vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding Portfolio Recovery Associates , LLC ( XXXX ) for their handling of a medical debt account that I believe has been reported and collected on improperly. 
XXXX is attempting to collect on an alleged hospital or medical account that I do not recognize and have not received proper validation for. Despite my written request for validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), XXXX has not provided any documentation that proves I am legally responsible for this debt. 
I am requesting that XXXX provide the following documentation to verify the debt : The name and address of the original creditor ( hospital or medical provider ). 
An itemized statement showing how the alleged balance was calculated. 
A copy of the original billing statement or agreement with the provider that includes my signature or proof of responsibility. 
Documentation showing that XXXX has legal ownership or assignment of this debt. 
The date the debt was allegedly incurred and the date of the last payment, if any. 
XXXX  request a copy of all medical records related to [ name, date ( XXXX ) of service ] and an accounting of disclosures of my protected health information for the past XXXX years. Please provide the records and accounting in electronic format to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
I am disputing the following items on my Equifax credit report. These items are either inaccurate or incomplete and I request that they be corrected or removed as required by law. 

Charged Off Accounts : XXXX XXXX XXXX, Account No : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: FL

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 explanation
Consumer complaint received 2025-11-06 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: FL

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 2025-11-06 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: NY

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-06 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: NY

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
I am requesting the investigation and correction of several items on my credit report, as outlined below. These entries are either inaccurately reported or require further validation under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Accounts : None at this time. 

Inquiries : 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

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX. mailed me statements XX/XX/XXXX stating I made transactions on a business account with XXXX XXXX XXXX XXXX XXXX. I have spoke with XXXX several times earlier this year of XXXX even sent evidence to them certified mail XX/XX/XXXX that I am no longer the owner of XXXX XXXX XXXX XXXX XXXX it was sold XX/XX/XXXX. I sent them this evidence the week I first received a notice from XXXX in the mail in XX/XX/XXXX. I also clearly stated that I never signed for a business XXXX for XXXX XXXX XXXX XXXX XXXX and that this debt does not belong to me. Still they filed a judgement in XXXX XXXX courts of XXXX  on XX/XX/XXXX. They have since placed a negative impact on my credit score with XXXX XXXX XXXX in XX/XX/XXXX illegally. As soon as I found out they had done this to my personal credit it was on XX/XX/XXXX I filed a dispute with both XXXX  and Equifax. The Arbitration regarding this matter was not until today XX/XX/XXXX, and XXXX was NOT awarded any money they claimed I owe. I would have sent evidence of this but it takes the courts a few days to post. You can view in in XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX. It is NOT my account. They have illegally ruined by credit score and credit worthiness. They have closed all the XXXX cards I had which were NEVER late and did not have a balance, in good standing for over XXXX  years. All other creditors I have currently have reduced my limits from $ XXXX, $ XXXX to {$500.00}, {$250.00} etc. They have ruined my reputation and I am filing a lawsuit regarding this matter. I will attached all supporting documents as well. Please look at the note XXXX sent me on XX/XX/XXXX clearly stating account ending in XXXX was in Active XXXX XXXX XXXX when it came to my name. They sent this after my response sent certified on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX. mailed me statements XX/XX/XXXX stating I made transactions on a business account with XXXX XXXX XXXX XXXX XXXX. I have spoke with XXXX several times earlier this year of XXXX even sent evidence to them certified mail XX/XX/XXXX that I am no longer the owner of XXXX XXXX XXXX XXXX XXXX it was sold XX/XX/XXXX. I sent them this evidence the week I first received a notice from XXXX in the mail in XX/XX/XXXX. I also clearly stated that I never signed for a business XXXX for XXXX XXXX XXXX XXXX XXXX and that this debt does not belong to me. Still they filed a judgement in XXXX XXXX courts of XXXX on XX/XX/XXXX. They have since placed a negative impact on my XXXX XXXX with XXXX  XXXX Transunion in XX/XX/XXXX illegally. As soon as I found out they had done this to my personal credit it was on XX/XX/XXXX I filed a dispute with both Transunion and XXXX. The Arbitration regarding this matter was not until today XX/XX/XXXX, and XXXX was NOT awarded any money they claimed I owe. I would have sent evidence of this but it takes the courts a few days to post. You can view in in XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX. It is NOT my account. They have illegally ruined by credit score and credit worthiness. They have closed all the XXXX cards I had which were NEVER late and did not have a balance, in good standing for over XXXX  years. All other creditors I have currently have reduced my limits from $ XXXX, $ XXXX to {$500.00}, {$250.00} etc. They have ruined my reputation and I am filing a lawsuit regarding this matter. I will attached all supporting documents as well. Please look at the note XXXX sent me on XX/XX/XXXX clearly stating account ending in XXXX was in Active Satisfactory Business Account when it came to my name. They sent this after my response sent certified on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: OK

