vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
THESE COMPANIES FILED INQUIRIES WITHOUT MY CONSENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: LA

Complaint narrative:
I have been affected by the data breaches, and information has been reported to the credit bureaus inaccurately. I am attaching all documents which I've obtained, as well as an affidavit as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: DRB-40, LLC
State: OH

Complaint narrative:
I am filing a complaint against DRB , LLC. On XX/XX/year> at XXXX XXXX, I received an unsolicited text message from this company about a debt. I never authorized them to send text messages or signed up for text alerts. 
This is a violation of the Telephone Consumer Protection Act ( TCPA ), which requires prior express consent before sending text messages. 
While I have only received one message so far, want to ensure the company does not continue contacting me in this manner. I am requesting that DRB , LLC be instructed to stop sending me any unauthorized text messages and that this matter be recorded for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: LCI Acquisition Inc.
State: NY

Complaint narrative:
LCI Consumer Center reported/transmitted inaccurate and internally inconsistent data across multiple tradelines ( XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX ). Examples include Open/Closed conflicts, duplicate collectible balances for a sold debt, a FactoringCompanyAccount label on a credit-card collection, date inconsistencies ( DLA vs Date Reported ), and mismatched dispute indicators. I disputed and requested the method of verification ; LCI did not provide adequate correction or transparent verification. This violates FCRA 1681e ( b ), 1681i, 1681c, 1681b, 1681g ( a ) and fails Metro 2 expectations ( sold-debt handling, collection classification, accurate DOFD ). I request a proper reinvestigation ; deletion/correction of unverifiable or misleading data ; the full method of verification ; Metro 2-compliant recoding ; an updated disclosure ; and no reinsertion without 1681i ( a ) ( 5 ) notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
My XXXX  credit report is showing my M & T Bank FHA Mortgage account inaccurately. Although XXXX  correctly lists the account as in forbearance, it is still reporting late payments for XXXX, XXXX, XXXX, and XX/XX/XXXX. Under the CARES Act, accounts in forbearance must be reported as current, not delinquent. 



In addition, XXXX payment history for this account is incomplete. Several months in XXXX and specific months like XX/XX/XXXX and XX/XX/XXXX appear as not available, which lowers my on-time percentage unfairly.

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 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Complaint Letter to the Consumer Financial Protection Bureau Re : Capital One Bank Unreasonable Holds on Payroll Check Deposits To Whom It May Concern : I am submitting this formal complaint against Capital One Bank regarding repeated and unreasonable funds availability holds being placed on my weekly payroll check deposits. 

I have been a Capital One checking account customer since approximately XXXX. I work for the same employer, who has also maintained business accounts, credit cards, and a line of credit with Capital One for over 40 years. My payroll checks are issued weekly, are consistently within the {$700.00} {$800.00} range, and have never been returned or caused an overdraft in my account. 

For years, I have successfully deposited these checks using the mobile deposit feature, with funds typically clearing within an hour. In July of this year, I deposited my check and, for the first time, the funds were held for 34 business days. I initially assumed the delay was related to the holiday schedule.

Since that time, every single weekly payroll deposit has been subjected to a minimum 4-day hold, regardless of deposit method. More concerning, I received an email from Capital One stating that funds were being held due to the chance that the check would not be paid. This is unreasonable, given that : These are payroll checks issued by a reputable company with a decades-long relationship with Capital One. 

The checks are consistently in the same range each week, generally between {$700.00} and {$800.00}. 

I have never had a returned deposit, overdraft, or issue with this account in over four years.

This week, I deposited my payroll check in person, before noon, at the same branch where both my account and the issuing companys account are held. Despite this, I again received notice that the funds would not be available until the following Monday a 4-day delay. Capital One has stated that because they do not consider Saturday a business day, they are not obligated to honor their next business day availability policy. 

Capital One claims these holds are for customer safety. I find this explanation vague and unjustified given my deposit history and long-standing relationship with both the bank and my employer. These delays are disruptive and have caused financial hardship, as I rely on timely access to my payroll funds for regular living expenses. 

Supporting Documentation : Attached to this complaint are two recent Capital One communications : An XX/XX/year> notice delaying availability of {$830.00} until XX/XX/year>, citing increased risk despite a consistent deposit history. 

A XX/XX/year> notice showing a {$760.00} deposit and indicating it was fully available the same day, demonstrating inconsistent application of hold policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because my credit reports are showing multiple collection accounts that are inaccurate, unverifiable, and/or the result of identity theft and bundling of debt. 

