vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 


I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard. 

Account XXXX XXXX XXXX Account number XXXX Inconsistencies across TransUnion , Experian, and Equifax as follows : Date open XX/XX/year> vs XX/XX/year> High Credit amount & Credit limits Provide documentation of the verification method used. 

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

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 2025-07-26 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: RI

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act, I ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act, ( FDCPA ), specifically section 809 ( 15 U.S.C. 1962g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX Identification Number : XXXX Subscriber Number : XXXX  Date : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Identification Number : XXXX Subscriber Number : XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Identification Number : XXXX Subscriber Number : XXXX Date : XX/XX/XXXX Balance : {$240.00} I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.

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 2025-07-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
It is a lvnv funding old it went to XXXX third party asked for documents that they never sent me .i want to dispute this one as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I need to Midland Credit Management, XXXX XXXX, XXXX XXXX called me all time morning and night every days it has been over XXXX  years by law should be removed off me credit report please stopped threatened called and letters, and also XXXX 's, XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND FTC REPORT SENT!!!!!!!!!!!!! 
THANKS IN ADVANCE FRAUDULENT AND UNATHORIZED ACCOUNTS DUE TO IDENTITY THEFT XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$33000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00}

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 2025-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
1. During the period from XX/XX/XXXX - XX/XX/XXXX PENFED paid {$0.00} for my homeowners insurance ; I paid the policy total amount of {$9600.00}. 

2. During the period from XX/XX/XXXX - XX/XX/XXXX PENFED paid {$0.00} for my homeowners insurance ; I paid the policy total amount of {$8500.00}. 

3. During the period from XX/XX/XXXX - XX/XX/XXXX PENFED paid {$3200.00} for my homeowners insurance ; I paid the amount of {$5400.00}. 

4. During those periods stated above PENFED paid {$0.00} of my property taxes. 

5. In spite of the above, PENFED have consistently charged me with escrow payments in the amount of {$9300.00}. If we substract the amount of insurance paid on XXXX ( {$3200.00} ) they have still overcharged me in the amount of {$6300.00}. 

6. On the most recent escrow account analysis they finally realized the aparent overcharges and sent me a check in the amount of {$1800.00}. In my opinion, they still own me {$4400.00}. 

7. I have tried to settle this matter with PENFED to no avail. Multiple emails have been ignored.

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 monetary relief
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
I attempted to contact Experian on XXXX  XX/XX/year> between the hours of XXXX and XXXX XXXX. I called over XXXX times attempting to reach a representative because my online account was requesting a PIN number that I do not remember creating. I was eventually locked out of my account due to failed attempts. I was instructed from the website to dial the number XXXX ( XXXX ) XXXX to speak with a representative if I did not remember my pin. I called multiple times and even tried multiple numbers. The additional numbers I tried were ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, and ( XXXX ) XXXX. All of these numbers took me through an automotive system that refused to transfer me to a live agent. Instead of flowed through its questions and hung up once it didnt understand. This happened every single time until the offices were closed. I tried contacting again today XX/XX/year> at XXXX PM XXXX and finally was able to reach a live agent after XXXX tries through the automotive system. All of this just to be told that since I dont have the pin I would have to contact disputes Monday-Friday or send in more documentation to verify who I am. I provided the representative XXXX my full name including middle initial, XXXX, full SSN, last XXXX of XXXX ( multiple times ), current address, phone number, email address, and answer to security question only to be told she still could not unlock my account. I want to know why after providing over XXXX pieces of confidential information why I still was not given access to my account? Why does Experian direct consumers to contact a support line that is nearly impossible to get through an automotive voice? Why is experians customer service support incompetent when it comes to actually assisting the consumer? Why is Experian allowed to have access to my entire credit profile and report yet does not make it accessible to me the consumer after providing extremely sensitive and confidential information about my identity?

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 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I was coerced under threat of a court-appointed receiver into a conditional payment agreement with XXXX from JAVITCH BLOCK XXXX  XXXX contingent on receiving payment instructions via email and USPS. They never sent the information. On XX/XX/XXXX when the first payment was " due '' according to the verbal meeting with XXXX, I was unable to log onto JAVITCH BLOCK website to make a payment without an account number or any information. I called JAVITCH BLOCK and NOBODY answers the phone when you call. I emailed the clerk at XXXX XXXX XXXX XXXX and she responded with " I do not know what you and JAVITCH agreed upon, but on my end the appointment of receiver has been withdrawn. '' On XX/XX/XXXX JAVITCH BLOCK requested an ex parte receiver appointment without notice with XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Then on XX/XX/XXXX, the entire amount in my XXXX XXXX checking account was seized in the amount of {$2800.00}. {$2400.00} of that amount was my husband XXXX XXXX XXXX XXXXXXXX Retirement Annuity exempt under TX. Gov. Code 851.006. The court refunded {$2400.00} and kept {$320.00} " to be APPLIED. '' I believe this was a SETUP intended to create the appearance that I failed to pay, so they could " justify '' seizing my funds. They created conditions I could NOT meet by failing to send payment instructions, then used that failure against me to request a receiver and execute garnishment.

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 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I am submitting this complaint against Citizens Bank for its failure to properly investigate unauthorized charges, return fraudulent funds, and resolve issues related to my personal account ( Account ending in XXXX ). Despite making multiple complaints and contacting the bank repeatedly, Citizens Bank has not adequately assisted in the investigation of fraudulent transactions, nor have they reimbursed the funds for charges that were clearly unauthorized. Detailed Complaint : Unauthorized Transactions : I initially reported unauthorized transactions occurring from several different companies and other banks between XXXX and XX/XX/XXXX. These charges were made to my personal account, and I have reason to believe they were the result of fraud. Failure to Investigate : I reported the fraudulent transactions to Citizens Bank on XX/XX/XXXX, and, as of today, the bank has failed to conduct a thorough and accurate investigation into these claims. Despite my repeated complaints, the bank has not provided any resolution, including the return of the fraudulent funds. The unauthorized charges continue to remain unresolved. Account Ownership and Fraudulent Account Information : I informed Citizens Bank that my checking account ( ending in XXXX ) is a personal account with no authorized users other than myself. I explicitly stated that my personal accounts should not be connected to any business accounts or entities, and that no business account has ever been opened with Citizens Bank, including one under the name XXXX XXXX XXXX XXXX XXXX. Any such account, if opened, is a fraudulent account, as I never authorized such an action. Communication with Citizens Bank : On XX/XX/XXXX, I spoke with a representative from Citizens Bank who acknowledged this information. However, despite this conversation, the bank has failed to take corrective action or offer any resolution regarding the fraudulent transactions and unauthorized charges. FTC & IRS Reports : To further protect myself, I have filed reports with the Federal Trade Commission ( FTC ) and the Internal Revenue Service ( IRS ) regarding the fraud, and these investigations are currently ongoing. However, I have not received any cooperation or updates from Citizens Bank in relation to these filings or any subsequent steps they should be taking under the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
As well as closing my credit cards which was in violation of TILA Account and I am dealing with XXXX on the Credit Cards at Executive Office for Chase. She is also mystified as no rhyme nor reason nor origin so appears a security computer algorithim blunder or hack., She is getting to the bottom of it. 

Chase has also informed me- not to do with XXXX they will be closing my Checking Savings account- for inappropriate behaviour and again there was no inappropriate behaviour. I am a USA citizen and Senior White House Correspondent and photographer. Indeed as you can see attached my SSN account was hacked on XXXX XX/XX/year> and again email hacked XX/XX/year> and I had numerous breaches in between - that match their records. Not only this you can tell its a computer blunder as every time i go in and have pleasant interaction it keeps reposting the same message inappropriate behaviour when there was none. Zero. So the hacks would seem the issue. I have done nothing wrong.,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I am filing a formal complaint against Exeter Finance regarding a vehicle loan I originated in XX/XX/XXXX for a XXXX XXXX XXXX. The loan was originally for 72 months, but was extended to 86 months due to XXXX deferred payments. My maturity date was XX/XX/XXXX. 

As of today, I have made XXXX payments and paid over {$43000.00}, but Exeter is still reporting a balance of over {$20000.00} nearly the full amount I originally financed ( {$21000.00} ). My monthly payment has been {$610.00} throughout the life of the loan. 

I submitted a settlement request via email on XX/XX/XXXX, and followed up again on XX/XX/XXXX. I also spoke to a representative on the phone on XX/XX/XXXX. Despite these attempts to resolve the account after maturity, I was pressured to refinance instead of being offered a written response or resolution. 

Additionally, as of XX/XX/XXXX, Exeter removed the APR ( % ) from my online account summary. Before this change, the APR displayed was 26.43 %. I have attached before-and-after screenshots showing this removal. My original loan contract, also attached, confirms the APR and original terms.

According to the South Carolina Department of Consumer Affairs, the maximum APR allowed for secured personal loans is 29 % fixed. Given the
balance remaining after XXXX+ payments and deferred fees, I believe Exeter is engaging in predatory lending practices, stacking fees and interest in a way that prevents consumers from reasonably satisfying their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I am reporting a dispute I can not process because of Apple and Goldman Sachs setup with the Apple Card. 

My XXXX accidentally purchased an Apple XXXX XXXX using our smart TV for {$9.00} on XXXX The service was never used, and I canceled it immediately. I submitted a refund request through Apple and spoke with a supervisor. I was told the decision was final, even though this was clearly an accidental purchase by a toddler. 

Because the charge was made using my Apple Card, I attempted to file a dispute. However, the XXXX XXXX redirects all disputes involving digital Apple services ( including Apple XXXX ) back to Apple support. There is no option to dispute this charge directly with Goldman Sachs. 

This creates an anti-consumer situation where Apple controls both the charge and the resolution processthere is no way for me to access normal credit card dispute protections. I am effectively trapped in Apples system. 

I am requesting that Goldman Sachs allow direct disputes for charges made using the Apple Card and that this charge be refunded as an unauthorized, minor-made purchase. 

This type of setup violates the spirit of consumer protections that are supposed to exist with credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Dear CFPB Representative, With deep frustration and disappointment, I must say that a false bankruptcy record is still listed and destroying my credit standing. 

I've been disputing this data with the bureaus for years. But most recently and more persistently since XXXXXXXX XXXX  has already removed the bankruptcy because they acknowledged that it was invalid and unverifiable. 

However, both XXXX  and XXXX  continues to report and supply this frivolous data. 

So first, I wrote to the courthouse but didn't receive a response. Then in XX/XX/XXXX, I went directly to the courthouse, along with my notary, and requested specific details on the data that they are reporting. They proceeded to explain that they do not subscribe and nor do they report data to ANY credit reporting agency. So I requested written proof of this and the notary also notarized it.

Attached to this complaint, youll find official, notarized documentation from the bankruptcy court itself confirming that they do not report consumer data to credit bureaus. I even sent this same documentation to the credit agencies and they simply dismissed my evidence.

These credit bureaus are misrepresenting the origin of this data and that directly conflicts with FCRA 609 and 611.

Whats being reported is unjust and unverified. Please help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation