vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a negative item reported on my credit regarding a contract I had with XXXX XXXX. 

I initially completed a six-month contract with XXXX and chose to renew it. During the renewal process, I submitted all required documentation in a timely and complete manner. After submitting my renewal request, I was informed that I needed to send photos to the underwriting team to finalize the process. I complied immediately and submitted the requested photos the same day. 

Unfortunately, the underwriting team did not process my documents for nearly three weeks. This delay on XXXX part caused a lapse in timely activation of my renewed policy, which led to a higher prorated premium for that month. This increased amount was not due to any fault of my own, but rather the delay from their internal processing. 

Although I was eventually offered a new contract at a lower rate, I was still charged the higher prorated amount caused by their delay. I reached out to XXXX multiple times, speaking with agents and supervisors, and I was assured that this issue would be resolved and the balance would be waived. I was told the $ XXXX balance would be removed and that I did not owe this amount. 

Despite these assurances, the balance was never corrected, and it is now being reported to credit agencies as a delinquent and late payment. This is inaccurate and unfair, especially since I continued my business with XXXX in good faith and was told the matter had been resolved. 

I am requesting this issue be fully investigated and removed from my credit report, as the reported delinquency stems from delays and errors on XXXX part not from any negligence or missed obligations on mine. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I XXXX XXXX life has been a misunderstanding.I have credit cards and different things in my name with bills i have no knowledge of. Please if you look into this matter, it will surely help a innocent person become normal again. I have tried every way to connect with XXXX  XXXX  XXXX  credit companies till this day still not treated fairly as other i reported numerous of occasions of mistreatment still nothing done. Lets be fair in life, I try hard to do the right thing it seems as if i am still wrong. Please help me with this matter. Here are some of the credit items i have not been treated fairly with XXXX XXXX sold the unit and charge it upon my credit after being mislead about the time of use i will have upon the property was lied to and also a credit card by the name of Midland credit management INC that is clearly not mines was report to credit companies numerous of times XXXX XXXX credit card for XXXX $ i truly didnt do and actually paying for it just to clear my name its was XXXX bucks and now never used or anything its this company called XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lendmark Financial Services
State: SC

Complaint narrative:
Was told by the company in name of Lendmark that there was not alw they had to provide me with any information regarding the debt and never gave me the information even after I have paid XXXX $ Also tried contacting XXXX when I had switched jobs to get it situated and no one would ever answer the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Round Up Ventures, L.P.
State: SC

Complaint narrative:
Was told by the company in name of XXXX that there was not alw they had to provide me with any information regarding the debt and never gave me the information even after I have paid XXXX $ Also tried contacting Lendly when I had switched jobs to get it situated and no one would ever answer the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: MO

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a
consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure maximum possible accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX - Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure maximum possible accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX - Account 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 non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX - I sent a Certified Letter to XXXX XXXX Requesting " Debt Validation '' 45 days passed and they were not responsive I submitted a copy of the Letter to Transunion long with proof of delivery XXXX XXXX failed to respond to my debt validation request. Per FCRA, unverified accounts must be removed. Please delete this entry from my TransUnion report.

Transunion Failed to Removed the Account

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 2025-04-30 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. Please delete this account as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
I am formally disputing some incorrect and unauthorized items on my credit report. According to the FCRA ( 15 U.S. Code 1681b ( 2 ) ), my personal data was used without my written consent, and accounts I didnt open are now listed. This could be identity theft under 15 U.S. Code 1681c-2. Im requesting that you look into this and fix these problems right away.

