vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: OK

Complaint narrative:
I submitted a timely Validation of Debt request to TRUEACCORD CORPORATION regarding Account Number XXXX XXXX XXXX XXXX XXXX XXXX  for the alleged balance of {$920.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, TRUEACCORD CORPORATION failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request to Delete Inaccurate Personal Information and Maintain Only Correct Information To Whom It May Concern, I am writing to request that you update my credit file to reflect only my correct personal information and delete any inaccurate or outdated data currently associated with my profile. 
Please keep and maintain my correct personal information as follows : Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Experian Incorrect Information to Be Deleted : 1. Previous Address : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TransUnion Incorrect Information to Be Deleted : 1. Also Known As : XXXX XXXX 2. Also Known As : XXXX  XXXX 3. Previous Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX 4. Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX These names and addresses are incorrect and should be permanently deleted from my credit report. I have enclosed the following documentation for your verification and investigation : Copy of my government-issued ID showing my name and date of birth Proof of current address ( utility bill, bank statement, or lease agreement ) Copy of my credit report highlighting the incorrect entries Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and prompt correction of these inaccuracies. Once your update is complete, please send me a written confirmation verifying that these incorrect names and addresses have been removed and that only my current and accurate information remains on file. 
Thank you for your prompt attention to this matter. Please contact me using the information above if you require any additional documentation or clarification.

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 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The Bank name : Industrial and Commercial Bank of China ( USA ) Inc, the routing number : XXXX, Branch location : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX The XXXX Bank inform the customer, that the bank will upgrade the online bank statement information on Friday XX/XX/year> ; I checked with my online banking statement on Monday XX/XX/year>, and the debt and Credit information, XXXX XXXX  failed to provide us with required debt and credit information, These disclosures are required by federal laws, which mandates that lenders provide clear information about the terms and costs of debt and credit information, the bank tried to use the XXXX XXXX XXXX  XXXX in the XXXX, No debt and credit information shows and it will suspicious created the laundry money, the bank has to follow the XXXX XXXX Banking regulation This issue was happened in over decade ago ( it should in the Federal record ), it has the same issue that happened again today, and i have been written a complaint letter to the related Federal Department complain of this issue in the past, and the department response they will call to the XXXX bank to changed it back, after a month, the XXXX bank had changed it back to disclosure all the debt and credit information, And I have no idea after a decade and the XXXX bank do this violating the Federal law again and again!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXXXXXX because they have been sharing my personal financial information with third parties without my consent. This is a clear violation of both federal and Florida state privacy laws, including the Gramm-Leach-Bliley Act ( GLBA ), the Florida Information Protection Act XXXX FIPA ), and the Florida Deceptive and Unfair XXXX Practices Act ( XXXX ). On XX/XX/year>, I sent PHH XXXX XXXX a written opt-out request through XXXX, XXXX via # XXXX ( XXXX XXXX XXXX ), instructing them to stop sharing my personal information. They received this notice but chose to ignore it and continued to report my information to credit bureaus, third-party banks, and debt collectors without my permission. I was never given the opportunity to opt-out, which is a direct violation of the GLBA ( 15 U.S.C. 6802 ) and my rights under it. Under the GLBA, financial institutions must provide consumers with the option to opt-out of having their personal financial information shared with non-affiliated third parties. PHH XXXX XXXX failed to comply with these requirements, violating XXXX XXXX. XXXX ( a ). Furthermore, XXXX XXXX ( XXXX XXXX. XXXX ) mandates that businesses protect consumer data and notify individuals in case of unauthorized access or disclosure. PHH XXXX XXXX has failed to meet these responsibilities, as they continued to share my data without my consent and without providing me with the opt-out opportunity. Additionally, their actions are a violation of XXXX ( XXXX XXXX. XXXX ), which prohibits unfair and deceptive trade practices. The unauthorized sharing of my information has put me at risk for identity theft and financial harm, which should never have happened under the protections these laws afford. I am extremely frustrated that XXXX XXXXXXXX XXXX has not fixed this issue. I am requesting that the CFPB investigate this matter and hold XXXX XXXXXXXX XXXX accountable for their violations. They need to stop sharing my personal information with third parties, including credit bureaus. My privacy rights must be enforced, and I need immediate action to correct these violations, including penalties for non-compliance with the XXXX, FIPA, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-10-17 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
BOFA closed my business account in the state of Florida without my authorization. I was expecting for BOFA to send me a check for {$300.00} for an unauthorized hotel transaction XXXX XXXX XXXX in NJ. I never received a check instead they closed the account and told me not to worry I don't owe them any money. BOFA was suppose to send me a check. Additionally, I've requested for BOFA to investigate all hotel transactions since XXXX. It appears to me that since XXXX XXXX XXXX hotel in New Jersey charged my account multiple times. I requested for BOFA to further investigate the transaction. Find out why they processed an unauthorized hotel transactions and who actually received the funds. Again from XXXX I would like them to investigate every hotel transaction and find out who received those funds. 

XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX New mailing address : XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
This company just appeared on my credit report. I have requested proof of the debt and the company that the debt is with as well as my proof that I signed a contract with them. I request this to be removed from my credit report as I do not recognize this debt and nor did I agree to anything with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am reaching out to request the CFPBs assistance in ensuring that the Transunion properly process and investigate the dispute I submitted regarding multiple items on my credit report. After reviewing my file, I found several accounts and data that appear to be inaccurate, incomplete, or inconsistent, and I outlined those concerns in a detailed dispute letter. This complaint is to make sure the credit bureaus fulfill their responsibilities under the Fair Credit Reporting Act ( FCRA ) by giving my dispute the attention it deserves. I expect a full investigation into each item I listed, not just a generic response or verification without review. The information in question has a direct impact on my financial standing, and it is essential that my credit file reflect only accurate and complete information. My dispute letter, attached to this complaint, provides a clear breakdown of what needs to be reviewed and corrected.

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 2025-10-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
On XX/XX/year>, Alliant Credit Union accessed my savings account without authorization and transferred, {$120.00} from the account towards a car loan account that I also have with them. 
This car loan is being paid direct payment each month from an external checking account punctually since the inception of the loan. 
Alliant Credit Union claims that I owed a payment and have repeatedly asked for evidence of that as the loan is being directly debited and paid. 
They accessed my savings account and made the transfer without my consent or advisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I started a money transfer from my bank XXXX in XXXX to XXXX using Western Union on XX/XX/XXXX. I sent {$45000.00} dollars. Initially Western UnionAfter said it would be received in XX/XX/XXXX. The full amount was pulled from my XXXX account that day. A few days after they asked me for proof of funds. I sent the paperwork they requested. On XX/XX/XXXX they cancelled the transaction. They stated my bank refused to release the funds but the funds had already been released by my bank on XX/XX/XXXX. Since then Ive been calling daily western union for a refund. I also started a claim with my bank XXXX. I get different answers everytime I call western union. 
Some say my bank never release the money some say my money will be returned in 7 days. Its a large amount and Im really worried Western Union will not return the money. Also that money never made it to My receiver in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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.

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-17 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: AL

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 XXXX 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 2025-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
I am filing this complaint regarding Mohelas mishandling of my PSLF application and failure to communicate regarding my federal loan account. On XX/XX/2022, I faxed my PSLF application to Mohela but never received confirmation, acknowledgment, or an update on its processing. 

Since that time, my loans seemed to be transferred, and I have received little to no information. In addition, I have experienced servicing and repayment issues. I was never clearly informed of repayment or forbearance options that could have helped. 

I have also learned there may be lawsuits or collection actions associated with my loans, yet I was never notified of any such activity. This lack of notice and communication raises concerns about compliance with borrower rights and proper servicing procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: OK

Complaint narrative:
I am reaching out to request the CFPBs assistance in ensuring that the Equifax properly process and investigate the dispute I submitted regarding multiple items on my credit report. After reviewing my file, I found several accounts and data that appear to be inaccurate, incomplete, or inconsistent, and I outlined those concerns in a detailed dispute letter. This complaint is to make sure the credit bureaus fulfill their responsibilities under the Fair Credit Reporting Act ( FCRA ) by giving my dispute the attention it deserves. I expect a full investigation into each item I listed, not just a generic response or verification without review. The information in question has a direct impact on my financial standing, and it is essential that my credit file reflect only accurate and complete information. My dispute letter, attached to this complaint, provides a clear breakdown of what needs to be reviewed and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: NY

Complaint narrative:
Social security number is XXXX Equifax and experian has not still removed accounts that are adverse negative and accounts that don't belong to me ending in XXXX negative and XXXX negative and XXXX and XXXX and XXXX there is a federal trade commission identity report on file by law it supposed to be removed from report those accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Peer Advisors, LLC
State: IL

Complaint narrative:
XXXX XXXX  of XXXX OK , a reverse mortgage company, is accusing me of not paying my property taxes. I paid these taxes in full 5 months ago. I sent them copies of documents proving that I paid them. It has been a week now and I have heard anything from them. Now a collection agency called XXXX XXXX is calling me with a vailed threat to pay my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, Im writing because my Capital One account ( ending in XXXX ) is showing several late payments from early XXXX  XXXX through XXXX even though the account was closed in XX/XX/year> and paid shortly after. 

I disputed this with XXXX, but their response said Verified as Reported and didnt include any documents or explanation of how it was verified. Thats frustrating because I know these late marks arent accurate. 

Under the Fair Credit Reporting Act, furnishers like Capital One are not allowed to report information they know or should know is inaccurate ( 623 ( a ) ( 1 ) ( A ) ). I also have the right to file a direct dispute ( 623 ( a ) ( 8 ) ) and to receive the method used to verify information ( 611 ( a ) ( 7 ) ). If something cant be verified, its supposed to be removed ( 611 ( a ) ( 5 ) ( B ) ).

All Im asking is that Capital One review this account again and either show proof that those late payments actually happened or remove them entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Late payment entries are showing on my credit report that I believe are incorrect. As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should be reported. I request verification of these entries, and if they can not be confirmed, they should be corrected or deleted.

Company response to consumer: Closed with non-monetary relief