vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
On XX/XX/scrub>, 2025, the company sent a letter admitting : You are not responsible for the balance of the original account. Despite this : They migrated the same debt to a new account number in XX/XX/year>2025. 
On XX/XX/year>, they withdrew {$360.00} via unauthorized auto-charge. 
They later sent account statements falsely claiming the new {$16000.00} debt is valid ( XX/XX/scrub> 2025 letter ). Statements dont override your written admission of debt invalidity. Under FDCPA XXXX ( c ), your XX/XX/XXXX letter supersedes all prior claims. 
They refuse to delete tradelines from credit reports. 
Violations : FDCPA XXXX ( XXXX ) ( A ) Falsely representing debt validity after admission of invalidity. 
XXXX XXXX Withdrawing funds without authorization. 
FCRA XXXX ( b ) Refusing to correct inaccurate credit reporting. 
Demand : Delete all tradelines related to both accounts Cancel {$16000.00} debt Refund {$360.00} + penalties

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 2025-07-20 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: GA

Complaint narrative:
I am an identity theft victim and did not commit the charge. I am respectfuly requestin that u dismis the charge so I culd correct my credit report. I did make a report wit the Federal Trade Commission earlier and I also atached the Federal Trade Commission 's Identity Theft Affidavit. Kindly dismiss the charge immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On the date of XXXX, Capital one would erratically deny totally legitimate purchase from XXXX XXXX web site, leaving me enable to pay for airline flight which I spent hours to select. 

XXXX ) similar earlier payment was authorized fine revealing nature of erraticness and inconsistency. 
XXXX ) the second leg of the plane purchased, the capital would deny erratically and XXXX saying it is unsecured transaction as it is XXXX because why earlier payment was OK. 
XXXX ) for second leg of flight purchase, XXXX XXXX  will forward the verification process through XXXX and having me verify my identity ( which is erratic itself because it is legit ) but even after verification is complete, capitalone will XXXX continued to deny the purchase and this has repeated this time. 
XXXX ) Attempt to reach any live personnel is impossible there were seems some disembodied chat assistant bot which is XXXX  entity i havent seen as it can not understand basic question and instead will fwd to generalized help page.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My existing mortgage is owned by Mr Cooper who is not the original mortgage holder. When I purchased my home I paid the payment amount exactly as that lender specified it was. However after Mr Cooper assumed ownership of my mortgage they said I had under paid and they were raising the payment a huge amount to cover underfunded escrow. My original payment was XXXX per month and Mr cooper began to raise the payment in increments til it was XXXX. With a proposed temporary amount of over XXXX a month! 
I called and tried explaining there was no way I could pay this large an increase and asked for some type of assistance but was told I did not qualify, that I must be 3 months delinquent before they would even look at any program to help me. 
( I had been out of work between jobs for over 2 months and had not fallen behind, but once the payments were increased so drastically I could no longer make them. 
Then I also received notification from my home owners insurance company that my insurance policy on the home had been cancelled due to it not being paid by Mr Cooper. 
I trusted that my mortgage holder will Keep doing their part and paying this until I got things caught up or the loan modified. 
They never notified me of their intent to Not pay my homeowners insurance as they are set up to do. 
I spoke with someone from their company by telephone several times and requested some sort of loan restructuring or modification so the amount of the escrow underfund could be moved to the back of loan but they denied me any opportunity to do so. This is all recorded on phone conversations I had with them on their recorded line. 
I asked to sign the home over once I was 5-6 months behind and mailed out requested paperwork to them and never heard back. 
Now the loan has accrued almost XXXX dollars in fees, interest and other charges because they have not just let me sign this house over. They have not be fair, have not tried to work with me in any real sense to resolve this difficult stressful situation, but rather did little to nothing that would enable me to keep our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am a long-term Amex cardholder. Recently ( appx XX/XX/scrub> 2025 ) I moved from a free product to XXXX with a large annual fee, for more benefits. When I switched, Amex a ) did not keep my auto-pay details, so they charged me an interest fee when the auto-draft did not occur, b ) charged me for a XXXX month even after my auto-pay was reinstated, and c ) did not honor the points award that they advertised ( XXXX points ) and did not provide a reason, despite my excellent credit. I have made multiple attempts to have customer service address and they have been completely uncaring. I am completely disgusted with the way I've been treated as a longtime cardholder. 

