vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
Since XXXX  this collection ( Bolleville collections, XXXX Idaho ) has been sending me bills for the XXXX Idaho XXXX XXXX  for a house I sold. I sold the house and it was protected from collection under the stay. This XXXX Idaho XXXX XXXX  was on the XXXX  schedules and they did not show up to the creditors hearing. The debt was XXXX. XXXX keeps " redacting or aging " the debt which does not align with the actual discharge debt. It states that the discharged debt after the discharge but the ledger it sent me acknowledges the debt discharge and zeroed ( {$0.00} ) out the total debt. I also sent Bonneville a copy of the letter I wrote to the mayor of XXXX Idaho to assist me with this debt because of acute medical and financial hardship. The XXXX forgave the debt as a precaution if there were issues with the bankruptcy and creditors. I sent this information and I even offered to settle with a small amount of money even after the debt was discharged because I needed the adverse information removed so I can get an apartment. I have been in contact with them many times and they ignored my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
As of XX/XX/year> XXXX XXXX collection agency is reporting a debt of {$460.00} this debt has already been paid and I will continue to file a claim until its resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
To Whom It May Concern : I am disputing the accuracy, completeness, and legal compliance of the following account appearing on my XXXX  credit file : Basis for Dispute : 1. Incomplete and Misleading Reporting Numerous months show N/R ( Not Reported ). Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ), XXXX  must ensure all information furnished is complete and accurate. Reporting partial or inconsistent data constitutes non-compliance. 
2. Balance Accuracy Violation The account reflects fluctuating balances after closure, which is factually inconsistent with a true charge-off. FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information known, or that should be known, to be inaccurate.

3. Obsolescence Miscalculation This tradeline is scheduled for removal in XXXX Pursuant to FCRA 605 ( a ) ( 4 ), charge-offs can not remain longer than seven years from the date of first delinquency ( DOFD ) that led to the charge-off. If DOFD predates XX/XX/year>XXXX  ( as the payment history indicates delinquencies as far back as XXXX ), the removal date reported is inaccurate and unlawfully extends the damage period. 

Demand for Action : Conduct a reasonable reinvestigation as required under FCRA 611 ( a ) ( 1 ) ( A ).

Provide documentation verifying the accuracy of the DOFD and all balance reporting.

If XXXX  or the furnisher can not produce legally verifiable documentation, this account must be permanently deleted from my credit file. 

Failure to comply constitutes a violation of federal law, subject to enforcement under FCRA 616 and 617, as well as regulatory oversight by the CFPB.

I expect written confirmation of deletion or full documentation substantiating accuracy within 30 days, as mandated by law.

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 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The address listed is incorrect. I previously contacted a representative regarding this issue, and while it was initially resolved, the wrong information has reappeared.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: NJ

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( 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 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 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 XXXX XXXX XXXX XXXX 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 2025-09-07 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: NJ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
My mom saw a post from a friend on XXXX that her uncle was sick and wanted to sell a bunch of cars for very low prices. Too good to be true prices. I sent them a message via XXXX XXXX  and asked about the vehicle. They asked if we could send a deposit to reserve the vehicle and asked for {$2000.00} dollars. They asked for it to be sent to a different name than my moms friend, but we assumed the funds would be going to the uncle. I then sent the money via Zelle. Then about XXXX minutes later I received a text message from an odd number claiming to be Zelle saying the funds could not be deposited and would be returned to my account within XXXX hours. Then we received a XXXX  message about the refund and they asked if I had XXXX XXXX. I did not send any more money to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: CA

Complaint narrative:
What happened? 
Equifax verified a disputed XXXX XXXX account without providing documentation. They simply parroted what the furnisher said instead of conducting a reasonable reinvestigation as required by 15 U.S.C. 1681i. They even modified dates and account information without evidence, which makes the report inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: FL

Complaint narrative:
I am writing to inform you that I'm a victim of XXXX XXXX, and I am requesting that you take immediate action to ensure my credit report accurately reflects my circumstances. As a result of my situation, my personal and financial information has likely been compromised and there is a concern that fraudulent activity has occurred using 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 non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I had a loan of {$9000.00} with XXXXXXXX XXXX as starting XXXX of XXXX. I made regular payments of {$160.00} bi weekly which was on a payment plan for the next 4 years. In XXXX of XXXX I had made extra money from work and decided to pay off my debt. In the month of XX/XX/XXXX, I made my regular payment of {$160.00} on XX/XX/XXXX and the following additional payments : {$230.00} on XX/XX/XXXX, {$650.00} on XX/XX/XXXX, {$4200.00} on XX/XX/XXXX, {$3500.00} on XX/XX/XXXX. 
My last reported balance for XXXXXXXX XXXX was {$8600.00} as of XXXX of XXXX on all credit bureaus and the report has remained untouched since that time. The amount I paid in XXXX of XXXX was {$8700.00}. My issue with this company neglecting to report my paid off status has prevented me from being able to get financial assistance for helping my wife be a stay at home mom temporarily and is causing tremendous hardship. Below is attached a bank statement of my payments to XXXXXXXX XXXX with the amounts specified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: TX

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 seven 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 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 2025-09-07 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: TX

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 seven 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 2025-09-07 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: NV

Complaint narrative:
Formal Complaint Unlawful and Inaccurate Credit Reporting by Experian, Equifax, and TransUnion To Whom It May Concern, I am filing this complaint against Experian, Equifax, and TransUnion for unlawful and inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). 
XXXX. Fraudulent/Inaccurate Accounts XXXX XXXX XXXX XXXX Auto Loan  ) Fraudulent, tied to XXXX  identity theft. 
XXXX XXXX  XXXX XXXX I have never had an account with this institution. 
XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX Inaccurately reported as late despite being in deferment. This was impacted by the recent Department of Education ( DOGE ) breach of data. 

XXXX. Improper Score Impact Due to the unlawful reporting of the XXXX account as late, my credit score was improperly reduced by XXXX points. This is inaccurate and harmful, as the loan should never have been reported delinquent. 
XXXX. Personal Information Errors My reports contain fraudulent/outdated information : Incorrect names Fraudulent/old addresses in Utah and Washington Outdated employers and phone numbers XXXX. Data Breach Concerns Recent breaches ( Dept. of Education & TransUnion ) compromise the validity of these accounts. Negative data tied to breached systems is unverifiable and must be removed. 
XXXX. Requested Relief I request the CFPB require Experian, Equifax, and TransUnion to : Remove all fraudulent accounts and negative student loan reporting. 
Delete all outdated/fraudulent personal information. 
Correct my credit file and restore my score. 
Provide written confirmation of compliance. 

Thank you for your immediate attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Upon return from a trip to XXXX, I detected two fraudulent charges on my Citi/XXXX  Platinum Select World Elite Mastercard. Upon detecting these charges, I immediately telephoned Citi MasterCard ( XXXX ) to dispute the charges and have a new credit card issued to me. 

The charges were made on XX/XX/XXXX at XXXX XXXX at a location identified on my statement as " Services - XXXX XXXX XXXX  ''. The first charge was for exactly XXXX XXXX XXXXXXXX XXXX XXXX or {$6.00} XXXX dollars. The second charge was for exactly XXXX XXXX XXXXXXXX XXXX XXXX or {$1300.00} XXXX dollars. I suspect that either my card, unbeknownst to me, was skimmed, scanned, or cloned. 

Shortly after disputing these charges, on XX/XX/XXXX, I received a letter from Citi Security Services saying that Citi had completed its investigation of the disputed charges and had determined that I was responsible for the charges. I immediately contacted Citi ( XXXX ) sending an email on XX/XX/XXXX asking that the fraud case be re-opened. In the email, I asked for the address of the vendor where the charge was made and a copy of the signed receipt for the charge. Later, I received a letter backdated XX/XX/XXXX from Citi saying that it had re-opened the case, however since receiving this letter, I have received no further communication from Citi. I sent XXXX subsequent emails on XX/XX/XXXX and XX/XX/XXXX requesting action on my fraud claim and requesting the same information from Citi that I requested in my first email. I have received no responses from Citi. 

