vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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:
Having collection on my credit report that is hurting my credit report.preventing me from getting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Friday, XX/XX/XXXX, I was the victim of a targeted phishing/social engineering scam in which someone impersonated my companys interim CEO and instructed me to purchase XXXX gift cards for a supposed work project. I purchased {$1000.00} in gift cards using my Bank of America debit card. 

I reported the scam to Bank of Americas fraud department on Monday morning, XX/XX/XXXX, which is within XXXX business day of the transaction and well within the two-business-day window under the Electronic Fund Transfer Act ( EFTA ). I also went to XXXX, which confirmed that all gift cards were fully redeemed by an unknown third party within hours of purchase. I did not authorize payment to the true recipient, did not redeem the cards myself, and received no goods or services from the transaction.

This is an unauthorized electronic fund transfer as defined under the EFTA ( 15 U.S.C. 1693 et seq. ), because it was initiated by someone other than me, without actual authority, and from which I received no benefit. My liability should be limited to {$50.00}. 

Bank of America denied my fraud claim, stating the transaction was authorized, despite the fact that the authorization was obtained through criminal deception and the funds went entirely to a third-party scammer. I have provided the bank with : XXXX. Targets gift card balance/redemption report showing third-party redemption. 
XXXX. Purchase receipts. 
3. Screenshots of the phishing messages. I am requesting that Bank of America reverse the {$1000.00} in fraudulent charges and comply with its obligations under the EFTA and Regulation E. What I want from the company : I want Bank of America to reverse the {$1000.00} in fraudulent debit card charges ( minus th
e {$50.00} maximum liability under EFTA ) and provide written confirmation of resolution.

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 2025-08-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: IA

Complaint narrative:
On XX/XX/XXXX I had changed cell phone providers because I was no longer happy with XXXX XXXX 's service. After I got all XXXX of my phones activated I had called XXXX XXXX to verify that I was no longer a customer and that I was good with them. They told me yes and thank you for being a loyal customer. Then I noticed that they were still taking auto payments out of my account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XXXX. On XX/XX/XXXX I went into a XXXX XXXX store to talk to someone in person and they told me that since I was no longer a customer, they couldn't look at my account to look into it ( because I had no account with them ), but they could stop the auto payments for me. I then called customer service that same day and the gentlemen explained that he sees that XXXX XXXX never cancelled the XXXX line that was on my account. That XXXX line was a free line that was added during my last upgrade to give me a discount in XXXX. Since that XXXX line was never used on another device and I did indeed called back in XXXX to cancel my service with XXXX XXXX, he said he will reimburse me and reassured me that I'm good with them and don't owe them anything. On XX/XX/XXXX my bank statement shows that those XXXX payments that XXXX XXXX took out were indeed put back into my account. On XXXX XXXX I get a collection notice from XXXX XXXX that I owe a debt to XXXX XXXX  for {$290.00}. I called XXXX XXXX explaining what XXXX of their employees had done and that I do not owe this debt. They just said that shouldn't have happened and they need that money paid back. I also told them that they aren't supposed send it to collections without sending out a final bill which I never received. After that conversation they sent a final bill on XX/XX/XXXX then sent it to another collection agency on XX/XX/XXXX Credence stating the debt is for {$370.00}. I did try a dispute with Credence, but all they did was transfer my call to XXXX XXXX. I had already spent XXXX weeks trying to resolve this with XXXX XXXXXXXX with no luck and then I put a dispute in with XXXX XXXX with no luck. XXXX XXXX knew I was no longer a customer, but was still billing me and then they took the wrong steps at trying to collect a debt. I feel that I do not owe this debt as I did cancel my service with them and my bill was paid up. They were at fault for not canceling that XXXX line, that was never used on the account that I had.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
Formal Dispute Response FDCPA & FCRA Violations I am disputing the companys claim that they complied with the FDCPA and provided proper notice and validation. 
Under 15 U.S.C. 1692g ( a ), a debt collector must send a written notice containing the XXXX XXXX and validation rights within XXXX days of initial communication. This notice must be sent in a manner that allows the consumer to receive it. 

I have not received any such notice, validation of debt, or documentation at my address. The company has not provided any verifiable proof of delivery such as USPS certified mail tracking, delivery confirmation, or signed receipt that demonstrates I actually received this information. Merely claiming it was sent does not constitute compliance with the FDCPA.

Further, under 15 U.S.C. 1681s-2 of the FCRA, XXXX furnisher of information must ensure maximum possible accuracy when reporting to credit bureaus. Reporting a debt without providing proper validation and without evidence that the consumer received the required notice constitutes furnishing inaccurate or unverifiable information. 

