vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 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.

Complaint narrative:
I discovered fraudulent 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 2025-12-25 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: FL

Complaint narrative:
I have no connection to this account it is being reported in error and the details associated with it are false.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint against my mortgage servicer for improper credit reporting during a federally protected mortgage forbearance period. Company : freedom mortgage Account Number : xxxx. My mortgage was placed into an approved forbearance due to financial hardship. Despite this, the servicer reported late payments to the credit bureaus during the forbearance period. The loan was later modified, resolving any alleged delinquency. Reporting late payments during an approved forbearance is inconsistent with the CARES Act and constitutes inaccurate credit reporting under the Fair Credit Reporting Act. I have disputed this information with the credit bureaus ; however, the servicer has failed to correct or remove the inaccurate late payment history. Resolution Requested : - Removal of all late payment notations reported during the forbearance period - Correction of the account to reflect compliant and accurate reporting - Written confirmation of the correction This inaccurate reporting has caused significant harm to my credit profile and continues to impact my ability to obtain fair credit terms. Thank you for your assistance in resolving this matter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
XXXX XXXX XXXX is reporting a debt on my XXXX  credit report that it no longer owns. This account was sold multiple times and later settled and paid in full. Despite this, the company continues to report the tradeline inaccurately. This violates the Fair Credit Reporting Act, as the reporting entity does not have ownership or the right to report this account. I am requesting immediate deletion or correction to a {$0.00} balance with accurate status.

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 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
On XX/XX/year>, I sent a debt validation letter to LVNV Funding regarding an alleged debt they are attempting to collect in the amount of {$1300.00} Account XXXX. XXXX. The letter was sent via certified mail and received on XX/XX/year>. In my letter, I requested verification of the debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ), including proof that I owe the debt, the name of the original creditor, and documentation showing the companys authority to collect. 

Despite receiving my request, [ company name ] failed to provide proper validation within the required time. Instead, they continued collection activity, including [ phone calls/letters/emails/credit reporting ] on [ dates ]. Additionally, the account was reported/continued to be reported to [ credit bureau XXXX XXXX ) ] on [ dates ] without providing the requested validation. 

I have kept copies of my debt validation letter, proof of delivery, and all subsequent communications. I believe LVNV is violating the FDCPA by failing to validate the debt and by continuing collection and/or credit reporting activities without verification. I am requesting that this matter be investigated, that collection activity cease until proper validation is provided, and that any inaccurate or unverified credit reporting be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AR

Complaint narrative:
I would like to file a complaint against Chime Financial Inc. I shopped at XXXX in XXXX, AR on XX/XX/year> and spent roughly {$7.00}. An additional charge of {$180.00} appeared in my bank account on XX/XX/year>, stating the charge was made at XXXX. I contacted XXXX corporate ( case XXXX ) and was told the charge occurred in person, at the store. I filed a police report ( police report # XXXX ) ; Officer XXXX XXXX spoke to the manager of the XXXX XXXX, who informed police that there was no charge for {$180.00} made in their store on XX/XX/year>. ( I am still waiting for someone at XXXX corporate to call me back ; they stated the charge was made in person but the manager denied this ). My debit card hadnt gone missing and has been in my possession this entire time. I disputed the transaction with Chime on XX/XX/year>, submitting the case I had opened with XXXX as well as the police report number ; Chime denied the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: TX

Complaint narrative:
I am reaching out in distress after seeing that inaccurate accounts remain on my credit report without any change. This has caused me a great deal of anxiety, and I am pleading for a thorough review of the documents I submitted so this issue can be corrected once and for all.

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 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NY

Complaint narrative:
The bank stated theyre closing my and wont provide a thorough explanation nor return my deposited funds. I will file a civil lawsuit if the matter isnt rectified

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 2025-12-25 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: TX

Complaint narrative:
These accounts were established without my authorization, suggesting fraudulent activity. I urge you to conduct a thorough investigation and promptly eliminate them from my credit report. Supporting documentation is attached for your review. Your prompt resolution of this matter is highly valued.

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 2025-12-25 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: TX

Complaint narrative:
These accounts were established without my authorization, suggesting fraudulent activity. I urge you to conduct a thorough investigation and promptly eliminate them from my credit report. Supporting documentation is attached for your review. Your prompt resolution of this matter is highly valued.

