vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX XXXX CST, I received a voicemail from someone identifying herself as XXXX XXXX from XXXX. She claimed a formal claim had been filed against me and instructed me to call XXXX. 
When I called back, I spoke with a representative who identified himself as XXXX. He repeatedly accused me of defrauding XXXX XXXX, implied potential criminal consequences, and pressured me to pay immediately. He refused to provide any written validation, creditor information, documentation, or legally required details about the alleged debt. 
Under this coercive pressure, I made a {$200.00} payment using my Capital One XXXX XXXX card. When the charge posted, it appeared under the merchant name : XXXX XXXX XXXX, AZ, which was never disclosed by the caller and does not match any legitimate debtcollection entity. 
After this call, I contacted XXXX XXXX using a verified official number. Their customer service confirmed that I do not owe XXXX XXXX any debt, and that any past account ( if one existed ) had been sold to XXXX XXXX on XX/XX/XXXX. This proves that the entity calling itself XXXX and the merchant XXXX XXXX XXXX, AZ had no legal authority to collect anything from me. 
The caller never provided a validation notice, despite the federal requirement that debt collectors send validation information either in the initial communication or within five days. Legitimate collectors must identify the creditor, amount owed, and provide written validation information. Failure to do so is a significant sign of a scam. [ XXXX ] Furthermore, the false accusations of criminal conduct, refusal to validate the debt, and pressure to make immediate payment align with documented impostor debtcollection scams, as described by the FTC. These scams often use threats and intimidation to coerce victims into paying debts they do not owe. [ XXXX  ] I have since locked my debit card and will file a Regulation E unauthorized electronic funds transfer dispute with Capital One once the charge is fully posted, as required. 
In addition to the financial loss, I am also reporting harassment. The caller used intimidation, false criminal accusations, and highpressure tactics designed to cause fear and force immediate payment. This caused me significant emotional distress and amounts to harassment, which is prohibited under federal debtcollection laws. I am requesting that this harassment be formally noted as part of the complaint and investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: WA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: WA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NM

Complaint narrative:
THE INQUIRIES LISTED ON MY CREDIT REPORT WERE NOT AUTHORIZED BY ME. I DID NOT PROVIDE CONSENT AND WAS NOT AWARE OF THESE INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you go over this entry? It seems late and potentially wrong.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/25 paying bills on my laptop when a popup message appeared from XXXX foe me to XXXX XXXX  to contact them XXXX XXXXXXXX and I did. A person using the name XXXX XXXX provided a case number XXXX, after which XXXX XXXX asked for permission to fix the problem and was told to do so. XXXX XXXX gave certain letters and immediately items with dollar amounts began scrolling up onto the screen. I notice a charge for XXXX  XXXX for over {$3000.00}, asked about it he told me that was a federal offense punishable with jail time and he would have to report me to the federal and I told him to go ahead and do it because I wanted the matter fully investigated. XXXX XXXX ( XXXX ) XXXX, added a XXXX  party on the call named XXXX XXXX, stating he was from Bank of America, my bank, XXXX XXXX  and had been added to the call as a referral from XXXX XXXX to take information for the purpose of filing a claim. XXXX XXXX had me remain on the so that he could complete the transaction never asking for account information upon his return to the phone he said this was an inside job and to protect my money to go to the bank and withdraw all the remaining money and he would help me setup a new account and he would remain on the call for protection. XX/XX/25 Thinking all of this legitimate I went to the bank and withdrew the maximum amount of {$14000.00}. XX/XX/25 Checked my saving account noticed a wire transfer for {$8200.00} plus {$30.00} wire transfer fee processed and sent to XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX XXXX went to another Bank of Ameria withdrew. He wanted to meet, and I suggested we meet at the XXXX police department and he refused. Told me that the XXXX were watching me, we needed to be careful because I was being watched for the XXXX  XXXX charge. I said good let 's meet with them and settle the matter. If I reported this to local law enforcement I would be in trouble. this same day I went to another Bank of America and withdrew the balance of my saving, {$25000.00} so no one could have access to it. Several attempts to meet with me to get the money failed. He found out where I lived, instructed me to go outside my home meet with an unknown male if they wanted the money the person would have to come to the front door and ring the doorbell. I was trying to get a photo of this person on my ring camera. The male never showed up. He said the feds would be coming to my house and I said that's good because this situation would be resolved No one ever came. 
GOT LETTER FROM BANK OF AMERICA DATED XX/XX/25 : AS A PRECAUTION WE'VE DENIED A TTANSACTION AND OR PLACED A TEMPORARY HOLDS ON YOUR ACCOUNT REFERENCE XXXX XXXXXXXX,

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 2025-12-26 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EGL US, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding BMG Moneys debt collection practices, which violate the Fair Debt Collection Practices Act ( FDCPA ). 

On the same morning, I received repeated telephone calls from BMG Money, including calls at approximately XXXXXXXX XXXX and again at XXXXXXXX XXXX  The calls were less than XXXX hour apart and constitute harassment through repeated or continuous calls in violation of 15 U.S.C. 1692d.

In addition, BMG Money left a voicemail in which a representative used insulting and abusive language, including referring to me as a fool. This conduct violates 15 U.S.C. 1692d ( 2 ), which prohibits the use of obscene, profane, or abusive language in connection with the collection of a debt. 

These actions caused distress and demonstrate a pattern of harassing behavior. I have preserved call logs and the voicemail as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: IL

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: IL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: IL

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under XXXX, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement 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 2025-12-26 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: IL

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under XXXX, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TX

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 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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a new account with Truist Bank in XX/XX/year>. On XX/XX/year>, I deposited a {$60000.00} cashiers check issued by XXXX  XXXX XXXX into this account at a Truist branch. 

Truist placed an immediate hold on the deposit, stating it was due to fraud concerns. I was never provided with documentation, evidence of fraud, or a clear explanation of what was required to resolve the hold. 

Truist has since closed my account, yet they continue to withhold my {$60000.00}, which represents legitimate funds from a cashiers check issued by a major XXXX XXXX. Truist has not provided a firm timeline or written confirmation regarding when or how my funds will be returned. 

Once an account is closed, the bank is required to return the remaining balance to the customer. Holding my funds indefinitely without a clear timeline or written explanation is causing significant financial harm. 

I am requesting that Truist : 1. Immediately return the full {$60000.00} by cashiers check, and 2. Provide a written explanation for the extended hold and account closure, including confirmation that the cashiers check cleared the issuing bank.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Company Name : Bank of America Product : Customized Cash Rewards Visa Signature Issue : I was charged an interest of {$0.00} as " Interest Charged on Bank Cash Advances '' on XX/XX/year> despite the fact that I paid my bill in full and on time for XXXX. I have been paying all my bills in full and on time for XXXX. 

I called Bank of America on XX/XX/year> at around XXXX XXXX  Central Time. The representative eventually waived the interest. However her explanation regarding why interest was charged was that the " XXXX XXXX XXXX '' transaction even though it happened on XX/XX/year> was posted on XX/XX/year> which was the closing date of the month. That was why interest was accrued because a transaction was posted on the closing date. Such practice was unfair and improper. 

Although my individual issue was corrected, I am concerned that : 1. The practice appears to be systemic, not isolated to my account 2. The practice may be unfair, deceptive, or insufficiently disclosed under consumer protection standards The fact that the issue was resolved does not address the root cause, which appears to be a policy or operational issue that could affect other consumers.

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