vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: NC

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681c-2. The listed credit reporting agency is reporting accounts, inquiries and or collections that do not belongs to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized accounts inquiries and collections under Federal Law.

I am attaching : FTC Identity Theft Report, A list of Accounts, My Government issued ID, Social Security card, and Proof of Address. 
Please investigate and remove the accounts and all associated negative information immediately.

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 2025-11-10 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: NC

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681c-2. The listed credit reporting agency is reporting accounts, inquiries and or collections that do not belongs to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized accounts inquiries and collections under Federal Law.

I am attaching : FTC Identity Theft Report, A list of Accounts, My Government issued ID, Social Security card, and Proof of Address. 
Please investigate and remove the accounts and all associated negative information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
I have filed XXXX other complaints against Carrington Mortage. Theyve been sued in all XXXX states and lost for fraud and illegal practices. There's a class action in my state of NY right now. I told them I had heavy nedical bills. My house is worth XXXX more than they say. They were supposed yo add what I owe to the balance. XXXX lawyers said they screwed me. I spoke XXXX XXXX. their lawyers in Florida. He said he stopped the foreclosure. XXXX gave ne thd name of XXXX XXXX XXXX their firm. She even told my lawyer at thd time they would restructure the loan. It never happened they only did the back taxes. Next I got a notice deed was transfered. I never received anything prior. They filed an eviction notice. XXXX XXXX ago XXXX XXXX came to my house. They gave me XXXX minutes to get out. Next day they rushed me in the hospital saying because of the stress I had XXXX  strokes that day.i was willing to work w them. The spartment I found wouldn't be ready for XXXX weeks. I have a lot if valuable family items in my house. Plus I have no winter clothes, my.meds etc. I am XXXX and this is what they do? I have contacted the XXXX and XXXX office. They were shocked at what I told them. They did mention the class action law suit. I really don't want to get e evolved w that. I just want to pack my things and need time for my health reasons. Plus I put in a new hot water tank {$900.00}. A new thermometer {$70.00}. I new main board for furnace XXXX XXXXXXXXPlus 2 service calls {$200.00} each. I have the receipts of money they owe me. There are thousands of complaints and they have been sued for millions and lost. Why is no one doing anything? I have XXXX Doctors who will sign papers to thd effect of the XXXX strokes from the stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
Received a letter in the mail for XXXX debt, to which has been disputed properly with the credit agencies and removed from my credit report. It was determined XXXX did not follow the proper laws when I requested documentation and exercised my rights and agreed to a no charge and dispute. Now Jefferson Capital has sent a letter, this will not be paid. XXXX fraudulently charged money in addition to not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX I went into XXXX and put {$25.00} on my chime card.all of it was immediately taken out by chime for a my pay repayment, so I call customer service.the guy that answered told me that chime now charges {$50.00} a month fee if you don't have a direct deposit set up with them.i said that's the first I heard.he then went on to tell me that I would also have to pay the amount up to {$50.00} that I hadn't repaid to them yet.this makes two times they've took my money.i do not understand what's going on with this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This debt has been paid through a debt consolidation company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I initially had a fraud charge on my credit card with Bank of America of {$10000.00} on XX/XX/year>. Two amounts of {$5000.00} were charge on the same day. I had only agreed to {$5.00}. The day this happened, I reached out to Bank of America, filed a dispute immediately on the transaction, and locked my account. The next day when I called, a BOA representative told me this happens often and that I had nothing to worry about because " 9 times out of 10 the company will remove the charge ''. They provided me with a new credit card as well. I was told I did not have to provide additional documentation. That same week it was pending, the charge actually went through. On XX/XX/XXXX, I was given a {$10000.00} credit, however, on XX/XX/XXXX, a charge of {$5000.00} was put back on my account. I reached out to the bank several times, being transferred to different operators, and they could not give me information about why only half the amount was confirmed. I was being transferred to different departments without any explanation. I have continuously called and even went to the XXXX XXXX branch location on XX/XX/XXXX, and on the XXXX, I provided the information to resolve this fraud claim. I provided the bank with the receipt of the fraud, details of the day the fraud occurred, the current amount on my account, and my police report. I had asked the branch to file over my evidence of the incident, and the woman took my paperwork and had told me that she faxed it over. However, my file was never uploaded and the app had asked me to provide the same information. The bank has taken 2-3 weeks to respond to my claims. Before the branch visit, an operator had filed a complaint for me once they listened and told me the status of my account. On XX/XX/year>, they asked me to write a letter explaining the situation in full detail and still have not provided me with any credit back on my account while my case is pending. I have been been very upfront and already gave detailed evidence and information to get this case resolved. Bank of America continues to not resolve the fraud charge on my account. I have a current police report on file explaining the situation. This incident happened at the beginning of XXXX, and it is now XXXX. It has been over a month. I have proof of a receipt, and a police file number of 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 2025-11-10 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX XXXXXXXX. Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ) .. Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to a credit report that is complete and accurate. I am requesting a thorough review of these accounts, and if any can not be verified as correct, I ask that they be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
Checked report, noticed items on report that are not mine, I did not approve of. please remove.

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 2025-11-10 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: FL

Complaint narrative:
Checked report, noticed items on report that are not mine, I did not approve of. please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX is reporting a repossession for {$1600.00} on my credit report. I have been disputing this for months and have never received any written validation, proof of sale, or balance breakdown explaining how this number was calculated. 
Its been well over 90 days, and Ive asked repeatedly for verification of this account not just we verified it. I want to see the actual sale documents, deficiency notice, and final billing statement. Nothing has been provided. 
What XXXX XXXX XXXX and the credit bureaus are doing is falsely reporting and verifying unverified data, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Standards. 
This account also shows account not in dispute, even though I have disputed it with all three credit bureaus. Thats illegal under FCRA 623 ( a ) ( 3 ). XXXX lack of documentation and duplicate or inconsistent reporting practices are common they often fail to provide proof of sale or the legal right to collect on these repossessions, which is an industry-wide issue.

These actions violate : FCRA 607 ( b ) must assure maximum possible accuracy ; FCRA 611 ( a ) ( 1 ) ( A ) must reinvestigate disputed information ; FCRA 611 ( a ) ( 5 ) ( A ) unverifiable data must be deleted ; FCRA 623 ( a ) ( 1 ) ( A ) can not report info known to be inaccurate ; FCRA 623 ( a ) ( 3 ) must report accounts as disputed ; Metro 2 4.2.2, 4.3.1
, 6.2.1 must provide factual documentation and validation.

This is not identity theft, and I am not working with a credit repair company. Im a consumer asking for proof. If you cant provide it, remove it.

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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
On the dates of XXXX XXXX, XXXX and XXXX, the following transactions with the merchant " XXXX XXXX '' were made using my SoFi debit card : {$150.00} {$57.00} {$250.00} {$250.00} {$300.00} {$200.00} {$100.00} {$200.00} {$200.00} {$100.00} {$100.00} {$130.00} {$250.00} {$150.00} I believe this bank is incompetent of providing a stable security system. As you will see in my attachments, I have proof that another device had logged into my bank account. I have disputed these transactions with them immediately. 

Also, with the merchant, I had requested a self exclusion from this website and my account ( XXXX ) was closed permanently. It turns out either they or someone else somehow managed re-open my account with that merchant and make deposits. What is more is that I just found out either this company or somebody else opened ANOTHER account under my name with a fake email address ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: IN

Complaint narrative:
I reluctantly opened a credit account with Avant because I have been incurring a strain on my fixed income due to illness. I used the card for miscellaneous purchases and unlike cards I have had before, I received my first bill with due date much sooner than expected. When I asked Avant to change my due date by 2 days, they were 100 % not cooperative. I made the minimum payment a few days later than their demand, and noticed that they already added a {$25.00} late fee. I called their customer service, and they said they would submit my request to waive or reduce the fee. 3 days later, they sent me an email saying my request was denied. I also think they arbitrarily waited to add my annual card usage fee of {$75.00} until it would be most financially beneficial to them. My first payment amount of {$25.00} is in line with what I expected, but my current payment amount in just under {$39.00}, and they can't explain why it is so much higher. Overall, I just want to freeze my account and get them out of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Issue : My creditor reported a late payment to the credit bureaus even though I was not notified of the due date at least 21 days in advance, violating 15 U.S.C. 1666b. 

Details : I did not receive my billing statement because they come inconsistantly, and the payment was due on [ insert due date ], giving me less than 21 days to respond. This violates federal law and makes the late payment reporting invalid. I am requesting that the creditor retract the late payment from my credit report and confirm compliance with the 21-day notice requirement.

Impact : This inaccurate reporting has negatively affected my credit score and financial standing XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-11-10 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Date opened XXXX  Limit XXXX  Last active XXXX XXXX these dates are last payment dates that are reporting inaccurate on Equifax, TransUnion, and Experian; therefore by the FCRA it should be removed under 15 U.S.C. TITLE 15 SECTION 1681.XXXX XXXX XXXX XXXX Opened XXXX balance XXXXXXXX  Credit limit shows XXXX XXXX XXXX XXXX  these dates are last payment dates that are reporting inaccurate on Equifax, TransUnion, and Experian; therefore by the FCRA it should be removed  under 15 U.S.C. TITLE 15 SECTION 1681.\nCharge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these dates are last payment dates that are reporting inaccurate on Equifax, TransUnion, and Experian; therefore by the FCRA it should be removed. under 15 U.S.C. TITLE 15 SECTION 1681.The account is charged off and I didnt receive a 1099C for my tax purposes. The account shouldnt dhow a balance because it was paid off by their insurance company. I am asking for immediate removal of these accounts because I have already tried with the bureaus and they are not giving me the info I requsted. Charge off\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these dates are last payment dates that are reporting inaccurate on Equifax, TransUnion, and Experian; therefore by the FCRA it should be removed XXXX XXXX XXXX XXXX XXXX balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these dates are last payment dates that are reporting inaccurate on Equifax, TransUnion, and Experian; therefore by the FCRA it should be removed under 15 U.S.C. TITLE 15 SECTION 1681.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
XXXX XXXX XXXX XXXX XXXX Date opened XXXX  Limit XXXX  Last active XXXX XXXX these dates are last payment dates that are reporting inaccurate on Equifax, TransUnion, and Experian; therefore by the FCRA it should be removed under 15 U.S.C. TITLE 15 SECTION 1681.XXXX XXXX XXXX XXXX Opened XXXX balance XXXXXXXX  Credit limit shows XXXX XXXX XXXX XXXX  these dates are last payment dates that are reporting inaccurate on Equifax, TransUnion, and Experian; therefore by the FCRA it should be removed  under 15 U.S.C. TITLE 15 SECTION 1681.\nCharge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these dates are last payment dates that are reporting inaccurate on Equifax, TransUnion, and Experian; therefore by the FCRA it should be removed. under 15 U.S.C. TITLE 15 SECTION 1681.The account is charged off and I didnt receive a 1099C for my tax purposes. The account shouldnt dhow a balance because it was paid off by their insurance company. I am asking for immediate removal of these accounts because I have already tried with the bureaus and they are not giving me the info I requsted. Charge off\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these dates are last payment dates that are reporting inaccurate on Equifax, TransUnion, and Experian; therefore by the FCRA it should be removed XXXX XXXX XXXX XXXX XXXX balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these dates are last payment dates that are reporting inaccurate on Equifax, TransUnion, and Experian; therefore by the FCRA it should be removed under 15 U.S.C. TITLE 15 SECTION 1681.'

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