vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, made a payment of {$620.00} from my chase bank account. Unfortunately it was late and got charged with late fee of {$30.00} and interest of {$78.00}. Then I set up auto pay with same account so I do not forget to make payment. Then on XX/XX/XXXX, Citi declined my autopay and did not notify me about it. Due to late payment, they again charged me {$41.00} and {$130.00} in interest fee in XXXX and then {$41.00} and {$170.00} in XXXX. I returned to check my account in XXXX and found out about all these late fees. I raised the issued that there system declined my payment, its not my fault. i had set up auto pay. They denied there fault and only rolled back one time late fee and charges which is a standard practice for forgetting payment once. Overall, I was charged {$82.00} in late fees and {$300.00} in interest after the autopay was declined by CITI itself. I was on the phone with there customer rep and again made the payment, clicking the same button which had the information about the same bank that they declined. This time payment went through for {$8100.00}. I did not make any changes to the bank info. This is total fraud and I am being charged for no fault of mine. Attached a file showing another error in there system where they are posting charges twice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: TX

Complaint narrative:
I have no knowledge of this company. I have no knowledge of the company they are collecting for. I have no knowledge and have never done business with them. 
An account has been placed on my credit report and I am requesting it be completely from all three credit bureaus immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. I need you to prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report now. I expect this to be resolved immediately. It would be a big help to lessen the tremendous anxiety and stress it's causing 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 explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OR

Complaint narrative:
Subject : Fifth Third Bank Inaccurate Credit Reporting Caused by Bank Servicing Errors Between XX/XX/year>XXXX  and XX/XX/year>, Fifth Third Bank mishandled my mortgage escrow account, issued conflicting written and verbal instructions, misapplied payments, and incorrectly reported my account as delinquent causing my credit score to drop by approximately XXXX points despite my on-time payments. 
Key Events : XX/XX/year>XXXX  Fifth Third issued a formal letter increasing my monthly payment from {$1500.00} to {$1800.00} due to escrow. 
XX/XX/year> I provided updated insurance to their Escrow Department and was told the issue was resolved. I continued paying {$1500.00}. 
XX/XX/year> Told my XXXX payment was partial and I owed {$320.00}. 
XX/XX/year> Received a formal bank letter reinstating my {$1500.00} payment effective XX/XX/year>. 
XXXX XXXX XXXX team instructed me to pay {$320.00} and promised a refund if unnecessary. I paid the same day. 
XX/XX/year> Bank issued a refund check for my XXXX payment ( {$1500.00} ) without informing me until XXXX, leading to a reported delinquency despite my continued on-time payments. This check was never cashed. 
XXXX XXXX  Continued timely payments of {$1500.00}, yet account marked in default and credit score dropped XXXX points. 
XX/XX/year> Representative XXXX dismissed the XX/XX/year> letter as wrong without written retraction ; escalation to manager confirmed the letter was valid. 
Issues for Investigation : Inaccurate credit reporting due to servicing errors. 
Failure to honor written communications without written retraction. 
Conflicting instructions between departments. 
Failure to notify borrower of refund, causing unintended delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Complaint Summary : Chase reported me 90 days delinquent in XX/XX/year>XXXX  during an active forbearance renewal process. I reapplied on XX/XX/year>, before my first forbearance ended. Chase did not approve the new forbearance until XX/XX/year>, with coverage dates of XXXX XXXX. My relationship manager told me my credit would not be affected during the review. I made a {$100.00} good-faith payment in XXXX. The gap was caused by Chases processing delay, not my inaction. 

Why This Is Wrong : Chases own policy states that accounts in full forbearance entered while current should be reported as current or deferred. The XX/XX/year> delinquency conflicts with both this policy and the assurances I received from Chase staff. 

Requested Resolution : Retroactively apply XXXXXXXX XXXX forbearance to include XX/XX/year>XXXX  Remove the 90-day delinquency Update reporting for XXXX XXXX  to current or deferred Provide written confirmation Proof : Forbearance letters, proof of reapplication date, proof of XXXX {$100.00} payment XXXX XXXX XXXX XXXX XXXXXXXX XXXX Chase XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian TRANSUNION AND EQUIFAX FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion Violation Fraudulent Account Previously Deleted Without Required Certification or Notice I am a victim of identity theft. Experian previously deleted a fraudulent XXXX  account ( Acct # XXXX ) from my credit file. The account has now been re-inserted without notice or certification from the furnisher, violating FCRA 611 ( a ) ( 5 ) ( B ). The law requires that before reinsertion, Experian must ( 1 ) obtain a certification from the furnisher that the information is accurate and ( 2 ) notify me within 5 business days with the furnishers contact details. Neither was done. I have already provided Experian with my passport, Social Security card, and CFPB complaint IDs proving the account is fraudulent. This reinsertion has harmed my credit and caused emotional distress. I request immediate removal of the account, full verification documentation, and written assurance it will not be reinserted again without legal compliance.

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 2025-08-12 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: WA

Complaint narrative:
This is my fourth and final formal complaint to the CFPB regarding Equifaxs ongoing and willful non-compliance with FCRA 605B. My prior CFPB complaints were filed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In each case, I submitted a complete identity theft dispute package as defined under 605B, including : an official FTC Identity Theft Report, a copy of my government-issued ID, my Social Security card, proof of address, and a detailed list of fraudulent inquiries/accounts. Despite full compliance with the statute and complete documentation each time, Equifax continues to unlawfully report fraudulent hard inquiries that are part of the same documented identity theft case : XXXX XXXX XXXX XXXX XXXX  Equifax partially removed other fraudulent items from the same case ( e.g., XXXX XXXX accoXXXX XXXX XXXX XXXX XXXX XXXX  proving they recognize the identity theft, yet they are deliberately retaining these inquiries in violation of : 605B ( failure to block all identity theft-related data within 4 business days ), 607 ( b ) ( incomplete and inconsistent reporting ), and 611 ( a ) ( 1 ) ( A ) ( failure to conduct a proper reinvestigation ). Today, XX/XX/XXXX, marks 28 days since my third CFPB complaint, far exceeding the statutory 4-day requirement, with Equifax instead processing my identity theft disputes through their standard 30-day dispute workflow. This willful non-compliance is actively harming my mortgage application, increasing my interest rates, and causing measurable financial damage. Requested Resolution : Immediate and permanent deletion of the fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Equifax has had more than enough time, evidence, and legal XXXXbligation to resolve this. If this matter is not corrected immediately, I will escalate to XXXX XXXX XXXX XXXX state Attorneys General, and seek legal counsel to pursue damages under FCRAs private right of action for willful violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
Dear CFPB, I am writing to formally report a fraudulent transaction that occurred through Zelle on my account. Below are the details of the incident : Date of Transaction : [ XX/XX/year> ] Amount Sent : {$250.00} Recipient Name ( as listed in Zelle ) : XXXX XXXX XXXX Phone Number/Email Used : [ XXXXXXXX XXXX  and XXXX Zelle ] Zelle Confirmation Number : [ XXXX XXXX XXXX XXXX Description of the Incident : I came across a XXXX account advertising the sale of birds. I contacted the seller through the app and he directed to continue communication via XXXX. The individual appeared legitimate at first and sent me videos of the birds, stating the total cost ( including delivery ) would be {$250.00}, to be paid via Zelle. 
After I completed the payment, the seller later demanded an additional payment for " delivery, '' despite previously confirming that the full cost was already covered. When I questioned this, he became aggressive and threatening, stating that unless I sent more money, I would not receive a refund or the product. 

At this point, I realized I was being scammed. I refused to send more money and informed the individual I would report the fraud. He claimed I had no proof, then attempted to delete the XXXX XXXX conversation and try to call me to keep been aggressive. 

Evidence I Have : Screenshots of XXXX and XXXX conversations The Zelle transaction confirmation The individuals name and contact information Screenshots of the XXXX account before it was deleted I respectfully request that this incident be investigated and that any options for recovering the funds be explored. I would also appreciate any guidance on further steps I should take. 
Please confirm receipt of this report and let me know if you require any additional information or documentation. 

Thank you for your assistance. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Media Collections, Inc
State: CA

Complaint narrative:
The company in question is Motive, a truck service and electronic logbook company. tried to charge me for no service and then put it on my debt and sold it to a collection agencyIf I don't continue using it, they will charge your credit card themselves, and if that doesn't work, they will sell the debt to a collection agency!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. XXXX parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( XXXX ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the Better Business Bureau have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
Greetings, I currently have a motorbike account with Synchrony Bank. That motorbike was for XXXX of my sons who unfortunately passed away. I have no intention of keeping the motorbike ; therefore, I wish to give it to you ( Synchrony bank ). I tried to contact you on XX/XX/XXXX to talk to me, but unfortunately the bank does not have a service to talk to XXXX  people, which is a discriminatory act. My eldest son tried to explain the situation to the operator named XXXX who attended him at about XXXX XXXX XXXX XXXX time on XX/XX/year>, but he told him that he had to make a power of attorney for my eldest son to take care of my account, XXXX XXXX XXXX XXXX XXXX XXXX, but under no circumstances am I passing the responsibility to my son, so I understand that this is extremely easy to solve. XXXX XXXX told my son that I should write a letter to explain my situation and explain my desire to give the unit to Synchrony Bank since it is difficult for me to pay for it and I have no interest in having it, I want to deliver it and put an end to this matter. It is not necessary to make a power of attorney because I am aware of my desire to hand over the motorbike. I called the XXXX XXXX XXXX motorcycle dealer with phone number XXXX, and they do not want to accept the unit back. None of the store salespeople want to cooperate to return the unit, the salespeople are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are in XXXX XXXX XXXX XXXX XXXX XXXX I hope that, in good faith, we will be able to resolve this matter as soon as possible. You can reach me via video call with a sign language speaker at XXXX, also for your convenience you can talk to my son at XXXX. Remember, I am a 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 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I requested validation of an LVNV/Resurgent collection ( XXXX XXXX XXXX, partial acct XXXX ). Resurgents XX/XX/XXXX letter enclosed only ( XXXX ) a XXXX billing statement and ( XXXX ) a generic Account Summary Report they created. This does not validate the debt under 15 U.S.C. 1692g ( b ), nor does it show chain of title. 

Details : Owner shown : LVNV Funding LLC ( Reference ID XXXX ), balance {$4300.00}. 
Resurgents packet lacked a copy of any signed agreement, complete payment history, or bill of sale/assignment linking XXXX XXXX Resurgent Acquisitions LVNV with my specific account number. 
Despite inadequate validation, the item continues to be furnished to CRAs and collection continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: MD

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX - Date Opened : XX/XX/XXXX - {$01000.00}, XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - {$470.00}, XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$470.00} ; fraudulent inquiries off of my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: MD

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX - Date Opened : XX/XX/XXXX - {$01000.00}, XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - {$470.00}, XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$470.00} ; fraudulent inquiries off of my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-08-12 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX  XXXX XXXX {$7000.00} DATE OPEN : XX/XX/XXXX XXXX XXXX BALANCED {$410.00} Date opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation