vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This company, XXXX XXXX XXXX constantly harassing me with non stop calls every single day after being notified multiple times to stop communicating with me. I have no knowledge of this debt and have notified them of that too. The collection accounts have been on my credit and Ive disputed them multiple times but they have no been removed and I will not pay a debt that does not belong to 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 2025-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: AMERICAN SECURITY MORTGAGE CORPORATION
State: NC

Complaint narrative:
We closed on our home on XX/XX/year>. The loan was very quickly sold by American Security Mortgage, our initial loan processor, to another lender ( XXXX ). 

Since being sold to XXXX, American Security Mortgage has continued to send marketing material and requests for information for their quality control department. This information has included things like reconfirming our entire loan application, having phone calls to our employers requesting pay checks be verified again, etc. This is after closing, after selling our loan, and them no longer having anything to do with our mortgage. We have had numerous notifications from our employers stating that they are being contacted, I've received emails, physical mail, etc. I've tried calling American Security Mortgage using the phone number provided on the mailings they've sent, and receive an automated service only, no way to speak to a person. The automated service says that at closing, we should have received information about early payoff but didn't, and then they try to collect information such as my name, address, etc. 

This sounds extremely scam-like and like they are attempting to data-mine additional information after already selling our loan. The entire loan process was extremely frustrating, and XXXX XXXX ( XXXX : XXXX ), our loan officer, was horrible. Throughout the entire process, anytime he asked for something, I would ask for why he needed it when it was provided already. He would get extremely defensive and say " well if you don't want the loan, that's on you. '' or " if you want to delay your closing, that's up to you. '' He took zero responsibility, and would re-request things that were provided numerous times with zero explanation of why underwriting would request things, etc. 

American Security Mortgage 's website also provides no contact information at all for anyone except their loan officers. There's no XXXX number, home office number, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am disputing the accuracy of the account reported by XXXX XXXX XXXX This account reports a balance of {$360.00}, which exceeds the stated credit limit of {$300.00}, and a past due status of {$97.00} as of XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ), I have the right to dispute any information in my credit file that I believe to be incomplete or inaccurate. The FCRA mandates that the credit reporting agency must conduct a reasonable investigation, usually within 30 days. 

I am requesting the furnisher and the credit bureau to verify the accuracy and completeness of this information, including whether the over-the-limit balance was accurately reported and authorized, and whether the account is actually past due. If the information can not be verified with competent evidence, it must be corrected or deleted as required by FCRA 1681i ( a ) ( 5 ).

Failure to correct or remove unverifiable information may result in regulatory complaints and potential legal action, including claims for damages under FCRA 1681n and 1681o.

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 2025-06-06 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: CO

Complaint narrative:
I am disputing the accuracy of the account reported by XXXX XXXX XXXX This account reports a balance of {$360.00}, which exceeds the stated credit limit of {$300.00}, and a past due status of {$97.00} as of XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ), I have the right to dispute any information in my credit file that I believe to be incomplete or inaccurate. The FCRA mandates that the credit reporting agency must conduct a reasonable investigation, usually within 30 days. 

I am requesting the furnisher and the credit bureau to verify the accuracy and completeness of this information, including whether the over-the-limit balance was accurately reported and authorized, and whether the account is actually past due. If the information can not be verified with competent evidence, it must be corrected or deleted as required by FCRA 1681i ( a ) ( 5 ).

Failure to correct or remove unverifiable information may result in regulatory complaints and potential legal action, including claims for damages under FCRA 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am disputing the accuracy of the account reported by XXXX XXXX XXXX. This account reports a balance of {$360.00}, which exceeds the stated credit limit of {$300.00}, and a past due status of {$97.00} as of XXXX XXXXXX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ), I have the right to dispute any information in my credit file that I believe to be incomplete or inaccurate. The FCRA mandates that the credit reporting agency must conduct a reasonable investigation, usually within 30 days. 

I am requesting the furnisher and the credit bureau to verify the accuracy and completeness of this information, including whether the over-the-limit balance was accurately reported and authorized, and whether the account is actually past due. If the information can not be verified with competent evidence, it must be corrected or deleted as required by FCRA 1681i ( a ) ( 5 ).

Failure to correct or remove unverifiable information may result in regulatory complaints and potential legal action, including claims for damages under FCRA 1681n and 1681o.

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 2025-06-06 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: NC

Complaint narrative:
Due to unauthorized activity stemming from a data breach, fraudulent accounts now appear on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: NC

Complaint narrative:
Due to unauthorized activity stemming from a data breach, fraudulent accounts now appear on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-06-06 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: NJ

Complaint narrative:
Having always met my payment obligations on time, I find it troubling to see a late payment recorded on my account. This error is causing undue XXXX, and I urge you to address it immediately by correcting my records.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
I notified company that the device was stolen and had a police report they did not respect the the request and instead insisted that it would be less expensive to keep the service I told them I no longer have the device and the person that stole the phone should be receiving the collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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:
XXXX XXXX XXXX XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : DPT EDXXXX - XXXX DPT EDXXXX - XXXX XXXX - XXXX Unknown XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: CO

Complaint narrative:
I am disputing the accuracy of the account reported by AVANT LLC/WEB BANK. This account reports a balance of {$360.00}, which exceeds the stated credit limit of {$300.00}, and a past due status of {$97.00} as of XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ), I have the right to dispute any information in my credit file that I believe to be incomplete or inaccurate. The FCRA mandates that the credit reporting agency must conduct a reasonable investigation, usually within 30 days. 

I am requesting the furnisher and the credit bureau to verify the accuracy and completeness of this information, including whether the over-the-limit balance was accurately reported and authorized, and whether the account is actually past due. If the information can not be verified with competent evidence, it must be corrected or deleted as required by FCRA 1681i ( a ) ( 5 ).

Failure to correct or remove unverifiable information may result in regulatory complaints and potential legal action, including claims for damages under FCRA 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-06-06 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I received multiple text messages from Goldman Sachs XXXX XXXX XXXX ) attempting to approve a XXXX transaction of {$430.00}. For each text message I received I denied the charges per the instructions in their text message thread in order to do so. ( Y ) to accept ( N ) to Deny. I denied multiple times, as a responsible consumer I am aware of my credit card limits. I do NOT have a history of maxing out my credit cards and I dont over spend even if I get close to my limits I do not go over. I did not want my Apple Card charged by XXXX, so these charges were to be denied. I have evidence to support the declines from reflected on my statement on my XXXX account on XX/XX/year>. The charge was assumed by Apple ( Goldman Sachs ) on XX/XX/year> against my wishes on XX/XX/year>. I never approved these charges. I never agreed to these charges. As a consumer who was actively denying these charges I consider this an act of fraud committed by Goldman Sachs to assess fees unlawfully. I have been in a dispute with them in regards to this matter ever since. I do not accept these charges because I did not approve this purchase through them. I have a right as a human and a consumer to chose how I pay for my life and if I use your apps the way you design them and I am proactive in doing so and you decide to accept charges that I did not approve what protection do I have as a consumer? This is unlawful and needs to be investigated. I can provide proof of the declines to support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
They said I was scammed, that they would investigate the company 's. Did not get information back.dont know the outcome

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 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
According to 15 USC 1681 I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company failed to send me any verification of debt, the original contract bearing my signature and explanation of the amount and how it was calculated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: Bright Capital Inc
State: MI

Complaint narrative:
I was charged {$97.00} on XX/XX/XXXX for a Bright Money membership that I did not sign up for. I created an account, downloaded the app, but did absolutely not approve the membership. I have reached out through chat and email and the company is not responding, other than " a ticket has been created and they will be in touch ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: NC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief