vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: National Credit Systems,Inc.
State: MO

Complaint narrative:
I have written, called, and emailed National Credit Systems Inc. to remove the collection permanently from my credit report. I have had this collection removed 6x and they put it right back on my credit report. I have provided to them proof of going to court with the original creditor XXXX XXXX XXXX, and that the judge ruled that I did not owe the debt, and threw out the case. I have sent this on multiple occasions, and even have a recording with someone from National Credit Systems Inc stating that they do have the court order but will not remove the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I am an XXXX servicemember with a mortgage through Rocket Mortgage. During a XXXX XXXX, I faced communication and access challenges that prevented me from logging into my account to correct a payment issue. Rocket Mortgage requires two-factor authentication by text message or app to access the account, which I could not complete while XXXX without mobile service. 

When I received notice that my mortgage payment had failed, I immediately reached out to Rocket Mortgage on XX/XX/year>, to request assistance and an alternative way to make the payment. That same day, I transferred funds into the account to cover the payment. Because of limited communication access and timing delays XXXX, the payment still failed before the transfer cleared. I explained the situation and requested help to resolve the issue. Their only response was that my spouse could make the payment instead, which did not address the underlying access problem. 

After regaining phone service, I called Rocket Mortgage again to follow up and ensure the issue was resolved. This was the second call I made after returning communication access. After returning from XXXX, I provided my official orders and requested both a goodwill adjustment for the one-time late payment and a review under the Servicemembers Civil Relief Act ( SCRA ). My request was initially denied. Later, their executive representative acknowledged that my SCRA documentation was not provided in the initial review and had to be located afterward. Eventually, Rocket Mortgage stated that my 6 % SCRA interest rate cap was applied effective XX/XX/year> ; however, my statements and payment history show no change in the interest or principal amounts, and no visible credit or adjustment reflecting this rate has been applied to my account. 

Despite acknowledging my SCRA eligibility and my good-faith attempts to resolve the issue during XXXX, Rocket Mortgage refused to make any goodwill adjustment or servicemember consideration for the resulting credit impact. This single late payment caused a significant drop in my credit score despite an otherwise perfect payment history and immediate corrective action. I have since caught up on all payments, and my mortgage is current and in good standing. 

Attached are my XXXX orders, email correspondence showing my initial login and payment attempts, the executive office email chain acknowledging the mishandled review, my redacted bank record showing I transferred funds the same day as the payment notice, and my payment history showing no visible SCRA rate adjustment. I respectfully request that the CFPB review this matter and ensure fair consideration under servicemember protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FMA Alliance, Ltd.
State: GA

Complaint narrative:
I just filed a complaint against XXXX XXXX XXXX that said I owed {$620.00} Dollars for the same credit card that FMA Alliance Ltd. is now saying I only owe {$360.00} this is illegal 2 different companies with different information about the only credit card on my credit. I plan on taking legal action against both companies for trying to extort me. 

My first complaint This is the Account # XXXX XXXX XXXX General-purpose credit card or charge card Fees or interest XXXX XXXX XXXX XX/XX/2025 Open Sent to Company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-12 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: MN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Summary of Complaint : I am submitting this complaint regarding Capital Ones repeated denial of my credit limit increase requests across all three of my credit card accounts. Despite maintaining these accounts in good standing for an extended period, Capital One has continued to decline my requests without providing a reasonable explanation. 

Details : I have been a Capital One customer for several years. 

All of my accounts have been paid on time, and I have maintained responsible credit usage. 

It has been quite some time since any credit limit increase was granted on these accounts. 

I have submitted multiple requests for a credit limit review, but they have been consistently declined. 

Capital Ones notifications do not provide meaningful information or justification for the denials. 

Given my consistent payment history and responsible account management, I believe my accounts warrant reconsideration for a credit limit increase. I am requesting the CFPBs assistance in ensuring that Capital One conducts a fair review and provides transparency regarding the basis for these repeated denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing.

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 2025-11-12 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: NC

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
I am disputing the following accounts and information being inaccurately reported on my Experian credit report. These discrepancies are adversely affecting my credit score and need to be reviewed for correction. 

CHARGED OFF 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 2025-11-12 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: GA

Complaint narrative:
the following has been sent to Goldman Sachs several times with no response : I a submitting a formal written complaint regarding the mishandling of my disputes, XXXX, XXXX, that I filed. My original dispute was filed on the basis of deceptive sales practices by the merchant not a billing error. 