The company has refunded the fraudulent interest charges after several protests, but has not honored the points they advertised to me. They are penalizing me for being a long-time customer. I just want the XXXX points that were advertised. Otherwise I will cancel my card and never do business with Amex again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : * XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TO : LVNV Funding LLC P.O. XXXX XXXX XXXX, SC XXXX RE : Final Demand for Immediate Deletion Multiple Accounts Collection To Whom It XXXX Concern, This letter serves as a final legal demand under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g, 1692e, 1692f, and 15 U.S.C. 1681i.

I previously submitted a request for full and complete validation of the following accounts you are currently reporting : LVNV Funding Account # XXXX {$670.00} Collection LVNV Funding Account # XXXX {$1400.00} Collection LVNVFUNDG Duplicate reporting of both accounts listed above To this date, you have failed to provide legally required documentation. 

Let me be absolutely clear : A bill is NOT validation. A balance summary or past-due statement does not meet the federal requirements under the FDCPA or FCRA. 
You are willfully reporting these accounts to the credit bureaus without proper legal validation, which is a direct violation of consumer protection laws and is materially harming my credit file. 

I now demand the immediate production of the following : A copy of the original signed contract bearing my wet signature A complete billing and payment history A flow sheet showing the chain of assignment from the original creditor to LVNV Funding A binding purchase agreement or contract of sale showing legal ownership Proof of licensing to collect debts in the State of Illinois Do not respond with a generic verified notice. If you do not include the specific documents listed above, your response will be considered noncompliant under the law.

If you are unable to comply, you are required to : Permanently delete all related accounts from XXXX XXXX XXXX XXXX  Cease all collection and reporting activities immediately Failure to comply within 15 calendar days will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) A report to the Federal Trade Commission ( FTC ) A grievance filed with the Illinois Attorney Generals Office Civil litigation under 15 U.S.C. 1681n and 1681o for statutory, actual, and punitive damages This is your FINAL NOTICE. If you can not prove it, then by law, you must remove it. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/XXXX I purchased a vehicle using XXXX 's to finance. Upon getting home I found a purchase agreement for the same vehicle dated just 2 weeks previous to another customer. All his information was in the car upon speaking to him I found out he was asked to return the car when his insurance company discovered it had been in an accident in another state and that it had a cracked frame making it unsafe and uninsurable. I contacted the dealer they offered XXXX dollars to keep the car I refused, I never titled the car in my name it never came out of the dealers name. i instructed the dealer to pick up the car after having it inspected to find it did indeed have a cracked frame. They did NOT so it sat in my driveway until XXXX 's puiut itt as a repossession. I had many calls to XXXX 's previously they said it was the dealers issue not theirs. I NEVER made a single payment the wrote off the car for the full amount in XXXX. They have reported an outstanding balance of. {$8100.00} and that the last payment was XX/XX/XXXX but on XXXX it states no payment history available. XXXX 's has had requests for payment history and signed contract in Writing via mail also over the phone and via the internet. Incorrect reporting is affecting my credit score negatively I would like this account removed. I disputed with all three credit bureaus and als XXXX XXXX XXXX it after a long investigation but Experian and XXXX  returned it verified in just under 2 weeks. XXXX is still under investigation Thank you for your time and consideration 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 2025-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a garnishment on my check for the past few weeks from a company called XXXX XXXX claiming that i had an outstanding debt balance from XXXX stating that i opened a XXXX auto loan. But that is impossible for that to happen is because I was only XXXX without a license at the time and in the state of Florida you can not get a vehicle without a license. To think even further I didnt have a learners permit. But i know I received my license at the age of XXXX in XXXX. I never got a credit card from XXXX or a car loan at that. They also said I agreed to and signed a letter saying i will start paying them which is not my signature at all. This is fraudulent activities under my from 25 years ago. If anyone can check the exact date of when I received my license it will match on what I explained. 
They sent the letter of claim of exemption of the garnishment, which i filled out and notarized and was sent it to the court, so they can stop garnishing my paycheck for something is not me. If anyone can help me out with this fraudulent issue it would be very helpful thank you and have a great day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: CA

Complaint narrative:
To fully resolve this matter, I am requesting the following actions be taken by Equifax and the data furnishers : Permanent deletion of the inaccurate late payments associated with the following accounts : XXXX CARD Account Number : XXXX XXXX Account Number : XXXX A formal reinvestigation in compliance with FCRA 1681i ( a ), including a request for verification from the furnishers of credit data that : They issued timely notice to me of any due dates or upcoming late payments. 

They provided dated documentation ( emails, letters, billing notices ) showing they informed me prior to reporting the delinquency. 

If the furnishers fail to verify that such notices were sent, then under FCRA 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ), Equifax must XXXX Immediately remove the late payment entries from my credit report. 

Send a revised and corrected copy of my credit file to me. 

I request that all results and documentation from this investigation be provided to me in writing within 15 business days of receipt of this notice. 

Failure to resolve this will result in further action, including additional complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Attorney General, as well as potential legal claims for damages under FCRA 616.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, Engelhardt Gravens ( mo ) 281 SW 715, 719 1 Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, Engelhardt Gravens ( mo ) 281 SW 715, 719 1 Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-20 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I reviewed my Experian credit report on XX/XX/2025, and was alarmed to find several entries that are inaccurate, incomplete, or not authorized by me. The following accounts are in question : XXXX XXXX XXXX  Account # XXXX Family Support DIV Sacra Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries violate my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. 

As outlined by the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. 

Under 15 USC 1681i ( 5 ), any item found to be inaccurate, incomplete, or unverifiable must be promptly deleted or modified based on the results of the reinvestigation. 

15 USC 1681s-2 prohibits data furnishers from reporting any information they knowor have reason to believeis inaccurate. 

I am formally requesting that you immediately delete all unauthorized and fraudulent accounts listed above from my credit report. These items are harmful to my credit and are reported in direct violation of federal law. 

Please provide written confirmation once these corrections have been made. I expect resolution within the timeframe mandated by the FCRA and appreciate your prompt attention to this matter. 

Sincerely, 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 2025-07-20 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: AL

Complaint narrative:
I reviewed my Experian credit report on XX/XX/2025, and was alarmed to find several entries that are inaccurate, incomplete, or not authorized by me. The following accounts are in question : XXXX XXXX XXXX  Account # XXXX Family Support DIV Sacra Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries violate my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. 

As outlined by the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. 

Under 15 USC 1681i ( 5 ), any item found to be inaccurate, incomplete, or unverifiable must be promptly deleted or modified based on the results of the reinvestigation. 

15 USC 1681s-2 prohibits data furnishers from reporting any information they knowor have reason to believeis inaccurate. 

I am formally requesting that you immediately delete all unauthorized and fraudulent accounts listed above from my credit report. These items are harmful to my credit and are reported in direct violation of federal law. 

Please provide written confirmation once these corrections have been made. I expect resolution within the timeframe mandated by the FCRA and appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
I was scammed out of XXXX for a tatto from a fake artist I found on XXXX I just want my money back nobody wants to help me or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am writing to formally dispute the validity, accuracy, and authorization of the following account and any associated information reported under my name in your database : - Alleged Bank Name : Discover Bank - Alleged Routing/Account Number : XXXX / XXXX - Full Name : XXXX XXXX - Current Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, XXXX  XXXX I am asserting that this account is inaccurate, unverified, and was never authorized by me. I demand that XXXX immediately delete this account from my consumer file and cease reporting or storing any information related to it. 
Additionally, I am requesting the complete removal of any and all information related to my name, XXXX XXXX, that you currently maintain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Abra

Complaint narrative:
Hi, earnestly seeking assistance with reaching ABRA App customer support. I wish to withdraw my crypto from the app. However, the app is not allowing me to transfer my crypto from interest earning account to my trading account. I get the message " The withdrawal of XXXX  is temporarily unavailable. '' Furthermore, the interest rate reads 0 % which means the assets are just stuck in the app. I have tried reaching Abra several times through email and chat support since XX/XX/XXXX but there is no response whatsoever. Other users on XXXX are reporting the exact same issue with the app as well as complete silence from Abra. Some started encountering issue over a month ago, and still no resolution. Desperately seeking help please! 

Transaction date : Almost every day from XX/XX/year> to today, XX/XX/year> Transaction amount : Around XXXX USD worth of XXXX, XXXX and XXXX I have screenshots showing that " withdrawal is temporarily unavailable '' for XXXX, XXXX and XXXX from interest earning account. Thank you very much.

Company response to consumer: Untimely response