The specific accounts are : XXXX. XXXX XXXX XXXX {$5000.00} ( appears to be bundled XXXX accounts previously disputed ) XXXX. XXXX XXXX collection account listed inaccurately XXXX. XXXX Accounts multiple accounts that were previously disputed but continue to reappear under different collectors FCRA ( 15 USC 1681 ) : The bureaus are continuing to report inaccurate and unverifiable accounts without proper reinvestigation. 
FCRA 1681c-2 : These are identity theft-related accounts that should be blocked within 4 business days after notice.

FDCPA ( 15 USC 1692 ) : Debt collectors are continuing collection and reporting activity without providing proper validation of debt.

These false collections are causing harm to my creditworthiness, limiting financial opportunities, and creating emotional distress. Despite prior disputes, the accounts remain or reappear, showing the bureaus and collectors are not fulfilling their legal obligations.

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 2025-09-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: IQOR US INC
State: NV

Complaint narrative:
Never received notice from the collection agency. Got an email alert from XXXX  that my credit score declined on XX/XX/year>. I've attempted to call Allied Interstate LLC but the phone number is inactive. I've sent a writter request for a debt validation letter as well.

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 2025-09-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
I have lost money dealing with chime and a friend have gave me advice to get a cash settlement dealing with you guys

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The amount is wrong and Im not happy at all with what youre doing, youve been hurting my account and my life because of that, Im disputing. You impounded my car, you sold it, the money you sold it for how much was is it? And why you didnt deduct that money from the loan? Why youre saying the account was closed in XXXX and thats totally wrong, the account was closed way before XXXX. It was during covid in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: TX

Complaint narrative:
What happened : On XX/XX/year>, I deposited a valid {$400.00} check into my Cash App account ( issued by XXXX XXXX XXXX XXXX XXXX XXXX ). That same check was also mistakenly cashed at XXXX. When XXXX contacted me, I immediately acknowledged the duplicate presentment and repaid them in full months ago. This was confirmed in writing by XXXX XXXX XXXX, who credited the repayment against my workers compensation benefits. 



Despite this, in XX/XX/year> four months later Cash App suddenly withdrew {$400.00} from my account, claiming a duplicate deposit. This withdrawal was done after the matter had already been resolved. 



Why this is a problem : XXXX XXXX XXXX  has confirmed to me that they never received any repayment from Cash App. 

I already repaid XXXX directly, so this reversal penalizes me twice for the same check. 

Cash App has refused to provide documentation of where my money went, or proof that they sent it to the issuer. 



What I want : A full refund of {$400.00} wrongfully taken from my Cash App account. 

Documentation of why this reversal was processed months later. 

Assurance that I will not be penalized again for a matter I already resolved. 



Evidence available : Emails from Cash App support ( Case # XXXX ). 

Written confirmation from XXXX XXXX XXXX  showing I already repaid XXXX. 

Notes from my conversation with XXXX XXXX XXXX confirming they never received repayment from Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: TX

Complaint narrative:
My Equifax credit report is showing my XXXX XXXX XXXX XXXX  FHA Mortgage account inaccurately. Although Equifax correctly lists the account as in forbearance, it is still reporting late payments for XXXX, XXXX, XXXX, and XX/XX/XXXX. Under the CARES Act, accounts in forbearance must be reported as current, not delinquent. 



In addition, Equifaxs payment history for this account is incomplete. Several months in XXXX and specific months like XX/XX/XXXX and XX/XX/XXXX appear as not available, which lowers my on-time percentage unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Fraudulent accounts of my credit report, Ive disputed for fraud numerous times these creditors are being allowed to be added back onto my credit report. 

These accounts are present on TRANSUNION- XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX- XXXX XXXX XXXX  EXPERIAN- XXXX  XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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:
Dear TransUnion, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Accounts in Question : XXXX Date XX/XX/XXXX Account Number XXXX Balance {$1500.00} XXXX Date XX/XX/XXXX Account Number XXXX Balance {$290.00} Inquiries in Question : XXXX  Date XXXX XXXX, XXXX XXXX  Date XXXX XXXX, XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: CA

Complaint narrative:
I am formally notifying the Consumer Financial Protection Bureau of multiple erroneous items on my credit report, including a wrong address and fraudulent accounts. These inaccuracies violate FCRA Sections 1681i, 1681e ( b ), 1681s-2, 609 ( a ), 611, and 623 ( a ) ( 1 ), which require accurate and verifiable reporting. The false reporting has resulted in harm to my financial standing, denial of credit opportunities, and emotional stress. I request the CFPBs intervention to ensure thorough reinvestigation, verification, and removal of unverifiable items. 

