vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/2025, I used my Regions Bank debit card to pay a security deposit and application fee to XXXX XXXX  for a rental home in XXXX, Mississippi. The lease was scheduled to begin XX/XX/2025. 

After payment, XXXX XXXX unilaterally changed the move-in date without my consent. I immediately disputed this and requested correction. XXXX later acknowledged an internal system error and cancelled the lease on XX/XX/2025, before the effective date. I never took possession of the property, never moved in, and received no housing or related services. 

Despite merchant cancellation, lack of service, proof of the cancelled application, proof of XXXX stating that the deposit would be sent back, Regions Bank denied my debit card dispute multiple times, stating that I authorized the charge and instructing me to resolve it with the merchant. Regions failed to properly apply Regulation E standards for services not rendered/ cancelled contracts, focusing only on authorization date rather than whether the service was provided. 

I provided Regions with written documentation showing lease cancellation and non-occupancy, conversations between the leasing specialist and 8, yet the bank exceeded its processing timeline MULTIPLE times and issued repeated denials without substantive justification. A claims specialist kept reescalating, because the information they were asking for, was already available to them. 

I am requesting CFPB review of Regions Banks handling of this dispute and failure to properly investigate and resolve a valid Regulation E claim.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am requesting a goodwill adjustment regarding my Discover credit card account that was previously charged off but has since been paid in full. 

During late XXXX and early XXXX, I experienced a temporary financial hardship that caused me to fall behind on this account. I take responsibility for that lapse. Once my situation stabilized, I resolved the balance, and the account was fully paid on XX/XX/XXXX. 

Since that time, all of my current credit accounts have been paid on time and remain in good standing. This Discover account is the only major negative item remaining on my credit report, and it does not reflect my current financial behavior.

I am respectfully requesting that Discover consider removing the charge-off notation from my credit report as a goodwill gesture, given the account is paid in full and my credit habits have improved. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Listed below are the Collection Information that are being challenged : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 
I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I have held Capital One checking and savings accounts for several years and provided my SSN when the accounts were opened. 

On XX/XX/year>, I attempted to log into my Capital One account while traveling and was unable to do so because the system requested a security code sent to a U.S. phone number, which I do not have access to while abroad.

I contacted Capital One and was informed that access could not be provided because I do not have a U.S. photo ID. 

I asked to speak with a supervisor and was told that account access and access to my funds would only be restored if I present a U.S. photo ID or visit a Capital One branch in the United States.

I explained that I live abroad, can not obtain U.S. photo ID, and can not travel to the United States. I also explained that I have a Capital One credit card and need access to my bank account to make payments, but I am unable to do so due to the account restriction. 

I asked what solution was available under these circumstances. Capital One stated there was no alternative solution. 

I then requested the return of my funds from my restricted checking and savings accounts. Capital One stated they can not release my funds without U.S. photo ID. 

I am not requesting reinstatement of account access. I am requesting assistance to obtain the lawful release of my funds from my restricted checking and savings accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Sezzle Inc.
State: AR

Complaint narrative:
I used Sezzle to finance an XXXX purchase. The carrier chosen for delivery ( XXXX ) confirmed in writing that the package was delivered to the wrong address and not received by me. 

Despite this documentation, Sezzle denied my Item Not Received dispute and continues to hold me responsible for payments for goods I never received. 

I am requesting cancellation of remaining payments, refund of amounts paid, and correction of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: WA

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies currently appearing on my Equifax, Experian and TransUnion credit report. These inaccuracies pertain specifically to accounts listed under DEPTED/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which are reported with late payments and balances that are either inaccurate, incomplete, or unverifiable. The continued reporting of these erroneous details misrepresents my true credit history, creates a misleading impression of my financial responsibility, and has the potential to negatively impact my creditworthiness, lending opportunities, and overall financial standing. I am therefore requesting a thorough and comprehensive reinvestigation of these accounts, including verification directly with the creditors involved, as well as the immediate correction and updating of all inaccurate information in full compliance with the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), 611 ( 15 U.S.C. 1681i ), 623 ( a ) ( 1 ) ( A ), and 605 ( a ).

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 2025-12-18 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: LA

