vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
To Whom It May Concern : I am in receipt of your repeated form letter responses dated XX/XX/XXXX and XX/XX/XXXX, in which you claim my prior disputes are frivolous or irrelevant. This position is incorrect and in violation of your obligations under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under FCRA 623 ( a ) ( 1 ) ( A ) & 623 ( a ) ( 8 ), furnishers may not report information that is inaccurate or can not be verified. Under FDCPA 809 ( b ), I have the right to request validation of an alleged debt, and you must cease collection and reporting activity until proper validation is provided. 

Your office has not provided any of the following required documentation : A complete copy of the original signed contract or application with XXXX. 

A full accounting of the alleged balance, including all payments, interest, and fees. 

Proof of legal ownership/assignment of this account to Absolute Resolutions Investments , LLC . 

Verification that the tradeline being reported is 100 % accurate, complete, and not the result of identity theft, clerical error, or mixed files. 

Simply repeating that you have already investigated or deem my dispute frivolous does not satisfy federal law. Until you provide the above documentation, you are required to delete or suppress reporting of this tradeline with XXXX XXXX XXXX  and XXXX. 

If you continue reporting unverifiable or inaccurate information, I will have no choice but to : File formal complaints with the CFPB, FTC, XXXX, and State Attorney General. 

Pursue all legal remedies available to me under 15 U.S.C. 1681n, 1681o, and 1692k. 

This is not a frivolous request. It is a lawful demand for validation and compliance. Please treat this letter as a final opportunity to correct your reporting before escalation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA XXXX, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the XXXX XXXX XXXX XXXX ( XXXX ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

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 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC.
State: OR

Complaint narrative:
On XXXX, I used Axos Banks Bill Pay service to send a payment of {$10000.00} to XXXX XXXX XXXX. The funds were debited from my account on XXXX, but the payee never received credit. Axos confirmed the payment was sent as an ACH credit. 

I opened a case with Axos ( Ticket # XXXX ) more than 35 days ago. Despite repeated follow-ups, Axos has not provided proof of credit to the payee, has not refunded my account, and has refused to issue provisional credit as required under 12 CFR 1005.11 ( Regulation E ). Customer service continues to say the matter is under investigation, with no resolution.

Because the distributor required payment, I was forced to issue a duplicate payment out of pocket. This has left me out the original funds plus the replacement payment, creating significant financial harm and disrupting my business operations. I am requesting immediate resolution : either proof that the ACH credit posted to the payees account or a full refund of the original debited amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I am writing to dispute both the charges totally {$1900.00} to my credit card on XX/XX/XXXX and XX/XX/XXXX, and the denial of my claim of fraudulent activity. The charges are in error because I did not purchase these goods and/or services. 

In accordance with 15 U.S. Code 1643 it is on record that I reported fraudulent activity with a FNBO agent on XX/XX/XXXX. A claim was filed and the card was cancelled and a new card issued. I was told the investigation could take up to 60 days and that I would be notified of the outcome. 

In the interim, I was admitted into the hospital on XX/XX/XXXX where I remained until XX/XX/XXXX. While in the hospital I began to receive overdue payment notices via emails, text messages, and phone calls. I was confused. I had brought my account to a XXXX balance prior to when the fraud occurred and owed only $ XXXX recurring autopay to a charity I support monthlywhich I have paid. It was not until I called the disputes department that I was notified that the claim had been denied because The card was in my possession at the time of purchase, and that unless I had proof that it was not me I was responsible for paying the outstanding balance. 

Interestingly, I received a notice from FNBO dated XX/XX/XXXX, informing me that one of the disputes in the claim had deemed fraud and that a credit to my account had been issued for a fraudulent purchase made on XX/XX/XXXX in XXXX to XXXX for {$86.00} with the same card ending in XXXX. No explanation has been offered as to why/how this charge had been proven fraudulent and not the others even though it was made on the same card during the same time period as the other transactions. 

Additionally, according to the aforementioned statue, the burden of proof that it was I who physically made all of these charges rests with the issuer of the card and to date has not been presented. 

I simply just want justice to be served here. Perhaps I can to assist by providing one legal document of proof that I was engaged in a board meeting for the non-profit organization I support for the better part of the afternoon on XX/XX/XXXX. 

Prior to this illegal activity I had a hard-earned XXXX credit score that has now been utterly destroyed. I implore you to correct these errors, and any finance or other charges related to the disputed amount and credited to my account, and that I get an accurate statement.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Dear PHH Mortgage Services : This letter is a Notice of Error and Request for Information under 12 U.S.C. 2605 ( e ) ( RESPA ).

Errors Identified Payments Misapplied Mortgage payments of {$4000.00} were made XXXX XXXX 
XXXX statements confirm receipt, yet balances were advanced to escrow and misapplied as past due, resulting in false delinquency reporting. 
Improper Escrow Handling Escrow disbursements for taxes ( {$4300.00} ) and insurance ( {$2800.00} ) were advanced despite a shortage. 
Rather than properly spreading the shortage, XXXX carried forward a delinquent status, charged late fees, and transferred that error to PHH. 
False Transfer Ledger PHHs XXXX XXXX XXXX statement shows the loan as five months past due ( presently due for XXXX ) with {$20000.00} past due.