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 2025-12-25 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:
I discovered fraudulent 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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been a victim of idenity fraud someone has fraudulently opened a XXXX XXXX XXXX XXXX credit card for XXXX dollars and Wells Fargo credit card for XXXX dollars in the month of XXXX of this year I have filled a police report which has been approved and is under investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-25 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-25 00:00:00
Product: Mortgage — Conventional home 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: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
Im in process in assuming loan from my late mothers estate and was on a trial payment plan at same time so everything would be done at same time .During the beginning of process the special loans department and loss mitigation would always keep each other updated on my paperwork and progress being made with my loan. I called yesterday XXXX to check update on modification updates ; just to be informed that I was taken out of program because they wasnt updated on my VOE form being received on XXXXXXXX  ; I have documentation proving it was received with confirmation from special loans department ; the loss mitigation sent letter on XXXX stating they were waiting on conformation from special loans department that VOE was sent in. I got that letter literally the next day XXXX after I got confirmation of them receiving letterXXXXXXXX  ; the day before letter was sent & Apparently they never sent update to loss mitigation department ; I even called on XXXX to loss mitigation department that I sent it XXXX and received confirmation ; the young lady on phone checked notes and said she didnt see update even though I told her. I even have screenshot of that day I called and informed her of update ; and because of the departments not keeping each other updated even though I did ; I was taken out of loss mitigation ; I was paying my payments every month and turning my paperwork in on time as always. As of now with assuming the loan/mortgage ; I was approved by special loans department for assuming the mortgage/loan and now am waiting on closing documents to sign. I will attach all pictures/documents to support my claim. I did my part and turned my paperwork in on time and always kept departments up to date with everything that needed to be done on my end ; I was taken out of program because of the ( companies mistake. ) I also feel that I really got taken out of program was because the young lady from loss mitigation department didnt put a note on my file that I told her that papers were already sent prior to receiving letter and also the special loans department didnt update loss mitigation department about them already receiving paperwork and already processing it. If everything was updated like it was supposed to then I wouldnt be in this situation now. I also did everything asked on former complaint letter and in timely fashion on time and it still resulted to this situation now. I did everything correctly on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: FL

Complaint narrative:
I was shocked to discover an unauthorized fraudulent inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 2025-12-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
CFPB Complaint Subject : Capital One Violated FCBA Procedures in Billing Dispute # XXXX Summary : Capital One failed to conduct a reasonable investigation of a valid Fair Credit Billing Act ( FCBA ) dispute, ignored a formal consumer rebuttal, and closed the case in violation of Regulation Z ( 12 CFR 1026.13 ). 

Chronology of Events : 1. Initial Dispute : I filed a dispute with Capital One for a {$1200.00} charge from XXXX XXXX XXXX XXXX. I explicitly cited the FCBA, stating the veterinary services were '' not delivered as agreed '', were Professionally substandard, inadequate, and negligentand the treatment that wa substituted without my consent were '' completely inadequate, inappropriate, and negligent '' for an injury of the level of severity as they were presented with, for which XXXX was the only appropriate remedy. 

2. Bank 's Misclassification : Capital One incorrectly categorized my dispute as a simple '' goods not received '' claim, ignoring the clearly stated FCBA claim as well as the FCBA 's provisions governing professional services and consumers rights when those services are not provided at the level appropriate for the injury presented. 

3. Formal Rebuttal : After their initial decision against me, I exercised my right under the FCBA to submit aformal written rebuttalon XX/XX/scrub> XXXX This 13-page package included a point-by-point legal and factual analysis, demonstrating the merchant 's failure to provide the medically necessary standard of care. 

4. Bank 's Procedural Violation : Instead of reopening and investigating my rebuttal as required by law, Capital One sent a letter datedXXXX XXXX, XXXX, stating the case was closed because I did not provide an unspecified document. This provesthey never reviewed the substantive rebuttal I submitted at all. 

5. Harm : Capital One has reversed a provisional credit and is demanding payment for a charge where the essential service ( XXXX ) was not rendered, forcing me to pay and additional {$1200.00} to another provider for the required treatment which was critically needed for the suffering animal. 

Violation : Capital One 's actions constitute a failure to conduct areasonable investigationof a billing error notice as required by the FCBA and Regulation Z. By dismissing a substantive rebuttal on a procedural pretext, they have denied me the consumer protections I am entitled to under the FCBA, yet again. 

Desired Resolution : I request that the CFPB ensure Capital One reopens my dispute, conducts a proper investigation of the FCBA claim presented in my 13 page rebuttal, and issues a permanent credit for the inappropriate charge which did not include the core service the injured patient was brought to the XXXX XXXX specifically to receive, and was discussed, and was promised, yet never performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
I bought a car ( XXXX XXXX XXXX XXXX XXXX XXXX on financial ( XXXX  ) from XXXX  ( XXXX XXXX XXXXXXXX ) and had it delivered to XXXX. However, I can not register the car in XXXX, XXXX, due to local laws. The bank that approved my loan ( XXXX ) is not sending the car title to XXXX or XXXX so I can register it here. What should I do? How long will this take? They took a {$5000.00} down payment from me on XX/XX/XXXX, and they still haven't sent the title. 

On XXXX XXXX XXXX XXXX XXXX ( XXXX ) send e-mail to XXXX for the title, but they still haven't sent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: TX

Complaint narrative:
I am extremely distressed because accounts that should not be on my credit report are still appearing and they were not removed. This situation is overwhelming and I urgently need the documents I attached to be reviewed very carefully so I can finally stop worrying about this ongoing problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

The accounts are as follows : XXXX XXXX XXXX XXXX. {$1300.00} Account number : XXXX XXXX XXXX XXXX XXXX XXXX. {$11000.00} Account number : XXXX

Company response to consumer: Closed with explanation