vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 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: OH

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity 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 2025-11-02 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: MI

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-02 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: MI

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-02 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
Victim of XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ) Violations of : 15 U.S.C. 1681s-2 ( b ) & 15 U.S.C. 1681e ( b ) LEGAL NOTICE OF IMPROPER ACCOUNT REPORTING : LACK OF REQUIRED IDENTIFYING INFORMATION Helvey and Associates Inc are unlawfully harassing me over a purported debt of {$710.00} ; allegedly owed. Helvey and Associates Inc collection letters and calls supported only by a computer-generated statement printout, are rife with frivolous charges and flatly inconsistent with the validation and licensing requirements. 
In order to satisfy the consumer protection statutes at the federal and state level, Helvey and Associates Inc must furnish the following documents prior to its reporting of the account : XXXX. Original Purchase Agreement : A copy of the fully executed, original ( or certified copy ) purchase agreement that evidences the existence and terms of the original debt, including Plaintiffs signature or acknowledgment of the terms. 
XXXX. Notice of Sale : A copy of the notice of sale or other documentation evidencing the transfer or assignment of the alleged debt from the original creditor to Defendant, evidencing a complete and unbroken chain of title. 
XXXX. Additional Permissible Purpose Documentation : Any additional documentation that demonstrates the existence of a legally cognizable permissible purpose pursuant to 15 U.S.C. 1681b for reporting the alleged debt. 

This complaint serves as notice of my intent to pursue binding arbitration and litigation against Helvey and Associates Inc for violations of federal and state consumer protection laws stemming from your willful and negligent reporting of inaccurate information on my consumer credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CFPB Complaint Capital One After more than XXXX years as a loyal Capital One customer, my accounts were permanently restricted following a disputed communication in XX/XX/year>. I subsequently submitted a formal apology and IIED Victim Impact Statement documenting verified medical hardship, XXXX, and homelessness. Despite these disclosures, Capital One has failed to engage in fair review, accommodation, or resolution, resulting in ongoing financial, emotional, and housing-related harm. 
This complaint is made in good faith and without any more further jeopardizing things, but I reserve all rights to pursue formal legal action under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), FTC Act, and Florida IIED law ( Williams v. City of Minneola, 619 So.2d 983 ) should the matter remain unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Mortgage — FHA 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: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
This account was placed in an * * approved disaster-related deferment * * due to * * Hurricane Helene * * from * * XX/XX/XXXX through XX/XX/XXXX * *. I was current on all payments prior to the deferment ( XX/XX/XXXX ). 

Despite this, my credit reports show late or delinquent payments during the deferment period. This reporting is inaccurate, violates the Fair Credit Reporting Act ( FCRA ) On XXXX, my lender approved a disaster hardship deferment due to Hurricane Helene. During an approved deferment, no payments were due and therefore reporting late payments is inaccurate. Please correct the tradeline to report current/ deferred due to natural disaster and remove all late payment marks for that period under FCRA 602A accurate reporting requirement.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
On XX/XX/year>, TransUnions had REMOVED 1 Collection .. 3 inquiries and also Updated 2 late payment to current Status as Payment!!!

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 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
PayPal sent a credit card through the mail which I did not authorize or request and setup an account. A request was made to cancel the card which may affect my credit score.

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Client Services, Inc.
State: PA

Complaint narrative:
On XX/XX/year> I settled this account for XXXX card in the amount of {$460.00}. I have a confirmation # of - XXXX which is still showing on my credit report as open and a balance. This is incorrect. I spoke to representative from client services... XXXX XXXX ... XXXX... Please immediately send letter of settled and removed from the 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AmWest Funding Corp.
State: FL

Complaint narrative:
I purchased a property in XX/XX/2022 with a loan originated by XXXX XXXX XXXX and later serviced by XXXX XXXX. After closing, I discovered a major title defect related to prior permits, construction issues, and drainage problems that should have been disclosed before closing. I filed a formal claim with XXXX XXXX XXXX XXXX, which accepted the claim and confirmed that the property was under review for a title defect. 

Despite being notified that a title insurance claim was in progress and that the property was not marketable, XXXX continued to collect and process my monthly mortgage payments including at least XXXX payments made after my formal title defect claim was filed. I repeatedly requested information on how these payments were being applied and whether escrow funds were being held or released properly, but neither XXXX nor XXXX provided a clear accounting. 

The servicer charged me interest at a rate of approximately 9.625 % and continued to collect taxes and insurance on a property that was under an active title defect claim. This constitutes improper servicing and collection under RESPA and TILA, as the lender failed to suspend or review payments in light of a known dispute regarding the propertys title and insurability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: OH

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I opened a savings account with American Express banking. Theyve held my money for 10 days because its a new account. Ill try to access my money to pay my bills they freeze my account. I contact them. They tell me they need a copy of my ID and a selfie through their secure website website I submitted it XXXX times Then they tell me they need a copy of my external banking statement to verify the external account is in my name I submitted it. They still will not release my money. Its going on a month. I have bills to pay credit cards thats gon na be charged late fees. This is the worst XXXX XXXX  in the world. I hope they go bankrupt. I hope they get sued for every XXXX they got. I am half tempted to call an attorney, the XXXX XXXX XXXX and the federal trade commission I will tell everybody on social media and XXXX XXXX not to deal with these people. Theyre full of nothing but excuses so they can hold your money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IN

Complaint narrative:
I had some transactions that came up on my account XX/XX/year> XX/XX/year> that I didnt authorize. XXXX XXXX and storage I had this problem with XXXX some time back and chime blocked merchant. Every time I file a dispute my claim get denied in less than XXXX almost XXXX ago someone was using my card account for booking. XXXX reported it claim denied less than XXXX hours I asked what are yall investigating in less than XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
On or around XXXX I experienced a total Google Wallet on my mobile device failure. While attempting to add a credit card as a virtual card in my Google Wallet, I believe the process was interrupted by an Internet connectivity transition from Wifi to Mobile data at the exactly wrong time, some how causing some kind of Payment Profile corruption. That corruption is specific to my payment profile ID and only in for one particular Google account. The net effect of this corruption is I can not see or use any credit card or debit card for purchases on a brand new phone in Google Wallet. I deliberately copied nothing from my old phone. I get no errors Google Wallet on the phone simply acts as if I haven't yet setup a virtual card. Both the banks involved and back end websites such as payments.google.com and others show the virtual cards exist but the phone doesn't list them for use again for the needed account. I've been repeatedly pursuing case XXXX to countless don't call us we'll get back to you. I keep getting told someone will get back to me with the specialist team in XXXX and they never do. It has been over two weeks with no action from Google. I've gone to absurdly extreme lengths including buying a new phone and setting up new accounts to prove where the problem is. A two week outage is absurd support for a mobile wallet/payment processing platform.

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 2025-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: AE

Complaint narrative:
I contacted the local branch in XXXX XXXX, CA as I was leaving the country for government contract work. The agreement was that the local branch in XXXX XXXX, CA would pick up the vehicle from the airport, XXXX, as long as I left the keys and instructions on where it could be picked up. ( emails attached to this complaint. ) After I left the country, months went by and there was no contact from the company, no loan adjustments as I was told the vehicle would be sold at auction, and I would be notified of the remaining balance if the sale of the

vehicle would not cover the remaining balance of the loan. Onemain neglected to pick up the vehicle, and neglected to contact me about the entire situation until after multiple attempts to contact the company via email. Approximately 4-5 months after the initial agreemnt, the repossesion company called me and asked where the vehicle was because they could not find it at the location left in the email to the company as I was told to do. To most it would be obvious that 4-5 months later and the vehicle would have been towed off the premises. This case was passed to high corporate levels of customer service for review. I mentioned that the losing of the vehicle was the fault of the company was not my responsiblity due to their lack of efforts and transparency. I stated I wanted to do what is right and offered to pay off the loan but at a discounted balance to offset the loss of the vehicle on the company 's responsibilty. This was not even an offer that Onemain wanted to consider and tried to blame me for leaving the vehicle at the agreed upon airport, just a mere 4 miles from the XXXX XXXX, CA office to the XXXX short term parking. There was no solutions offered that were of a fair settlement. The only offer I was given was to make 5 payments of {$1800.00} between XXXX XXXX XXXX. In today 's economy, I even stated that there isn't anyone of the middle class that can afford such a lousy and obseen offer as that. Financially this was not an offer that I could accept. With being outside of the country, the company did not want to resolve this matter in any fair manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
I am disputing multiple accounts on my Equifax report that appear inaccurate, outdated, or potentially duplicative. I request a full reinvestigation under the FCRA. 

Charged-Off / Collection Accounts XXXX  XXXX Account # XXXX, XX/XX/XXXX, {$0.00} XXXXXXXX XXXX XXXXXXXX Account # XXXX, XX/XX/XXXX, {$78000.00} XXXX XXXX Account XXXX XXXX, XX/XX/XXXX, {$10000.00} XXXX XXXX Account # XXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX  Account # XXXX, XX/XX/XXXX, {$49000.00} Please verify the accuracy and dates of all accounts and remove any items that can not be substantiated. 

Inquiries XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Verify the legitimacy of these inquiries and remove any that were not authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have made several attempts to resolve this identity theft issue with XXXX as well as the credit furnishers. I completed and accurate identity theft report a long with valid identification to prove that I reside in XXXX, Pa and not Texas where this car loan was created. There are several attempts for credit approval on my credit file that I do not recognize and they are duplicate entries on the same day or around the same time frame. At this point i am submitting a demand letter that will follow with an intent to sue if this issue isn't rectified immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: PA

Complaint narrative:
I have made several attempts to resolve this identity theft issue with XXXX as well as the credit furnishers. I completed and accurate identity theft report a long with valid identification to prove that I reside in XXXX, Pa and not Texas where this car loan was created. There are several attempts for credit approval on my credit file that I do not recognize and they are duplicate entries on the same day or around the same time frame. At this point i am submitting a demand letter that will follow with an intent to sue if this issue isn't rectified 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 explanation