vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Okay I restore cars for a living customers give me their cash to make online purchases I was given {$3000.00} in cash to make an online purchase and to pay myself I took {$900.00} off that XXXX I deposited {$2100.00} to do my business to order paint and auto body supplies for the car I'm doing I did on a Sunday I ordered my stuff it never went through because the money never posted The machine broke as I was depositing the money it did not give me a receipt with the amount on the on that which I deposited so I called XXXX days later thought they would figure it out but they didn't My money never posted like it usually does so I called him and asked him hey where's my money and this is what you have to make a claim and I made a claim and then they help begin to help my money for XXXX working days when I deposited cash in there which is wrong and then even when I called and complained my situation where it made me look bad in front of my customer I was held up could not go to work because of this because I did not have the products I needed I was laughed at on the phone and they was told the same XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  over and over again and now the 10 days is almost up to see if they'll give you my money but I am want to make a plate I will be closing this account and I think they should be liable for the wages I've lost and for the fact it's scarred my reputation because I was given money and trusted in me to do to make some purchases and I wasn't able to it's put me in a bad situation and I don't appreciate being laughed at and XXXX  they have a XXXX XXXX XXXX XXXX XXXX XXXX  up policy excuse my language

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
REQUESTED THAT COLLECTION VERIFY AND PROVIDE THE DEBT ACCURATE AND BELONG TO ME. NO RESPONSE WAS RETURN TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NJ

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-28 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: IN

Complaint narrative:
Based on 15 U.S. Code $ 1681c-2 a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DATE OPEN 08/14/2019 15,999 Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

in accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consume right to privacy and confidentiality under the 15 USC 1681. these accounts has violated my rights. 
Pursuant to 15 USC 1681 sections 602 A states i have the right to privacy.

Pursuant to 15 USC 1681 sections 602 A Section 2. It also states a consumer reporting agency cannon furnish accounts without my instruction. 
I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. 
You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, my Chase account was accessed on a new device while I was asleep. I received multiple alerts that my Chase XXXX account was logged in new devices and XXXX XXXX had been changed. At around XXXX AM, I woke up and immediately change my password and logged in and discovered XXXX unauthorized XXXX transfers ( {$240.00} and {$250.00} ). 

I filed a fraud claim the same day. Chase later denied my claim. When I called to dispute this decision, the representative stated that the denial was because the transfers came from my usual device. This is false. I have used the same XXXX XXXX XXXX exclusively for over XXXX years for all XXXX XXXX XXXX and I have never used any other device. The fraud clearly originated from a different device ( Macbook or iphone XXXX ). 

Additionally, the unauthorized login did not require SMS or email verification, which is a serious security flaw. Despite clear evidence, Chase denied responsibility and refused reimbursement. 

These were unauthorized electronic fund transfers and are protected under XXXX XXXX Chases denial without proper investigation violates my rights under federal law. I request CFPBs assistance to require Chase to reopen the case and reimburse the stolen funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-28 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: LCI Acquisition Inc.
State: CA

Complaint narrative:
CFPB Complaint Summary 1. What happened? 
I submitted multiple disputes to XXXX XXXX  / XXXX  XXXX XXXX  regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case. 
2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
My student loan account serviced by Aidvantage is current and in good standing. As shown in the attached Aidvantage Account Summary dated XX/XX/scrub>/2025, my last payment was received on XX/XX/year>2025 and my next payments are not due until XX/XX/year>2025. There are no past-due amounts. 

Despite this, XXXX  continues to report my account as delinquent/late, which is inaccurate. I have disputed this with XXXX, but the error was not corrected. Aidvantage has also not updated the reporting to remove the delinquency, even though my account is current. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers must report information that is accurate and complete. Reporting a current account as late is inaccurate, misleading, and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX I am writing in regard to the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist all communication with me immediately regarding this alleged debt. 

This account is already reported as closed on my XXXX  credit report, therefore any continued collection attempts are inaccurate, misleading, and in violation of the FDCPA as well as the Fair Credit Reporting Act ( FCRA ). 

Please be advised that failure to comply with this request constitutes a violation of federal law, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals Office.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The late payment entry on my report may be incorrect. Given my consistent record, I ask for a prompt review and correction.