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a collection account reported on my credit report by Credit Collection. The account details are : CREDIT COLL Account XXXX XXXX XXXX  High Balance : {$630.00} Date Opened : XX/XX/year> Status : Collection I have no knowledge of this account and have never authorized or had any dealings with Credit Collection. This account appears to be inaccurate or reported in error. I request that the CFPB investigate this matter and ensure the furnisher provides full validation and proof that this debt belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a Merrill Lynch brokerage account in XX/XX/year>, provided all required identification and compliance information, and have been actively using my linked XXXX XXXX XXXX accounts. 

On XX/XX/year>, XXXX automatically liquidated XXXX shares of my XXXX ( XXXX ) stock, with a total market value of approximately $ XXXX, citing that I had failed to confirm my profile for a compliance review. This forced sale occurred without my knowledge or consent, causing substantial financial and tax impact. 

However, the final notice containing the deadline and consequences was sent by physical mail, even though my account is set to paperless communication. I never received any alert or message through the Merrill message center or XXXX XXXX XXXXXXXX apps, which I check regularly. 

According to XXXX, compliance reviews are normally required every XXXX years for Elevated Risk clients. Yet in my case, a daily batch system trigged profile confirmation only a few months after opening. XXXX also confirmed that my account showed no unusual or suspicious activity the review was triggered most likely because of my citizenship. I am a XXXX XXXX  and a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

I believe XXXX actions were : XXXX. Procedurally unreasonable, given the paperless settings and lack of effective notice ; XXXX. Disproportionate, since liquidation is far beyond what a normal compliance refresh requires ; and XXXX. Potentially discriminatory, as the decision appears tied solely to my nationality rather than any actual risk indicator.

Such practice is not consistent with FINRA rules and U.S. regulatory standards, which prohibit firms from classifying clients as high risk solely based on citizenship. I request that this matter be reviewed and that Merrill provide appropriate remediation or reversal.

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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
XXXXI am writing to submit a formal complaint against American Express. XXXXAmerican Express \XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX I applied online for the XXXX XXXX XXXX  Card. XXXXApplication No. XXXX XXXX XXXX XXXX XXXX XXXXLetter Attached XXXXAmerican Express denied my application and falsely claims that I have no credit card account on my credit bureaux report. I do have, however, an open credit card account on my credit report. XXXXI appealed the baseless decision to deny my application and did inform the bank that I do have a credit card account on the credit XXXX  report. XXXXThe bank, however, disregarded my appeal and denied the application again.XXXXI believe that the bank is biased against me and discriminating against me on the basis of age, gender, perceived ethnicity, perceived race, perceived national origin, and perceived religion.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-11-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
YOUR COMPLAINT In XXXX my identity theft was thought to have occurred since then I have suffered major financial losses and unable to get into appropriate communication again to resolve issues. I am now doing this as I have to apply for a debt consolidation loan and in order to be approved for my ability to have your debt before penalty fees for being late be paid in full I need your help to resolve the situation by removing all penalties for not making timely payments. I now am in debt to not only you but three other companies that I will be contacting through FCPB TO ESTABLISH HELP STABILIZE DEBTS BY HAVING THE ABILITY TO BE APPROVED FOR A DEBT CONSOLIDATION LOAN TO PAY ALL CREDIT CARD COMPANIES REMAINING DEBT MINUS ALL PENALTIES FOR LATE FEES XXXX. OTHERWISE I WILL NOT BE ABLE TO MAKE ANY TYPE OF PAYMENTS. MY INCOME IS XXXX FOR BEING XXXX AND ONLY {$960.00} A MONTH. I SINCE OCCURRED IDENTITY THEFT HAVE LOST ACCESS TO SEVERAL ACCOUNTS FOR ADVANCED LOAN OPTIONS AFTER CONTACTING AND VERIFIED IDENTITY WAS STILL BLOCKED Such AS TILT Which IS FORMERLY KNOWN AS EMPOWER AND THEY HAVE TRIED TO OPEN MY ACCOUNT FOUR TIMES WHICH MEANS I HAVE TO CHANGE MY PHONE NUMBER AND EMAIL ADDRESS AND STILL BLOCKED.

Company response to consumer: Closed with explanation