vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain. 

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$7400.00} Date Opened : XXXX INCORRECT ADDRESSES LISTED : XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INCORRECT NAMES LISTED : XXXX ) XXXX XXXX XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Home Depot and Citi Bank are misleading and overcharging all its consumers to inflicit, 33 % interest on 0 % interest promotions.

How to pay off interest free promotional balances. And they have made it impossible to pay it online, or over the phone. 

They promoted access payments go to promo balance ; now it goes to other balance, which is interest barring first. Never said that on site ; now that information has been removed from the site. 

This is very unethical, and stealing from the consumer!!

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 2025-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I refinanced my new auto loan from XXXX XXXX XXXX XXXX Navy Federal Credit Union in XX/XX/XXXX. The instructions provided by both banks were unclear at the time with regard to the lien release process. XXXX sent me a letter on XX/XX/XXXX indicating that they had sent my original vehicle title certificate and/ or lien release document to NFCU. I then sent in the XXXX XXXX form to NFCU, which authorizes Navy to put a new lien on the car. Throughout the summer, I received notices from Navy indicating that they had not received a title with their lien listed from the DMV. To my knowledge, between the form I sent them and the paperwork XXXX sent them, they had everything they needed and were likely waiting on the XXXX DMV to process the paperwork. In XX/XX/XXXX, I received notice that my interest rate was being increased from 4.9 % to 14.29 %, resulting in a monthly payment increase of {$110.00}. I contacted NFCU and they said that they had NOT received the title, so I needed to order a duplicate from the XXXX DMV and send it to them, along with a new DMV-900 form required to transfer the lien. I ordered the title and mailed it to them immediately. They then sent me the DMV paperwork AGAIN, saying that they now had the title but not the DMV paperwork. I submitted the DMV paperwork for the 3rd time in XX/XX/XXXX. I contacted them again on XX/XX/XXXX to ask what else was needed, and NOW theyre saying that they dont have the lien release from XXXX and that I need to contact XXXX  I replied and shared a copy of the XX/XX/XXXX letter from XXXX that clearly indicates this was sent to Navy. At this time, I have no clear understanding of how to move forward and despite my excellent credit rating, Im continuing to pay a 14.29 % interest rate on my new car. I also can not refinance to another bank because Navy has ALL of the paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: WA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : 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

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 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Cease and desist from these people calling and harassing me to pay a debt i do not owe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: IL

Complaint narrative:
l 've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-11-08 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
To : LVNV Funding LLC P.O. XXXX XXXX XXXX, SC XXXX RE : Validation of Debt Request Dear LVNV Funding LLC, I dispute your reporting of account {$660.00}, opened XX/XX/year>. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Uniform Commercial Code, I demand strict validation of this alleged debt.

Provide the following : 1. Original signed contract.

2. Full accounting and itemization of the alleged balance.

3. Proof of assignment and ownership of the debt.

If you can not validate, you must delete this account from all credit bureaus immediately. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
LVNV Funding LLC, through their law firm XXXX XXXX XXXX XXXX XXXX, is attempting to collect an inflated balance on a judgment originally entered on XX/XX/year>, in XXXX XXXX, Arkansas ( Case reference XXXX File No. XXXX ). 

The original judgment was {$13000.00}, plus {$290.00} in court costs and {$1300.00} in attorneys fees, for a total of {$15000.00}. The judgment also specified post-judgment interest at the Federal Reserve primary credit rate in effect on the date of judgment ( 2.75 % ) plus 2 %, capped by Arkansas law at 10 %. 

LVNV Funding is now demanding {$19000.00}, which exceeds what is legally permissible under the judgment terms and Arkansas Code 16-65-114. This appears to include unauthorized fees, compounded interest, or other charges not approved by the court. 

In addition, the consumer is XXXX and has limited income, making them largely judgment-proof under Arkansas exemption laws. Despite this, the firm continues to issue payment demands and previously attempted wage garnishment that yielded negligible results. 

This conduct constitutes attempted collection of an incorrect amount and misrepresentation of the character or legal status of the debt in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692f ). 

I request that the CFPB review LVNV Funding LLC and XXXX XXXX  XXXX XXXX actions, confirm the lawful amount due under the judgment, and direct the collector to cease all attempts to collect any sum beyond the authorized judgment balance plus allowable interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: SC

Complaint narrative:
The company ARS has been contacting me and also a family member on my behalf. This company is reporting false information. The original creditor is spelled wrong and they also have several different birthdates for me. They did not send chain of command stating that I owe them or XXXX XXXX  this debt. The representatives have been extremely rude and I felt pressured to pay them. They have tried to take money out of my bank account without my consent. I have attached text messages from this company. I am not paying someone who doesnt even have the original creditor spelled correctly or cant even validate my birthdate. They keep texting me after I told them to stop contacting me or any other number associated with the account.

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 2025-11-08 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-08 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-08 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: CA

Complaint narrative:
To Whom It May Concern, this complaint is being filed against the data furnisher Department of EducationXXXX for reporting inaccurate and misleading information on my consumer credit report. The accounts listed below are reporting false late payments and inaccurate balance information, which have caused substantial harm to my creditworthiness, financial opportunities, and personal reputation. Despite my efforts to have this corrected through proper dispute procedures, the furnisher and credit bureaus have failed to properly investigate, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am demanding immediate investigation, correction, and removal of these inaccuracies. 

DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$6100.00} Late Payment XXXX XXXX This account shows false payment data with no verification from the Department of Education . Reporting without proof violates FCRA 607 ( B ) and 623 ( B ). Delete if accuracy can not be proven. 

DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$3700.00} Late Payment XXXX XXXX No validation or supporting record has been provided for this account. Continued reporting without evidence violates FCRA 611 and 602 ( A ). This item must be deleted immediately. 

These repeated violations show a clear pattern of negligence and disregard for federal compliance obligations. The continued reporting of inaccurate information after disputes have been submitted constitutes willful violation under FCRA 616 and negligent violation under FCRA 617, both of which are actionable offenses. I am requesting that the CFPB take immediate action to compel the Department of Education/XXXX  and all associated credit reporting agencies to conduct a lawful reinvestigation, delete or correct the inaccurate accounts, and provide me with full documentation verifying compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXX, multiple unauthorized transactions totaling about {$2900.00} were withdrawn from my Chime account without my authorization or benefit. The merchants included XXXX XXXX XXXX XXXX XXXX ( XXXX separate transactions ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I discovered these charges and immediately reported them to Chime, filing a dispute on XX/XX/year> ( Case # XXXX ). On XX/XX/year>, my dispute was denied without sufficient explanation. I requested the investigation documents, merchant authorization records, and evidence used to reach that decision, but Chime did not provide any of the requested information. 

These transactions were clearly unauthorized under the Electronic Fund Transfer Act ( Regulation E ). Chime failed to issue provisional credit and did not conduct a reasonable investigation as required by law. I have attached screenshots of the transactions, the denial notice, my re-dispute letter, police report, and supporting documents. 

I am requesting that the CFPB review this matter and compel Chime and its partner bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to refund the full {$2900.00} and provide copies of their investigation records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I applied for a loan modification with Shellpoint Mortgage Servicing/NewRez LLC to keep my home and have been making consistent payments under my hardship plan. Despite submitting all required documents multiple times and working with a HUD-certified housing counselor ( XXXX XXXX ) , Shellpoint has repeatedly delayed, provided conflicting information, and ignored authorized communications. 
I received inconsistent letters stating my modification was under review, denied, and then in foreclosure. I requested a clear written explanation of my arrears, loan status, and appeal rights, but received no response. Shellpoints lack of communication and transparency has caused unnecessary stress, confusion, and financial hardship while I have acted in good faith to resolve the issue and maintain my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On Tuesday XX/XX/XXXX XXXX my XXXX  account was hacked/compromised and 2 transactions of {$200.00} where someone withdrew cash from my debit XXXX  account. At the time of this transaction I was at work in the city of XXXX, XXXX. I used the card earlier that day at the XXXXXXXX XXXX XXXXXXXX. My card remained with me the whole time. The transactions that where unauthorized where made in XXXX, XXXX  an hour and half away from my residential area. The email I received specifying where the transaction happened showed the atm name which is XXXX XXXX I immediately blocked my account, transfer the rest of my money out and I called the bank and they couldnt do much about it nor find the actually address of this atm they dont have this imformation. The fraud department got my dispute and denied it within 1-2 day of investigating. I called to reopen the case and provided screenshots and evidence that I had my cards at the time, where my about where and any additional information to support me. 
They denied it once again even after providing evidence.

Company response to consumer: Closed with explanation