vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
b'I was called this morning by a number listed on my caller ID as Fifth Third Bank with the number XXXX XXXX XXXX  when I called them back they had the exact same automated system as fifth third with the same voice and everything. Just like fifth third\'s automated system it immediately asked me for my social security number or card number before accessing my account. I put in my social security number and when I got hold of a "representative" I couldn\'t really understand their accent and I could hear talking in the back ground both of these things made me suspicious so I hung up and called the number on the back of my debit card and asked the representative on that line if the previous number was affiliated with Fifth third and they told me that the number wasn\'t affiliated with them and they gave me this sight to report the matter.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Your Name ] [ Your Address ] [ Your City, State, Zip Code ] [ Date ] [ Insert the Creditors address ] To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
XXXX I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
XXXX Sincerely Client First & Last Name Send unis let collection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT XXXX 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 2025-11-13 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: Ava Finance, Inc
State: IL

Complaint narrative:
Ava finance is a app that has no phone number to contact a real person I used the app and set autopay with my bank account I had enough funds available to make my XXXX $ payment the app had some kind of problem and would not try to take the payment now the account was marked as late and should not have been I tried to contact someone in the company and could not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Name : XXXX XXXX Mortgage account number : XXXX Mortgage company : Freedom Mortgage Hello I need to submit a complaint and request your help in resolution of this matter with Freedom Mortgage. 

I had switched my home insurance and during this switch, the information provided to mortgage was slightly delayed. Due to which, the Mortgage company put an escrow on my account and added Insurance charges. I then provided the new insurance information to them but their escrow analysis still seems to be incorrect and they keep charging me extra amount. XXXX bill had extra charges of over {$98.00} and going forward they continue to show escrow balance despite me having my own insurance coverage on the property. 

They are extremely unruly and not able to assist me, hence this complaint. 

Hoping for some assistance.

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 2025-11-13 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: CA

Complaint narrative:
My federal student loans were forgiven under PSLF on XX/XX/year>. XXXX has not updated the {$0.00} balance to any credit bureau, and they are not answering the phone. I submitted to the Department of Educations Feedback Center but the issue was not addressed. I am requesting intervention to remove or correct the inaccurate tradeline

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went in person to open an account with Chase bank. They said I had a balance from a previous account I needed to pay and I agreed. Two days later at XXXX ( I had email proof of this ) they decided to close my account with my funds in it. They said they decided to stop doing business with me in XXXX. So I asked why did they let the private banker open an account with me and deposit a check for over {$10000.00}. They said they didnt know. So I asked for my funds back they said they needed to verify with the bank it came from ( its a tax refund check that I received from XXXX ) they verified it once and then said they needed to verify again before I was able to even POSSIBLY pick it up from a branch. Its been over a week since Ive had any idea where this check is or when Ill be able to access it. They made me lose out on a new lease on a new apartment and now I cant pay any bills my phone is currently off because I can not pay any bills because of what theyve done to me the past two weeks. I opened my account on XXXX XXXX XXXX with private client banker named XXXX and was continued to be helped by a private client banker named XXXX XXXX. they also sad that it will take days to close My account and access my funds so now its just restricted so i will never be able to know when they close the account because they can not tell me when and the closure of the account is the only way they will release my funds to me. also XXXX XXXX wrote a detailed complaint for me to escalations and still have yet to hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I hereby assert that the false late payment entries on my accounts are in direct violation of 15 USC 1666. I have consistently made all payments on time, and any errors reflected in this reporting are both unlawful and unfair.

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 2025-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
XXXX XXXX XXXXXXXX opened their store card in my name which I was aware of but also opened a XXXX credit card in my name without my knowledge or approval. No where in the application did it say I was applying for anything else. 

XXXX I received a XXXX  credit card in the mail as well as the XXXX card. I called to cancel the XXXX  credit card and asked for it to be taken off my credit report. They told me that with XXXX it is a waterfall effect so if you dont get approved for the XXXX  they also apply for the XXXX. I said I was never told this and was approved and processed for both when I only used the one credit card. They closed the card but declined to take it off of my credit report right away. I am worried they wont.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MO

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
failure to maintain maximum possible accuracy 1681e ( b ) : XXXX  continues to report inaccurate or unverifiable derogatory items, including accounts marked as charged off or collection despite prior disputes and lack of verification. Examples include : Capital One Auto Finance shows charged off and {$14000.00} past due ( no proof of debt or contract ). 
XXXX XXXXXXXX XXXX ( 2 accounts ) both charged off for {$450.00} and {$1000.00}, reported after disputes. 
XXXX XXXX XXXX and XXXX XXXX XXXX listed as debt buyers with unverifiable collection balances, which have not been validated under 1692g of the FDCPA. 
2. Continued reporting after dispute 1681i ( a ) : XXXX  marked multiple accounts as Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) yet failed to remove or correct the entries following reinvestigation. 
3. Reporting accounts without permissible purpose 1681b : XXXX is reporting debt buyer accounts ( XXXX XXXX, XXXX XXXX ) without my authorization or signed contract establishing permissible purpose. 

4. Failure to block fraudulent information after notice 1681c-2 : An active fraud alert dated XX/XX/year> remains on file, but XXXX continues to report potentially fraudulent accounts opened or updated after that date. 

5. Emotional and financial distress : Due to these inaccuracies, my credit score has been significantly reduced ( FICO Score 8 : XXXX ), leading to denial of credit, higher insurance rates, and emotional distress. 

6. DUe to government shutdown I am unable to process a FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter serves as my third formal dispute and demand for correction of inaccurate personal identifying information appearing on my Experian credit file. Despite two prior disputes in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., Experian has failed to properly investigate and correct the erroneous personal data that continues to appear on my report. The formal letter identifying the incorrect data is attached.

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 2025-11-13 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 dispute multiple items that appear on my credit report and are inaccurately reported. Below are the details of the accounts in dispute, which I believe are violating the Fair Credit Reporting Act ( FCRA ). I request that these items be thoroughly investigated and corrected as necessary. 

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 non-monetary relief
Consumer complaint received 2025-11-13 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: OneMain Finance Corporation
State: AL

Complaint narrative:
I am submitting this complaint because multiple unauthorized hard inquiries remain on my credit report despite my formal identity theft dispute and supporting documentation being received by your bureau on XX/XX/year>. 

These inquiries were made without my consent by creditors I have never applied with and are the result of verified identity theft, supported by the following documentation : XXXX Police Department Report # XXXX FTC Identity Theft Report Copy of my government-issued ID Copy of a current utility bill confirming my address Despite providing this complete package and filing CFPB complaints previously, these unauthorized inquiries have not been deleted from my file. 
Under FCRA 605B and 611, credit bureaus are required to block and remove all information that results from identity theft once a valid identity theft report has been received. 

These inquiries continue to cause me harm by lowering my credit score and affecting my ability to obtain legitimate credit and open financial accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I am submitting this complaint because multiple unauthorized hard inquiries remain on my credit report despite my formal identity theft dispute and supporting documentation being received by your bureau on XX/XX/year>. 

These inquiries were made without my consent by creditors I have never applied with and are the result of verified identity theft, supported by the following documentation : XXXX Police Department Report # XXXX FTC Identity Theft Report Copy of my government-issued ID Copy of a current utility bill confirming my address Despite providing this complete package and filing CFPB complaints previously, these unauthorized inquiries have not been deleted from my file. 
Under FCRA 605B and 611, credit bureaus are required to block and remove all information that results from identity theft once a valid identity theft report has been received. 

These inquiries continue to cause me harm by lowering my credit score and affecting my ability to obtain legitimate credit and open financial accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: EQUIFAX, INC.
State: IN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-13 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: IL

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 2025-11-13 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: IL

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a fraud dispute on my XXXX XXXX credit card on XX/XX/year>, regarding a {$600.00} charge from XXXX ( Case ID : XXXX ). According to XXXX terms, the case was supposed to be resolved by XX/XX/year>, but it is still pending. 

During this time, I contacted XXXX chat support twice and sent an email to the Dispute Center, but I never received any update or response. Today, after nearly 90 days, I contacted chat again and XXXX representative informed me for the first time that my dispute was not processed because it was created while the transaction was still pending. 

XXXX never notified me that the dispute was invalid or required resubmission once the charge posted. As a result, I have lost almost three months waiting with no action taken.

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 2025-11-13 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: NC

Complaint narrative:
An account i never opened is showing on my credit report. I tried to fix this issue with the company but was not successful. Below is the account details : XXXX. XXXX XXXX XXXX {$420.00}

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 2025-11-13 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: TX

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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