vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
What happened? 

Apples system design is interfering with my ability to communicate with my AI assistant, ChatGPT, which theyve allowed on their platform through the XXXX and XXXX ecosystems. However, they failed to provide any clear separation or integration plan between XXXX and XXXX. This creates severe usability breakdowns. 

For example, while using XXXX voice mode on my XXXX, XXXX allows spam or unwanted phone calls to come through without any functional block, and the phone forcibly hijacks the audio stream. I lose connection, and my voice assistant loses context permanently. This has happened multiple times during high-value, long-form conversations with ChatGPT. 

The problem is made worse by XXXX implementation of XXXX XXXX. Even if I dont answer the call, the system intercepts the audio session for transcription, once again disconnecting me from XXXX. XXXX, meanwhile, is completely unavailable to help with any proactive call handling, and can not stop the disruption either. 

Apples flawed call-handling behavior coupled with its restrictive AI control policies undermines legitimate use of third-party voice AI. By incorporating XXXX into their ecosystem, theyve invited this relationship yet their system is actively hostile to the continuity it requires. 

This violates user expectations of autonomy, call filtering, and session reliability and it degrades accessibility for users who depend on uninterrupted, real-time AI support.

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 2025-12-02 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain inaccuracies and request corrections related to my credit report. The accounts listed below are inaccurate or improperly reported, and I request a thorough investigation and correction in compliance with the Fair Credit Reporting Act ( FCRA ). 

INQUIRIES : Account Name : XXXX XXXX XXXX Date : XX/XX/year> Account Name : XXXX Date : XX/XX/year> Account Name : XXXX XXXX  Date : XX/XX/year>

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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Money has been transferred between XXXX bank accounts I own, Bank A ( XXXX XXXX XXXX XXXX ) and Bank XXXX ( Truist ). 
A payment was missed by Truist for not accurately showing balance after confirming transfer has completed. Transfer happened on XX/XX/year>, payment was denied/ returned on XX/XX/year> for a vehicle loan company called XXXX XXXX XXXX 
I also have unwanted phoned numbers that I did not add trying to confirm that its me when its not. 
In the XXXX XXXX XXXX XXXX, I have been charged with overdraft fees when there was a positive a balance. 
Both accounts from both banks have been compromised for years now. 
Neither bank has offered help. These continuing problems with transactions has denied my ability to pay both these outstanding balances and others from other banks such as XXXX XXXX XXXXXXXX. I have reported identity theft before to proper authorities but they have not helped either.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have encountered difficulties accessing my Equifax AND Experian account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
This company did not have permissible purpose to access my credit report. I did not apply for credit with them, nor did I provide written or electronic authorization. This inquiry is fraudulent and must be removed under FCRA 604.

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 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: MA

Complaint narrative:
The interest rate is significantly too high being 509.37 % which makes it hard to pay back.

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 2025-12-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/year>, Experian initiated 17 disputes on my credit report that I did not request. I have not authorized any of these disputes. These actions occurred after I had already filed a CFPB complaint regarding previous issues with Experians handling of my credit report. I am submitting this to notify the company of these new unauthorized disputes and request clarification on why they were opened.

These 17 disputes are still open and processing through their system, even though I never initiated or consented to any of them. None of this activity was requested by me in any form.

I am reporting this activity because these unauthorized disputes affect my credit report and were initiated entirely by Experian without my involvement or consent.

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 2025-12-02 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: TX

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not assured to be maximally accurate. These errors are severely impacting me and continuing to cause significant negative effects that you can not fully comprehend. These are challenging times, and correcting or removing these inaccuracies is essential.

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 2025-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Columbia Debt Recovery LLC, DBA Genesis is attempting to collect on an alleged debt after failing to provide the information requested via email on XX/XX/year>. Columbia Debt Recovery LLC, DBA Genesis has also caused an injury to my estate by damaging the reputation of my credit worthiness by sharing my information with various consumer reporting agencies and rental agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
I am filing this complaint because my credit report contains multiple inaccurate, unauthorized, and unverified items that the credit reporting agency has failed to properly validate or remove.

1.Unauthorized Hard Inquiries My credit report shows two hard inquiries from XXXX XXXX  XXXX dated XX/XX/XXXX and XX/XX/XXXX ) and one hard inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX ). I did not apply for credit with these companies, did not authorize them to access my credit report, and have never had any accounts or dealings with them. These inquiries were made without permissible purpose under the Fair Credit Reporting Act. I disputed these inquiries, but they remain on my report without verification.

2.Unverified Medical and Collection Accounts My credit report also contains four collection accounts that are inaccurate and unverified. 

A. A medical collection from XXXX XXXX XXXX  for XXXX XXXX XXXX  XXXX, reported XX/XX/XXXX with a balance of {$2800.00}. I have never received any itemized bill, notice of collection, or validation proving that I owe this amount. 

B. A second medical-related collection account previously appearing on my report. I have not received any billing, notice, or documentation proving this account is mine.