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 2025-04-30 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
THE SITUATION : I have been a Bank of America account owner for over 40 years. I am very disappointed by my experience at the Bank of America on XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was told that funds from a wire transfer would be available the same day, so I went to a nearby location to withdraw the wired funds. However, the teller claimed she didnt have enough cash in her drawer, and the branch manager, XXXX XXXX XXXX informed me that the wire transfer was still pending. This contradicted what I had been told earlier. Despite my account showing an available balance that included the wire transfer, I was denied access to my funds and asked to withdraw the funds from the ATM, just not from that location. The branch manager stepped away for over 20 minutes and returned, referencing a pamphlet that incorrectly outlined withdrawal policies, but didnt clarify wire transfer availability. Frustrated, I left and went to another Bank of America location, where I withdrew the funds without issue. 
I felt humiliated when I was racially profiled at the XXXX XXXX location. After the incident, I spoke with a complaints supervisor, XXXX, who acknowledged that it was an internal issue. 
On XX/XX/XXXX, I experienced a similar issue at the Bank of America XXXX XXXX at XXXX XXXX XXXX in XXXX XXXXXXXX, Missouri. A manager named XXXX XXXX questioned the source of my funds and insisted that I wait until the following day, despite my account showing that the funds were available. XXXX XXXX said he would not release the funds because he did not know their origin. However, when I returned the next day, he still couldn't determine the source but was willing to authorize the release. 
It seemed to me that he intended to inconvenience me. When I inquired further about the situation, XXXX XXXX replied that it was his decision. Interestingly, I had withdrawn a larger amount without any issues at another location just weeks before. This recurring problem has now occurred at two different Bank of America locations in the XXXX XXXX XXXXXXXX area.

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 2025-04-30 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax verified XXXX XXXX XXXX ( # XXXX ), XXXX ( # XXXX ), and XXXX XXXX  XXXX ( XXXX XXXX ) accounts after my XX/XX/XXXX dispute, but their investigation is a sham. I demanded validation under FCRA ( XXXX U.S.C. XXXX ) and FDCPA XXXX ( b ), including original documentation ( signed contracts, billing statements, repossession paperwork ) and Metro 2 byte-level data ( e.g., XXXX XXXX, XXXX XXXX for payment history ; XXXX  XXXX, XXXX XXXX for XXXX ). Equifax failed to provide these, relying on automated e-OSCAR pings instead of a reasonable investigation, violating XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ). They also didnt remove my personal statement ( XXXX XXXX  EXTENDED FRAUD ALERT ) as demanded under XXXX U.S.C XXXX XXXX ( c ). These unvalidated accounts cause credit denials, financial harm, and emotional distress. Equifaxs actions violate FCRA, Metro 2, and New Jersey law ( N.J.S.A. XXXX ). Ill sue under XXXX U.S.C. XXXX and N.J.S.A. XXXX if this isnt fixed now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: AR

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: OR

Complaint narrative:
I opened a Square Checking account and was using it to deposit checks from my clients, and didnt have any problems at first, but then all transactions got a hold and I was notified they needed me to provide some additional documentation of my business, which I provided, and the hold was removed. Soon after that my transfers were all put on hold again, and it said they would be unavailable because my account is under review, but usually only takes one day to complete. Then I got an email from square saying they decided they couldnt process payments for me and deactivated my account. That was back in XXXX of 2022. I still have {$490.00} in that account, that theyve been holding because even though they already decided to deactivate my account, they still have my status as under review, so my transfers are still unavailable. Whenever Im able to reach someone about it they say the same thing, Ive escalated your case ( and Ive seriously been escalated DOZENS of times at this point ) to the account reviewing department, who will email you with an update in the next few days. And unfortunately there is no way for you to contact them and also I cant communicate with them, or give you anymore information about it. So Im given literally no option besides wait for the email, which NEVER comes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have received multiple calls from.+XXXX, portfolio recovery LLC . The individual on the phone stated the debt was from 2012 and they were having a lawyer review it.i told them it's been longer than 7 years and told them that was unethical. This is the 2nd time this has happened. Last time they actually filled a lawsuit against me unlawfully a year or so ago. I would like the harassing phone calls stating a lawyer is going to be involved when that is a lie.

Company response to consumer: Closed with non-monetary relief