This is inaccurate and conflicts with my payment history. 
Credit Reporting Risk Any delinquency reporting based on these servicing errors would constitute a violation of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2. 
Required Actions Correct the loan history to reflect on-time payments XXXX XXXX 
Remove all late fees, shortages, and delinquency entries resulting from escrow advances. 
Provide a corrected account ledger from XXXX XXXX to present. 
Confirm in writing that no negative credit reporting has occurred, or if reported, that corrections will be submitted immediately to all credit bureaus. 
Compliance Pursuant to RESPA, acknowledgment is required within 5 business days and a complete written response within 30 business days. 
Please direct all responses to my mailing address above. 
Sincerely, 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 2025-09-16 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:
This complaint is not an error. My credit report contains inaccurate and potentially unauthorized entries that are damaging my credit and causing ongoing harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XXXX XXXX XXXX I sent {$180.00} through XXXX XXXX to who I believed was my friend for help moving. A fraudster impersonated my friend using his phone number, deceiving me into believing I was sending money to my friend. At the time, the recipients display name was XXXX XXXX with a religious photo, consistent with my friends identity ( see attachment Fraudulent Text 2 ). On XX/XX/XXXX, when the person I believed I had paid did not arrive after multiple texts and calls, I realized something was wrong. I then noticed that the same XXXX XXXX account had changed its display name to XXXX XXXX with a different photo, confirming this was deliberate impersonation ( see " XXXX XXXX XXXX Transaction 1 '' ). 

That morning, I saw the transaction was still pending in my Citizens checking account and immediately called Citizens Bank. I asked multiple branch locations and the Fraud Department ( XXXX ) if they could stop the transaction. I was told repeatedly that they could not cancel it while pending and that I would have to wait until it settled to file a claim. This shows that I acted promptly to protect my account, but Citizens Bank refused to intervene even when the transaction had not yet posted. 

On XX/XX/XXXX, I filed my first claim ( Ref. XXXX ) through the Citizens mobile app, as the Fraud Department had instructed. When I received no follow-up, I called again on XX/XX/XXXX. At that point, I was told they could not initially locate my first claim, so they created a second one ( Ref. XXXX ) and instructed me to email supporting evidence to XXXX. The app itself never indicated that evidence needed to be emailed separately, which delayed my ability to provide documentation. I submitted my formal written dispute with evidence that same day, XX/XX/XXXX. 
On XX/XX/XXXX, Citizens Bank issued provisional credit of {$180.00}, as required under Regulation E. However, on XXXX XXXX XXXX I received a denial letter stating that because the transfer had been completed by the merchant, they would not reimburse me. In effect, Citizens treated this as a valid transaction rather than fraud, leaving me without protection. 

I did not knowingly or willingly authorize a transaction with " XXXX XXXX. '' I was deceived by deliberate impersonation. This is fraud by misrepresentation, not an authorized transfer. Because I reported within one business day of discovery, Regulation E limits my liability to {$50.00}. Citizens has left me liable for the full {$180.00} in violation of federal law. 

XXXX XXXX later confirmed the recipient attempted a refund, but it failed due to a bank processing issue. This shows even the payment platform recognized the transaction as contested. 
I am requesting that the CFPB require Citizens Bank to reopen my case, reinstate my refund, and comply with its obligations under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-09-16 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: CA

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-09-16 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/year> at approximately XXXX, Synchrony sent a debt collection courier to my house to serve me court papers that summon me to court. I was not available when the courier arrived and my girlfriend answered the door. Synchronys courier then disclosed that her visit was in reference to debt owed to Synchrony and that they are suing me. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ).

Synchronys courier disclosed personal debt information to a third party without my permission, knowledge, or consent.

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 2025-09-16 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: TX

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-16 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:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
To Whom It May Concern : I am responding about the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ), I am disputing this debt and requesting full validation.

Please provide the following : The name of the original creditor and the full account number.

A detailed accounting of the alleged debt, including how the amount was calculated.

A copy of any judgment ( if applicable ).

A copy of the original signed agreement or contract creating the obligation.

Proof that your agency is licensed to collect debts in my state, if applicable.

Until you provide this documentation, you must cease all collection activities, including reporting the alleged debt to credit bureaus, or must mark it as disputed if already reported.

Please send your response to the address listed above Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I have disputed the information multiple times with credit bureaus. 
I have mailed Debt Validation.

Debts was not Validated.

Provided proof of Debts not being Validated Mailed Demand for delete to Companies.

No documentation proving assignment or ownership has been provided.

Under 611 ( a ) and 623 ( a ) ( 3 ), unverifiable accounts must be deleted

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 2025-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
My divorce was finalized XX/XX/year>. Part of the decree was that I had 180 days to assume my mortgage on my home. Chase holds the mortgage. I have owned this home for 7 years. I promptly sent in my application, and supplied all documents requested. The case has been reviewed by under writing twice, and sent back to me requesting more documents, several of which I had already supplied. I have called multiple times over the past 7 months. I have been told that it just takes time. I have requested to speak to a supervisor, who is not helpful. I have informed them of the deadline which has come and gone, to no avail. My XXXX XXXX is XXXX and I have an exceptional income, I have never missed a mortgage payment. There is XXXX reason that the assumption of my mortgage should take this long. Every time I call it is a different person, there is no specific team working on my case. I was told there was no Executive Resolution Team. To say I have been frustrated by Chase and this entire process would be a massive understatement.

Company response to consumer: Closed with explanation