vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
My card was stolen and used at an atm, the bank refuses to provide a provisional credit and it has passed 10 business days and they will not give me a date on when I will get my provisional credit this violate reg e

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
They were calling every single day i finally called back told them to stop. They havent have told them 5 times to stop calling me and they wont

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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
State: LA

Complaint narrative:
I am challenging you to provide proof that it is right for you to make these allegations about me, and I am asking you to comply with the reporting requirements without any deviations. As per XXXX U.S.C XXXX, it is your duty to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, per XXXX CFR Part XXXX ( Regulation XXXX ), you are required to furnish information about accounts or other relationships with a consumer that has integrity and is accurate, as well as to conduct reasonable investigations of consumer disputes. It is disappointing that mistakes in reporting can make the information less accurate, and this has significant implications for both federally regulated reports and XXXX XXXX compliance standards, as XXXX states that any deviations from these standards jeopardize data integrity. In light of these issues, I urge you to investigate the validity of these inaccurate items and replace them with more accurate ones or delete them altogether. 

LMMINC - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2025, I made an authorized purchase for a laptop through my Best Buy credit card in the early morning hours. I urgently needed the device for a freelance project, so I arranged for it to be delivered to my workplace the following day, XX/XX/2025. 
Although Best Buys records indicate that the laptop was delivered and signed for, the digital signature on file is not mine, and neither I nor my workplace ever received the product. At the time of the supposed delivery, I was out of town for work in XXXXXXXX XXXX, returning later that evening. 

I had provided explicit instructions through an automated text thread with XXXX by XXXX for the driver to deliver the package to the host stand at my restaurant, where staff were aware it was expected. Despite these instructions, the package was marked as delivered, and the signature shown as proof appears to have been forged, likely by the third-party delivery driver. 

I filed an official police report with the XXXX Police Department, XXXX XXXX, on XX/XX/2025 ( Report # XXXX ) and am working directly with Detective XXXX XXXX ( XXXX ). XXXX XXXX is actively investigating the case and attempting to trace the laptops serial number to determine its actual delivery location or whether it was resold or pawned. 

Despite this active investigation and clear evidence that the product never reached me, Best Buy denied my chargeback request, citing proof of delivery ( POD ) as evidence. The denial letter I received explicitly claims the product was delivered and signed for, even though the signature is not mine. This response is included as supporting documentation with my submission. 

This process has been extremely time-consuming and stressful, and I do not believe I should be held responsible for a balance related to an item I never received. I am requesting that Best Buy reverse the charge, cooperate fully with the ongoing police investigation, and cease collection or reporting activity related to this transaction until the matter is resolved. 

I will also be providing supporting documentation, including : - Screenshots of my text exchange with the Roadie driver - Best Buy order receipt ( with serial and model details ) - Falsified digital signature from Best Buy - Police report slip - Detective email correspondence - Dispute letter sent to Best Buy - First XXXX pages of Best Buys denial letter citing POD

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
After numerous FTC reports and police report. This company has still reported inaccurate information on my reports. This needs to be removed and blocked as this is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX  XXXX, XXXX, LA XXXX - XXXX XXXX Previous Address : - XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : - XXXX XXXX XXXX, XXXX, LA XXXX Name : - XXXX XXXX - XXXX XXXX - XXXX AND XXXX XXXX XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX - XXXX STAT - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: UT

Complaint narrative:
I am submitting to formally dispute the accuracy, completeness, and legal validity of certain information currently being reported on my Experian, TransUnion and Equifax credit report. After carefully reviewing my file, I have identified entries that appear inaccurate, inconsistent, and unverifiable under the Fair Credit Reporting Act ( FCRA ). I am therefore requesting a full reinvestigation and correction of the items listed below. 
XXXX. Inaccurate and Unverifiable Collection Account The following account is being reported as a collection : XXXX  XXXXXXXX XXXX XXXX Balance {$72.00} Original Creditor XXXX XXXX XXXX. Unverified and Potentially Unauthorized Inquiries I am also disputing the following hard inquiries that appear on my credit report : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX, MN XXXX Request for Debt Validation Pursuant to FDCPA XXXX ( XXXX U.S.C. XXXX ) Dear Jefferson Capital Systems , LLC, I am writing in response to your letter dated XX/XX/year> regarding the alleged debt you claim I owe of {$280.00}. Please be advised that I am requesting validation of this debt as is my right under the Fair Debt Collection Practices Act ( FDCPA ). 

Until you provide the documentation requested below, please cease all collection activities and do not report or continue reporting this debt to any credit reporting agency. 

Please provide the following : XXXX. The name and address of the original creditor and the original account number. 
XXXX. The amount of the alleged debt, including an itemized breakdown of any interest, fees, or other charges added. 
XXXX. A copy of the original signed agreement or contract establishing the debt. 
XXXX. Documentation showing that Jefferson Capital Systems , LLC has the legal right to collect on this debt ( chain of title or assignment from the original creditor ). 
XXXX. The date of last payment or activity on the account, to confirm whether the debt is within the statute of limitations for collection in my state. 

