vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: Block, Inc.
State: OR

Complaint narrative:
The worker did provide the itemized and quanrized documents with all the information this worker could provide. XXXX and XXXX are my lenders and the documents have different information than my paper versions, my online version, documents and accessed forms from differing portals, and their workers end. The alignment is seemingly not in direct alignment with my disbursement but also the amount of funds disbursed would be not aligned as some documents had loans repeated and divvied out multiple times over the course of years. These loans seemingly had many asterisk and various addendum information but they also had been the whole sums sent to other accounts or during dates I had not attended or received the amounts. Essentially the investigation was truncated too soon and the online server was preferred and that was what actually in effect but the other government websites referenced and my paper copies still conflicted without these entities wishing to investigate or take the claims seriously as a form of fraudulent activity or cyber theft or even look into the differing pages at all as a problem worth dealing with

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am reporting an incident of identity theft and fraudulent activity involving my personal information. Someone gained unauthorized access to my private information and used it without my knowledge or consent. As a result, an {$8000.00} check was cashed in my name, which I did not sign, authorize, or receive any benefit from. 
Because of this fraud, my accounts were compromised and I was unknowingly being used in the process. For my safety, I am attempting to open new bank accounts to secure my finances and prevent any further unauthorized activity. I am requesting full assistance with investigating this fraud, securing my information, and documenting the incident so that I can protect myself from any additional misuse of my identity.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In reviewing my credit report, I noticed that XXXX XXXXXXXX XXXX is reporting a late payment on this account. I disputed this information with the credit bureau because I believe the late payment reporting is inaccurate. The bureau responded stating the information was verified, but no details were provided about how XXXX XXXX conducted this verification. 

I am requesting a detailed method of verification, including the specific documents, records, or data sources that were used to confirm the alleged late payment. I have not received any statement, notice, or documentation from XXXX XXXX XXXX  showing that a late payment occurred for the date they are reporting. Without this information, I can not validate the accuracy of the reporting. 

Please require XXXX XXXXXXXX XXXX to explain how they verified this late payment, what records were used, and who they contacted during the investigation. If the creditor can not provide documented proof, I am requesting that the late payment be removed as unverified and inaccurate.

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 2025-11-24 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:
Kindly acknowledge this correspondence as my official dispute of the referenced accounts. I have no association with them and did not authorize their creation. I request a thorough review and deletion. Documentation accompanies this submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
Dear Sir/Madam, I am writing to dispute several accounts and inquiries listed on my credit report provided by Equifax. The accounts listed below do not accurately reflect my current credit situation, and I request a full investigation into these discrepancies. Below are the details of the accounts and inquiries I am disputing : XXXX XXXX Accounts : XXXX. XXXX XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX, Account # : XXXX * * * *, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX XXXX XXXX Account # : XXXX * * * *, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$150.00} Inquiries : XXXX XXXXXXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
I closed a VA XXXX XXXX XXXX XXXX XXXX ( XXXX ) with my current XXXX, Newrez LLC ( d/b/a Shellpoint Mortgage Servicing ), on XX/XX/year>. 

Original VA loan number : XXXX New VA loan number : XXXX Throughout the refinance process, I was explicitly instructed not to make my XX/XX/year> mortgage payment by both the loan officer, XXXX XXXX, and the processor, XXXX XXXX, on multiple recorded/advised calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. I followed their directions in good faith. Because the old loans grace period ended on XX/XX/year>, and the refinance did not fund/disburse until XX/XX/year>, the servicer assessed {$66.00} in late fees and additional interest. On XX/XX/year>, when I contacted customer service to inquire about my remaining escrow balance from the old loan, I was informed that this {$66.00} late charge had already been deducted from my expected escrow refund. I was further told that this is company policy, that the collections/customer service department does not communicate with the refinance/loan department, that I have no recourse, and that there is nothing I can do to dispute or remove the fee.

This late charge is improper and constitutes a servicing error under RESPA ( 12 CFR 1024.35 ) because : - The delinquency was caused solely by following the explicit, repeated instructions of the lenders own employees during a XXXX XXXXXXXX transaction. 
- XXXX XXXX  refinances routinely defer the payment for the month of closing without penalty to the veteran. 

- The imposition of late fees caused by the servicers own refinance process or miscommunication between its departments constitutes a servicing error ( incorrectly imposed fees ). 


I have attempted resolution internally on XX/XX/year>, and was told I have no recourse despite explaining the refinance teams instructions.Thank you for your assistance in resolving this matter.

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 2025-11-24 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: GA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-11-24 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Company : Columbia Debt Recovery, LLC ( also known as Genesis XXXX XXXX XXXX ) Type of Complaint : Debt collection Debt collector trying to collect for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Complaint Description : I am filing a complaint against Columbia Debt Recovery ( Genesis ) for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) during their attempts to collect a rental debt from a former apartment. 

