vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: VA

Complaint narrative:
I am submitting this dispute regarding inaccuracies on my Experian credit report. I am a consumer actively working to improve my credit, and I respectfully request that the following items be corrected or verified in accordance with the Fair Credit Reporting Act.

Charged-Off Accounts I do not have any charged-off accounts to dispute for Experian at this time.

Inquiries I dispute the following inquiries as unauthorized or lacking consent : XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX Date : XX/XX/year> Please provide verification of authorization for these inquiries or remove them from my 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 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: TX

Complaint narrative:
I opened a XXXX account and financed an XXXX that were subject to XXXX XXXXXXXX return policy XXXX I decided not to keep the device and attempted to return them within the return window. 

The XXXX day of the return period fell on a holiday when the store was closed. I went to the store on the next business day ( day XXXX ) to return the devices. The store refused the return and stated the return window had passed, even though the prior day was a holiday. 

The devices remain brand new, unopened, and in my possession. I contacted XXXX multiple times to dispute the charges and explain the holiday return issue. XXXX refused to correct the billing error and insisted on full payment or continuation of service. 

I canceled my XXXX  service and moved to another carrier. Despite the charges being disputed, the account was sent to collections with Credit Control LLC, which is now reporting a collection account on my credit report. 

I do not owe this debt. The charges are the result of a return and billing dispute that XXXX refused to resolve. I no longer have access to my XXXX  account records because the account was canceled, and XXXX system restricts access to prior documentation once service is terminated.

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 2025-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
What happened? 

My mortgage servicer, CrossCountry Mortgage, made an incorrect PMI eligibility determination, reinstated PMI without providing any borrower notice, and caused me to lose the ability to remove PMI under applicable XXXX XXXX guidelines. 

I purchased my home in XX/XX/XXXX. In XX/XX/XXXX, I obtained a lender-ordered appraisal through CrossCountry Mortgage for the purpose of PMI removal. The appraisal valued the property at {$370000.00}, and my loan balance at the time was approximately {$300000.00}. I was advised that the appraisal was sufficient for PMI removal, and I relied on that representation.

At a later point, PMI was reinstated. I received no letter, email, billing insert, or other disclosure notifying me of the reinstatement. I only discovered PMI had been added back after reviewing my XXXX mortgage statement. When I contacted CrossCountry Mortgage, I was told that no notice had been sent.

Because PMI was represented as resolved, I did not pursue corrective action. While PMI was represented as removed, the loan crossed the two-year seasoning threshold in XX/XX/XXXX. Under XXXX XXXX servicing guidelines, this eliminated my ability to cure PMI at 80 % loan-to-value and instead subjected me to a 75 % LTV requirement. Because I was not notified of the reinstatement, I lost the opportunity to take corrective action before this threshold passed.

This resulted in continued PMI charges and loss of eligibility caused by servicer error and failure to notify.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and outdated personal information, which I formally disputed with EQUIFAX. 
Despite submitting the dispute along with proper supporting documentation, the credit bureau has failed to correct the following : Details of the Dispute : Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed on my credit report. 
I request that my name be updated to reflect the correct and complete legal name. 
Outdated Address : My current residential address is : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX However, my credit report shows an outdated and inaccurate address. 
I request that my current address be updated and that all outdated addresses be removed. 
1. Incorrect Employers : My current and correct employer is : Self Employed The credit report incorrectly lists employers I have never worked for. 
I request that only verifiable and correct employment information be reported. 
Applicable Laws Violated : The credit reporting agencys failure to remove or correct these inaccurate items violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i Failure to reinvestigate disputed information within the required timeframe 15 U.S.C. 1681g Right to receive complete and accurate information from a credit file 15 U.S.C. 1681s-2 ( a ) Duty of data furnishers to report accurate information CFPB Bulletin XXXX Guidance on reinvestigation obligations of CRAs These errors can cause significant harm to my creditworthiness and may associate me with data and accounts that are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payment : XXXX  XXXX Account Number : 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 2025-12-15 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: NJ