I am requesting : Full deletion of this account from all credit reports due to failure to provide proof of proper notice and validation as required by the FDCPA. Cease collection activity until such proof is provided. A copy of the complete account history and original signed agreement for verification. If this matter is not resolved promptly, I reserve the right to escalate the complaint and pursue remedies under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or o
ther form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondis
closure option.

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

15 U.S.C section 604 A Section 2 : 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On about XX/XX/XXXX, I received another email from RESURGENT stating the following : Account Number : ending in XXXX, Original Creditor : XXXX XXXXXXXX XXXX XXXX, Current Owner : LVNV Funding LLC, Resurgent ID : XXXX : Current Balance {$2300.00}. I called XXXX XXXX XXXX, on XX/XX/XXXX, at XXXX XXXX  and asked for information about the debt. They wanted the full account number which I didn't have ( I don't remember ever having their credit card ). They then asked for my Social Security Number, which I refused to give them. They then said they couldn't help me. I then called Resurgent and reach a woman who said her name was XXXX. She asked for the same thing ( SSN, etc ). I refused and told her ai thought this was a scam. That I was a former sworn California Police Officer and I was getting info to send to the Californix Attorney Generals office. She immediately hung up. Yesterday ( XX/XX/XXXX ) I was checking my email and found another message from Resurgent with another attempt to collect on my aiiedged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-11 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
I am unaware of this debt i did not have the opportunity to dispute this information if in fact you believe i received proper notification please send me the certified receipt with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
Account disputed multiple times with all three credit bureaus, Equifax, Experian and Transunion. I asked them to validate the debt for XXXX XXXX XXXXXXXX and for XXXX XXXX. I was a victim of databreach by XXXX, XXXX XXXX, XXXX, XXXX XXXX, Equifax, and Transunion. I did not authorize these accounts and they have failed to verify these accounts as required by 15 USC 1681 ( b ), 15 USC 1681 ( c ). I asked for proof of ownership of this debt. They act like they are investigating dispute but they alway come back and say the dispute has been verified without providing me with any copies of proof of signature, identification, or proof of ownership of this account. They can not verify if the accounts were opened by me or with my permission but are refusing to remove from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-11 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: GA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
When I agreed to this loan, I was told by Rocket mortgage that I would be able to finance within a few months and lower my rate, because the rate that I received was over 6 %. At the time I was a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  conditions, such as XXXX and XXXX XXXX XXXX and XXXX. I expressed to my loan closer that that rate was absolutely too high that I can not afford the mortgage. In XX/XX/year>, one year after I received the mortgage I requested a lower rate. I was told that my credit score would not support a lower rate. When I expressed that this made no sense at all since Ive been paying the higher house payment I was not given a satisfactory answer or really any answer as to why it is that I could not refinance. Since then I have had two modifications. Each time I get a modification the payment for the house payment goes up, which puts me in a worst situation.. Since then, my health has deteriorated and I am not able to work outside of getting my VA XXXX and Social Security. I also have had a XXXX each year since I closed, last year was XXXX XXXX  I absolutely can not afford to work or my mortgage. Another thing the day before closing the closing person told me that my house is in a flood zone and I would need to pay {$3200.00} additionally at closing for flood insurance. I owned a home next-door to this property ten years ago and never was required to have I flood insurance for that so of course I did not suspect that I would need to purchase a flood insurance for the new house. That has placed an additional burden on me, so much so that I checked with other insurance companies to change the insurance policy to get the payment lowered if possible. I checked with XXXXXXXX XXXX XXXX and XXXX XXXX and they are not able to put flood insurance on this property because according to the information they have it is not in a flood zone. Last month when I went into my portal with Rocket mortgage they offered me a modification again. I did not even request this one. It was simply in my portal and of course Im gon na say yes because I need somewhere to live. So now XXXXm in another modification, the first payment due XX/XX/XXXX, that I can not afford. I feel that this loan has been a predatory loan from the very beginning. And each time that I get behind in my mortgage and request a modification or one is automatically offered it puts me in a worse position. It seems as if Rocket mortgage and the VA are setting me up to go into foreclosure which will happen more than likely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: OR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: AZ

Complaint narrative:
I entered into a treatment agreement with XXXX, which was sold with a lifetime guarantee on results. Before my treatment was completed, XXXX filed for bankruptcy and ceased operations, making it impossible for them to fulfill the agreed-upon services. 

Despite the companys bankruptcy and failure to provide the promised service, my account was sold to TekCollect for collection. TekCollect is now attempting to collect {$500.00} for a service that was never completed. This debt is invalid because : 1. The original creditor ( XXXX ) materially breached the contract by failing to deliver the agreed service.

2. The companys bankruptcy prevents them from lawfully collecting on unfulfilled contracts.

I request that this account be closed, all collection activity cease, and that any negative reporting to the credit bureaus be deleted. This is a formal dispute under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation