vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/year>, I made a purchase from XXXX in the amount of {$98.00}. I included delivery instructions for the item to be left at my front door. Unfortunately, XXXX failed to deliver the item as instructed. I never received the merchandise. 

I contacted XXXX, and they informed me that I must reach out to my financial institution to obtain a refund. However, when I contacted Discover, they refused to assist me. Their reasoning was that the merchant provided a tracking number showing the item was delivered. Despite this, I never received the package, and the tracking confirmation alone does not prove that the item was actually delivered to me at my address or according to the delivery instructions. 

This has left me in a position where I paid for goods I never received, and neither XXXX nor Discover is willing to resolve the issue. I believe I am entitled to a refund under the Fair Credit Billing Act ( FCBA ), which protects consumers in cases of billing errors, including charges for goods not delivered as agreed. 

I respectfully request the CFPBs assistance in resolving this matter. Specifically, I am seeking a full refund of the {$98.00} charge and for Discover to honor their obligation to investigate and resolve billing disputes fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal and unequivocal demand for validation of the alleged debts you claim are owed under my name, totaling {$1100.00}. These amount have been reported as being in collections, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to request full and complete validation of each alleged debt.

Let me be clear : I do not acknowledge these debts, and I will not make any payments or engage in any negotiations until you provide comprehensive documentation proving the legitimacy and accuracy of these claims. You are required by law to furnish the following for each debt : The full amount of the debt, including a detailed itemization of principal, interest, fees, penalties, and any payments made. 

The name and contact information of the original creditor, along with the original account number. 

A copy of the original contract or agreement, bearing my signature, that legally obligates me to pay this debt. 

Proof that you are legally authorized to collect this debt, including your license number, the jurisdiction in which you are registered, and any documentation showing a legal transfer of the debt. 

A copy of any judgment, if applicable, including the court in which it was issued and the case number. 

Until you provide this documentation, you are required to cease all collection activity, including phone calls, letters, emails, and any reporting of these debts to credit bureaus. Any attempt to collect without proper validation is a direct violation of the FDCPA and may result in legal action and formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office.

This letter is not a refusal to pay but a demand for proof. If you fail to respond within 30 days of receipt of this letter, I will consider the matter closed and any further attempts to collect will be treated as harassment and reported accordingly. 

I expect your full compliance with federal law. Any deviation from these requirements will be documented and pursued to the fullest extent permitted under the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: KY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I am reporting an issue regarding a repossession that has been listed on my credit report. This entry reflects a repossession that I believe was conducted and reported improperly, and I have serious concerns about the accuracy and legality of the information being furnished. 
Since discovering this entry, Ive attempted several times to dispute the account and request documentation to support the reported details. However, I have yet to receive any valid paperwork that outlines the original loan terms, default notice, right to cure notice, or post-sale explanation of how the alleged balance was calculated after the vehicle was taken and sold. These are basic requirements under federal law that should be maintained to justify any adverse credit reporting. 
To date, the company has failed to respond meaningfully. The repossession is being reported with incomplete or inconsistent datasuch as conflicting dates, remaining balances, and payment historythat misrepresent the actual events. This lack of transparency not only violates my rights under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) but also fails to meet the standard reporting framework required under XXXX XXXX guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: MO

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-22 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: EdFinancial Services
State: FL

Complaint narrative:
I am reporting an issue concerning an open tradeline on my credit report that reflects late payments I believe to be inaccurately reported. I have reviewed my records and submitted multiple formal disputes directly to the creditor and the credit bureaus to address the discrepancies. However, to date, I have not received any credible evidence or billing records to validate that these reported delinquencies actually occurred. 
The payment history being reported shows dates and delinquency statuses that do not match my actual payment activity, which creates a misleading profile of my credit behavior. Instead of a proper investigation or detailed explanation, I have received unhelpful responses that do not resolve the reporting errors. 
This mishandling of my dispute violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report data that is both accurate and complete. The failure to correct or validate this informationafter multiple attemptshas resulted in unjust damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-22 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: MD

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-09-22 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I filed for XXXX  XXXX bankruptcy under case number XXXX in the XXXX  XXXX XXXX Texas XXXX and the case was fully discharged on XX/XX/year>. XXXX XXXX was listed in my bankruptcy schedules as a general unsecured creditor, and the account was eligible for discharge under 11 U.S.C. 727. 

Despite this, XXXX XXXX continues to report the account to Equifax with a charge-off status and no mention that it was included in or discharged through bankruptcy. While the balance is now showing as {$0.00}, the reporting still reflects a derogatory status and outdated comments that are both misleading and inaccurate. No reference is made to the bankruptcy discharge, and no update has been made to correct the tradeline. 

I have submitted disputes to Equifax with documentation, including my discharge order and bankruptcy schedules. However, the account still reflects outdated derogatory language rather than accurate post-bankruptcy reporting. This misreporting violates my rights under the Fair Credit Reporting Act ( FCRA ) and ignores the protections granted under the U.S. Bankruptcy Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: CA

Complaint narrative:
I got a loan of {$830.00} in XXXX. I set automatic payments. Its now late XXXX and I figured it should be paid off by now because theyve charge me {$220.00} about 5 or 6 times. I logged onto their site to see that the loan repayment total will be $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-09-22 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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 urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I got divorced in XXXX of XXXX. I was awarded the house in the divorce. I paid my ex wife for her equity and she signed a quit claim deed. That quit claim deed has been filed and the title to the house is solely in my name. 

I attempted to get my ex wife off the mortgage with a spousal release per VA circular XXXX. Freedom Mortgage is requiring that my ex wife sign an assumption in order to be released from the loan. My ex-wife has refused to sign this assumption. The VA circular referenced above states that the VA does not require the lender to complete an assumption to take the ex spouse off of a loan when I am the Veteran. I provided all documentation required by VA circular XXXX for a spousal release to Freedom Mortgage. 

I spoke with Freedom Mortgage and they confirmed that my ex wife would not have to sign anything else if I did a traditional refinance. A traditional refinance would cause me to lose my current very low interest rate. I believe that Freedom Mortgage is making the VA spousal release process more difficult than it needs to be to force veterans out of their current low interest rate loans.

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 2025-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit report shows 2 late payments on my account,. I was never late and would like to know if you can investigate??

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