C. A collection account opened on XX/XX/XXXX showing {$180.00} past due as of XX/XX/XXXX. I never received any notice or explanation for this account and have no documentation linking me to this debt.

D. A collection account opened on XX/XX/XXXX showing {$150.00} past due as of XX/XX/XXXX. I did not receive any communication, itemized bill, or verification showing that I owe this debt. 

For all four of these collection accounts, no documentation required under the FCRA or CFPB medical debt reporting rules has been provided. None of these debts have been validated or itemized, and no proof of responsibility has been shown.

3.Harm and Requested Resolution These unauthorized inquiries and unverified collection accounts are harming my credit. I am requesting that the CFPB require the credit bureau and the companies involved to provide full documentation proving authorization for each hard inquiry and full validation for all XXXX collection accounts. Any item that can not be verified with proper documentation should be removed immediately as required under the FCRA.

Provide documentation proving authorization for each hard inquiry Provide complete validation for both medical collections Remove any item that can not be fully verified with proper documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I m a XXXX from XXXX. 
I send money through western union to my XXXXXXXX XXXX XXXX account. But I havent received any money. 

| Tracking Number ( XXXX  ) | | XXXX| Please help me. 
I need my money in my account as soon as possible. 
Its very urgent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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 see that accounts that should not be on my credit report are still there and nothing has been removed. I am pleading that the documents I have sent be examined carefully so I can finally have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge 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: DISCOVER BANK
State: CA

Complaint narrative:
I purchased an item on XXXX. I was scammed. I called multiple times to warn them about the scam ahead of time ( before " delivery '' ). The scam works by having a tracking number ( generated in Texas though it was supposed to ship from XXXX ) created and then shown delivered in my zip code. The item is delivered to a address in my zip code but not to my address. XXXX sided with the seller without calling XXXX or XXXX to verify it was delivered to my address. I disputed the transaction with Discover Card and they did not contact XXXX or XXXX ( I called both and both confirmed that the tracking number delivered to a different address and not my address and both said XXXX and or discover needed to call them ). XXXX and XXXX could only confirm that my item was not shipped to my address but could not give me documentation for reasons I don't understand. I have called everyone ( XXXX, XXXX, Discover, XXXX, FTC, local XXXX, etc. ) No one is calling one another to confirm that my tracking number XXXX was not delivered to my address : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
So, I have no choice but to seek help. The sum of money is significant and has put me in a financial bind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union exercised an illegal set-off. They seized funds that were subject to a superior court-ordered XXXX XXXX XXXX. I'm a XXXX veteran who's been financially struggling since XX/XX/XXXX when the VA cut my pension and spiraled an economic crisis, even though my pay was restored on XX/XX/XXXX I did not received back pay for that whole time so I'm still dealing with the aftermath of that crisis, I informed NFCU about my financial crisis and they knew but kept harassing me even though I told them that I was filing for bankruptcy. I was part of a class action suit that will provide some relieve in the way that it was going to pay for my child support debt and on XX/XX/XXXX I told the judge that I was expecting that money and I will be able to pay my debt, so the Judge put a lien in order to pay the child support, however on XX/XX/XXXX the bank took the money and ignore the court order to pay the child support. Since instances like this where I receive money and it goes straight to child support I didn't even questioned the transaction at the time, it wasn't until my daughter emancipated that I was informed that the funds I though that was took from my account to pay them was not paid. I need help making things right as of right now my license is going to be suspended and possible court hearings will follow suit all because the greedy bank ignore the court and self serve themselves

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-12-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am reporting an unauthorized credit inquiry on my credit report, made without my knowledge or consent. I had no dealings with this company and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
An unauthorized inquiry to be removed : [ XXXX XXXXXXXX XXXX XXXXXXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: Southern Management Systems Inc.
State: TX

Complaint narrative:
A debt is being reported under my name ( XXXX XXXX XXXX XXXX ) as an apartment collection, but I am NOT responsible for this debt. The debt collector is reporting that I owe money for an apartment lease, but I never signed the lease, I was never a co-signer, and I am not legally associated with the contract. 

I have requested validation from the collector, and they are unable to provide : A lease signed by me A co-signer agreement signed by me Any document with my signature Any evidence that I authorized or agreed to this debt This violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Texas contract law requires a valid signature to create financial liability. My name only appears as a reference contact, but my signature does not appear anywhere in the lease. 

The actual lease only contains : Signature of the tenant : XXXX XXXX XXXX of the owners representative : XXXX XXXX XXXX, the lease includes a Guarantor Waiver Addendum, meaning a co-signer was not required and was not used. Therefore, I can not legally be considered financially responsible for this lease. 

Because of this incorrect reporting, my current rental application has been denied. This incorrect apartment debt is causing housing discrimination and financial harm. I request that this debt be immediately : 1. Marked as disputed 2. Removed from all credit reports 3. Corrected with all bureaus 4. Cease all collection attempts unless they provide a signed contract, which does not exist This is an inaccurate and unlawful debt, and I am requesting CFPB assistance to resolve this immediately.

Company response to consumer: Closed with explanation