vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONRAD CREDIT CORPORATION
State: WA

Complaint narrative:
I've got the mail last month from Conrad Credit Corporation in XXXX CA ; and the letter anounce about the {$690.00} debt collector. I've called them and asked about it that I've never got from any banks in CA, and I'm living in WA. Someone answered my phone and said my calling will be transfered to XXXX. After longtime in waiting, she said the supervisor is busy and she hangup the phone. 
XX/XX/year> I got another mail with same content about my debt that I've never owned or made. 
Please take an investigation about this company as well as my case. 
It's 100 % scam. 

Thank you so much, and I appreciate it. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Car was deemed charged off with {$0.00} balance after vehicle was picked up to be serviced, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 year later the vehicle was added back on my credit report by MIDLAND CREDIT MANAGEMENT I have No contract or authorization with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: NE

Complaint narrative:
I used my pay advance. I pay them back on time monthly. When I have XXXX they stall my Access availability day by day with my pay but when I'm working those same funds come available immediately. And I think they are discriminating against the fact that I have XXXX because when Im working they let me access fully but they took my payment yesterday and then my my pay wasn't available again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have AMEX XXXX XXXX Credit card since XXXX. It was shocking and an embarrassment when AMEX declined a {$200.00} charge on my credit card on XX/XX/XXXX. I had a credit balance of {$7600.00} and till today have the same balance. AMEX cited reasons that my AMEX business credit card is linked to my personal profile and that my credit card payment was late and hence blocked my personal credit card usage. Not only have they blocked my personal credit card, they have damaged my personal credit rating which I have worked so hard to maintain. My business is a XXXX not an XXXX  oXXXX XXXX and

we are still in business. Although I may be the personal guarantor AMEX can not be blocking my personal card when the business is still alive. What AMEX is doing in my opinion is unfair and unjust. I keep my personal and business expenses separate and I have maintained a good personal record with AMEX for over 16 years. I called AMEX customer service on XX/XX/XXXX right after they declined my charge and the customer service representative XXXX told me that a Manager would call within 3-days and I am yet to hear from AMEX. AMEX is charging my business credit card a whopping 29 % and we have requested them to lower that but they have said that they can not do it for another 1 year. I have other personal credit cards I am using and they have not done this to me. It is high time companies such as AMEX start doing right by the customer.

AMEX is doing damage to my personal credit rating for no reason. I would like AMEX to delink my personal credit card from my business credit card and not ruin my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I made a {$140.00} payment from my regular XXXX XXXX  account on XX/XX/year> and the available credit was immediately held, sure okay fine.

Week later I contacted their customer service via " chat '' on my XXXX. A rep told me that the available credit would be ready to use as of XX/XX/year>. On the XXXX it was not available. I contacted them again about this and their response was " Sir it should be available by the end of the day. '' My reply? " Great! '' Next day on XX/XX/year> it was NOT available. I contacted again and was advised that the previous two reps LIED to me and that it was not being made available because I have disputes on my account. ( I had around {$410.00} in fraud on the card ).

Here we are on XX/XX/year> ( 14 days post payment ) and no credit is available. This has caused me many difficulties as I have merchants using this card as my default payment method such as XXXX and I have suffered harm now that the card declines when I lied to by XXXX XXXX customer service ( dba : XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer 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 2025-08-27 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: CA

Complaint narrative:
I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The following accounts in question are : XXXX XXXX Late Date XXXX. XXXX XXXX XXXX XXXX XXXX Late Dates XX/XX/XXXX ; XXXX. XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX. XXXX ; XX/XX/XXXX XXXX XXXX XXXX Late XXXX XXXX. XXXX. This late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I i just noticed about a month ago I thought I was going through some transactions that on XXXX XX/XX/XXXX XXXX XXXX  for XXXX from a XXXX  account i supposedly received my tax return which was filed by someone I was rooming with who moved and I have reason to believe took my belongings phone wallet etc I also see a transfer of XXXX dollars to a checking account card ending in XXXX XXXX XX/XX/XXXX XXXX XXXX amongst each other which i didn't know because I had to verify I'd me with irs after I got out from a month of incarceration which i ordered another chime card and wait on it while transactions where taking place without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I demand that late charge for my mortgage company removed immediately. I have received the proper documents and would like to apply PAANL. 

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 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 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 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 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 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 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 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 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 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 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 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 2025-08-27 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: TX

Complaint narrative:
I am writing to formally dispute and request the removal of inaccurate and unauthorized information currently reported on my credit file. I am attaching FTC Report # XXXX as supporting documentation. 
Upon reviewing my credit report, I have identified several inaccuracies that I believe are impacting my creditworthiness. These inaccuracies may be due to errors or confusion with my personal information, and I am requesting a thorough investigation of the following items. I ask that these items be fully reviewed and removed from my credit report if they can not be verified as accurate. 
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 XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Balance : {$710.00} CREDIT COLL Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}

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 2025-08-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute and request the removal of inaccurate and unauthorized information currently reported on my credit file. I am attaching FTC Report # XXXX as supporting documentation. 
Upon reviewing my credit report, I have identified several inaccuracies that I believe are impacting my creditworthiness. These inaccuracies may be due to errors or confusion with my personal information, and I am requesting a thorough investigation of the following items. I ask that these items be fully reviewed and removed from my credit report if they can not be verified as accurate. 
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 XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Balance : {$710.00} CREDIT COLL Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: John C. Heath, Attorney at Law, PLLC
State: TN

Complaint narrative:
I XXXX XXXX received a call from XXXX lawfirm between the year XXXX stating they were an attorney and wanted to consolidate my debts which Included my student loans I sent them payments thinking they were doing what they said I never received paper work when I asked for them to send me a print out of my transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding my mortgage with New American Funding. I have been a borrower for approximately ten years and have paid XXXX XXXXXXXX/month in private mortgage insurance ( PMI ), totaling close to {$60000.00}.

My current loan balance is approximately {$640000.00}, and my home is valued at {$850000.00} based on a recent independent appraisal I paid for ( ~ {$400.00} ). This places my loan-to-value ratio at about 75 %, well under the 80 % threshold required under the Homeowners Protection Act for borrower-requested PMI cancellation.

I submitted a written request for PMI removal with the appraisal included. Despite meeting the equity requirements, my request was denied solely because of a payment arrangement I entered into in XXXX after the passing of my father. I had to fly internationally and cover funeral expenses, and New American Funding agreed to place me on a short-term payment arrangement for three to four months. Importantly : I have not missed a mortgage payment in nearly two years.

During the arrangement, I continued paying the loan ; the account was never abandoned or unpaid.

This was a lender-approved hardship accommodation, not a delinquency.

Despite this, New American Funding is treating the arrangement as though it constitutes a late payment under the good payment history requirement of the Homeowners Protection Act. I believe this interpretation is unfair and contrary to the spirit of the law, which is designed to protect borrowers once they have reached sufficient equity.

Requested Resolution : Immediate review and reconsideration of my PMI cancellation request.

Confirmation that my payment arrangement does not disqualify me from good payment history since no payments were missed and the arrangement was approved by the lender.

Refund of excess PMI charges if the cancellation should have been granted when my loan reached the required loan-to-value threshold.

I am requesting the CFPBs assistance to ensure this matter is handled fairly and in compliance with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: MD

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer 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 2025-08-27 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: TX

Complaint narrative:
I am filing a complaint to dispute inaccurate and unverifiable information appearing on my credit report. Upon reviewing my report, I noticed that a XXXX XXXX XXXX account is listed as charged-off with a balance of {$12000.00}. Because this debt exceeds {$600.00}, federal law requires that the creditor issue an IRS Form 1099-C to report canceled debt. I have not received any such documentation, and therefore this account can not be verified. Reporting this charge-off without proper verification is inaccurate, misleading, and is negatively affecting my credit profile. I request that this account be removed immediately from my credit file. 
Additionally, my report contains multiple inquiries that I did not authorize. These inquiries include XXXX XXXX XXXX  dated XX/XX/XXXX, XXXX CARD dated XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, and XXXX XXXX dated XX/XX/XXXX. Under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), all inquiries must have a permissible purpose, and under FCRA 619 15 U.S.C. 1681q, reporting inquiries without my consent is prohibited. These unauthorized inquiries must be 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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
On XX/XX/year> - merchant by name of XXXX  XXXX auth my debit card in the amt. {$340.00} the merchant over charge me and it got posted with my bank on XX/XX/year> so I disputed with the merchant. The merchant said they have refunded back my money since Thursday XX/XX/year> it has been approximately overly five business days already if we included this Saturday and I still havent gone yet we get my money refunded back or return it to me. The merchant return it back on the form that was taken now on that date, which was under my old debit card that this bank decided to cancel my card from some random, who wasnt even certified to handle these type of customer service call didnt even tell me she canceled my debit card that worked in the XXXX  call center once again you putting all your job outside United States those individual respectfully do not have any understanding of English grammar in the United States and they are doing things behind my back. Cancel my card and run re-order me a new card just because another situation does not related to this because I disputed some other darn transactions and you didnt even care to give me back my money does multiple complaints I have for this bank. This is very unprofessional and then you have some random guy who called me and he basically supposedly to be an advocate for the bank. What the heck man fix this problem I keep telling this bank and I dont know why they are getting away with these thing. I want my money back and the merchant already refunded back my money look at the receipt. I want my money back and I want them to return my money and I made a dispute on two other transactions earlier at prior to this matter and this bank refuses to work with me. What a joke.for a consumer like me very unprofessional.

Company response to consumer: Closed with monetary relief