Despite multiple submissions of the same documentation and repeated communications with Apple Card Goldman Sachs representative, my disputes were closed in the merchants favor with the explanation that no billing error was found. This response does not address the actual nature of my claim, nor does it meet the requirement for a reasonable investigation as defined under the Truth in Lending Act Regulation Z. 
I have also reached out to your executive office directly but have not as yet received a response. I have reopened the disputes ( XXXX, XXXX ). These new disputes are again requesting the same information that Ive submitted several times which were never acknowledged. I believe that the response I received from Goldman Sachs demonstrates a failure to exercise due diligence and comply with consumer protections under federal law. 
I am requesting 1. That the new disputes ( XXXX, XXXX ) are reviewed for deceptive sales practices. 
2. That I receive written documentation detailing the steps taken and final determination 3. Confirm receipt of all documentation that Ive sent 4. Confirm acknowledgment that the merchant did not send a tech to my home. If the merchant still insists that someone was sent please provide the date, the time and the contact information for the technician that came to my home. 
5. Confirm receipt of the email that the merchant agreed to refund 100 % of my funds but refuses because the merchant states that Goldmans Sachs has the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I am disputing the following accounts reported by Equifax. The details of the accounts in dispute are as follows : Charged Off Accounts XXXX XXXX  Account Number : XXXX Account Date : XXXX Balance : XXXX Late Payments XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: SC

Complaint narrative:
This account is not mine. My husband and I are confirmed victims of identity theft ring with multi state impacts. Unknown individuals have accessed our financial accounts, added themselves to policies, used our medical insurance, and opened multiple credit and loan accounts in our names. An unauthorized party was added to our XXXX profile with power of attorney privileges, giving them unlawful access to our personal and financial information. With this forged document, it gave them access to view, update, and change sensitive account details, access our Social Security numbers, addresses, W-2s, household information, add or remove individuals from coverage, and use our insured benefits. This access also allowed them to impersonate us when interacting with financial institutions and service providers, enabling them to open accounts, verify transactions, and pass identity checks that would otherwise require our personal authentication. This Identity Theft Pattern is fully documented through FTC Identity Theft Reports, Police Reports from South Carolina and Washington, and overwhelming supporting evidence. A suspect has been identified in connection with the hacking of one of our business accounts, with WARRANTS IN-PROCESS ( Officer XXXX XXXX XXXX XXXXXXXX County Sheriffs Office : `` Officer provided this update on XX/XX/year> via phone call '' ). This account was used to arrange an Auto Payment for auto insurance and an auto loan that is NOT MINE. Evidence indicates that while one former domestic partner is connected, the pattern, scale, multi state reach, and nature of the unauthorized access strongly suggest multiple individuals and multiple victims.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I reached out to a organization for rent assistance and they told me they would need a copy of my lease, proof I was falling behind in rent, or proof I needed help with bills which I sent in rent receipt. I was told they would give me XXXX dollars but I had to send in {$60.00} to a cryptocurrency app called XXXX. I was told I had to clear a XXXX within my state into a escrow account to receive the money they were trying to give me. I made the deposit and when everything was processed they told me I had to pay a additional {$60.00} because the amount I sent in was not enough they said I had to send in {$68.00} more dollars to the funds I did not send in extra money. I blocked the person on XXXX and reported the business. The person I spoke with was name XXXX. He asked me when he obtained my personal information what bank would I like to use I gave him my account information with a outside bank I used I'm going to have to close it so he will not try to hack my account. I was scammed. I reported this to FBI. I want my money back. I made purchase on PayPal I was charged {$61.00}.. I filed a dispute within proper timing and PayPal denied my dispute. I feel PayPal made a unfair decision on my dispute. The transaction date is XX/XX/year>. The transaction ID is XXXX. PayPal should help ppl when their customers get caught up in situations like this not allo the crooks get away with their bad behavior. This {$60.00} I lost I could of used for something else important times are hard. I need a supervisor in the dispute department to overlook my problem because the issue didn't resolved with regular workers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MO

Complaint narrative:
Transunion, Experian, & Equifax continue to report a collection on my credit report for XXXX XXXX XXXX XXXX in the amount of {$10000.00}. This collection was previously from XXXX XXXX XXXX, who are apart of XXXX XXXX XXXX XXXX. I have gone to court with XXXX XXXX XXXX over this collection after being served and the judge ruled that I did not owe this money to XXXX XXXX XXXX and threw out the case. I do have the original court documents signed and stamped by the judge and court. I have provided these court documents to Transunion, Experian, & Equifax when disputing the collection on my credit report, but they keep coming back as verified, which is impossible. I have done this 6x with each credit buearu and it is destroying my credit each time they put it on my report. This has caused me not to close on a home, and made me pay significantly high interest rates.

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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
PCS is falsely reporting on my credit. I have never had any accounts with them. Per my research PCS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Northstar Location Services, LLC
State: SC

Complaint narrative:
Northstar Location Services , LLC is attempting to collect upon a dispute debt. The account is fraudulent and was reported as fraud to XXXX. This account was not opened by me or my husband. We have both been impacted by a multi-state ID fraud ring. I am re-submitting my evidence here with the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I submitted my Home Depot credit card payment on XX/XX/year>. I got a notification today that my account was now closed. Upon looking at my Home Depot account, it looks like they tried to take the payment from a old bank account that hasnt been linked on my account for months and that is why the payment wasnt successful. I called to talk to a representative, I believe his name was XXXX, and he told me that was impossible and that I most likely put it through incorrectly. This happened before in XXXX also resulting in a reverse payment.

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