vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: AK

Complaint narrative:
b'NOTICE FOR REQUEST OF         \nCERTIFIED MAIL RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE \nAND DESIST OF SLANDER HARRASSMENT EMBARRASSMENT THREATS \nDEFAMATION COLLUSION COLLECTIONS FALSE REPORTING & 18 USC 96 CAUSING \nHARM NOTICE INTENT TO SUE REPEATED OFFENDER \XXXX                                           PLAINTIFF: XXXX XXXX XXXX XXXX XXXXn \nDEFENDANT: ALDOUS & ASSOCIATES, PLLC D-U-N-S number: XXXX  BOND SUITCASE\nXXXX XXXX XXXX XXXX XXXX XXXX\nRE: ALLEGED ORIGINAL CREDITOR: XXXX XXXX XXXX   ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBER: XXXX  \n  ALLEGED DEBT AMOUNT OR BALANCE XXXXnCERTIFIED MAILXXXX XXXX XXXX XXXX XXXX XXXX XXXXDEAR: ALDOUS & ASSOCIATES, PLLC \nSTOP VIOLATING THE FDCPA USC 1692D\nEXHIBIT XXXX: I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO \nDISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. \nACCORDANCE TO 15 USC 1681s-2(a)(7)A(i) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY HUMAN SIGNATURE EXHIBITXXXX I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY.  YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE&DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES \n(CRAs) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS \nREQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED \nDEBT FROM MY CONSUMER REPORT.  THIS LETTER IS EVIDENCE PROVIDED VIA TO THE \nCONSUMER FINANCIAL PROTECTION BUREAU (CFPB). THE CFPB IS AUTHORZED TO FULLY \nINVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. I NEVER GAVE CONSENT TO USE THIS ACCOUNT KARLY FRANTZ GARCONVIL TO BE USED IN COMMERCE THIS IS YOUR LAST CHANCE TO DELETE THIS FROM XXXX XXXX & XXXX OR ANY REPORTING OR DATA AGENCY OR I WILL MEET YOU in court.                                                         \n BLUNTY,\nAFFIANT .XXXX  Beneficiary XXXX XXXX XXXX  not the TRUSTEE UCC1-308 WITHOUT PREJUDICE'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Collection Accounts Department of Treasury - {$4000.00} XXXX XXXX  {$1800.00XXXX XXXX XXXX {$6800.00} XXXX {$840.00} Dear Credit Bureau , I am writing to formally dispute several collection accounts currently reported on my credit file with your agency. This letter serves as a formal request for reinvestigation under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and as notice under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692c ( c ) ) that I dispute these debts and do not wish to be contacted further by collection agencies related to these accounts. 

I dispute the accuracy and validity of the following accounts appearing on my credit report : Department of Treasury Balances Reported : {$4000.00} XXXX XXXX Balance Reported : {$1800.00} XXXX XXXX Balances Reported : {$6800.00} XXXX Balance Reported : {$840.00} These accounts appear to be either unverifiable, inaccurate, or potentially no longer legally collectible. Furthermore, I have not received any IRS Form 1099-C for any of the above debts, despite the fact that they appear to be listed as charged off or written off by the original creditors. Without a 1099-C, these debts can not be considered forgiven income for tax purposes, and their reporting may be in violation of federal laws.

Under the FCRA, all information reported must be accurate, verifiable, and complete. If these accounts can not be validated with full documentation from the original creditors, they must be immediately removed from my credit report. I am also asserting my rights under the FDCPA, 15 U.S. Code 1692c ( c ), and requesting that all third-party collection communications cease immediately.

Furthermore, I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and am also submitting this matter for investigation by the Executive Office of the Attorney General due to concerns about potential consumer rights violations.

Please conduct a full reinvestigation of these accounts and provide me with a written response outlining the results of your investigation within 30 days, as required by federal law. I also request an updated copy of my credit report reflecting any changes made as a result. Thank you for your time and cooperation in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 



I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

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 2025-04-23 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: CA

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 



I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I was approved for a personal loan at Title Max at an annual percentage of 601.33 % on XX/XX/2025, for a loan in the amount of {$1800.00}. I did not understand why the annual percentage rate was that high. The customer representative told me that the amount I would have paid after I had made all payments as scheduled would total {$6000.00}. I was still confused, and I asked her why it was so much, and she said it was considered a short-term loan. I thought the government set certain criteria about finance charges relating to loan companies, and they could not charge over a specific annual percentage rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding the sudden and unexplained restriction of my Zelle access through my XXXX XXXX account. I had been using Zelle over the past few months to send personal support payments in reasonable increments ( typically under {$3000.00} each ) to someone I know well. These transactions were all legitimate and within the personal-use guidelines. 

On or around XXXX/2025, a {$20000.00} Zelle request was sent to me by this same contact. I did not initiate this request, and I did not accept or send any funds. The request was canceled shortly after. However, shortly following that event, I discovered that my Zelle access had been blocked without warning or explanation. 

I contacted both XXXX XXXX and Zelle support. Both parties stated they could not help or provide details about the restriction. I have never used Zelle for business transactions, fraud, or any activity in violation of their terms. I am requesting that my account activity be reviewed and that my access to Zelle be reinstated, or that I receive a clear and reasonable explanation for the restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One rewards offer did not trigger on XXXX purchase on XX/XX/year>, there are 2 reference codes XXXX or XXXX. It has been over 45 days and the credit has not been received. I tried to go on chat and then submit a complaint but was just given the telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I was charged a {$29.00} late fee because American Express for supposedly being late with my payment. However, submitted a {$200.00} payment along with a {$75.00} points to dollar redemption, both on XXXX XXXX, 2025, to pay off my {$270.00} balance due on the XXXX XXXX, 2025. I receive confirmation on XXXX XXXX, 2025 that both transactions were being process and be posted for XXXX XXXX, 2025. However, since the day was a Sunday, the transactions did not show up yet in their system till the next business day, XXXX XXXXXXXX 2025. They charge me the late fee of {$29.00} and when i reach out to their customer service, i was inform that they would not waive nor reverse the late fee, even after I stated to them that i had paid off my balance on time. When i ask why it would not be waived or reverse, i was told my account was not eligible for waiver or reversal. When i ask what the reason was for this, they state that they would not provide that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NV

Complaint narrative:
FORMAL NOTICE OF DISPUTE & DEMAND FOR REINVESTIGATION From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Date : XXXXXXXX  Subject : URGENT Notice of Dispute & Demand for Immediate Reinvestigation and Removal of Inaccurate Information To Whom It May Concern, I am writing to formally dispute and demand removal of inaccurate, unauthorized, and unlawfully reported accounts currently appearing on my credit file. These accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection laws. 

DISPUTED ACCOUNTS : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX ( Reporting as successor to XXXX XXXX XXXX ) Note : XXXX XXXX XXXX should not be reporting or communicating in any form. 

BASIS FOR DISPUTE : I sent a Cease and Desist communication to XXXX XXXX XXXX in XX/XX/year>, revoking any and all consent to contact me directly or indirectly across all mediums. This includes communication via consumer credit reporting agencies. 

Despite that, XXXX XXXX is now attempting to bypass the cease communication by reporting indirectly on my consumer report. This is a violation of my lawful rights, and constitutes unlawful communication. 

XXXX XXXX XXXX has confirmed that they sold or transferred the alleged debt to XXXX, and no longer service or own the account. Therefore, XXXX XXXX XXXX must not be reporting the account, as they no longer have a legal right to do so. 

The original debt validation has never been provided. No signed agreement, no full chain of assignment, and no full disclosure has been sent to me as

required by 15 U.S.C. 1692g ( b ) and FCRA 1681s-2 ( a ).
These accounts are in active dispute, and per FCRA 1681s-2 ( a ) ( 3 ), reporting disputed information without notice or reinvestigation is unlawful. 

Continued reporting without correction or deletion constitutes willful neglect and non-compliance with federal law, which opens your agency to civil liability under FCRA 1681n and 1681o. 

FORMAL DEMANDS : You are hereby notified to : Immediately remove these accounts from my consumer report due to their inaccuracy and unlawful reporting. 

Conduct a full reinvestigation of these accounts under FCRA 1681i.

Provide a written statement of reinvestigation results within 30 days. 

Send me a corrected credit report with the disputed accounts permanently removed. 

DECLARATION I declare under penalty of perjury that the statements contained in this notice are true, correct, and complete to the best of my knowledge and belief. Any further delay, inaction, or negligence will be interpreted as willful noncompliance and I will not hesitate to pursue legal action to enforce my rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: AR

Complaint narrative:
I am a victim of identity theft. After researching the Fair Credit Reporting Act and the Federal Trade Commission, I submitted all the documents the FCRA suggested I should, to have fraudulent credit items blocked from my credit report via certified mail to Experian, Equifax, and Transunion. I have tracking numbers if needed to prove each credit reporting agency received my dispute successfully. Experian, Equifax and Transunion all confirmed they received my dispute and opened an investigation. At the completion of each credit bureau 's investigation, each credit bureau concluded that the debts belong to me. I understand how it would look like the debts belong to me because the thief that broke into my car gained access to my drivers license, my social security card, my debit cards, mail, and other personal items that were all inside my wallet the thief stole from my car, but these debts do not belong to me and should have been blocked from my credit report within 4 business days of each credit bureau 's receipt. Each credit bureau has violated my rights established in the Fair Credit Reporting Act, and have done so to maintain their ongoing business relationship with the creditors disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: AR

Complaint narrative:
I am a victim of identity theft. After researching the Fair Credit Reporting Act and the Federal Trade Commission, I submitted all the documents the FCRA suggested I should, to have fraudulent credit items blocked from my credit report via certified mail to Experian, Equifax, and Transunion. I have tracking numbers if needed to prove each credit reporting agency received my dispute successfully. Experian, Equifax and Transunion all confirmed they received my dispute and opened an investigation. At the completion of each credit bureau 's investigation, each credit bureau concluded that the debts belong to me. I understand how it would look like the debts belong to me because the thief that broke into my car gained access to my drivers license, my social security card, my debit cards, mail, and other personal items that were all inside my wallet the thief stole from my car, but these debts do not belong to me and should have been blocked from my credit report within 4 business days of each credit bureau 's receipt. Each credit bureau has violated my rights established in the Fair Credit Reporting Act, and have done so to maintain their ongoing business relationship with the creditors disputed.

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 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Somehow an auto payment was setup on the account without my knowledge or consent for the statement balance which doesn't make sense since the account was setup for a balance transfer with 0 % interest for 18 months. Clearly this hasn't worked out very well for me. 

XXXX, XXXX, XXXX, XXXX, and XXXX have incurred overdraft fees from XXXX XXXX due to insufficient funds... Now XXXX it went through but has caused other payments to bounce putting me into further hardship. 

I have made multiple calls about this the first time was in early XXXX and I was told it was resolved and wouldn't happen again. Now months later its continued. I will never be banking with BoA again that's for sure. Hours of poor customer service and being bounced around from department to department nobody seems to want to help.

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 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
I need a debt validation lettter I was charge false amounts with 2 car companys one being Honda financial with a wrongful amount and XXXX XXXX  this was all in a 3 month span.

Company response to consumer: Closed with explanation