ACCOUNTS XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Late Payment * * This account continues to report late payments that I dispute as inaccurate and unverified. Under FCRA 611 ( a ), you are required to conduct a reasonable reinvestigation, but the prior responses failed to provide documentation proving the alleged delinquency. The furnisher must produce a full payment history, contract, and proof that I was notified before negative reporting. Without these documents, continued reporting is inaccurate and harmful. The current balance being reported is also suspect as it does not match statements in my possession. Every late payment reported is negatively affecting my credit score, employment opportunities, and lending ability. This account must either be corrected to show accurate payment history or removed entirely if verification can not be obtained. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} Late Payment * * This is another XXXX XXXXXXXX tradeline with multiple late payments that are being reported inconsistently across different bureaus. Under FCRA 607 ( b ), you must follow reasonable procedures to assure maximum possible accuracy of the information you report. Reporting conflicting dates of delinquency and failing to provide evidence of late payments violates that duty. I demand you contact XXXX XXXXXXXX directly and obtain a full investigation report, including date-stamped payment history and proof that all negative entries were lawfully reported in compliance with the Fair Credit Billing Act and the FCRA. If XXXX XXXX can not provide this within the legally required timeframe, you must delete the negative information. 

XXXX respectfully request the CFPB to ensure that all reporting agencies and creditors comply with the FCRA, verifying all disputed items or deleting them if unverifiable. The false reporting has caused financial damage, stress, and harm to my reputation. I expect confirmation in writing once all inaccuracies have been fully addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: TX

Complaint narrative:
Fraudulent accounts of my credit report, Ive disputed for fraud numerous times these creditors are being allowed to be added back onto my credit report. 

These accounts are present on TRANSUNION- XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX- XXXX XXXX XXXX  EXPERIAN- XXXX  XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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:
Fraudulent accounts of my credit report, Ive disputed for fraud numerous times these creditors are being allowed to be added back onto my credit report. 

These accounts are present on TRANSUNION- XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX- XXXX XXXX XXXX  EXPERIAN- XXXX  XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of fraudulent accounts and unauthorized hard inquiries from my credit report. I am a verified victim of the XXXX  Data Breach, and as a result, my personal information has been compromised and used fraudulently to open accounts and inquiries without my authorization.

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 2025-09-13 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: CL Holdings LLC
State: FL

Complaint narrative:
A collection account from Jefferson Capital Systems was reported on my credit file with inaccurate and fraudulent information. The account shows an opened date of XX/XX/2025, which is a future date and factually impossible. It also lists a balance of {$4200.00} but does not identify the original creditor or provide any supporting documentation. 

I have no knowledge of this account and never authorized or opened it. I previously disputed this item with XXXX in XX/XX/2025, but the account remained with no proof of validity provided. 

This appears to be a fraudulent account and unverifiable under the Fair Credit Reporting Act ( FCRA ). I am requesting that Jefferson Capital Systems delete the account from my credit reports and that the CFPB require the company to provide documentation proving its validity if they claim it is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Dispute of Account XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Dear Amsher, I am disputing the above account due to clear inaccuracies : Balance amounts differ across bureaus.

Status conflicts : listed as active collection in XXXX bureau, closed/settled in another.

Missing and inconsistent account dates.

This violates FCRA 623, FCRA 611, and the FDCPA 809. 

This matter has been filed with the CFPB with documentation attached. Please ensure that this tradeline is corrected or deleted, and all bureaus are updated through e-OSCAR. 

If unresolved within 7 days, I will take civil action. This serves as my formal intent to sue. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am writing to formally dispute and request correction of inaccurate information being reported on my credit file. Certain accounts on my credit report are marked as charged off or closed with a negative rating. While the accounts in question were settled through charge-off agreements, these items are still being reported in a manner that unfairly damages my credit profile. 
A charge-off reflects that the creditor agreed to accept a final resolution of the debt. Once that agreement is made, the account should not continue to report as an active negative item. The continued presence of these accounts creates an inaccurate and misleading impression of my financial standing. 
I respectfully request the following actions : A thorough investigation into the reporting of all charged-off accounts listed on my credit report. 
Removal of all negative notations associated with accounts that were settled or resolved through charge-off agreements. 
Issuance of an updated credit report reflecting the corrected information. 
This matter is causing ongoing and undue harm to my credit rating. I expect a fair resolution in accordance with the Fair Credit Reporting Act. Please provide written confirmation once the requested corrections have been completed. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: GA

Complaint narrative:
CMG MORTGAGE COMPANY TRANSFER OR MORTGAGE TO XXXX XXXX WILLFULLY AND ILLEGALLY PLACING ( FORCED PLACED INSURANCE ) KNOWING WE HAD OUR OWN INSURANCE AND WILL NOT CORRECT ACCOUNT AND HAVE BEEN GIVEN TIME TO CORRECT THERE ERA

Company response to consumer: Closed with explanation