vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: SC

Complaint narrative:
In XXXX of XXXX I reached out to AmeriNat regarding a mortgage loan they were servicing. I sold the property on XXXX of XXXX but the loan was still reporting open on my credit profile with all XXXX credit bureaus. I provided them the sale documents from the sale.od the property as proof. I reached out to them several times and spoke.to several different representatives from the company by both phone and email. Each time reminding them that the loan was paid and should not still be reporting. Each time they assured me they were working to fix this. Nothing happened until XXXX when AmeriNat decided to report to all XXXX bureaus that I had nit made a payment on a loan for more than 120 days. The same loan that should have been closed after the sale of my home in XX/XX/XXXX. The loan they were servicing. This reporting tanked my score of.more than XXXX points. My.husbabd and I were in the process of purchasing a home. This reporting resulted in me having ti be removed from the mortgage application. This also delayed our gome.buyung process u til could provide proof, the loan was paid. Luckily I still had the sale documents. Last month the account was reported.as closed but there was no mention of payments not past due 120 days. They are still reporting that I was delinquent on making mortgage payments on a property whay was sold in XXXX more then 120 days late. This is still affecting my credit profile negatively. Even though they attempted to correct their lack of record keeping by reporting the loan closed, the neglected to correct there were no late payments on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: MD

Complaint narrative:
I am submitting a formal complaint against Capio Partners for illegally reporting a medical debt to the credit bureaus without my consent, in direct violation of the Health Insurance Portability and Accountability Act ( HIPAA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), 1. Violation of HIPAA ( 42 U.S.C. 1320d-6 ) & Unauthorized Disclosure of Medical Information Under HIPAA regulations , medical providers and collection agencies can not share, disclose, or report my protected health information ( PHI ) without my written consent. Capio Partners has not obtained my consent to disclose this alleged medical debt to third-party credit bureaus. This constitutes an unauthorized disclosure, violating HIPAA privacy rules and federal law. 2. Violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) 15 U.S.C. 1692e ( 8 ) Prohibits false, misleading, or unauthorized credit reporting. 15 U.S.C. 1692f ( 1 ) Prohibits attempts to collect an invalid or unauthorized debt. 15 U.S.C. 1692g ( b ) Requires proper debt validation before reporting or collection. Capio Partners has failed to validate the legitimacy of this debt, yet continues to report it, violating federal consumer protection laws. 3. Violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) 15 U.S.C. 1681b ( a ) ( 2 ) Credit bureaus must have permissible purpose before receiving any consumer information. 15 U.S.C. 1681c ( a ) Prohibits reporting of certain information beyond the legal timeframe. 15 U.S.C. 1681e ( b ) Requires credit bureaus to maintain maximum possible accuracy. Since I never authorized the reporting of my medical debt, this account must be immediately removed from all credit reports under FCRA compliance. Isnt medical debt not supposed to be on your credit report anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I had no communication with supposed dept collectors for years. I requested TransUnion to take them off my report. They said there was an investigation in which I didnt receive any findings of the actual investigation. If its not corrected I was informed that I can file charges against all parties involved. This is definitely a scam that I demand be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Consumer Reporting organization XXXX, Capital One and Department of Education lacks my approval ( mutual agreement ) to provide this information, and they certainly do not possess my written approval. Furthermore, all consent related to XXXX Provider of information to credit agencies, whether stated verbally, non-verbally, in writing, impliedly, or in any other form is revoked. According to 15 USC 6802 ( b ) ( c ), A financial institution is prohibited from revealing nonpublic personal details to a nonaffiliated third party unless the consumer is given a clear explanation on how they can opt for nondisclosure. The provider of information to credit agencies, including outdated addresses where I no longer reside, along with previous phone numbers and employment details that do not pertain to my privacy or identity, that I also do not utilize anymore, constitutes character defamation and misleading and deceptive practices ; My employer 's name is XXXX XXXX XXXX 2015 ; They have never informed me of my right to opt-out for nondisclosure. Additionally, 15 USC1681C ( a ) ( 5 ) specifies, Except as permitted under subsection ( b ), no consumer reporting agency can create a consumer report that includes any of the following items or any other adverse information, aside from records of crimes that precede the report by over seven years. This account represents an adverse detail being reported again without my authorization, which is unlawful. As stated in 15 U. S. Code 1681s2 ( A ) ( 1 ), No individual shall provide any information concerning a consumer to any consumer reporting agency if they know or reasonably believe the information is incorrect. Furthermore, 15 U. S. Code 1681e asserts, All consumer reporting agencies must uphold reasonable practices to prevent violations of section 1681c of this title and ensure that consumer reports are limited to the purposes outlined in section 1681b of this title. XXXX, Capital One and Department of Education are failing to maintain these reasonable practices. Lastly, 12 CFR 1016. 7 indicates that A consumer is entitled to opt out at any moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
Consumer Reporting organization XXXX, XXXX XXXX and Department of Education lacks my approval ( mutual agreement ) to provide this information, and they certainly do not possess my written approval. Furthermore, all consent related to XXXX Provider of information to credit agencies, whether stated verbally, non-verbally, in writing, impliedly, or in any other form is revoked. According to 15 USC 6802 ( b ) ( c ), A financial institution is prohibited from revealing nonpublic personal details to a nonaffiliated third party unless the consumer is given a clear explanation on how they can opt for nondisclosure. The provider of information to credit agencies, including outdated addresses where I no longer reside, along with previous phone numbers and employment details that do not pertain to my privacy or identity, that I also do not utilize anymore, constitutes character defamation and misleading and deceptive practices ; My employer 's name is XXXX XXXX XXXX XXXX ; They have never informed me of my right to opt-out for nondisclosure. Additionally, 15 USC1681C ( a ) ( 5 ) specifies, Except as permitted under subsection ( b ), no consumer reporting agency can create a consumer report that includes any of the following items or any other adverse information, aside from records of crimes that precede the report by over seven years. This account represents an adverse detail being reported again without my authorization, which is unlawful. As stated in 15 U. S. Code 1681s2 ( A ) ( 1 ), No individual shall provide any information concerning a consumer to any consumer reporting agency if they know or reasonably believe the information is incorrect. Furthermore, 15 U. S. Code 1681e asserts, All consumer reporting agencies must uphold reasonable practices to prevent violations of section 1681c of this title and ensure that consumer reports are limited to the purposes outlined in section 1681b of this title. XXXX, XXXX XXXX and Department of Education are failing to maintain these reasonable practices. Lastly, 12 CFR 1016. 7 indicates that A consumer is entitled to opt out at any moment.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I am filing this complaint against Caine & Weiner Company , Inc. due to their reporting of a collection account on my credit report without providing prior notice or proper validation. This action has adversely affected my credit score and financial standing. Upon requesting validation of the alleged debt, Caine & Weiner did not furnish adequate documentation to prove the debt 's legitimacy. After disputing the account and its subsequent removal from my credit report, Caine & Weiner reinserted the same information without notifying me within five business days, as required by the Fair Credit Reporting Act ( FCRA ). I have still received a text message on XX/XX/year>2025. I have requested cease and desist all communication and they are still sending me letters in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I went to XXXX XXXX on XX/XX/year>. 
In the airport is a small XXXX store. 

I bought a few things like XXXX XXXX XXXX etc. 

The cashier did not speak great English. 
She showed me the price on the calculator at XXXX pesos, around $ XXXX USD. It was a bit much but I bought anyways. She had a card scanner on like a phone tablet. She scanned my card then asked for a signature. 
The signature page was like a blank line on the tablet and didnt show itemized prices or the final price. 

They did not have receipts to print off. 

I let and got a notice on my phone that they charged me {$7500.00} pesos not {$750.00} pesos. 

I went back to the store minutes later. The cashiers manager said no refunds but I can pick out items to make up the difference for the extra $ XXXX USD I was charged. I said no and again asked for a receipt. He said they can not print them. 
I immediately called American Express to notify them. 

They said they would investigate. Weeks later I get a letter in the mail saying I lost the appeal and the vendor submitted a receipt. 
It was a receipt with the price of XXXX pesos ( not itemized ) and my signature below. My signature was clearly photoshopped from the tablet I signed, Im guessing they have signatures saved. I never signed that receipt with that price. 

Its blatant fraud on the vendors part. I requested Amex ask for video footage which would show the incident. They said they would not do that as the video would suffice. 

I would like assistance challenging this. If someone can just photoshop your signature onto a receipt then we have no defense against this. 


Please reach out for additional information. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XXXX XXXX, XXXX, XXXX charged me fraudulently {$760.00}. The case number is XXXX from XXXX. 
I also called Discover to complain about the charge & dispute it. 
I froze my account & had Discover send me a new card. 
My life got busy with my family & I finally contacted Discover on XX/XX/XXXX. I called Discover and ask what was going on with the fraudulent money charge. Discover told me they had an authorized case refund complaint for me. 
The case number is XXXX XXXXXXXX XXXX. We spoke to someone named XXXX about the case but still I didn't get my money back. My friend told me that I could try your bureau to dispute my fraudulent charge so now I'm writing to you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-12 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX  # XXXX XXXX/XXXXXX/XX/XXXX -- {$1400.00}

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 2025-04-12 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: TX

Complaint narrative:
Improper Verification of Disputed Information Under FCRA 15 U.S.C. 1681i Description : I am filing this complaint because XXXX, XXXX, or TransUnion failed to properly verify information on my credit report. I previously disputed the following account ( s ) : XXXX. XXXX XXXX Date of inquiry : XXXX XXXX. XXXX XXXX Date of inquiry : XXXXXXXX XXXX. XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXXXX/XX/year> XXXX. XXXXXXXX XXXX XXXXXXXX Date of inquiry : XXXX XXXX. XXXX XXXXXXXX XXXX Date of inquiry : XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XXXX  The bureau returned the items as verified, but no actual proof of verification was provided. UnderFCRA 15 U.S.C. 1681i, credit bureaus are required to conduct areasonable investigationand either verify the accuracy of the information or delete it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC.
State: AZ

Complaint narrative:
Opened XXXX XXXX account XX/XX/XXXXXXXX XXXX XXXXXXXX, with deposit {$10000.00}. 
Interest on XX/XX/XXXX {$20.00} ; on XX/XX/XXXX {$220.00} ; XXXX XXXX {$240.00} is correct per statements. 
Account hacked ( that I am aware of ) XX/XX/XXXX. ( dep ), XX/XX/XXXX ( XXXX out ), XX/XX/XXXX ( dep ), XX/XX/XXXX ( xfer out ), XX/XX/XXXX ( xfer out ) ; CIT is aware I am victim of identity theft. 
Dispute re : XXXX ( by me ) ACH Debits submitted XX/XX/XXXX Claim XXXX ; claim for {$9000.00} transfer XX/XX/XXXX in process. 
Starting XX/XX/XXXX started getting Overdraft Notices and received letter stating that the investigation of unfamiliar transactions was complete and a credit of {$9000.00} had been posted to my account. 
Request to unlock account denied XXXX ; XX/XX/XXXX ongoing notices re : confirmation of transaction but I am locked out of account so can not verify ; funds availability and overdraft notices continue Provided info from XXXX XXXX to CIT fraud XX/XX/XXXX to assist in investigation Received check dated XX/XX/XXXX for XXXX w/ no explanation. 
Emailed rep XXXXXXXX XXXX  : XXXX, check w/ no explanation, account status XXXX, XXXX, and XX/XX/XXXX. No response. 
Called customer service XXXX and XX/XX/XXXX requesting a corrected XXXX or check for {$180.00}. XXXX XXXX called to say I would have to submit request in writing so they could alert Fraud. I shared that I had already emailed XXXX in Fraud 3 times w/ no response so my request is already in writing to Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I took out a personal line of credit/cash advance. Original amount was {$1200.00} I was approved for. Then they gave me another {$150.00}. Payments were set up bi-weekly on my paydays. When I couldn't make payments, I contacted them and extended the due dates and amount due. My balance is way higher than what it should be and they are saying that I am past due {$520.00} because of a missed payment. I called them and changed the payment days way in advance but they still tried to run payment on XX/XX/XXXX for {$210.00}. That payment was changed. 

The agreement was to pay XXXX {$100.00} XXXX {$100.00} XXXX {$210.00} I also have the emails they sent with the scheduled payments The XX/XX/XXXX payment was supposed to be postponed and date changed. If you look at my statement from XX/XX/XXXX ( attached statements ) you will see there were payments of {$390.00} that were made also but were not applied when I look at payment history. There's obviously a discrepancy and someone there isn't doing their job and not updating my account once I make arrangements. They also processed one payment from a wrong bank account before and I had to call in and get them to process again in the correct account because it failed the first time. 

THEY NEED TO CORRECT MY ACCOUNT AND UPDATE IT. IT IS NOT PAST DUE. I MADE ARRANGEMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
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 2025-04-12 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:
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 non-monetary relief