vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
On XX/XX/year>, I saw Columbia Debt Recovery LLC ( a/k/a Genesis Credit/Genesis Credit Management ) reporting a {$170.00} collection for my former apartment ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ). I also received their collection letter dated XX/XX/year>. 

I searched the Washington Dept. of Licensing database and found no active WA Collection Agency License for Columbia Debt Recovery LLC, Genesis Credit, or Genesis Credit Management. Their XXXX  record ( ID XXXX ) shows licenses in other states, but not Washington, even though the company is headquartered in XXXX, WA. 

Under RCW 19.16.110, a collection agency must be licensed to collect in Washington, and operating unlicensed is an unfair act under the Consumer Protection Act ( RCW 19.16.440 ). Knowingly operating unlicensed also carries penalties and allows return of fees/compensation ( RCW XXXX ). 

By attempting to collect from me and reporting this account while unlicensed in WA, the company is engaging in unlawful collection activity. Representing or implying lawful authority may violate the FDCPA ( 15 U.S.C. 1692e/1692f ). Their credit furnishing is also problematic under the FCRA ( 15 U.S.C. 1681s-2 ) to the extent it is inaccurate or not properly investigated after dispute. 

I request CFPB intervention. I attached : ( A ) XXXX move-out statement, ( B ) the collectors letter, ( C ) their disclosure sheet, ( D ) XXXX  page showing no WA license, and ( XXXX ) WA DOL search showing no record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear XXXX Customer Assistance Group, I am submitting this formal complaint against Bank of America , N.A . regarding the mishandling of my claim and an improper reversal of credit under Claim # XXXX. 

On XX/XX/year>, Bank of America correctly credited my account {$38.00} following my dispute. However, on XX/XX/year>, the bank reversed {$11.00} of that credit in error, citing a separate transaction that was not related to my claim. 

To clarify, I did not file any claim regarding the {$32.00} XXXX transaction made on XX/XX/year> for a XXXX. That was an independent purchase that arrived damaged. The seller provided me an {$11.00} partial refund on XX/XX/year> through XXXX, reducing my cost to {$21.00}. This partial refund was unrelated to my Bank of America dispute. 

It appears the claims department confused two unrelated transactions and reversed the {$11.00} credit without confirming whether the XXXX refund was associated with the {$38.00} claim which it was not. 

I provided documentation to clarify this to the bank, but my request for reinstatement has been ignored. This situation represents both a failure of due diligence and noncompliance with fair claim-handling procedures. 

I respectfully request that the XXXX review this matter and require Bank of America to : 1. Reinstate the {$11.00} credit that was wrongfully reversed.

2. Provide a written explanation for the improper reversal and failure to verify documentation. 
3. Ensure that Bank of Americas internal claim review process complies with applicable consumer protection standards. 

I am attaching supporting materials, including my correspondence with Bank of America and relevant transaction details. Please confirm receipt of this complaint and advise of the next steps. 

Thank you for your time and attention.

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 2025-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear [ Capital One ], I hope this message finds you well. My name is [ XXXX XXXX ], and Ive been a loyal [ Capital One ] customer since [ 2025 ]. Im reaching out to you personally regarding a recent late payment that was reported on my account [ Account Number Ending In XXXX ] in [ XXXX XXXX ]. 

This late payment was a complete oversight on my part and not at all reflective of my payment history. I have consistently maintained my account in good standing and take my financial obligations very seriously. Unfortunately, this isolated incident occurred during a busy period, and I acted as soon as I realized the error. The payment has since been brought current. 

I am currently in the process of purchasing a home, and this single late payment has had a significant impact on my credit profile during this critical time. As a valued customer, I am humbly requesting a one-time courtesy removal of the late payment from my credit report. 

I deeply value my relationship with [ Capital One ], and I would be truly grateful for your assistance in resolving this matter. Thank you so much for taking the time to review my request. 

Sincerely, [ XXXX XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: TX

Complaint narrative:
I urge you to investigate these inaccuracies and take swift action to delete them from my credit file. According to Section 611 ( 5 ) ( A ) of the FCRA, you are required to " ... promptly DELETE all information which can not be verified. '' This needs to be done immediately. The law is explicit regarding your Civil liability and the remedies available to me under Sections 616 and 617 if you fail to comply with Federal Law. As a litigious consumer, I am fully prepared to pursue litigation to enforce my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I have hard inquiries from XX/XX/year> - XX/XX/year> that are not mine ; also an auto loan account with XXXX XXXX XXXX. There is a several impact on my credit score. Also I have many communications with Transunion and for a reason credit freeze revert and someone is accessing and continue opening unauthorized inquiries with my information. I need help with this issue.

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 2025-10-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am filing a complaint regarding my closed BMO Bank checking account ending in XXXX. 

On XX/XX/year>, a {$5000.00} wire transfer was received from my friend in XXXX XXXX  XXXX XXXX. I withdrew {$4000.00}, and the remaining {$1600.00} was supposed to be refunded to the sender after BMO closed my account. 

BMO informed me that the refund would be processed, but after over two months, the funds have not been released. XXXX XXXX and XXXX ( the correspondent bank ) have both confirmed they are waiting for BMOs authorization to complete the refund. 

I am not disputing the {$4000.00} I withdrew. The issue is only the remaining {$1600.00}, which was meant to support my medical treatment and personal care. My friend has confirmed that if the refund is completed, she will resend the funds to me. 

I respectfully request CFPBs help in getting BMO to complete the refund and provide a written explanation for the delay. 

My contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone : XXXX Email : 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 explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Capital Services, LLC
State: CA

Complaint narrative:
The debt collection agency is contacting multiple people who are somewhat associated with me. My parents, my stepdads ex, which I have no idea how they associated with me or even got her information. This is highly illegal. And when someone answers they are aggressive.

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 2025-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I didn't know about someone using my social Security card for a credit card. Someone stole my social Security card birth certificate.m whole wallet. I have reported and made a police report XXXX. I just started using my credit and I noticed it and I want it removed. My information also has been exposed on Experian and I do know who had my information. That's is my old number and old address but that isn't my account. So respectfully j would love for this to be off my account and if I have to show a police report that would be fine. Thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: CL Holdings LLC
State: NY

Complaint narrative:
I didn't know about someone using my social Security card for a credit card. Someone stole my social Security card birth certificate.m whole wallet. I have reported and made a police report XXXX. I just started using my credit and I noticed it and I want it removed. My information also has been exposed on XXXX  and I do know who had my information. That's is my old number and old address but that isn't my account. So respectfully j would love for this to be off my account and if I have to show a police report that would be fine. Thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request an investigation into the XXXX  XXXX XXXX XXXX XXXX ( XXXX ) for their handling of my federal student loan account and their recent credit reporting practices. Despite an ongoing investigation and review of my account, XXXX has reported a negative delinquency to the credit bureaus, which I believe is both premature and unjustified. 

This negative entry has caused significant harm to my credit profile and financial standing. It is my understanding that while an account is under active investigation or review, no adverse credit actions should be reported until the matter has been fully resolved. XXXX  decision to proceed with negative reporting under these circumstances demonstrates a lack of fair and responsible servicing practices. 

I respectfully request that the CFPB initiate a formal review of XXXX actions to determine whether they are in compliance with the Fair Credit Reporting Act ( FCRA ) and other applicable federal consumer protection laws. Additionally, I am requesting that XXXX be directed to immediately remove the negative delinquency from my credit reports pending the resolution of the ongoing investigation. 
Thank you for your attention to this matter. I appreciate your assistance in ensuring fair and lawful loan servicing and credit reporting practices.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request an investigation into the XXXX  XXXX XXXX XXXX XXXX ( XXXX ) for their handling of my federal student loan account and their recent credit reporting practices. Despite an ongoing investigation and review of my account, XXXX has reported a negative delinquency to the credit bureaus, which I believe is both premature and unjustified. 

This negative entry has caused significant harm to my credit profile and financial standing. It is my understanding that while an account is under active investigation or review, no adverse credit actions should be reported until the matter has been fully resolved. XXXX  decision to proceed with negative reporting under these circumstances demonstrates a lack of fair and responsible servicing practices. 

I respectfully request that the CFPB initiate a formal review of XXXX actions to determine whether they are in compliance with the Fair Credit Reporting Act ( FCRA ) and other applicable federal consumer protection laws. Additionally, I am requesting that XXXX be directed to immediately remove the negative delinquency from my credit reports pending the resolution of the ongoing investigation. 
Thank you for your attention to this matter. I appreciate your assistance in ensuring fair and lawful loan servicing and credit reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Spoke to Equifax numerous times, they were unable to identify me. They somehow identified the person who accessed my account and opened 3 cards. Also allowed a freeze to be placed. I am unable to get into my account to dispute anything. Can not lift the freeze, and have lost number of financial assistance. Also, my score has dropped.

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 2025-10-12 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I would like to be reimbursed for the reported transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: DC

Complaint narrative:
On XX/XX/year>, from about XXXX to XXXX, I spoke with XXXX support associates from Aidvantage via the online chat option. My requests for the email and phone contact information of a director, supervisor, or claims clerk so I could reach out regarding my student loan interest accrual were ignored. What I did receive was the standard XXXX number and resistance to acquiring anything further. The associate XXXX became unprofessional and refused to acknowledge that as a client I have a right to ask for public information in an official capacity. It was an hour of back-and-forth dialogue for next to no result. XXXX refused to properly identify when asked, and so my complaint will not have a full title. The second associate, XXXX, proved more professional until the following statement : " There is no Aidvantage email. '' XXXX needs to be held accountable and the intent to waste a client 's time was unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Friday XX/XX/2025 I received a business card from a process server so I looked online and found that Jefferson Capital Systems LLC was suing me over an old debt that I had with XXXX XXXX. They filed the suit on XX/XX/2025. I understand now that it is just a scare tactic to get me to pay them a debt that I never owed to Jefferson Capital LLC.

Company response to consumer: Closed with explanation