vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: FL

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX handling of my disputed auto loan account ending in XXXX. 

I submitted multiple written disputes requesting lawful validation of the alleged debt, including proof of ownership, chain of title, and confirmation or denial of any sale, transfer, assignment, or securitization of the account. XXXX XXXX responded only by providing a copy of the retail installment contract and asserting that the contract validated the debt. 

XXXX XXXX did not provide proof that it is the current owner or holder of the alleged obligation. It did not provide any bill of sale, assignment, chain of title, or sworn affidavit establishing standing. It also failed to confirm or deny whether the account was sold, transferred, pledged, or securitized, despite those issues being specifically raised in my disputes. 

On XX/XX/year>, XXXX XXXX acknowledged receipt of a cease and desist request that I never initiated. On XX/XX/year>, XXXX XXXX stated that the matter was closed without addressing the substance of my dispute. Despite unresolved disputes and the absence of ownership verification, XXXX XXXX continues to furnish information about this account to consumer reporting agencies. 

Furnishing disputed information without conducting a reasonable investigation or substantiating ownership raises concerns under the Fair Credit Reporting Act. Representing a contractual obligation without demonstrating current legal standing is misleading and unfair to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
I was XXXX shopping XX/XX/XXXX and my bag was stolen along with my phone and multiple authorized transactions occured while I didn't have my cellular device I filed a claim and XXXX transaction was approved and XXXX other were declined for various reasons that don't make sense and all XXXX payment where to the same person which I have never sent any money to. They also closed my account after filing the claim for fraudulent activity after I filed a claim and stated fraudulent activity was done on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Carmichael & Frost LLC
State: GA

Complaint narrative:
Creditor called disclosed personal information and details of that persons account without confirming they were speaking to the person she asked for. She called and started talking about a debt being owed for however much money by the persons name. Was very inappropriate and against the law.

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 2025-12-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
LEGAL NOTICE OF IMPROPER ACCOUNT REPORTING LACK OF REQUIRED IDENTIFYING INFORMATION Victim of XXXX  Data Breach ( Case No. XXXX ) Violations : 15 U.S.C. 1681s-2 ( b ) & 15 U.S.C. 1681e ( b ) This letter constitutes my dispute of the alleged debt you claim originates with XXXX XXXX XXXX and is now in collection by National Credit Systems Inc. You have failed to provide any original, wet-signed agreement, proof of my identity, or purchase contract that legally binds me to this obligation. Until such documentation is produced, your collection efforts violate my rights under federal law and the laws of North Carolina. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I demand that you immediately cease all collection activities until you furnish : 1. An itemized, original account statement from XXXX XXXX XXXX ; 2. All assignment or sale agreements transferring this account to National Credit Systems Inc. ; 3. The original purchase or credit agreement bearing my authentic wet signature ; 4. Documentation establishing your legal authority to collect this debt, including agency agreements or power of attorney. 
Further, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, 1681i, and 1681s-2, you may not access my credit report without my written consent, nor furnish any unverified or inaccurate information to consumer reporting agencies. If you have reported this debt, you are required to promptly notify each agency that the debt is disputed and request its deletion until proper validation is provided. Your conduct also violates the North Carolina Debt Collection Act ( N.C. Gen. Stat. 75-50 et seq. ) and the North Carolina Unfair and Deceptive Trade Practices Act ( UDTPA ), N.C. Gen. Stat. 75-1.1. These statutes prohibit false, misleading, or deceptive debt-collection practices and require fair dealing with consumers. Continuing to collect or report this unverified debt exposes you to statutory damages, attorneys fees, and civil liability under North Carolina law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In attempt to make a cash deposit at a Bank of America ATM in XXXX XXXX for {$810.00}, the ATM malfunctioned and collected my deposit but credited the wrong amount. I have documented the details of everything including video and reported the error and provided all the information to the bank. Also, filed a dispute with the bank. It has now been more than 10 business days and my money is still missing. All attempts to resolve this matter with the bank were not helpful. After inquiring about a provisional credit while they investigate it was declined and I was advised I have to wait until after 45 days for the resolution to find out if I can get the correct amount credited to my business account.

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 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have had a Sam 's Club Synchrony MasterCard account for many years and have never had a delinquent payment or any other blemish. I had not used the card in several months and went to go use it but found it had been closed. I called the number on the card and was told that it was closed due to inactivity. I asked if they had ever sent a notification and was told that they do not send notifications and are not required to. They told me that I should use the card every few months. I have over an XXXX credit rating and this closure will affect the average age of my account in a negative way. It is a very poor practice that Synchrony will close accounts due to inactivity without any notification to the card holder.

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 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: VA

Complaint narrative:
I am submitting this complaint because this collection agency is furnishing my personal information without a permissible purpose and without my authorization, which constitutes a breach of my personal data. I have never had any business relationship, services, or contractual dealings with these companies. I did not authorize them to obtain, access, store, or furnish my personal identifying information. Under FCRA 604, a consumer reporting agency or furnisher may only access or report consumer data for a lawful and permissible purpose. At this time, no such purpose has been demonstrated. These companies have not provided documentation showing : A valid consumer transaction involving me Lawful assignment or ownership of the alleged debt My consent to access or furnish my credit information A legitimate purpose for accessing my credit file Because no permissible purpose has been established, the continued reporting of these accounts appears unauthorized and unlawful.

The appearance of this account on my credit report indicates that my personal data may have been obtained or used without authorization, raising serious concerns of improper data handling and potential data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
I did not open this account. I do not want this account. I have a statement requesting payment when I have made no purchases. I want the account closed and the account removed from my credit reports. I have filed disputes with the XXXX credit reporting agencies. Please help me with this. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
Since XX/XX/year>, I have been compelled to sign a promissory note under the deception that I was given a loan, with no evidence to validate an alleged loan. Does the debt collector claiming to be the Creditor on the contract must show how they came to be a party of interest in the contract? The contract does not show the name of the collection company Ally Financial Inc, or Ally Servicing, anywhere in the agreement. I paid a down payment in the amount of {$30000.00} or more on a consumer credit transaction. Was my down payment fraudulently obtained and extorted from me pursuant to 25 CFR Section 11.417 Extortion? I also made payments of fees on the finance charge that were not disclosed to me, nor approved by me or endorsed by me. I was never given a documented agreement to support these fees. Were the finance charges as the security wrongful established, and would it be securities fraud under Title 18 U.S. Code Section 1348-Securities and commodities fraud? I was also sold a service contract, a gap agreement, and a warranty as a form of coverage and insurance. Was I compelled in this contract to receive unauthorized insurance pursuant to Title 18 U.S. Code Section 1033 ( b ) - Crimes by or affecting persons engaged in the business of insurance whose activities affect interstate commerce?

Also, the signatures on the agreement are not mine and are not originals, they have been copies and pasted. Was the alleged seller authorized to copy and paste an electronic signature on multiple copies of documents without my
consent?

See the attached contract for full review. This complaint acts as a FORMAL FOIA REQUEST to Ally and any and all parties involved with the contract and ask Consumer Financial Protection Bureau to act as witness to this claim a possible criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: IL

Complaint narrative:
I discovered multiple items on my credit report that were reported without my consent. I never authorized Experian or any other party to report this information, and some accounts appear to reflect debts that are either inaccurate, missing proper verification, or reported by debt XXXX without validation. Specifically, accounts such as XXXX require investigation and deletion if validation can not be provided. Several debt collector accounts, including XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX, have been reported without proper verification of the alleged debts. Under 15 USC 1692g, these debts must be validated, including providing original contracts, signed applications, or notarized agreements authorizing collection. Collection activity should cease until verification is provided, and any unverifiable items must be deleted. I am disputing these items and requesting that all inaccurate or unverified accounts be investigated, corrected, or removed from my credit report.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I attempted to pull my credit file and was unable to. I renting through baselane and I'm unable to receive boosters or rent an apartment I was told I don't have a credit score. However I have a credit union that's having the same issue. XXXX IS my current employer and I they to are having trouble verifying my accounts. 

I need this fixed as this is causing trouble with renting apartments, homes credit card applications and obtaining employment.

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 2025-12-27 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: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
FEDERAL STUDENT AID REPORTED THAT I AM 90 DAYS LATE KNOWING THAT MY ACCOUNT IS IN FORBEARANCE AND THAT I MADE A FORMAL COMPLAINT TO THE CFPB IN XX/XX/year> REGARDING THE ERRONEOUS BALANCE WHICH THEY NEVER RESPONDED TO. THEIR ERROR IN REPORTING MY ACCOUNT LATE HAS CAUSED MY CREDIT SCORE TO PLUMMET XXXX POINTS WHICH MAY CAUSE ME TO LOSE MY HOUSE FOR FAILURE TO BE ABLE TO REFINANCE AND GET CRITICAL REPAIRS DONE TO MY HOME.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-27 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: MI

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report related to an alleged debt. I request that the reporting agency provide a debt validation letter as prescribed under the Fair Debt Collection Practices Act. I kindly request that upon reviewing this dispute, the CFPB take action to investigate this matter and facilitate the removal of this false information from my credit report. Additionally, I believe that the information reported is inaccurate and does not reflect my true credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: EQUIFAX, INC.
State: WI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
b'For over a year, I have sent multiple letters to the XXXX XXXX XXXX and all three credit reporting agencies disputing ownership of this account, as well as asking for proof of ownership, 1099 forms, and investigation verification after I noticed the following issues with this account, but most importantly, verification of the account:\n\nCharge-Off Status: As of the current reporting date XXXX XXXX XXXX, the account is shown as "Charge-Off," despite the balance being reported as $XXXX. This charge-off status does not accurately reflect the actual activity or current status of my account. I believe that this is an error that has impacted my credit and financial standing.\n\nTransfer or Sale of Account: The account has been reported as transferred or sold to another entity, namely XXXX XXXX XXXX XXXX, to which I was not adequately notified. I have not received any correspondence explaining the transfer or sale, nor have I received information on how it affects my obligations or my credit history.\n\nLack of Information Regarding Account Status: There is a lack of transparency in the reported dates of last activity and the terms of the account. I am requesting clarification on the terms, charges, and transactions related to this account, especially considering the charge-off status.\n\nMultiple letters to XXXX XXXX XXXX and all three credit reporting agencies as only resulted in multiple responses of the account being verified as being reported accurately.  Requests for additional information, including verification of the investigation process, have been continually ignored.\n\nCalling directly to the creditor has been pointless, as all representatives have asked me, "Are you ready to settle the account or set up a payment plan?"'

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 2025-12-27 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: SC

Complaint narrative:
b'For over a year, I have sent multiple letters to the XXXX XXXX XXXX  and all three credit reporting agencies disputing ownership of this account, as well as asking for proof of ownership, 1099 forms, and investigation verification after I noticed the following issues with this account, but most importantly, verification of the account:\n\nCharge-Off Status: As of the current reporting date (XXXX XXXX XXXX), the account is shown as "Charge-Off," despite the balance being reported as XXXX. This charge-off status does not accurately reflect the actual activity or current status of my account. I believe that this is an error that has impacted my credit and financial standing.\n\nTransfer or Sale of Account: The account has been reported as transferred or sold to another entity, namely XXXX XXXX XXXX XXXX, to which I was not adequately notified. I have not received any correspondence explaining the transfer or sale, nor have I received information on how it affects my obligations or my credit history.\n\nLack of Information Regarding Account Status: There is a lack of transparency in the reported dates of last activity and the terms of the account. I am requesting clarification on the terms, charges, and transactions related to this account, especially considering the charge-off status.\n\nMultiple letters to XXXX XXXX XXXX  and all three credit reporting agencies as only resulted in multiple responses of the account being verified as being reported accurately.  Requests for additional information, including verification of the investigation process, have been continually ignored.\n\nCalling directly to the creditor has been pointless, as all representatives have asked me, "Are you ready to settle the account or set up a payment plan?"'

Company response to consumer: Closed with non-monetary relief