vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 2025-06-01 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: CA

Complaint narrative:
As you may know there was a data breach with Experian. The law affirms that all negative item must be removed due to that breach. Is this true and correct? If so, i requesting negative item be removed

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 2025-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
I started to get calls for a debt with a XXXX XXXX XXXXXXXX XXXX  and thought it was a joke at first or someone trying to sell me a fitness membership. I was in a bad car accident a year and a half ago where there is no way I can even workout. I have never stepped foot in a gym let alone a XXXX XXXX. So I seen that this account showed up on my credit report, I talked to the debt collector and told them that it would be impossible for me to have a membership to a gym and to please remove this from my credit and send me any information regarding this account. She informed me that they would just remove the account and not to worry about this. Kind of weird I've never had a charge on any of my credit cards or bank accounts for this account. Just showed up on my credit. 3 month goes by and this is now back on my credit and is destroying my creditI am told that I have to pay this or they will continue to wreak havoc on my credit. This is very scammy and not right. Ether someone stole my identity or this company is trying to scam me. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: MT

Complaint narrative:
It all began when I mailed my XX/XX/year> payment on XX/XX/year>. This process had been satisfactory for years with the check being processed within 8 days. In this case I began calling XXXX Mortgage on XX/XX/year> inquiring as to their receipt of Check # XXXX. I called several times as the payment was due on XX/XX/year> - with no responses. By XX/XX/year> the check had not arrived, I called and was offered a new option of having a direct Bank XXXX over the phone. In that process the XXXX stated after placing a payment to replacement of Check # XXXX that I could make next month 's payment, I agreed and issued the draft for $ XXXX which would have made the next monthly due date XXXX XXXX. I had placed a stop pay on the original check # XXXX prior to that call. XX/XX/year> XXXX XXXX  processed Check # XXXX and the draft for {$3100.00} placing {$4600.00} into their vault. It was at that time that they chose to : XXXX ) reverse Check # XXXX in the amount of {$1500.00} while placing {$25.00} into escrow XXXX ) and reversing XXXX of the Drafts in the amount of {$1500.00} while placing {$1500.00} into limbo as unapplied Funds. On a call to XXXX XXXX  on XX/XX/year> I was advised by XXXX  # XXXX that I was past due for XXXX months. XXXX XXXX  is preforming as a XXXX rate loan shark and should not be an admitted 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 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
I was scammed for {$670.00} on XX/XX/2025 for a vehicle payment the person I was texting we was texting online on XXXX I have the information about everything when they claimed I was getting a vehicle the model of the vehicle they promised and everything. Then after they claimed to send the vehicle to the delivery company they had me sending {$490.00} on XX/XX/2025 to them for insurance after I sent all the money they were still saying I needed to pay more money to get my vehicle. So after they were telling me to send more money I politely asked them for my money back neither XXXX of them sent my money back and they also blocked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: MO

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reported accurately, I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This accounts has not been late on payments. I've attached a copy of my report to the complaints on the following dates XX/XX/24 and XX/XX/24. I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand theses payments to be updated to paid on time immediately Thank you for your understanding and prompt action.

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 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: DC

Complaint narrative:
I am writing regarding Account beginning with XXXX, which appears on my credit report. I do not recognize this debt and was not given the opportunity to dispute it as required under the Fair Debt Collection Practices Act ( FDCPA ). 

If you believe that proper notification was provided, please supply documentation showing delivery via certified mail, including a signed receipt as proof. If you are unable to provide this verification, I respectfully request that you immediately remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally request the immediate removal of inaccurate and fraudulent information from my credit file due to the XXXX  data breach, which exposed my personal information, including my Social Security number, drivers license number, and other sensitive details. As a result of this breach, referenced under XXXX, I have been a victim of identity theft. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, credit reporting agencies are required to block and remove fraudulent information from a consumers credit report within XXXX business days of receiving notice of identity theft, along with proper documentation. This federal law ensures that victims of identity theft are not further harmed by fraudulent activity appearing on their credit reports. 

I demand that the following fraudulent and inaccurate information be removed from my credit file immediately : See FTC Report I have included the following documents to support my request : A copy of my government-issued ID. 
Proof of my address. 
A copy of the breach reference number XXXX confirming the compromise of my personal information. 
Any additional documentation is required under the FCRA. 
I expect confirmation in writing that the fraudulent information has been removed from my credit file within the legally mandated timeframe of XXXX business days. If further information is required, please contact me at the address, email, or phone number listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunbit, Inc.
State: IL

Complaint narrative:
I had past-due accounts with SUNBIT that I fully paid off years ago. Despite multiple requests, they continue to report this negatively on my credit report. I am an active- duty military service member and have made several good-faith attempts to request that the negative item be removed to support my financial rehabilitation. 

