vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: GA

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXXXXXX * * * *, XXXX XXXX - XXXX * * * *, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCU - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.

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 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
They froze my account and have denied access to my money arguing they dont have my id. Ive e mailed it 3 times and now they say they have it but their records need all my documents verified. I am traveling and there is no branches of Citibank in XXXX XXXX, Ca. I cant provide the info they need with the XXXX  they sent and they wont let me write a check to leave their bank and move to another bank. Basically they froze my account without reason and without a legal right to do it and they dont let me leave their bank bank.

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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I had a credit card from XXXX, and they closed my account. Back in XXXX of 2024, I made my last payment with them. While checking my credit report, I noticed that it said my account was closed. I had spoken with them months before getting my account back in order because I was experiencing some hardship, and I could do that with the {$52.00} payment, but they said they would match. I made the payment in XXXX and continued to make my payments on time until XXXX. When I rechecked my credit report in XXXX, it said that I had too many late payments for XXXX and XXXX and that it was current. Still, my account was closed. I gave them a call and asked them what was going on. They said it takes about 30 days. I checked again around the end of XXXX. It was changed, saying that XXXX and XXXX were late, but XXXX and XXXX were paid, and in that same month, my account was closed. It was now starting to say that XXXX was becoming late. I didn't pay XXXX because my account kept saying closed, and when I tried to make a payment online, it wouldn't let me. I called them to ask why my account had been closed since XX/XX/year>, and why they kept asking me for payment. They said that because the account isn't closed. I called them again because it's still saying that my account is closed since XX/XX/year> and my credit report and charged off but they kept giving me the runaround I told them I would not make be making any more payments to them because you all are saying that my account is closed and they need to stop calling me. I disputed the information, and they still changed it, so I just left it alone. I can't keep seeing these bad marks on my account. They keep calling me, and they're still calling me to this day. I don't understand if they decide to close my account and aren't letting me make payments, why are they still asking me for payments and sending me notifications about payments not being paid when they keep changing my credit report, and to the extent they want. This credit card company is playing too many games. I wish I had never gotten them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-24 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: IL

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAU is required to remove any items not later than 4 business days after the receipt. Deleted this NOW! 
XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6500.00} XXXX XXXX  XX/XX/year>

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 2025-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Freedom Mortgage for what I believe to be deliberate and negligent actions that caused me to miss a critical deadline for the XXXX XXXX XXXX XXXX ( XXXX ) program. Their actions have directly harmed my ability to secure assistance under a federally backed housing protection initiative. 

Despite submitting all necessary documentation for a VA loan modification months ago, Freedom Mortgage continuously stalled the process without justification. They repeatedly claimed that they were waiting on a title report ; however, I have independently confirmed through a title company that no lien exists on my property. The servicer falsely alleged that a XXXX was present, using that as a pretext to delay the process. 

It has become clear that this delay was strategic. Freedom Mortgage had full knowledge of the XXXX program deadline and failed to act with the urgency or transparency required. I believe they intentionally stalled the process to ensure I would miss the window to be eligible for the XXXX relief option. This is not only unethicalit borders on fraud. 

XXXX Mortgages false statements, misrepresentation of facts, and failure to act in good faith are in direct violation of fair servicing practices. Their misconduct has placed me at serious risk of foreclosure and financial harm, despite my efforts to work within the system and seek modification in good faith. 

I respectfully request that the CFPB : 1. Investigate Freedom Mortgage for unfair and deceptive servicing practices.

2. Demand an explanation for the false lien allegation.

3. Determine whether their delay in processing was an attempt to prevent access to the XXXX program. 
4. Assist in any remedy that would allow me to still qualify under the XXXX protections or receive equivalent relief. 

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed On my EQUIFAX credit report, the following XXXXXXXX XXXX  ACCOUNT NUMBER XXXX XXXX information is NOT ACCURATE. My payemnt and information was not being reported accurately. 

The CLOSE DATE information is NOT ACCURATE : Transunion lists account CLOSED : XX/XX/XXXX Equifax lists account CLOSED : XXXX XXXX Experian lists account XXXX XXXX The Late payment information is NOT ACCURATE. 
Transunion : lists account XXXX - XX/XX/XXXX Equifax lists account LATE : XX/XX/XXXX - XX/XX/XXXX. 
Experian lists account XXXX XXXX. 

The PAYMENT STARTING INFORMATION is NOT ACCURATE. 
Transunion lists payments starting XXXX Equifax lists payments starting on : none listed Experian lists payments starting on XXXX XXXXXXXX I am now requesting you investigate and delete this account due to inaccurate information being reported.

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 2025-04-24 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed On my EQUIFAX credit report, the following XXXXXXXX XXXX  ACCOUNT NUMBER XXXX XXXX information is NOT ACCURATE. My payemnt and information was not being reported accurately. 