Complaint narrative:
This is a formal FCRA complaint regarding inaccurate, incomplete, and unverifiable information being reported by Equifax, violating Sections 602, 609, and 611, as well as XXXX XXXX reporting standards. Equifax has an obligation to maintain accurate, verifiable data and delete unverifiable items under Section 611. Additionally, XXXX 2017 data breach calls into question the reliability of its consumer data. I demand a full investigation and deletion of unverifiable items within XXXX ( XXXX ) days. 
XXXX. I was never late on the payment and here i can see 30 days late payment being reported. 
XXXX Account Number : XXXX Please correct/update this account from my credit report. 
XXXX. I was never late on the payment and here i can see multiple late payment being reported. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this account from my credit report. 
XXXX. I was never late on the payment and here i can see multiple late payment being reported. 
XXXX  XXXX Account Number : XXXX Please correct/update this account from my credit report. 
XXXX. I was never late on the payment and here i can see multiple late payment being reported. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this account from my credit report. 
XXXX. I was never late on the payment and here i can see multiple late payment being reported. 
XXXX Account XXXX : XXXX Please correct/update this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
XXXX the mortgage rate is XXXX. I work XXXX hours every single day away from my phone in a basement. I do not have access to my personal email until after XXXX o'clock. XXXX XXXX  has horrible consumer reviews. They send me nothing but encrypted links that don't seem to work and refuse to tell me what paperwork is missing. I believe they are trying to repossess a house that I have owned since XXXX. The lack of communication and the fact that most of their calls get routed to XXXX, make them very uncustomer friendly. I have offered to make several payments to make up the XXXX missed payments, but they refuse to take any partial payment. As a Veteran, i'm terrified of losing my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am filing this complaint against Credence Resource Management for unlawful and inaccurate credit reporting in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

Credence Resource Management is reporting a collection account with a balance of {$540.00}, allegedly owed to XXXX XXXX XXXX, opened on or about XX/XX/year>. This reporting is materially misleading and legally defective. 

This account violates 15 U.S.C. 1681 ( a ) ( 2 ) because reporting a negative balance on a collection account misrepresents the nature of the alleged debt and creates a false and misleading impression to third parties reviewing my credit report. 

Additionally, Credence Resource Management has failed to comply with 15 U.S.C. 1681 ( e ) ( b ) by reporting this account as a verified derogatory obligation without evidence that reasonable procedures were used to assure accuracy. No documentation establishing a valid debt, the amount owed, or the collectors authority to report has been provided.

Further, this conduct violates 15 U.S.C. 1692g. Credence Resource Management has not provided proper debt validation yet continues to engage in collection activity by reporting the account to consumer reporting agencies. 

This reporting also constitutes an unlawful communication under 15 U.S.C. 1692c, as it is an indirect attempt to pressure payment through credit damage without lawful verification. 

Because this account is inaccurate, misleading, and unvalidated, it must be deleted, not corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
I am filing this complaint against TransUnion LLC for failing to comply with its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and for continuing to publish unverified and disputed information despite receiving multiple written notices sent by XXXX. Beginning XX/XX/year>, I submitted a formal written dispute challenging the accuracy, completeness, and verification of an account reported by XXXX Card XXXX.. I specifically requested that TransUnion conduct a reasonable reinvestigation, obtain actual verification from the furnisher, and correct or delete the account if verification could not be produced. TransUnion failed to provide any substantive verification. Instead, the bureau either failed to respond, issued non-responsive procedural replies, or claimed it was unable to process the dispute without addressing a single disputed item. At no time did TransUnion provide evidence from the furnisher, documentation supporting continued reporting, or the results of a lawful reinvestigation. On XX/XX/year>, I issued a second written notice documenting TransUnions failure to investigate, procedural evasion, and continued publication of disputed information. I again demanded verification and explicitly rejected reliance on automated systems such as XXXX as insufficient. TransUnion still failed to provide verification or correct my consumer file. On XX/XX/year>, I issued a Final Notice of Dishonor and Demand for Deletion after TransUnion continued reporting the account without verification. Despite multiple opportunities, TransUnion failed to demonstrate that it obtained or reviewed competent evidence from the furnisher before continuing publication. TransUnion is now continuing to report this account without having verified its accuracy, which constitutes a failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) and a violation of its duty to ensure maximum possible accuracy under 15 U.S.C.

1681e ( b ). Publishing disputed information without verification causes ongoing harm to my credit profile and financial standing.

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AL

Complaint narrative:
RE : Debt Validation Request Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Alleged : {$570.00} To Whom It May Concern, This letter is sent in response to the above-referenced account that you are reporting on my consumer credit report. I dispute this debt in its entirety and request validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Please provide competent evidence that I have a legal obligation to pay this debt, including all of the following : XXXX Proof that Jefferson Capital Systems has the legal right to collect, including a complete chain of title from the original creditor to your company. 
XXXX A copy of the original signed contract or application bearing my signature that created the alleged obligation. 
XXXX A complete payment history showing how the balance of {$570.00} was calculated. 
XXXX The date of first delinquency with the original creditor. 
XXXX Documentation proving the debt is within the statute of limitations for collection in my state. 
XXXX Proof that your company is licensed and authorized to collect debts in my state. 
XXXX The name and address of the original creditor and the original account number. 
Until you provide the above validation, you must cease all collection activity, including credit reporting. Reporting unverified or inaccurate information constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
If you can not provide proper validation, you must delete this account from all consumer reporting agencies to which it has been reported. 
This is not a refusal to pay, but a request for validation. Any failure to comply will be documented and may result in complaints to the CFPB, State Attorney General, and XXXX, as well as potential legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CO

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: CO

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I had an account with bank of America and it was closed on XXXX to being SUSPECTED of fraud I never did anything fraud in my life.

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 2025-12-18 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: IN

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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