Complaint narrative:
I am submitting this complaint with absolute certainty and significant frustration. My credit report contains multiple accounts with errors that I can no longer ignore, as they have been negatively impacting my credit score and interfering with my ability to achieve financial stability and financial freedom. These inaccuracies have caused ongoing hardship and must be addressed immediately.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime Financial Closed Account in XXXX  With Funds Remaining and Has Withheld My Money Since Complaint Narrative : I am submitting this complaint against Chime Financial , Inc. regarding the closure of my account in XXXX  while funds remained in the account and Chimes continued refusal to return my money or provide a clear explanation. 

In XXXX, Chime closed my account without prior notice. At the time the account was closed, there was a remaining balance of $ [ insert amount ] in my account. Since the closure, I have made repeated attempts over the past several years to obtain an explanation for the closure and to have my remaining funds released. 

Despite numerous contacts with Chime since XXXX, Chime has failed to provide a specific reason for the account closure and has not returned my funds. I have only received vague or generic responses stating that the decision was final, without citing any violation of the account terms or providing a timeline for the return of my money. 

I believe this conduct is unfair and deceptive. A financial institution should not be permitted to withhold customer funds for multiple years without transparency, justification, or resolution. Chimes failure to return my funds since XXXX  has caused ongoing financial harm. 

I am requesting regulatory assistance to compel Chime to immediately release the remaining balance of my account and provide a written explanation for the account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: Axiom Acquisition Ventures, LLC
State: NJ

Complaint narrative:
I am filing this complaint regarding a fraudulent account being reported on my credit report under the name XXXX XXXX XXXX. This account does not belong to me, was not authorized by me, and is the result of identity theft. The account was also included in my bankruptcy and discharged. 
On XX/XX/XXXX, I contacted XXXX XXXX XXXX directly. I was informed that XXXX has not had access to or ownership of this account since XXXX and that the account was sold to Axiom Acquisition. I then contacted Axiom Acquisition and informed them that this account was tied to identity theft and included in bankruptcy. Axiom Acquisition advised me that the account was returned to the original creditor.

Despite these statements, this account continues to reappear as verified on my credit report, even though neither company claims ownership or reports servicing the account. This creates a situation where a debt is being reported with no responsible furnisher, which is inaccurate, misleading, and unlawful. 
This account was included in my bankruptcy case number XXXX, filed in XXXX and discharged on XX/XX/XXXX. I also filed an FTC Identity Theft Affidavit, confirming the account was opened fraudulently without my authorization.

Additionally, the account is being reported as a charge-off multiple times after already being charged off, which constitutes improper and duplicative credit reporting. I have disputed this account repeatedly with the credit bureaus, yet it continues to reinsert as verified without lawful validation.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), furnishers must report information that is accurate, complete, and verifiable. Under 15 U.S.C. 1681s-2 ( b ), a reasonable investigation is required once a dispute is received. Verifying an account where no ownership exists, that was discharged in bankruptcy, and that is tied to identity theft fails to meet this standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: FREEDOM FINANCIAL NETWORK
State: NJ