The CLOSE DATE information is NOT ACCURATE : Transunion lists account CLOSED : XX/XX/XXXX Equifax lists account CLOSED : XXXX XXXX Experian lists account XXXX XXXX The Late payment information is NOT ACCURATE. 
Transunion : lists account XXXX - XX/XX/XXXX Equifax lists account LATE : XX/XX/XXXX - XX/XX/XXXX. 
Experian lists account XXXX XXXX. 

The PAYMENT STARTING INFORMATION is NOT ACCURATE. 
Transunion lists payments starting XXXX Equifax lists payments starting on : none listed Experian lists payments starting on XXXX XXXXXXXX I am now requesting you investigate and delete this account due to inaccurate information being reported.

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 2025-04-24 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed On my EQUIFAX credit report, the following XXXXXXXX XXXX  ACCOUNT NUMBER XXXX XXXX information is NOT ACCURATE. My payemnt and information was not being reported accurately. 

The CLOSE DATE information is NOT ACCURATE : Transunion lists account CLOSED : XX/XX/XXXX Equifax lists account CLOSED : XXXX XXXX Experian lists account XXXX XXXX The Late payment information is NOT ACCURATE. 
Transunion : lists account XXXX - XX/XX/XXXX Equifax lists account LATE : XX/XX/XXXX - XX/XX/XXXX. 
Experian lists account XXXX XXXX. 

The PAYMENT STARTING INFORMATION is NOT ACCURATE. 
Transunion lists payments starting XXXX Equifax lists payments starting on : none listed Experian lists payments starting on XXXX XXXXXXXX I am now requesting you investigate and delete this account due to inaccurate information being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Around XX/XX/year> there were unauthorized transactions on my account using my debit card at several atm machines. I filed a report with law enforcement and a dispute with capital one. My dispute was denied and I was told by capital one that due to my card being used at several ATM machines they could not review cameras from other banks to see who used my card and could not refund my money. However, over the holidays after reviewing these transactions I noticed that in XX/XX/year> one of these unauthorized transactions were done at a capital one atm. So capital one had blatantly lied in an effort to avoid acknowledging evidence that my card was compromised. After writing my last complaint # XXXX capital on responded acknowledging that they failed to review the camera to see who used my debit card and just denied my claim. They stated that the camera had since been reviewed and that they were still denying my claim. How can my claim be denied after reviewing the camera and seeing it was not me at the atm? They stated that if I wanted documentation I could call and request it. I did request this information. Now after 3 more months I havent received anything and they refuse to talk to me when I call. If they have the camera footage of who stole my card and used it why wont they give it to me so I can add it to my police report and why are they refusing to give me a reason for denying my claim when they know someone else was using my card at the ATM. Capital one is now aiding this criminal in the crime of stealing my money as they are refusing to provide me with information to that they have to report or prosecute this theft. I want all the documentation from this investigation and I want in writing why my claim is being denied. Other than them just saying after reviewing our investigation supports a denial of the claim. I want in writing a specific reason why they know someone used my card and wont refund my money. And I want to know who this person is that they are aiding by keeping their identity from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

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 2025-04-24 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: PA

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding inaccurate and unverified items on my credit report. I am reiterating that the original accounts listed on the letter remain unresolved despite my earlier correspondence :

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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-24 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: FL

Complaint narrative:
XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX Re : Validation for Acct # XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. 
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? 
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: FL

Complaint narrative:
This collection agency is reporting on behalf of another company. They have an account in collections on my report but can not validate that I owe them this debt and amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retail Merchants Associates
State: LA

Complaint narrative:
This is a formal reinvestigation request concerning an alleged medical debt reported by Retail Merchants Association Inc. I previously submitted a debt validation request under 15 U.S.C. 1692g ( b ) of the FDCPA, to which the company responded with a generic letter claiming verification through the original creditor. However, they failed to provide legally required documentation, including a signed agreement, itemized billing, or proof of assignment. 

Importantly, this debt pertains to XXXX XXXX. As of XX/XX/year>, the Consumer Financial Protection Bureau 's final rule amending Regulation V prohibits consumer reporting agencies from including medical debt information on credit reports and bars creditors from using such information in credit decisions. This rule aims to eliminate coercive debt collection practices and protect consumers from inaccurate medical billing. 

By continuing to report this medical debt, Retail Merchants Association Inc. is in violation of : FDCPA 809 ( b ), 15 U.S.C. 1692g ( b ) Failure to provide adequate debt validation.

FCRA 623 ( b ), 15 U.S.C. 1681s-2 ( b ) Failure to correct or delete inaccurate or unverifiable information. 

CFPB 's 2025 Regulation V amendment Prohibiting the inclusion of medical debt on credit reports. 

Their actions not only disregard federal law but also perpetuate the very practices the CFPB 's rule seeks to eliminate.

Company response to consumer: Closed with explanation