This letter is not a refusal to pay but a formal dispute of the alleged debt until proper validation is provided. I request that all future communications regarding this matter be in writing only. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX - We ordered a Mobile Home to purchase from XXXX XXXX XXXX in XXXX XXXX, XXXX. Manufacturer : XXXX XXXX in XXXX. Serial numbers XXXX. 
XX/XX/XXXX - We signed a loan for the MH with XXXX XXXX XXXX  ( bought by Wells Fargo ). Loan number XXXX, in the amount of {$88000.00} with the MH serving as collateral. We provided insurance on the MH throughout the loan, with XXXX and then XXXX XXXX XXXX, using the Serial numbers from the manufacturer. 
XX/XX/XXXX - We filed XXXX  XXXX bankruptcy, for 5 years. We included the MH, but as agreed in the bankruptcy court file, we continued to make payments on the MH through our XXXX, XXXX XXXX, who was then to forward the payment to the lending bank. ( XXXX and then Wells Fargo. ) XX/XX/XXXX - Bankruptcy was discharged and we expected to receive a title for the MH. 
XX/XX/XXXX - XXXX - I have periodically contacted Wells Fargo Mortgage Department, DMV, the Trustee 's office and the attorney I used for the bankruptcy with no satisfaction of obtaining a title for my XXXX MH. 
XX/XX/XXXX - I contacted the Wells Fargo in XXXXXXXX XXXX XXXX and spoke to an employee by the name of XXXX, her number at the time was XXXX. She located the loan documents form XXXX and stated that there was a document within the file for " NOTICE OF COLLATERAL CODE CHANGE '' meaning that the bank was unable to obtain title paperwork from the seller/dealer, XXXX XXXX XXXXXXXX XXXX XXXX the loan was changed to " UNSECURED '' no collateral. I was NEVER notified of this. The memo is dated XX/XX/XXXX. 
XX/XX/XXXX - I looked up my serial numbers with the DMV. My serial numbers are on record with the DMV, but it is not my MH recorded. The title # is XXXX. My MH is a XXXX XXXX XXXX. The MH on file at DMV with MY serial numbers is a 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 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
Purchased bit coins can not access my funds bought with email XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: FL

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 non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX XXXX, XXXX hard inquiry. I never authorized this inquiry. I requested that XXXX remove this inquiry. No response from XXXX  ; inquiry was never removed. TransUnion has a legal responsibility to report correct credit information that is legally permitted and authorized. This information is any of the above. This adverse information is causing me financial hardship due to not being able to obtain new credit and pay high interest rates for credit products.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting to formally dispute inaccurate address information currently listed on my credit report. Specifically, the addresses below are incorrectly associated with my credit file and must be removed. Inaccurate Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want to state clearly that I have never lived at, used, or had any financial, legal, or personal connection to either of these addresses. Their presence on my credit report is erroneous and XXXX be the result of a clerical error, file merging, or identity confusion. Correct Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g ( a ) ( 1 ) ( FCRA 609 ( a ) ( 1 ) ), I have the right to review the information in my credit file. Additionally, under FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ), consumer reporting agencies are required to conduct a reasonable reinvestigation when a dispute is submitted and to delete or correct any information that can not be verified.

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 2025-10-15 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 to formally dispute inaccurate address information currently listed on my credit report. Specifically, the addresses below are incorrectly associated with my credit file and must be removed. Inaccurate Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want to state clearly that I have never lived at, used, or had any financial, legal, or personal connection to either of these addresses. Their presence on my credit report is erroneous and XXXX be the result of a clerical error, file merging, or identity confusion. Correct Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g ( a ) ( 1 ) ( FCRA 609 ( a ) ( 1 ) ), I have the right to review the information in my credit file. Additionally, under FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ), consumer reporting agencies are required to conduct a reasonable reinvestigation when a dispute is submitted and to delete or correct any information that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: EQUIFAX, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing the accuracy and verification of a Capital One credit card account ending in XXXX reported by XXXX. 

XXXX  has confirmed that there is no balance history or payment data on file for this account ( Unable to process dispute : trade no balance history on file ), which means the information can not be verified under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ).

Despite this, XXXX  continues to report the account with late payments and closure by the creditor, which is incomplete and inaccurate information under FCRA 607 ( b ). 

I am requesting a permanent deletion of this unverifiable Capital One account and written confirmation of correction or deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX Synchrony Bank ) 3090 day lates across bureaus, inconsistent counts ( 1617x 30 days late ). 
Conflict between bureau reports ( number and duration of delinquencies ). 
FCRA 602A, 607 ( B ) ( reasonable procedures ).

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I am filing a complaint against XXXX  and the U.S. Department of Education ( XXXX ) for failure to conduct a proper credit dispute investigation under the Fair Credit Reporting Act ( FCRA ). 

I disputed the accuracy of several U.S. Department of Education accounts reported by XXXX, specifically accounts ending in XXXX and XXXX. These accounts incorrectly list the date opened as XX/XX/XXXX, even though my student loans were originally issued between XXXX and XXXX while I attended college. 

XXXX response stated that the accounts were verified and updated, yet they did not provide : Any documentation or communication showing how or by whom the accounts were verified. 
Any explanation of what information was updated. 

This response fails to satisfy the requirements of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), which mandates that the consumer be provided with the method and source of verification. 

Additionally, the reporting of a XXXX open date on loans originating in XXXX is factually inaccurate and misleading, as it artificially resets the delinquency date and extends the negative reporting period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

Company response to consumer: Closed with non-monetary relief