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 2025-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: MARINER FINANCE, LLC
State: KY

Complaint narrative:
When I took the loan out they sold me XXXX insurance. I became XXXX and the insurance kicked in and started making payments. But once the finance company found out I was permanently XXXX they said I wasnt eligible for that insurance and stopped it and refunded the cost of the policy to my loan. Then told me I had to start making payments again. I was sold the insurance and even used it up until then. Mariner finance was the name of the company that did this to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I am filing this complaint against M & T Bank for attempting to foreclose on property located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL without any legal right to the title. Documents in my possession, including the original mortgage note, assignments, endorsements, and related records ( summarized below ), clearly demonstrate that the servicer lacks a valid chain of custody or ownership interest in the loan. Despite this, they have initiated foreclosure proceedings, committing mortgage fraud, securities fraud, and mail fraud in an effort to unlawfully gain ownership. 

- The original mortgage note dated XX/XX/XXXX shows the lender as XXXX XXXX, with no valid endorsement or assignment transferring rights to the current servicer. 
- Purported assignment documents received via request from M & T Bank in XX/XX/XXXX appear forged or incomplete, lacking proper signatures, notarization, or recording in the county records, breaking the chain of title. 
- Securities-related filings ( e.g., SEC disclosures or pooling and servicing agreements ) indicate the loan was securitized into a trust, but the transfer deadlines were missed, rendering any claim by the servicer invalid under the trust 's rules. 
- Correspondence and internal memos reveal inconsistencies in the loan history, including robo-signed documents and backdated assignments, which were mailed to me and filed in court to deceive stakeholders. 

The servicer has filed false and forged documents in the foreclosure suit pending in XXXX XXXX, Florida, falsely representing a complete chain of custody. These actions include submitting fabricated endorsements and assignments to mislead the court and me, violating federal laws such as the Real Estate Settlement Procedures Act ( RESPA ), Truth in Lending Act ( TILA ), and prohibitions against fraud under 18 U.S.C. 1341 ( mail fraud ) and 1348 ( securities fraud ). This has caused me significant harm, including emotional distress, legal fees, and the threat of losing my home. 

Thank you for your assistance in protecting consumers from predatory servicing 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 explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I am writing in response to your phone call dated XX/XX/25 regarding the collection of the alleged debt. Please be advised that this is a request for validation made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I request that you provide me with the following : 1. The amount of the alleged debt, including an itemized accounting of fees, interest, or other charges.

2. The name of the original creditor and a copy of the original agreement that created this debt.

3. Proof that you are legally authorized to collect this debt in my state.

4. Documentation that the alleged debt has not been paid, settled, or discharged in bankruptcy.

5. The chain of title or assignment showing how you obtained the right to collect this debt.

Please note that until you provide the requested validation, you must cease all collection activity and not report this debt to any credit reporting agencies. If this debt has already been reported, you must inform the credit bureaus that it is being disputed. 

Be advised that any attempt to collect without proper validation is a violation of the FDCPA, and I will not hesitate to report such violations to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state attorney generals office. 

I request all future communications be made in writing. 

Thank you for your cooperation. 

Sincerely

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
I have received XXXX deceptive text messages from RADIUS Global Solutions LLC regarding a debt allegedly owed to XXXX XXXX XXXX XXXX, including XXXX messages sent after I sent a letter on XX/XX/year>, instructing them to stop texting me and notifying them of violations. 



The texts include misleading language such as SAVE MONEY! and only provide a hyperlink to view rights. They do not clearly identify RADIUS as a debt collector nor state that the communication is for the purpose of collecting a debt, as required by law. 



I have never received a mailed notice from RGS, and I never consented to receive automated text messages. 



I believe these communications violate : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 11 ) North Carolina Debt Collection Act North Carolina Unfair and Deceptive Trade Practices Act Supporting Documentation : Screenshots/logs of all text messages Copy of XX/XX/year> letter Copies of subsequent communications with RGS

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-28 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:
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 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 2025-08-28 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-08-27 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: TN

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 non-monetary relief
Consumer complaint received 2025-08-28 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:
N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XX/XX/2025 {$110.00} HAS VIOLATED MY RIGHTS. 
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

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