vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: SC

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 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. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Receivables Management Partners, LLC
State: CT

Complaint narrative:
On XXXX, I received a text message at my other phone number, stating that the company is debt collector and asked me to make payment. But I did not get any mailed letter. I am not sure if they are real or con artist and do not think it is safe to pay or follow the prompts of message unless they contact me by mail and provide me with the details of what they are billing me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: CA

Complaint narrative:
Your company is in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect on a debt that has already been canceled, as evidenced by a Form 1099-C filed by the original creditor. Under 26 U.S.C. 6050P, a 1099-C represents the discharge of a debt, and attempting to collect on a canceled obligation constitutes a misrepresentation of the legal status of the debt in violation of 15 U.S.C. 1692e, 1692e ( 2 ) ( A ), and 1692f. By continuing to report or pursue this invalid debt, your company is knowingly furnishing inaccurate information to the credit bureaus in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Furthermore, your company failed to comply with my lawful request for validation of debt under 15 U.S.C. 1692g ( b ). I specifically requested a full chain of title, a letter of assignment, and any legal documentation establishing that your company has the right to collect this debt, including the original signed contract. You provided none of the required documentation and instead continued collection activities, which is a direct violation of both the FDCPA and the FCRA, including 15 U.S.C. 1681i and 1681s-2 ( b ). Your failure to validate, combined with your attempt to collect a canceled debt, represents multiple federal violations for which your company is fully liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
I am submitting this complaint because my consumer report contains multiple inaccurate entries, and despite previous disputes, these errors have not been properly investigated or corrected, violating the Fair Credit Reporting Act ( FCRA ) Sections 609, 611, and 623.

I am requesting full investigation, removal of inaccurate information, and enforcement action against any entity failing to comply with federal reporting standards. 

Inaccurate Address Reporting The following address is appearing on my credit file, and I have never lived at or used this address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong / Unauthorized Address This reporting poses a security risk and must be permanently deleted. 

Account Reporting Issues XXXX XXXX XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Issue : Late payment reporting is false and inaccurate. I have never made a late payment. I request correction of reporting to accurately reflect an on-time payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$770.00} Date Opened : XX/XX/XXXX Issue : This account is reporting as a Charge Off. I have no knowledge of this account, and therefore request full investigation and deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$56000.00} Date Opened : XX/XX/XXXX Issue : Late payments are being reported incorrectly. I dispute the accuracy and request correction. 

XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$28000.00} Date Opened : XX/XX/XXXX Issue : The listed late payments are incorrect and must be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$27000.00} Date Opened : XX/XX/XXXX Issue : Late payment reporting is not accurate and requires correction. 

Unauthorized / Questionable Hard Inquiries The following inquiries were made without my authorization or permissible purpose, in violation of FCRA 604 : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries must be removed immediately. 

Requested Action I am requesting the following : Full investigation into all disputed items. 

Permanent removal of any unverified or inaccurate information. 

Written confirmation of all corrections and deletions. 

Enforcement of penalties against any furnisher who fails to comply with FCRA obligations. 

Legal Notice If the reporting agencies or furnishers can not provide documented and verifiable proof within the legally allowed timeframe, you are required to remove the disputed information under 15 U.S.C. 1681i ( a ). 

Thank you for your immediate attention to this matter. I expect a response within the timeframe mandated by 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 2025-11-25 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: GA

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 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. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: AL

Complaint narrative:
On XX/XX/2025 my friend deposited a check for XXXX of my company on her Bank of America account with my consent The next day they closed her account because it was a third party check but didnt want to return the money to either me or to the issuer of the check. 
Its been more than 6 months since they have that money on hold for no reason, my friend and me had been struggling calling them countless times to find a way to get it back but they either dont want to help us at all or they simply want to keep it.

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 2025-11-25 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I make my payments on a monthly basis from Capital One Savings account to XXXX XXXX XXXX XXXX credit card account via their portal for Electronic payment on the XXXX XXXX app. I made a payment in the amount of XXXX which was my total balance amount on XX/XX/XXXX. The ACH record shows having been made on XXXX XXXX app of XXXX. 8 days later XXXX XXXX had not updated my account information and said the payment had not been cleared. I contacted Capital One and they state there was never a payment showing on their end even though I maintain over XXXX in my account with Capital One. I then called both XXXX XXXX and Capital One for them to COMMUNICATE as I had already authorized and made the payment from Capital One to XXXX XXXX. They opened a case on both sides and it has been nothing but a complete worthless customer service disaster by both parties to say the least. I placed several calls to both parties throughout the month and they have all gone nowhere. Capital One states they resolved the issue without any verbal, written or oral conversation with me the consumer and XXXX XXXX states they are still investigating the matter which they state can take until XX/XX/XXXX to complete????? For a simple ACH transfer that I already authorized and made the payment? My XXXX is now being affected which I am sure will also affect my credit as I am using more of my credit than normal. How does the payee have my Authorization number and record of payment however the company that is to make payment can not simply transfer and make my payment? Totally confused and beyond frustrated that this is now affecting my XXXX, my available credit and my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: Bridgecrest Acceptance Corporation
State: FL

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 XXXXXXXX RE : Formal Dispute of Account Reporting & Unauthorized Use of Personal Information Creditor : BRIDGECREST Account Number : XXXX Date Opened : XX/XX/XXXX To Whom It May Concern, I am formally disputing the inaccurate reporting of the BRIDGECREST account referenced above.

The late payment reporting is incorrect, incomplete, and unverifiable.

In addition to this dispute, I am also issuing notice that * * XXXX, XXXX, and XXXX  * * may be engaging in the unauthorized selling, sharing, or dissemination of my personal information to third parties without my consent. This includes, but is not limited to, the distribution of my personal identifying information to lenders resulting in hard inquiries I did not authorize.

Such conduct is strictly prohibited under federal law.

Under * * 15 USC 1681c-2 * *, any information resulting from identity theft, unauthorized access, or improper furnishing of data must be BLOCKED from my consumer file upon notice.

Under * * 15 USC 1681o-2 * *, XXXX, XXXX, and XXXX  may be held * * civilly liable * * for negligent or willful non-compliance with the FCRA, including the improper use or sale of consumer data.

Furthermore : Under the * * Code of Federal Regulations ( CFR ) * *, consumer reporting agencies are required to maintain reasonable procedures to assure maximum possible accuracy and prevent unauthorized access or dissemination of consumer information.

The FCRA and related federal guidelines, which the * * Code Law Group * * interprets regarding regulatory compliance and consumer protection, make clear that the selling of consumer data without permissible purpose is unlawful.

I am requesting : 1. A full reinvestigation of the BRIDGECREST account ; 2. Immediate deletion of all inaccurate or unverifiable late payment data ; 3. An investigation into the unauthorized sale or distribution of my personal information ; 4. Removal of any inquiries or accounts resulting from such unauthorized activity ; 5. Written confirmation of your findings within 30 days.

Failure to comply may constitute negligent or willful violation and is subject to civil action under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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.

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NY

Complaint narrative:
I had an dispute with an order about paying or buying a ticket online for XXXX XXXX XXXX but they took my money but the information ain't come to my phone so I got that situated with them n the bank that happened in XXXX so I looked at my account in XXXX to send money to my boyfriend but I could not cause I seem my account - {$110.00} so I called cashapp to see why I have - {$110.00} on my account but my last transaction was in XXXX that I sent my cousin {$200.00} from then on I have {$0.00} in there until today I seen my account - {$110.00} so the guy on the phone saying to me cause of the XXXX XXXX  I told him they do not had anything to do with them they was for my bank an them not with u guy cause yuh denied my dispute so I went another way so then he switch it up an said me to oh no it's because u did an dispute with family dollar an an grocery store with your bank I told him my bank an yuh are to different things I told him first of all u lying an u can't figure anything else so he tells me well u have to pay the - {$110.00} I told him I don't have to pay anything cause I don't use that card anymore cause my wallet got stolen so he hung up the phone on me and that was today on Monday XXXX XXXX at about XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
I have tried to acquire my credit report from Experian and Equifax both returned an error trying to retrieve it. I've tried to contact them but have been unable to be connected to a human customer service representative. I then tried to use annualcreditreport.com to get my credit reports and had similar issues. The reports were unable to be returned to me. I have no other way of getting in contact with these companies and they seem to actively try to prevent consumers from contacting their specialists. Below is an example of the reply I got from XXXX : -- -- -- -- -- -- We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 

-- -- -- -- -- -- I would like to get in contact with these bureaus so they can fix my account/profile and I can obtain my credit report which I am legally allowed to request. 

Thank you, -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I am writing to formally dispute the account being reported by Sequium Asset Solutions , LLC related to an alleged XXXX XXXX XXXX  debt in the amount of {$170.00} that appeared on my credit report dated XX/XX/year>. 
This account does not belong to me. I have never opened, authorized, or been responsible for any XXXX XXXX XXXX XXXXcount associated with the information being reported. Because this account is fraudulent or reported in error, I am requesting its immediate deletion from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmeriHome Mortgage Company, LLC
State: AL

Complaint narrative:
Mortgage was sold and all communication prior to and immediately following transfer stated automatically drawn payments would stay the same and be transferred. After the transfer date my bi-weekly draft did not happen so I called to verify the status. Amerihome stated that I would have to re-set up the draw which I did. I verified multiple times that they would not be requesting a payment prior to the next set up date and was assured they would not. Since I have been contacted to make a full payment. I contacted the company to try to fix any issues being assured they would not to exactly this. I was hung up on when I requested a supervisor then was able to speak with a supervisor who was very unprofessional and refused to help fix the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX XXXX Date : XX/XX/year> Spring Oaks Capital , LLC XXXX. XXXX XXXX XXXX, VA XXXX RE : Cease and Desist Alleged Account Balance : {$1600.00} To Whom It May Concern : I am writing regarding your attempts to collect an alleged debt in the amount of {$1600.00}. This letter serves as my formal notice demanding that you immediately cease and desist all communication with me concerning this account. 

Under the Fair Debt Collection Practices Act ( FDCPA ), once you receive written notice from me requiring that you stop contacting me, you must cease all forms of communication except those specifically permitted by law. 

Please be advised that reporting this alleged debt to any credit reporting agency is also considered a form of communication. Any continued reporting, updating, verifying, or modifying of this account on my credit report after receipt of this notice may constitute a violation of the FDCPA. 

If you believe you have the legal right to pursue this matter, you may send written notice of such intent as permitted under federal law. Otherwise, you are required to stop all further direct or indirect communication with me. 

I expect your full compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief