vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: MD

Complaint narrative:
I am disputing the XXXX XXXX XXXX  charge-off account and XXXX a collection that Experian and TransUnion continue to report as verified. XXXX  has already deleted this account after their investigation, proving the information is inaccurate and inconsistent across the credit bureaus. I have attached proof of XXXX deletion for your review. Under FCRA 607 ( b ) and 611,

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
am submitting this complaint regarding the continued inaccurate reporting on my credit files by TransUnion, XXXX, and Equifax, which is directly harming my ability to expand my business and access necessary financing. Due to these incorrect and unverifiable entries, my credit profile has been negatively impacted, resulting in : Denials or limitations of business credit and financing Increased interest rates on existing or potential loans Direct interference with my business growth and economic opportunities This harm violates several provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 602 ( 15 U.S.C. 1681 ) Consumers have the right to fair and accurate credit reporting. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Bureaus must maintain maximum possible accuracy. FCRA 611 ( 15 U.S.C. 1681i ) Disputed information must be reasonably reinvestigated and corrected. I have disputed these inaccuracies with each credit reporting agency, yet the erroneous accounts remain and continue to cause financial harm to both my personal and business credit standing. I request that the CFPB investigate this matter, compel the credit reporting agencies to fully comply with the FCRA, and require the prompt correction or deletion of the inaccurate information so that I may move forward with my business expansion without undue damage to my 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 non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
Hi.. 

Pls help to cancel the payment to XXXX on XX/XX/XXXX as attached, as I never had chance of using it and at the same time XXXX has been charging me 3 .. 4 times already since XXXX XXXX, 2025. 
I require for immediately Match transaction STOP and a REFUND of all Match relating service fees charge which I never be able to use and I have been charged for the last few months. 
Note that they have been charge me for almost XXXX vnd up to date since XXXX XXXX, pls check my monthly statement. 
As if further stronger action needs to be taken such as close my account temporarely while doing your investigation for the refund or so, pls let me know. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: DISCOVER BANK
State: NY

Complaint narrative:
Is approved new credit card without my authority and make me pay deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
This is my third CFPB complaint regarding this account, and XXXX continues to provide incomplete and evasive responses. 

My federal student loan was originally taken out with a different school which was later sold to XXXX XXXX XXXX XXXX, a separate entity I never enrolled in, never signed with, and had no knowledge of. The obligation was transferred without my consent, constituting an unlawful novation.

A novation under contract law ( UCC Article 3 ) requires the explicit agreement of all parties including the borrower. No such agreement was ever made or presented to me. 

Despite filing a XXXX XXXX  application outlining this contractual breach, I was denied with no explanation that addressed the novation issue. XXXX has ignored the legal basis of my claim and continues to report the loan inaccurately, damaging my credit and blocking my right to remedy. 

I am formally demanding : A copy of the original promissory note and school contract Proof of novation, with my signature or consent Immediate investigation and removal of this debt based on the voided contractual link I am including both XXXX  and the Department of Education in this complaint due to their shared responsibility in administrating, transferring, and servicing this loan without proper legal basis.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-16 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: IL

Complaint narrative:
I am writing in response to your communication dated [ insert date of notice, if applicable ] regarding an alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt. This letter is sent within the 30-day period allowed under the FDCPA to dispute the debt and request verification.

Please provide the following information to validate the debt : 1. The name and address of the original creditor.

2. The amount of the debt, including a breakdown of any fees, interest, or other charges added to the original balance.

3. Documentation proving that I am legally obligated to pay this debt, such as a signed contract or agreement.

4. Proof that your agency is authorized to collect this debt, including any agreement with the original creditor or documentation of your ownership of the debt.

5. A detailed account history, showing how the debt was calculated and any payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
I am formally requesting the following documentation as required by law to properly validate the alleged debt : A complete chain of title/chain of custody from the original creditor to Spring Oaks Capital LLC , including all intermediate assignments. 

The XXXX XXXX XXXX or equivalent agreement governing the sale or transfer of the account. 

An executed Contract of Assignment or Bill of Sale demonstrating that Spring Oaks Capital LLC acquired full legal rights to enforce the account. 

The original signed credit agreement and complete account-level documentation substantiating the amount and terms of the alleged obligation. 

This request is supported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which held that failure to produce the chain of title and purchase agreements constitutes insufficient validation under federal law. The court specifically clarified that a mere data printout or internal record does not satisfy validation requirements ; proper documentation of assignment and ownership is mandatory. 

If these documents are not provided through this CFPB process and Spring Oaks Capital LLC continues to report this account to credit bureaus or engage in collection efforts, such conduct will constitute willful violations of the FDCPA and FCRA. 

This serves as my final notice and intent to initiate litigation in federal court for all applicable claims if full compliance with the law is not achieved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
XXXXXXXX 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

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 2025-08-17 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: GA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX Account # XXXX To Whom It May Concern, I am filing this complaint to dispute the reporting of an account being furnished by XXXX XXXX XXXX, XXXX under Account Number XXXX. 
This account is reported as a rental debt. I have already submitted a validation request directly to XXXX XXXX. The company has failed to provide any of the legally required documentation under the Fair Debt Collection Practices Act ( FDCPA 809 ) and Fair Credit Reporting Act ( FCRA 1681i & 1681s-2 ), including : A signed lease agreement, A complete rental ledger/accounting, Move-out inspection reports and itemized damages, Proof of assignment or legal right to collect. 
Furthermore, the CFPB closed my initial complaint against XXXX XXXX  and forwarded it to the FTC, which indicates that the furnisher is not responsive to consumer protection oversight. This further demonstrates that the account is unverifiable, inaccurate, and incomplete under FCRA standards.

Requested Fair Resolution : I request the permanent deletion of this account from my credit file with all three credit reporting agencies ( Experian, Equifax, TransUnion ) and written confirmation that no further reporting or collection activity will occur. 
This furnisher has failed to validate, and continued reporting constitutes willful noncompliance with federal law. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Phone : 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 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
From XX/XX/year>, the company continues to text my personal cellular device without my consent, violated my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: NY

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

1. XXXX Reported : XXXX. XXXX, XXXX {$21000.00} 2. XXXX XXXX  Reported : XXXX XXXX, XXXX {$700.00} 3. XXXX / XXXX Reported : XXXX. XXXX, XXXX {$1200.00} Hard Inquires 1. XXXX Inquiry : XXXX XXXX, XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

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 2025-08-16 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information appearing on my TransUnion credit file regarding the following account : Creditor : XXXX Account Number : XXXXXXXX XXXX XXXX Condition : Paid Responsibility : Individual Current Balance : {$0.00} Original Balance : {$0.00} Limit : XXXX XXXX  Monthly Payment : {$0.00} Last Payment : XX/XX/XXXX   Status : Collection / Charge-Off Remarks : Payment after charge-off/collection | Dispute resolved; consumer disagrees, account closed by consumer This account is being reported as a collection/charge-off, even though the balance is {$0.00} and the condition clearly shows as Paid. This is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to report only information that is complete and accurate. 

Additionally, per Metro 2 reporting standards ( the standard format for credit reporting set by the XXXX XXXX XXXX XXXX ), once an account has been paid in full and carries a {$0.00} balance, it must not continue to be reported as a collection or charge-off. Instead, it should be updated to reflect a Paid/Closed {$0.00} Balance status without derogatory remarks. 
The continued reporting of this account as a charge-off, despite being paid, is a violation of the FCRAs accuracy provisions and misrepresents my credit history.

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 2025-08-16 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information appearing on my TransUnion credit file regarding the following account : Creditor : XXXX Account Number : XXXXXXXX XXXX XXXX Condition : Paid Responsibility : Individual Current Balance : {$0.00} Original Balance : {$0.00} Limit : XXXX XXXX  Monthly Payment : {$0.00} Last Payment : XX/XX/XXXX   Status : Collection / Charge-Off Remarks : Payment after charge-off/collection | Dispute resolved; consumer disagrees, account closed by consumer This account is being reported as a collection/charge-off, even though the balance is {$0.00} and the condition clearly shows as Paid. This is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to report only information that is complete and accurate. 

Additionally, per Metro 2 reporting standards ( the standard format for credit reporting set by the XXXX XXXX XXXX XXXX ), once an account has been paid in full and carries a {$0.00} balance, it must not continue to be reported as a collection or charge-off. Instead, it should be updated to reflect a Paid/Closed {$0.00} Balance status without derogatory remarks. 
The continued reporting of this account as a charge-off, despite being paid, is a violation of the FCRAs accuracy provisions and misrepresents my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: LA

Complaint narrative:
To Whom It May Concern : I, XXXX XXXX, submit this formal complaint against XXXX XXXX  ( furnisher ) and Experian ( consumer reporting agency ) for the unlawful and inaccurate reporting of late payments on a closed XXXX account, and for their failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Facts I recently obtained my Experian consumer disclosure and observed multiple late payment notations being reported on a XXXX account that has been closed. 

I have never received any Negative Information Notice from XXXX as required by 15 U.S.C. 1681s-2 ( a ) ( 7 ), which obligates furnishers to notify consumers before or within 30 days of furnishing negative information. 

To date, XXXX has not produced proof of compliance with this statutory requirement, and Experian continues to publish damaging negative information without proper verification. 

Legal Violations 15 U.S.C. 1681s-2 ( a ) ( 7 ) Failure to provide required Negative Information Notice.

15 U.S.C. 1681e ( b ) Experian failed to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i Failure to properly reinvestigate disputed information.

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) CRAs must do more than parrot the furnishers claims ; they must conduct an independent investigation. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Willful failure to follow reasonable procedures creates liability.

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 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
Platform holding funds after declined, failed or cancelled transactions for unreasonably long periods of time, blaming merchants in all situations and conditions. After few disputed transactions platform cancelled the debit card without notice and made it impossible to order new one by inserting error message into the app. Customer support provides no support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In XXXX, I requested a {$4000.00} balance transfer through the Bank of America app to help pay off my balance with XXXX XXXX. I received a fraud text message and at the same time I realized that I accidentally entered in my old XXXX  account number ( but the number had been updated ). Since the balance transfer had not yet gone through due to the fraud hold, I called BOA and asked them to cancel the first balance transfer request that used the old XXXX account number. And I asked them to initiate a new balance transfer to XXXX using the current XXXX account number. The woman on the phone that I spoke with confirmed that the the initial request was cancelled, that not transfer to that old account number would go through, and that the second request was processed. However, about XXXX weeks later when I was reviewing my bank statement and realized that BoA did the balance transfer twice, so they made XXXX transfers to XXXX ( {$4000.00} to the old XXXX  account number plus a {$160.00} balance transfer fee, and a second balance transfer of {$4000.00} to the new discover account number plus a {$160.00} balance transfer fee ). I called BOA and explained that I had confirmation from when I called XXXX weeks prior and made the live call, their customer service agent had confirmed they had cancelled the first balance request. They told me that since the deposit had already gone through to XXXX, that I should request the refund from XXXX. However, I asked Bank of America to refund the {$160.00} transfer fee since it was their mistake they did not cancel the first balance transfer as I had requested. The customer service agent said he would put in a request for the {$160.00} refund and it would be evaluated. XXXX  days later I received an email that my request for the {$160.00} fee refund was denied and binding. I don't understand why I am being charged the transfer fee when it was their mistake that they didn't cancel the first balance transfer request that I had previously confirmed with them that it was cancelled. Can you please 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 monetary relief