Complaint narrative:
I am filing this complaint regarding a fraudulent account being reported on my credit report under the name Achieve Personal Loans. This account does not belong to me, was not authorized by me, and is the result of identity theft. The account was also included in my bankruptcy and discharged. 
On XX/XX/XXXX, I contacted Achieve Personal Loans directly. I was informed that Achieve has not had access to or ownership of this account since XXXX and that the account was sold to XXXX XXXX. I then contacted XXXX XXXX and informed them that this account was tied to identity theft and included in bankruptcy. XXXX XXXX advised me that the account was returned to the original creditor. 
Despite these statements, this account continues to reappear as verified on my credit report, even though neither company claims ownership or reports servicing the account. This creates a situation where a debt is being reported with no responsible furnisher, which is inaccurate, misleading, and unlawful. 
This account was included in my bankruptcy case number XXXX, filed in XXXX and discharged on XX/XX/XXXX. I also filed an FTC Identity Theft Affidavit, confirming the account was opened fraudulently without my authorization. 
Additionally, the account is being reported as a charge-off multiple times after already being charged off, which constitutes improper and duplicative credit reporting. I have disputed this account repeatedly with the credit bureaus, yet it continues to reinsert as verified without lawful validation.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), furnishers must report information that is accurate, complete, and verifiable. Under 15 U.S.C. 1681s-2 ( b ), a reasonable investigation is required once a dispute is received. Verifying an account where no ownership exists, that was discharged in bankruptcy, and that is tied to identity theft fails to meet this standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
A debt collector put a fake debt on my credit report. They sent me a bill that says I owe rent for XX/XX/XXXX. But they also have records showing my lease ended in XXXX. 
You cant owe rent two years after your lease ends. This makes no sense.

Their own papers also show two different amounts I supposedly owe - {$990.00} and {$860.00}.

I sent them an email showing their documents are fake and requesting deletion from my credit report. They refused to delete it. They refused to explain how I can owe rent in XXXX when my lease ended in XXXX. 
Instead, they want me to send documents to prove the debt is fake. According to the law, they must prove the debt is legal, not me. They wont answer my questions and wont remove the fake debt from my credit report.

This fake debt is hurting my credit score right now. I want it deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: PA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding NR/SMS/CALs inaccurate and/or unverifiable mortgage credit reporting and failure to correct disputed payment history after notice.

NR/SMS/CAL is furnishing late payment information on my mortgage account that I dispute as inaccurate and unsupported. The reporting of mortgage delinquencies must be based on accurate payment application and complete servicing records. I have disputed these late payments and am requesting documentation-based proof or correction.

Account and Items in Dispute NR/SMS/CAL ( Mortgage ) Acct : XXXX Disputed late payments reported for : XX/XX/XXXX XX/XX/XXXX I dispute the accuracy, completeness, and reporting basis of these late payment notations.

Basis of Complaint Mortgage servicing errors frequently involve misapplied payments, escrow changes, or the use of suspense/unapplied funds, which can cause incorrect delinquency reporting even when payments were made. NR/SMS/CAL has continued to report the above late payments without providing documentation sufficient to validate the alleged delinquency and the manner in which payments were applied.

To properly substantiate the reporting, NR/SMS/CAL should be able to provide complete records for each disputed month, including : The monthly mortgage statements showing the contractual due date and amount due ( including escrow changes ) ; A complete payment history/transaction ledger showing date received and date posted/applied; A breakdown of payment application ( principal, interest, escrow, fees ) and whether any funds were placed into suspense/unapplied status ; Any servicing notes, notices, or policies relied upon to determine delinquency ; and The exact basis and date the account was first treated as past due for each disputed billing cycle.

Generic verified as accurate responses are not sufficient without documentation demonstrating that the reporting is correct and that the payment history was applied properly.

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 2025-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
b'On XXXX I received an email from XXXX, a vendor where a made what I thought it was a 1 time purchase of a toy for my XXXX XXXX XXXX XXXX, stating that my subscription was going to renew on XXXX. I replied to the email requesting to cancel any subscription immediately that I had not signed up for any subscription at the time of purchase. On XXXX, the vendor charge $XXXX  agains my request. I followed up with another email requesting to refund for the unauthorized charge. I also contacted the vendor and received an email from a so-called manager which I explained the situation and never received a response to my 3 requests. I contacted Capital One and explained the situation and provided copies to all my email correspondence and still sided with the vendor even though I clearly show that I requested the so coalled subscription to be cancel days prior to the charge and the 2nd email that I sent to the company requesting the refund since I had not authorized the transaction.'

Company response to consumer: Closed with explanation