vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: NATIONAL DEBT RELIEF LLC
State: TX

Complaint narrative:
I enrolled in a debt settlement program with National Debt Relief in XX/XX/year> to resolve three credit card debts. Since then, I have paid the company a total of {$13000.00} through biweekly withdrawals of {$200.00}. 

After more than XXXX years, only one debt was ever settled for {$1500.00}. The other two enrolled debts remain completely unsettled. 

Despite the lack of settlements, the company charged me : {$4000.00} in negotiation fees {$870.00} in monthly maintenance fees {$540.00} in legal fees ( XXXX XXXX ) {$330.00} in savings account fees ( XXXX ) {$67.00} in processing fees Under the FTC Telemarketing Sales Rule ( 16 CFR 310.4 ( a ) ( 5 ) ), a debt relief company may not charge any fees before a debt is actually settled. Because only one of my three debts was settled, the majority of these fees are illegal and unearned. 

I emailed the company multiple times requesting : A full accounting of funds A refund of all fees tied to the two unsettled debts Termination of my account A stop to all future withdrawals The company did not respond for weeks and continued to withdraw biweekly payments even after I explicitly revoked authorization. When they finally responded, they denied my refund request and offered only a partial refund of {$870.00}, which does not comply with the FTC rule. 

I am requesting that National Debt Relief issue a full refund of all unearned fees associated with the two unsettled debts and confirm termination of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Gambling person online who said he could trippled my income with only {$220.00} zelled to his account and then blocked me after i sent the money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: EQUIFAX, INC.
State: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the accounts identified above. They do not belong to me, and I did not authorize them. I request an immediate review and removal. Supporting documents are attached for your evaluation.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting the immediate removal of the unauthorized transactions and incorrect information on my credit report. These errors stem from a data breach that compromised my personal and financial details, a situation that was beyond my control. Despite my efforts to resolve these issues, I am still dealing with the consequences of reporting failures that should have been corrected long ago.

The fact that these incorrect and unauthorized entries remain on my report, even with clear evidence of a data breach, is completely unacceptable. This mishandling of my information is damaging my credit score, threatening my financial security, and preventing me from accessing important opportunities. I will no longer tolerate this negligence. 
I insist that you conduct an immediate investigation and remove these errors permanently. Any further delays, inaction, or refusal to comply will be seen as a direct violation of my consumer rights. I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other relevant laws to hold your company accountable.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am requesting the immediate removal of the unauthorized transactions and incorrect information on my credit report. These errors stem from a data breach that compromised my personal and financial details, a situation that was beyond my control. Despite my efforts to resolve these issues, I am still dealing with the consequences of reporting failures that should have been corrected long ago.

The fact that these incorrect and unauthorized entries remain on my report, even with clear evidence of a data breach, is completely unacceptable. This mishandling of my information is damaging my credit score, threatening my financial security, and preventing me from accessing important opportunities. I will no longer tolerate this negligence.

I insist that you conduct an immediate investigation and remove these errors permanently. Any further delays, inaction, or refusal to comply will be seen as a direct violation of my consumer rights. I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other relevant laws to hold your company accountable.

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 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Giggle Finance Inc.
State: VA

Complaint narrative:
Giggle Finance placed a lien on my settlement payments from my contracting job. They received the full lien amount from my settlements, which satisfied the total balance owed on the loan. 

Despite that, Giggle also placed a lien on my XXXX XXXX account and withdrew an additional {$540.00} that was not owed. This made the total amount they collected more than the payoff amount. 

XXXX XXXX support confirmed in writing that the {$540.00} was successfully transferred to Giggle Finance. I have attached screenshots showing this. However, Giggle keeps telling me they do not have the money and refuses to refund the overpayment or provide any explanation.

I have requested information from Giggle multiple times, and they have not resolved the issue. I also previously filed a CFPB complaint, and Giggle Finance never responded.

I am requesting the CFPBs help to require Giggle Finance to acknowledge the payment and return the {$540.00} overpayment they received after the lien was already satisfied.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Confirm timely deletion of all accounts under dispute as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Synovus Bank
State: MO

Complaint narrative:
Yall have my information and I never had a account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I saw big dip in my credit score when I went to see what was wrong. I discovered that there was a debt collecting in my name. 

Collections company RESURGENT RECEIVABLE Opened XXXX {$1200.00} this is the only information I have on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have been disputing several negative accounts that continue to appear on my credit report even though they have not been properly validated. These include collection accounts, charge-offs, and late-payment histories that contain inconsistent information or missing documentation. I requested verification from the credit bureaus and the companies reporting the accounts, but none of them have provided original contracts, proof of assignment, itemized billing records, or accurate delinquency information. Some of the dates and balances differ across the three credit bureaus, which violates federal requirements for accurate reporting. There are also several hard inquiries that I did not authorize, and the companies involved have not provided any proof of a permissible purpose or a signed application. Despite these unresolved issues, the credit bureaus continue to mark the accounts as verified without showing any actual evidence. These mistakes have caused damage to my credit score and affected my ability to qualify for credit or financial opportunities.

