance principal. 

XXXX. Ownership not substantiated CAM has not shown proof it owns my account. 

The Bill of Sale ( signed XX/XX/year>, effective XX/XX/year> ) was signed by XXXX as XXXX. It is missing Schedule I ( the loan list ). 
XXXX XXXX XXXX XXXX certification ( signed XX/XX/year> ) refers to Exhibit A, but that exhibit is missing. 
The certification was signed XXXX  days after the Bill of Sale, leaving a timing gap. 
Without Schedule I, Exhibit A, and proof of servicer authority, CAM has not proven ownership of my account. 

XXXX. XXXX accommodation ignored In my XX/XX/year> letter, I requested an ADA accommodation : written-only communication by U.S. Mail due to XXXX. CAM ignored this request. 

Impact : CAMs actions have caused confusion, stress, and risk of inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/year> 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Javitch, Block & Rathbone LLC
State: KY

Complaint narrative:
The company garnished my wages for {$3100.00} as per the court order. Then once they were paid the {$3100.00}. XXXX receiving this LAST AND FINAL PAYMENT ( REFERENCE XXXX ) Case XXXX. They then send another default judgement for another {$200.00}. I called the clerk 's office and they stated it would be in my best interest just to pay the {$200.00} directly to them to close this out. 
What they did was unlawful? I tried to work with them before they garnished my wages and they refused. They were paid the full amount and then demanded more money

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 2025-08-16 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: Kriya Capital, LLC
State: NV

Complaint narrative:
I received notification from my monitoring system that a collection account had been added to my credit report. Considering that I have no accounts in collection I checked to find that a XXXX XXXX account for another person went into collection and Credence Resource Management reported it to my credit report and added the person 's name to be associated with my social security number. This person 's name was never listed as an XXXX  name under me until reported by Credence Resource. I was never on this person 's XXXX XXXX account or associated with it. The person is my ex-mother in law ( divorced over 10 years ago ) and I am assuming that XXXX made an association that way. The collection was reported to the credit bureau in XX/XX/year>. I have contacted Credence on monday XX/XX/XXXX for information and am waiting for a response. I have also filed disputes with all XXXX credit bureaus. Because of this error my credit score has declined significantly. This should not have occurred in the first place and Credence should be held accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: WI

Complaint narrative:
Today, XX/XX/XXXX at about XXXX or so I started calling Cash app to speak with someone about unlocking my account as I need to pay a bill I was told I couldnt be transferred at all and was hung up on so I called back. I was told that theres nothing they can do and that a manager would be contacting me by email not acceptable. Call back again after I was hung up on for the second time they told me pretty much the same thing they have no one there that can talk to me by phone and that they cant transfer me. They said a manager will contact me in one minute by email still its been several minutes if not going on 10 minutes. I have heard nothing this is unacceptable. Its one thing to lock the card, but itll freeze my money when I actually have to pay bills and theyre due at a certain time is not OK and I feel it would be illegal. This is all due to the XXXX. I went to initially gave a fraud alert. I went to a Different place., XXXX XXXX deposited the money on the card went into it and my account was locked due to fraud. I feel they need to be contacting their customers before they just lock people money and then tell them they have to wait XXXX to XXXX hours for the investigation that is absolutely unacceptable. That is stealing. If you ask me, I need my money. I need to pay a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: IA

Complaint narrative:
My XXXX payment has been late on my Total Visa card. At the point of the payment being roughly XXXX  days late, Total Visa reported it to the credit bureaus as 30 days late in violation of Federal statute and law. I contacted their customer support department and after speaking with a support agent incapable of helping resolve the illegally reported late payment, I requested a supervisor. The XXXX XXXX ' informed me they have no access in any way to anyone with the capability to reverse the illegal actions taken, or the damage done to my credit. The Customer Support department is essentially just there to collect payments.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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 2025-08-16 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: TX

Complaint narrative:
Re : Request for Block of Fraudulent Information Under FCRA Section 605B Dear Credit Bureau Representative, I am a victim of identity theft and I am invoking my rights under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). This section requires you to block and remove fraudulent accounts from my credit file within XXXX business days after receiving proper identification and an identity theft report. 

The following accounts are fraudulent and must be removed from my credit file immediately : 1.XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX / XXXX Collection Account XXXX XXXX Enclosed are the following documents to support my request : 1.A copy of my government-issued ID 2.Proof of address ( utility bill, lease, or bank statement ) 3.A copy of my FTC Identity Theft Report / Police Report Please block and remove these accounts immediately and provide written confirmation once the block has been applied. If you fail to comply, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas Attorney Generals office. 

Sincerely, 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 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I had XXXX charges from XXXX XXXX for XXXX each. My card was used to purchase XXXX digital sim cards. I immediately called Citi and disputed the fraudulent charges and got a new credit card. The charges were still being attempted even as the card was being canceled. Citi said that it was taken care of and I got my money back but now XXXX  months later they have reversed that decision because XXXX XXXX says that the product has been delivered to my physical address which is not possible since its a digital product. I did get an email containing access to the sims. I also immediately changed all of my passwords including email. I did not open or redeem the digital sim cards.

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 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My PayPal XXXX from synchrony bank credit limit was decreased from roughly {$1400.00} to {$250.00} without any notice whatsoever. 

Today, XX/XX/year> at XXXX ( XXXX XXXX ) I called to ask why there was no notice given either in the mail or email. 

They told me that there was an email sent. I asked the customer service representative when the email was sent and the subject lines specifically. They've answered well sometimes there can be a delay and that the email actually was not sent so no notice was given of my credit line decrease. 

This practice is highly unethical because I was using the card which then led to an extremely high utilization rate adversely affecting my credit score. 

I am currently trying to apply for an apartment and this practice has caused harm to my credit. This account has never had a 30 day late payment. 

It is also very frustrating to have customer service hang up mid conversation when you are trying to resolve issues. 

Had I been made aware that my credit line was decreased I would not have used this card.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX, who is attempting to collect an old account from me and has reported inaccurate information to the credit bureaus. 

Re-Aging of Account ( Illegal Date Manipulation ) : XXXX XXXX XXXX XXXXhas furnished an incorrect Date of First Delinquency ( DOFD ) to the credit bureaus, effectively re-aging the account to make it appear newer than it is. This is a direct violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c ), which limits reporting to 7 years from the DOFD, and of Metro 2 compliance standards, which prohibit altering the DOFD. 

FDCPA Violations ( Deceptive Collection Practices ) : By re-aging and misrepresenting the account date, XXXX XXXX XXXX XXXX is engaging in a false, deceptive, and misleading representation in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ). If the debt is time-barred, this conduct is an attempt to unlawfully revive collection activity. 

Failure to Provide Proof of Right to Collect in Texas : When requested, XXXX XXXX XXXX XXXX failed to provide : A purchase order/assignment agreement proving ownership or assignment of the account. 

Proof of a valid Texas debt collection license. 

Proof of the required surety bond filed with the Texas Secretary of State, as mandated by Texas Finance Code 392.101. 

This suggests they may be illegally collecting debts in Texas without proper authorization or bonding.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX, who is attempting to collect an old account from me and has reported inaccurate information to the credit bureaus. 

Re-Aging of Account ( Illegal Date Manipulation ) : XXXX XXXX XXXX XXXXhas furnished an incorrect Date of First Delinquency ( DOFD ) to the credit bureaus, effectively re-aging the account to make it appear newer than it is. This is a direct violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c ), which limits reporting to 7 years from the DOFD, and of Metro 2 compliance standards, which prohibit altering the DOFD. 

FDCPA Violations ( Deceptive Collection Practices ) : By re-aging and misrepresenting the account date, XXXX XXXX XXXX XXXX  is engaging in a false, deceptive, and misleading representation in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ). If the debt is time-barred, this conduct is an attempt to unlawfully revive collection activity. 

Failure to Provide Proof of Right to Collect in Texas : When requested, XXXX XXXX XXXX XXXX  failed to provide : A purchase order/assignment agreement proving ownership or assignment of the account. 

Proof of a valid Texas debt collection license. 

Proof of the required surety bond filed with the Texas Secretary of State, as mandated by Texas Finance Code 392.101.

This suggests they may be illegally collecting debts in Texas without proper authorization or bonding.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX I transferred {$150.00} from my bank account into my XXXX account. I was instructed that it would take at least five to six business days to appear in my account by two different XXXX representatives over the phone, I was reassured by the end of the night it would be in my account but still isn't on XX/XX/XXXXXXXX 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 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
I inquired about a {$100.00} direct deposit bonus ( ad attached ). I was communicated that I qualify for it and that it would be deposited once My direct deposit clears. 
I called the follow up and now I am being told that I dont qualify and have been given the absolute run around. Absolutely horrible customer service to tell a client XXXX thing and then do something different. 
I have attached screenshots reflecting the conversation where I am told I qualify and the deposit will be made to my account. 
If they told a client they qualify, they should honor it. If they didnt check something on their end, again thats their problem. They should have verified whatever they needed to do before informing me of false information.

Company response to consumer: Closed with monetary relief