In all of my emails, I provided information showing that I was in an XXXX traveling from the XXXX area of XXXX de XXXX to the XXXX area of XXXX de XXXX when the fraudulent charges occurred. The ride lasted XXXX hour and XXXX minutes from XXXX XXXX  to XXXX XXXX. This overlapped the time ( i.e. XXXX XXXX ) at which the fraudulent charges occurred. I provided a copy of my XXXX receipt and a copy of my XXXX XXXX Credit Card statement showing that I paid for this ride. 

This fraud dispute has been very frustrating for me. In my opinion, it has all the hallmarks of credit card fraud, where the fraudster first makes a small charge to see if the card will work, then upon seeing that it works, the fraudster makes a second larger charge. I am shocked that Citi can not even provide me the address of the vendor where the charge was made. Furthermore, in XXXX, all foreigners are required to sign a receipt when they use a credit card. ( Local Brazilians only have to input a pin number ). If Citi could provide me this receipt, it would surely not be my signature. Finally, for the record, I am a XXXX XXXX XXXX retiree whom has no history of disputing credit card charges.

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 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
On XX/XX/year>, I made XXXX transfers with Wise in the amounts of USD XXXX and USD XXXX from the XXXX to XXXX. These transfers were meant to complete the purchase of a property for investment, for which I had already paid a down payment of XXXXXXXX XXXX. 
Wise claims that both transfers were refunded on XX/XX/year>, but only the first transfer of USD XXXX was actually returned to my account. The second transfer of USD XXXX is still missing. Despite numerous contacts with Wises customer support and even their Ombudsman, the funds have not been credited back. 
This has caused me severe financial harm : I can not complete the property purchase, and the sellers are threatening to cancel the deal. 
The money was in my XXXX savings account yielding XXXX XXXX annually, so I am losing about USD XXXX per day in interest since Wise failed to return my funds. 
The U.S. dollar has depreciated nearly XXXX cents against the XXXX  real since XXXX, making the property even more expensive for me. 
It is unacceptable that a regulated financial company continues to hold USD XXXX without any valid reason. I am requesting the immediate refund of this amount. If the matter is not resolved promptly, I will have no choice but to escalate further through legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I am filing this complaint in regards oft fraudulent and unauthorized inquiries and accounts listed on my credit report. I have submitted all supporting documents to all three credit bureaus and have yet to receive any type of resolution. This situation has become extremely frustrating and it's kept me from moving forward with my finances and significantly impacting my credit! From my understanding, these items are supposed to be deleted within 4 days of receipt of the necessary documentation. To date, absolutely no action has been taken and it's no way this could be legal. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered fraudulent accounts listed under my name. These accounts were not opened by me and are the result of identity theft. Because they are inaccurate, they are negatively affecting my ability to obtain credit.

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 2025-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
On XX/XX/year>XXXX  I was contacted by representative from achieve loan company explaining to me my loan payment was due and late. They also listed my payment as late and due, which was incorrect because I have automatic pay so at the date and time they were contacting me the funds were available to pay my monthly fee timely. This was a blatant act of fraud against my credit the fair debt Collection practices act FDCPA 15 SC 1692 applies if a debt collector is attempting to collect in a way that violates law my account should be XXXX  out by Achieve Due to this horrific act of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: TRUHOME SOLUTIONS, LLC
State: CA

Complaint narrative:
-Summary -- I am filing this complaint regarding a fraudulent payoff and mishandling of my VA-backed home loan, which directly violated my federal protections under 38 U.S.C.5301, RESPA, HUD regulations , and related consumer protection laws. My loan servicers, including Planet Home Lending and TruHome Solutions, unlawfully stripped over $ XXXX + in equity, failed to provide notice or proper disclosures, and disregarded my VA XXXX protections. These actions caused severe financial, emotional, and personal harm, while multiple agencies and courts have been provided with my XXXX, VA award XXXX, and deed documents but failed to stop the fraud. Please see attachment ( s ) for further details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation