vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX was closed in person on XX/XX/2025. 
I paid the {$50.00} closure fee in cash and received the final balance in cash the same day. 
That cash payout is FINAL under UCC 3-418 and 4-215.

There is zero debt.You have since illegally posted {$2000.00} and {$65.00} to a closed account that is a direct violation of Regulation E 1005.11 ( c ) ( 2 ).

The negative balance you see does not exist it is manufactured. To send this to collections or report to ChexSystems is a {$0.00} debt is a violation of FDCPA 807 and FCRA 1681s-2 ( b ) {$1000.00} statutory damages per violation.I There is no debt. You owe me {$3000.00} by cashiers check. 

You have Illegally re open a closed account And broke multiple consumer protection laws. 

You overdrafted my account by amount of my final cash payment, furthermore you illegally credited a dispute to a closed account, and illegally re open a closed account, and illegally reported me to collections

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 2025-12-08 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: LA

Complaint narrative:
I obtained a full copy of my Equifax consumer credit report and identified a serious reporting violation involving the duplicate and improperly re-aged reporting of the same debt by two separate furnishers. 

Equifax is reporting a charged-off credit card account originally furnished by XXXX XXXX XXXX XXXX  ( also known as XXXX XXXX XXXX XXXX ) with a date of first delinquency of XX/XX/XXXX and a charged-off balance of {$140.00}. That same exact debt is also being separately reported by the debt buyer XXXX XXXX XXXX for the same {$140.00} balance. 

This constitutes unlawful duplicate reporting of the same obligation, resulting in double scoring damage for a single debt. Additionally, the XXXX XXXX account reflects recent reporting activity in XXXX, which constitutes illegal re-aging of a debt that legally dates back to XXXX. A debt buyer is not permitted under the Fair Credit Reporting Act to reset or extend the original delinquency date of a charged-off account. 

Because the original creditor and the debt buyer are both reporting a balance for the same account, at least one of these tradelines is necessarily inaccurate. Equifax has a statutory duty under 15 U.S.C. 1681e ( b ) and 1681i to ensure maximum possible accuracy and to conduct a reasonable reinvestigation when disputed. Continuing to publish two active negative tradelines for the same debt is misleading and materially harmful to my credit profile. 

I previously disputed this same violation with XXXX, and Experian deleted the account after reinvestigation, confirming that the reporting could not be properly verified. Despite this, Equifax has continued to report both tradelines. 

I am requesting that Equifax immediately conduct a lawful reinvestigation, require full procedural verification from both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, and delete any tradeline that can not be verified as complete, accurate, and legally reportable under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
The first week of XXXX XXXX.I applied for a personal loan in the amount of {$2500.00} dollars.Unsecured loan.I was denied with a credit score of XXXX with XXXX reporting.I then asked about a secured loan against my personal loan that offer was accepted on the condition, I removed my POD from my accountant once the loan was paid I could put my POD back on my banking account.I DID NOT agree to that offer.The reasoning I feel like I am being discriminating against because in XX/XX/year>, of this year I applied for an home equity loan at Regions bank.I asked to borrow {$100000.00} but was approved for $ XXXX.The amount of {$55000.00} I was only going to get {$8000.00} after Regions bank decided to appropriate the funds, to pay off my bills and l got what was left which was {$8000.00} dollars.I DID NOT ACCEPT THIS OFFER.If I was approved for {$55000.00} dollars and if I had accepted that amount, which I DID NOT APPLY or ACCEPT that amount.Why is Regions allowed to appropriate funds I was approved for to appropriate the funds as Regions wanted to.I DID NOT ASK REGIONS TO PAY OFF MY BILLS, for funds from a HELOC loan I was approved for.I am a Preferred banker at Regions.I do not see how to be denied credit twice in the same year.Especially for an small personal loan as {$2500.00} dollars.I have been on my job at our XXXX XXXX XXXX for 41 years.I am an XXXX XXXX XXXX at my job.I am a person of XXXX, XXXX XXXX.I personally feel like I have been discriminated against.Regions emails are a deterrent and a run around.Regions asks me to call to give an explanation for my denial.I calls Region spoke with a Representative XXXX on XXXX XXXX at XXXXXXXX XXXX central time another poor excuse, she XXXX a Regions banker states she CAN NOT give me that kind of information on the phone.I will be contacting the Federal Trade Commission as well.This is discrimination pure/simple.My wife, only son we all have checking/savings account with Regions.

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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: FL

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Ameri Collect XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Re : Formal Request for Debt Validation Account Number : [ Insert Account Number ] To Whom It May Concern, I am formally requesting validation of the alleged debt referenced above, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

This is not a refusal to pay, but a request that you provide complete verification of the alleged debt before I take any further action. Until this information is provided, you must cease collection activities and remove any negative credit reporting related to this account.

Under federal law, please provide the following : 1. Proof that I am legally obligated to pay this debt, including A signed original contract or agreement Documentation showing the chain of ownership if the debt was sold 2. A full accounting breakdown, including : Original amount Interest, fees, and how they were calculated Payments applied 3. Proof that your agency is authorized to collect in my state, including : Your state license number Your registered agents address 4. A copy of the original creditors itemized statement showing how the balance was determined.

5. Verification that you have not reported inaccurate information to any credit reporting agency. If you have, please remove the account until the debt is fully validated.

If you can not fully validate this debt within 30 days, or if the requested documentation can not be produced, you must : Cease all collection activity, Delete this account from my credit reports, and Send written confirmation that the account has been permanently closed.

Please communicate in writing only.

I request that you send all responses to the address listed above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) accuracy and investigation requirements. 

Experian is reporting multiple accounts with : Incomplete payment history ND ( no data ) entries Inconsistent reporting patterns XXXX payments inserted without proper sequence Incorrect balances and unverifiable data XXXX. Experian is reporting incomplete payment history ( ND months ) Several accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for payment history. 
This results in : a broken payment timeline inaccurate risk assessment unverifiable late-payment reporting Incomplete data is considered inherently inaccurate under FCRA 602 & 623. 



XXXX. Experian accepted unverifiable late payments from furnishers The late payments reported do not follow a continuous timeline. 
Examples : Late XXXXXXXX XXXX XXXX XXXX XXXX  Missing months before and after alleged delinquencies This means the negative entries can not be verified. 



XXXX. Experian failed to conduct a reasonable investigation Despite previous disputes, the report still contains : the same inaccurate lates missing payment data inconsistent month-to-month reporting balance and usage discrepancies Experian simply reinserted the data as reported by the furnisher without : requesting documentation verifying account statements correcting missing months This violates FCRA 611 ( a ) : reasonable investigation.

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 2025-12-08 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: OH

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I had my XXXX account hacked which resulted in XXXX charges on my AVANT credit card on XX/XX/year> in the amounts of : {$15.00} {$15.00} {$50.00} {$100.00} {$100.00} XXXX DID CANCEL the transactions but to date AVANT has refused to credit my account for these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-08 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: VA

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-12-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
This complaint concerns SRMs actions after receiving my written debt validation request. SRM confirmed they received my dispute letter, yet they reported the collection to credit reporting agencies AFTER receiving the dispute. This violates FDCPA 1692g ( b ) and FCRA 1681s-2 ( a ), which require collectors to cease all collection efforts and reporting until validation is provided.

SRM did not send any written validation, did not respond to my letter, did not mark the account as in dispute, and furnished information during an active dispute. Their prior CFPB response ignored all of these violations and did not provide any validation or explanation regarding their reporting practices. 

I am requesting CFPB escalation specifically regarding the FDCPA/FCRA violations and the companys failure to respond to my written debt validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: AL

Complaint narrative:
I am filing this complaint because Experian is reporting information that is inaccurate and harming my credit. I am simply a consumer trying to fix my credit and I need these items properly investigated under the FCRA. 

CHARGED OFF ACCOUNT Inaccurate / Needs Verification XXXX, Account XXXX, Date Opened XX/XX/XXXX, Balance {$12000.00} This account is being reported with negative information that I do not believe is accurate. I am requesting full verification. If the furnisher can not provide complete proof, I request deletion under 15 U.S.C. 1681i. 

INQUIRIES Not Authorized/ Not Recognized XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me and I want them investigated and removed if they can not be properly verified.

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 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I have a debt with Goldman sacks via Apple Card. I am settling it with a third-party, and I called them to try to settle it with just them. 

They only gave me a few options, none of which were satisfactory given my financial situation at the moment. 

After trying to get more information from them, they just hung up on me. 

I was hoping to settle a credit card debt, but in the course of XXXX years. They gave me a XXXX month option, which I just can not do right now. After putting me on hold for XXXX minutes, transferring me to about XXXX different people, I still couldnt resolve it. 

The worst was that they just hung up on me at the end

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Someone stole my Nordstrom store card and used it while I was in hospitals between XXXX and XXXX.

Company response to consumer: Closed with explanation