vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: National Healthcare Collections, LLC
State: MO

Complaint narrative:
I am writing to dispute the debt that your company claims I owe, allegedly related to medical services from a third party. This is a formal notice pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt and request that you provide full validation before taking any further action. 

I demand the following documentation : 1. The name and address of the original medical provider 2. A complete itemized breakdown of the medical services and charges you claim are owed 3. A copy of the agreement or contract that authorizes you to collect on this account 4. Documentation proving HIPAA authorization to access and collect on my medical-related data 5. Proof of assignment or purchase showing National Healthcare Collections legal right to collect this alleged debt 6. The date of service, date of charge-off, and insurance adjustment records, if applicable Unless and until this information is provided, I am requesting that you immediately cease all collection activities, including calls, letters, and credit reporting. If you have already reported this account to any credit bureau, it must be marked as disputed in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

Be advised : failure to comply with this request and any continued collection efforts without proper validation is a violation of federal law, and I will not hesitate to report your agency to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NV

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 non-monetary relief
Consumer complaint received 2025-06-26 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: NV

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 2025-06-26 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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. 

This is a violation of both 15 U.S. CXXXXe XXXXb ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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. 

This is a violation of both 15 U.S. CXXXXe XXXXb ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
I am filing a formal complaint regarding a collection account that has recently appeared on my XXXX credit report, reported by Credit Systems International , Inc. ( on behalf of XXXX XXXX XXXX ). The account in question is not mine. I have no prior or current account with XXXX XXXX nor have I received any communication from Credit Systems International regarding this alleged debt. 

The account was supposedly opened on XX/XX/2025, and was already reported to XXXX as a collection by XX/XX/2025, without my knowledge or any chance to dispute or validate the debt. This is a clear violation of my rights under federal law. 

I am requesting that the CFPB investigate this matter urgently due to the following issues : 1. Lack of Validation : I never received any written notice validating this debt.

2. Premature Credit Reporting : The debt was reported without affording me time to dispute.

3. Potential Identity Error or Fraud : This may be a case of mistaken identity or unauthorized reporting. 

The following legal references apply : 12 CFR 1006.34 ( b ) ( 5 ) Requires itemization of debt prior to credit reporting. 
12 CFR 1006.34 ( c ) ( 4 ) ( i ) Requires disclosure of the right to dispute a debt.

12 CFR 1006.34 ( d ) Requires debt collectors to provide validation details.

15 USC 1681s-2 ( 7 ) ( A ) Prohibits reporting of unverified or disputed debt information. 

I am in the process of refinancing my home, and this inaccurate reporting is now directly impacting my mortgage application. I request that the CFPB review this violation, initiate an investigation, and compel Credit Systems International to provide documentation or delete this account from all credit reporting agencies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
My vehicle was repossessed in XXXX. - I received restitution from the XXXX XXXX Santander Settlement on XX/XX/XXXX, which included forgiveness of deficiency balances. - Despite this, a third-party collector Santander Consumer USA XXXX XXXX XXXX XXXX ( XXXX XXXX ) is garnishing my wages for the same debt, and Santander has refused to confirm the debt was forgiven. I have : Participated in the settlement and received a payment Not been served any proper court documentation Been told by Santander their settlement team cant provide legal info Sent formal dispute letters to both Santader and XXXX XXXX The garnishment is active in XXXX Tn XXXX XXXX XXXX ( XXXX XXXX ) case number XXXX I received my restitution payment from Santander XX/XX/XXXX My settlement registration code number is XXXX Please assist. I am being wrongfully pursued for a debt that was to be cancelled as part of the class action suit and because the vehicle was repossessed the settlement term stated the debt should be waived. If any additional information is need please let me know

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : URGENT Account Frozen Without Reason, Request Refund In XXXX, I opened my account. At the time of opening, there was no money in it. Later, I received an email from the company saying I needed to make a deposit, or else the account would be automatically closed after a certain number of days. 

Because my other bank account couldnt use XXXX to transfer money to the new account ( as I could only send to accounts I had previously transferred to ), and I believed using XXXX was the fastest and most convenient way to deposit money into another account, I asked my friend to send me {$3000.00} via XXXX ( I have the transaction record ). Then my friend used XXXX to transfer that amount to my Capital One account. 

After I received the money, since it was a new account, I wanted to test if XXXX was working properly, so I sent two {$100.00} transfers to my own XXXX XXXX account via XXXX one to the phone number linked to XXXX, and another to the email address linked to XXXX. After confirming both transfers worked, I didnt touch the remaining {$2800.00} in my Capital One account because it was the required deposit. 

Later that same day, a friend sent me {$100.00}, which he owed me. But I was unable to receive the money it said the transaction was under review. Then I received an email stating that the {$100.00} was returned, and my account was frozen. I was completely confused. 

I immediately called the bank to explain the situation, but they didnt care and just said the account would be closed, and I would receive a refund check for {$2800.00} within two weeks. However, I havent received anything. I called multiple times, but each time they just brushed me off and said they didnt know anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
b'In XXXX XXXX, I discovered multiple accounts and inquiries on my credit report that I did not authorize, do not recognize, and have absolutely no connection to None of these belong to me, and this fraudulent activity is causing me serious XXXX and XXXX. This clearly indicates that I have been a victim of identity theft. I urgently request immediate action to address this situation. The fraudulent accounts currently appearing on my report are as follows: XXXX XXXX XXXX-Credit Card-Opened in XXXX XXXX; XXXX XXXXXXXX-Opened in XXXX XXXX; XXXX XXXX-Credit Card-Opened in XXXX XXXX; XXXX XXXX XXXX-Auto Loan-Opened in XXXX XXXX. Furthermore, my credit report shows hard inquiries that I never authorized or consented to, further demonstrating that I am a victim of identity theft. The unauthorized inquiries are as follows: TransUnion XXXX XXXX XXXX-inquired on XXXX XXXX  Equifax XXXX-inquired on XXXX XXXX XXXX XXXX-inquired on XXXX XXXX XXXX XXXX-inquired on XXXX XXXX XXXX XXXX-inquired on XXXX XXXX XXXX XXXX-inquired on XXXX XXXX XXXX  XXXX-inquired on XXXX XXXX XXXX XXXX-inquired on XXXX XXXX XXXX Experian XXXX XXXX XXXXinquired on XXXX XXXX XXXX XXXX XXXX-inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX-inquired on XXXX XXXX XXXX XXXX XXXX XXXX-inquired on XXXX XXXX XXXX XXXX- inquired on XXXX XXXX XXXX XXXXinquired on XXXX XXXX XXXX XXXX XXXX-inquired on XXXX XXXX XXXX XXXX XXXX XXXX - inquired on XXXX XXXX XXXX XXXX XXXX XXXX-inquired on XXXX XXXX XXXX XXXX XXXX XXXX-inquired on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I am submitting this complaint because National Credit Systems has failed to provide debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ). It has been over 30 days since I requested validation by mail, email, and through credit bureau disputes. 

I specifically asked for : Full validation of the alleged debt A copy of the original contract bearing my signature A detailed breakdown of the amount owed and how it was calculated To date, none of this has been provided. Instead, the company continues to report this account to the credit bureaus, and my disputes keep coming back as verified without a proper investigation. 

I am not filing any affidavit or taking further steps until the company provides the validation I am legally entitled to receive. Their failure to comply is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
According to the fair credit reporting act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, email or in a fraudulent account.

I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below.

I DEMAND THE FOLLOWING ACCOUNTS BE VERIFIED OR REMOVED IMMEDIATELY. 

Collection Agency : XXXX XXXX XXXX XXXX Original Creditor : 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 non-monetary relief
Consumer complaint received 2025-06-26 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: LA

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 disputedentries. 
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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I am reporting multiple unauthorized hard inquiries that appear on my XXXX credit report dated XX/XX/year>. These inquiries were made without my knowledge or consent and are the result of identity theft. I have never applied for credit with the listed companies, and I did not give permission for any of them to access my credit file. I have filed a police report and submitted an FTC Identity Theft Report. Despite these actions, the fraudulent inquiries remain on my credit report and continue to harm my credit score. I am requesting the CFPBs assistance in ensuring that XXXXXXXX  properly investigates and removes these inquiries in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which protects identity theft victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Dave Operating, LLC
State: MN

Complaint narrative:
On Monday, XX/XX/XXXX - I emailed Dave Inc. to revoke my ACH and Debit Card Authorization to prevent further debits on my account. I received an automated response back with a ticket number where they mentioned it was " currently being reviewed by our Member Success team. '' An hour later, they reached out, asking for Full name ( First and Last ), Date of birth, Last 4 of your SSN :, Mailing address on file ( Apartment # , Street, City, State & Zip code ) and Last 4 of digits of physical Dave debit card OR digital Dave debit card OR linked external card. I provided all of this information and received an email message two days later on Wednesday, XX/XX/XXXX from them saying, " We appreciate your patience while our Member Success team diligently works to fully review and resolve your concern. '' I checked in with Dave Inc. four times between Thursday, XX/XX/XXXX and Wedneday, XX/XX/XXXX to inquire on the status of my ACH and Debit Card Authorization revoke status - only to be met with automated responses. Since my ticket and emails went unanswered regarding the matter, I was still debited the {$160.00} from my checking account on Thursday, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I filed a complaint with Bank of America on my credit card for a charge from XXXX XXXX in which I provided details that the original charge by XXXX XXXX who was shut down by the FTC because of deceptive business practices, stated they would offer one service, but not fulfilling those purposes. I was not able to file a complaint with XXXX XXXX because they were shut down within ~10 days of my payments. I tried to submit a complaint to XXXX but it was closed because the company is shut down. BofA denied my challenge stating that they could not find evidence that what I received was different than what I expected, DESPITE providing them evidence that this company was shut down for the very reason of my complaint of not being honest about their business offerings/practices and it was not what I expected. Further, I paid this company, after immense pressure to pay the bill or be reported to credit agencies, after a judge 's orders to not pursue customers for payment, which fell within the timeline of my payment to them.

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 2025-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 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