1. The collector is adding illegal interest charges. 

My original XXXX  XXXX XXXX ( XXXX ) lease does not authorize interest of any kind. Despite this, Genesis stated in writing that : Your account bears interest at XXXX percent per annum.

Under FDCPA 1692f ( 1 ), a debt collector can not add any amount ( including interest ) that is not expressly authorized by the original contract or permitted by law. 
Texas law does not allow interest to be added to residential rent debt unless the lease specifically authorizes it mine does not. 

They are inflating the balance with unauthorized charges. 



2. The collector used harassment and abusive language ( XX/XX/year> XXXXXXXX XXXX : XXXX call ) During a recent phone call, the representative spoke to me in an extremely rude and demeaning way. This violates 1692d ( harassment ), including : Raising his voice. 
Speaking to me disrespectfully. 
Making intimidating statements. 
Using a tone intended to embarrass and pressure me.

Debt collectors are not allowed to be rude, demeaning, or aggressive.

3. The collector made threats and coercive statements. 

The representative told me : The deal is off the table. 
You can NEVER get a deal now. 
You have to pay the full balance. 
Start saving. 

These statements are meant to intimidate me and are violations of : 1692e ( 5 ) threats 1692e ( 10 ) deceptive practices 1692d harassment Collectors can not revoke offers, threaten financial consequences, or claim future settlement options will be denied.

4. The collector made false statements about daily interest. 

The representative claimed they can charge me interest per day, even though : My lease does not authorize interest. The original landlord never charged interest. Texas law does not allow interest on rent debt without a contract clause. Debt collectors can not add new fees not authorized in the lease.

This is false and violates 1692e ( 2 ) ( A ) and 1692f ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 explanation
Consumer complaint received 2025-11-24 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: MA

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 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 2025-11-24 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: TX

Complaint narrative:
I am submitting this request concerning multiple inaccurate and damaging entries that EQUIFAX is currently reporting on my credit file. The accounts at issue are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct. No. XXXX, Opened : XX/XX/XXXX, Balance : {$160000.00} ) XXXX XXXX XXXX ( Acct. No. XXXX, Opened : XX/XX/XXXX, XXXX : {$24000.00} ) These accounts reflect late payments that are entirely false. My personal payment records verify that I have never missed or been late on any payments for these accounts, rendering the reported late notations both inaccurate and harmful. 

Under the Fair Credit Reporting Act ( FCRA ), EQUIFAX is legally required to ensure maximum possible accuracy in its reporting under 1681e ( b ) and to conduct a lawful and reasonable reinvestigation of all disputed information under 1681i. By continuing to publish unverified and inaccurate late-payment data, EQUIFAX is failing to meet its federal obligations and is in violation of these provisions. 

This ongoing reporting of false information has caused significant harm to my credit profile, financial opportunities, and personal reputation. Such conduct constitutes negligent and willful noncompliance under FCRA 616617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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 2025-11-24 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:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint because Bank of America denied part of my fraud dispute but is refusing to open a billing dispute for the same transactions that I never received any services or goods for.

Here are the facts : 1. I filed a fraud dispute with Bank of America for approximately {$6000.00} in unauthorized charges.

2. The bank credited {$2700.00} but denied the remaining transactions, stating that they were authorized.

3. Even if the bank believes the remaining charges were authorized, I never received any of the goods or services associated with those transactions.

4. The fraud dispute only reviewed whether the charges were authorized. It did not evaluate the separate issue of service non-delivery.

5. I asked the bank to open a separate billing dispute for the denied transactions under Services Not Provided / Merchandise Not Received, but the bank refused. 



This is a violation of the Fair Credit Billing Act ( FCBA ) and Regulation Z ( 12 CFR 1026.13 ), which give consumers the right to dispute : services not provided, merchandise not received, or services not delivered as agreed, even when the transaction may have been authorized. 


Bank of America is combining XXXX legally separate dispute categories ( XXXX XXXX XXXX XXXX  ) and refusing to investigate the non-delivery issue. The bank has also not provided a reasonable explanation as required under federal law. 


I am requesting CFPB assistance to ensure Bank of America : Opens a new billing dispute Conducts a proper investigation of the issue of services not received Provides documentation supporting any denial My intention is not to misuse the process. I simply want the bank to review the correct dispute category that they previously did not investigate. 


Thank you. 

XXXX XXXX XXXX ( Account ending in 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 monetary relief
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
I am disputing the following accounts listed under TransUnion as I believe they contain errors that need to be corrected according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : [ XXXX XXXX ] Inquiries : XXXX XXXX  Date : XXXX XXXX XXXX XXXX  Date : XXXX Late Payments : XXXX XXXX XXXX XXXX Account Number : 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