vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: GA

Complaint narrative:
XX/XX/XXXX, I entered to agreement for a disaster loan agreement with flagstar bank to pay lower monthly payments for a certain amount of time in which they approved in writing, while on the agreement they transferred my mortgage to another lender XXXX XXXX XXXX XXXX in XX/XX/XXXX while on the modification in which both honored the agreement, in XX/XX/XXXXXXXX XXXX XXXX reported my account late of 120 days which is not true every payment was made on time my payments where transferred to XXXX XXXX XXXX XXXX  once they received all payments they applied my payments correctly once the account transfer was completed. I was told in writing via agreement letter and phone that they do not report any negative reporting to any agencies because of the agreement that was placed on the account. I have contacted XXXX XXXX  and to avail was not successful in removing this harmful reporting because they no longer have my account. I am asking the credit agencies to have this reporting deleted as it was reported in error while on a written agreement.

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 2025-10-26 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: DE

Complaint narrative:
To Whom It May Concern, This is now my third and final notice regarding inaccurate late payment entries that remain on my credit file. Despite my previous disputes and your legal obligation to maintain accurate reporting, you have failed to delete or correct the entries in question. This ongoing failure constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws.

This account was always paid as agreed. The reporting of a late payment is inaccurate and must be corrected. This constitutes a billing error under 15 U.S.C. 1666B.

No notice of any due date or missed payment was received, violating fair notice requirements under the law.

Accounts in Dispute : 1. Validate Account XXXX Account XXXX : XXXX - 2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXXXXXX Account Number : XXXX - XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account XXXX : XXXX - XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account XXXX : XXXX - XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account XXXX : XXXX - XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account 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 2025-10-26 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: NJ

Complaint narrative:
There are unauthorized hard inquiries on my credit report that I did not approve or authorize. I am requesting that these inquiries be investigated and removed. 

INQUIRIES : XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-10-27 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: DE

Complaint narrative:
To Whom It May Concern, This is now my third and final notice regarding inaccurate late payment entries that remain on my credit file. Despite my previous disputes and your legal obligation to maintain accurate reporting, you have failed to delete or correct the entries in question. This ongoing failure constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws.

This account was always paid as agreed. The reporting of a late payment is inaccurate and must be corrected. This constitutes a billing error under 15 U.S.C. 1666B.

No notice of any due date or missed payment was received, violating fair notice requirements under the law.

Accounts in Dispute : 1. Validate Account XXXX Account Number : XXXX - 2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX - XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account XXXX : XXXX - XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account XXXX : XXXX - XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account XXXX : XXXX - XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account 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 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Sunrise credit services XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : request for debt of validation-Amount {$450.00} Dear, Sunrise credits services I am writing in response to a notice I received regarding an alleged debt in the amount of $ XXXXThis letter is a formal request for VALIDATION OF DEBT, has provided under fair debt collections practices act ( FDCPA ) ,15 USC 1692g. 

Please provide the following information : XXXX. The name and address of the original creditor. 
XXXX. The account number associated with the alleged debt. 
XXXX. A detailed statement showing how. The amount of {$450.00} was calculated. 
XXXX copies of any contracts, agreements, or other documents bearing my signature showing that I agreed to assume this debt. 
XXXX. Proof that your company is authorized to collect this debt in my state. 
XXXX. The date of the alleged debts origination and the date of the last payment made ( if any ). 

Until you provide The above documentation, I do not acknowledge or accept responsibility for this alleged debt. additionally, please cease all collection activities and refrain from reporting this account to any credit reporting agencies intill the debt has been properly validated. 

Please respond to this request within XXXX days of receiving this letter. 

Sincerely,

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 2025-10-26 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Insert stolen from Wells Fargo. Refused to give me information how how to file a complaint and restore the indentyu 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 2025-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
I Requested a verification that the agencies has contacted the correct person. This request was send certified to all debt collectiors on my credit file. I also sent certified to all 3 major credit b

ureaus A Formal Dispute Failure to Substantiate Reported Collection ( No Parking Letter ) and added the letters I send to the debt collectors as well.

I Asks for proof of the debt, including : The name and address of both the original creditor and the current creditor.

Evidence of the amount owed and any contract or agreement that created the debt. 

Documentation showing how the debt was transferred or assigned from the original creditor to the current creditor. 

Proof of whether the debt was securitized ( sold or packaged as part of a financial instrument ) and any subsequent transfers. 

Invokes rights under the Fair Debt Collection Practices Act ( FDCPA ) specifically requesting that the agency cease collection efforts until proper validation is provided. 

Requests that the agency not access or report to credit bureaus and that any existing credit reporting reflect the dispute. 

Demands a statement of the permissible purpose if the agency has accessed their credit report. 

Notifies that if the debt is transferred to another collector, the dispute must also be communicated to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: GA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of 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 2025-10-26 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/year>, I received an email from Chime notifying me that the email address associated with my account had been changed without my authorization. When I attempted to log into my Chime app, I was locked out. I immediately called Chime customer support, verified my identity using my Social Security number, and had my contact information restored. At that point, I learned that nearly all the funds in my account were gone and only {$1.00} remained. 

A fraudulent transaction for {$2000.00} to XXXX XXXX XXXX had been processed. This was my financial aid and housing income. I immediately informed Chime that the transaction was unauthorized, and they opened a dispute once the funds settled on XX/XX/year>. Chime told me it could take up to 90 days for a decision and that I would be eligible for a provisional credit by XX/XX/XXXX. 

I submitted multiple pieces of supporting evidence, including : - Screenshots showing the unauthorized email change to an address I do not own. 
- A notification from Chime showing an unknown device in XXXX XXXXXXXX accessed my account ( I live in XXXX, Washington, over XXXX miles away ). 
- A police report filed with the XXXX Police Department on XX/XX/year>. 
- A detailed letter outlining the entire incident and referencing both my dispute and police report case numbers. 

Despite all this evidence, Chime denied my dispute on XX/XX/year>, XXXX days before I was supposed to receive the provisional credit they said I was eligible for. When I called to appeal, the dispute was reopened, but Chime still failed to provide transparency. I requested documentation showing how they determined the denial, and instead of receiving any supporting documents, I was sent a generic link explaining how to submit dispute evidence, which I had already done. 

Chime has since requested that I submit a hard copy of my police report ( which I am now waiting for ) and proof of my location on XX/XX/XXXX. I have photographic proof showing I was in XXXX at that time. 

I believe Chime failed to : XXXX. Flag or block an obviously suspicious transaction ( a sudden {$2000.00} charge to an unfamiliar merchant after an unauthorized login from across the country ). 
XXXX. Properly investigate my dispute or provide the documentation they used to deny it. 
XXXX. Follow their own stated process regarding provisional credit. 

Because of this, I lost access to over {$2000.00} that was meant for essential expenses as a student. I am asking the CFPB to ensure Chime properly investigates this fraud claim, provides full reimbursement of the stolen funds, and explains the rationale behind their initial denial.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
XXXX from the Phoenix Group continuously tried to contact me regarding a debt, and I continuously denied to provide any information. She has called me multiple times regarding this incorrect amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I filed a dispute with TransUnion challenging the completeness and accuracy of the payment history being reported by XXXX XXXX XXXX The investigation results from TransUnion came back stating that the information had been verified, yet the results themselves contain multiple inconsistencies that clearly demonstrate violations of the Fair Credit Reporting Act ( FCRA ). 

In addition, I sent a certified written request to XXXX XXXX asking for detailed account information and supporting documentation, including the date the account was opened, the date of last activity, the date of first delinquency, the payment history, and all billing statements. To date, I have not received any response or documentation. This lack of response violates FCRA 623 ( a ) ( 2 ) and 623 ( b ) ( 1 ) ( A ), which require furnishers to investigate and correct incomplete or inaccurate data when a consumer makes a direct written request. It also violates 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), which requires a furnisher or collector to provide verification of the account upon written request. 

The TransUnion investigation results list the last payment made as {$0.00}, but the most recent credit report from XX/XX/year> shows that an actual payment was made in XXXX. Furthermore, the same investigation results state that the account was current as of XX/XX/year>, which directly contradicts the reported zero-dollar payment entry. This means a payment must have been made for the account to reflect a current status in XXXX. 

Additionally, the TransUnion results show that payments were made in XX/XX/year>, while the most recent credit report reflects the last payment being made in XX/XX/year>. These discrepancies prove that TransUnions reinvestigation process was not conducted properly and that XXXX XXXX has not provided accurate, consistent, or verifiable account information. The ongoing inconsistencies in balance, payment history, and delinquency status constitute violations of FCRA 607 ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy of the information they maintain and publish. 

If XXXX XXXX claims to have verified this information, I am demanding documentation of how this verification was completed, including who was contacted, what evidence was reviewed, and how the data was confirmed. If this information can not be substantiated with verifiable proof, this tradeline must be deleted from my credit report immediately in accordance with FCRA XXXX ( a ) ( XXXX ) ( A ).

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 2025-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
On XX/XX/year>, I received ambulatory services from XXXX XXXX XXXX ( XXXX XXXX XXXX ). My medical insurance, XXXX, was billed and XXXX received a check as payment. I've attached the XXXX XXXX which reflects the information of payment and the check number : * XXXX. XXXX XXXX XXXX continued to attempt to bill me and denied payment was received. Credence Resource Management now has the account and has continued to attempt to collect the alleged debt. I filed a dispute with Credence and provided the XXXX XXXX as proof of payment however they " verified '' the charges on my account were valid. 

I've attached the bill from XXXX which reflects the amount due of {$4900.00}. 

I've attached the XXXX XXXX form which confirms payment along with the check number and account number to confirm with XXXX account number. 

I've attached the dispute investigation response from Credence Resource Management.

Company response to consumer: Closed with non-monetary relief