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 2025-11-17 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have been disputing several negative accounts that continue to appear on my credit report even though they have not been properly validated. These include collection accounts, charge-offs, and late-payment histories that contain inconsistent information or missing documentation. I requested verification from the credit bureaus and the companies reporting the accounts, but none of them have provided original contracts, proof of assignment, itemized billing records, or accurate delinquency information. Some of the dates and balances differ across the three credit bureaus, which violates federal requirements for accurate reporting. There are also several hard inquiries that I did not authorize, and the companies involved have not provided any proof of a permissible purpose or a signed application. Despite these unresolved issues, the credit bureaus continue to mark the accounts as verified without showing any actual evidence. These mistakes have caused damage to my credit score and affected my ability to qualify for credit or financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX. I do not use a middle name, nor is one listed on my state ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
Check that any accounts under dispute are removed by the legally required deadlines.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have three hard inquiries that are past the two year reporting period and have not been removed or fallen off desire online disputes and a dispute sent by mail. Experian does not allow the public to call for these types of transactions sovI am using this platform for assistance. 
The following are the inquires ( also attached ) : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX ( Posted XX/XX/year> ) 2. XXXX XXXX XXXX ( Posted XX/XX/year> ) 3. CXXXX BANK XXXX XXXXXXXX ( posted 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 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I previously filed a CFPB complaint in XX/XX/XXXX about a national bank refusing to honor a XXXX Durable Power of Attorney ( DPOA ) for a XXXX dependent adult with XXXX XXXX and freezing the adults checking account after fraudulent access attempts. 

On XX/XX/XXXX, the bank responded that it had received conflicting instructions and was relying on its Deposit Account Agreement Adverse Claims clause to justify an ongoing hold. However, on XX/XX/XXXX, a superior court issued minute orders fully affirming the DPOA, denying all challenges brought by the adverse claimant, and confirming my status as attorney-in-fact. The legal dispute over authority has already been resolved by the court. 

Despite having those court orders and the XXXX DPOA, the bank continues to block access to approximately {$14000.00} in the dependent adults account and has not lifted a large placeholder hold or restored full POA access. The funds are needed for daily living and legal representation. This ongoing refusal effectively deprives a XXXX adult of access to their own money. 

Under California Probate Code, financial institutions must honor a valid statutory-form DPOA once accepted, and under the Welfare & Institutions Code, withholding a dependent adults funds after notice can constitute financial abuse. The bank is also a mandated reporter under state law but has taken no protective action despite clear evidence of an adverse claimant with a history of financial misconduct. 

As of XX/XX/XXXX, the account remains restricted, the court-approved POA is not being honored, and the same adverse party continues to interfere through the banks systems. The prior CFPB complaint is closed, but the problem has not been corrected and the harm is ongoing. 

I consent to publishing this description so others can learn from this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I found a collection account and inquiries on my account that dont belong to me.

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 2025-11-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I Submitted a previous claim regarding and email sent by Experian saying they increased my credit score no XX/XX/year>. Upon going to their website, I noticed my score did not change and has been the same since XX/XX/year>. 

I sent you a complaint. Experian responded with another email on XX/XX/XXXX stating the same thing as XX/XX/XXXX, that my score has increased. I logged on to their website again and the score is still the same. 

This is very frustrating as I have worked hard to maintain a good credit score over several years. It seems as though there is an issue with Experians FICO Updating system. If this is happening to me, there may be many other customers who are experiencing this. 

Please follow up with them. This has never happened to me before and I have not had these issues with XXXX  or XXXX. 

Please inform me of what legal procedures to take if the matter cant be resolved. 

Thank you

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 2025-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Sent proof of payment by mail and email over comenity 's website. They will not accept my proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: WI

Complaint narrative:
SoFi Bank denied my unauthorized transaction dispute for {$480.00} to XXXX XXXX on XX/XX/year> without providing any documentation required under Regulation E. I submitted a Formal Notice of Error under 12 C.F.R. XXXX on XX/XX/XXXX SoFi failed to respond, acknowledge the notice, or provide investigation documents within the required XXXX business days. They did not provide logs, authorization records, or evidence that I approved the transaction.

Their denial relied on assumptions ( freeze/unfreeze behavior ), not actual authorization. This violates : 12 C.F.R. 1005.11 ( b ) improper burden of proof 12 C.F.R. 1005.11 ( c ) failure to respond to a Notice of Error 12 C.F.R. 1005.11 ( d ) failure to provide documentation The transaction was unauthorized, and I still have not received merchant proof or bank records. 

I am requesting the CFPB to enforce compliance and require SoFi Bank to correct the error or provide legally required documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

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 2025-11-17 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: TX

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with explanation