The company claims it is required to report the account for XXXX full years, which is not true under the Fair Credit Reporting Act ( FCRA ). Creditors have the discretion to request deletions from the credit bureaus for paid and settled accounts. 

The continued reporting of this item is damaging my ability to access credit and financial tools, despite having met my obligations. Im requesting the CFPB assist in compelling this creditor to remove the account as a goodwill deletion or otherwise explain why they are unwilling to assist a fully compliant and active-duty customer. 

TO INCLUDE ACCOUNT NUMBERS XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: IA

Complaint narrative:
I deposited {$2100.00} into my XXXX account on XX/XX/year>. The transaction is still marked as In XXXX in my account and the funds have not been credited. I have contacted XXXX support multiple times ( via ticket, phone, and chat ), and have not received any response or resolution. The money has already left my bank account. I am requesting assistance in resolving this issue and having my funds credited or refunded.

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 2025-06-01 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX received XXXXXXXX XXXX  XX/XX/XXXX from XXXX XXXX advising a transaction on a XXXX XXXX XXXX someone from Texas trying to purchase {$3000.00} worth of airline tickets. XXXX XXXX gave me CC # in question w/o my adding any info .had my ss # and other cc # XXXX XXXX, XXXX XXXX. I felt uneasy they after a lengthy discussion on how my XXXX XXXX was being overcharge the transferred me to XXXX to verify my cc debt and they could lower than transferred me to a XXXX party XXXX XXXX XXXX this was ADS resolve they set up an account to pay off debt. 's MY main concern his all the pertinent info they told me. I rechecked # XXXX and caller id showed XXXX & XXXX not the # Mr.Witcher gave me. I called cc 's to issue new cards. Will call my bank XX/XX/XXXX. ( these # 's appeared to be cell # XXXX. 
Incidentally they told me not to cancel cc 's in question. I did cancel.

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 2025-06-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I believe I was scammed by a company offering a debt relief program. They presented the program as a way to help me reduce my monthly payments and get out of debt, but they never clearly explained that all my credit card accounts would be closed, marked with late payments, and sent to collections. I would have never agreed to this if I had fully understood the consequences. 

The representatives made it sound like my credit would be protected or improved, but instead, my credit score has been completely destroyed. I had years of excellent payment history and good standing accounts that are now ruined. I was never told that my accounts would be charged off or that it would leave a permanent negative mark on my credit report. 

I feel completely misled and taken advantage of. This program caused more damage than help, and I want the CFPB to investigate this company for deceptive practices. I am requesting that the negative accounts, late fees, and collections be removed from my credit reports as I did not knowingly or willingly agree to this kind of outcome. This has left me in a worse financial position than before I joined the program. 

Please help me fix my credit and hold this company accountable for what theyve done.

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 2025-06-01 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-01 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-01 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: GA

Complaint narrative:
am a victim of identity theft. There are multiple accounts on my credit reports that I did not open or authorize, including accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and others. 
I have already filed a report with IdentityTheft.gov and submitted disputes directly to Experian, Equifax, and TransUnion, along with documentation including my FTC Identity Theft Report and proof of identity. 
Despite this, the fraudulent accounts remain on my reports and continue to harm my credit, causing denials, stress, and financial damage. 
I am requesting that the CFPB assist in ensuring the credit bureaus comply with the Fair Credit Reporting Act by removing these fraudulent items immediately and confirming in writing. I am also seeking acknowledgment of the damages incurred from this ongoing issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I received a letter from this company in XXXX. I sent a debt verification letter in XXXX, and in XXXX. I did not receive a response either time. I do not owe this company any monies. I have never had an account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX reported collection on a SECURED CREDIT CARD listing a XXXX $ collection

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 2025-05-31 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  reported collection on a SECURED CREDIT CARD listing a XXXX $ collection

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 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I sent a dispute letter to the credit agencies asking to have this debt validated or removed. They took longer then XXXX to respond. They also never provided me The transfer of XXXX XXXX, The Flow Agreement, The Bill of XXXX nor did the disclose if the debt in question was securitized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one is a XXXX company, that does not care about its customers. 

On two occasions, it gave a Credit card with Security Code XXXX  ( ALL THE SAME NUMBERS ). I ASKED THEM TO RESEND ME THE CREDIT WITH TOTAL DIFFERENT RANDOM SCRAMBLED NUMBERS. THIS IS MAJOR SECURITY FRAUD ISSUE!!!. THEY SENT IT AGAIN WITH XXXX. THEY ARE PURPOSELY TRYING TO XXXX OVER XXXX XXXX  LIKE ME, SO WE GET OUR ITEMS STOLEN. PLEASE SEND OUT A NEW CREDIT CARD, AND THIS TIME DO IT RIGHT!!!!!

Company response to consumer: Closed with explanation