vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this complaint regarding the Equifax data breach that exposed my personal information. After learning that my data was compromised, I discovered that inaccurate personal, creedit and employment information appeared on my Equifax credit report. This issue has caused confusion and concern about the accuracy and security of my personal data. 

I contacted Equifax to dispute and correct the inaccurate information, but the issue has not been resolved. I am concerned about potential identity theft or misuse of my information as a result of the breach. 

I am requesting that Equifax investigate and remove any inaccurate information, confirm the security of my personal data, and provide written confirmation of any corrective actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute several inaccurate and unauthorized accounts and inquiries that appear on my Experian credit report as a result of a data breach. Pursuant to 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I formally request that Experian conduct a thorough reinvestigation of the items listed below and remove any unverifiable or fraudulent information from my file.

These accounts and inquiries were not authorized by me and are believed to be the result of identity theft or data compromise. Under the FCRA, you are obligated to verify each disputed item and delete or correct those that can not be substantiated. 
Disputed Accounts : Account name : XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$240.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2800.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$390.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$190.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$130.00} Account name : XXXXXXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$430.00} Unauthorized Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NJ

Complaint narrative:
I had a lawyer settle the debt they saying I did {$2700.00} so it was settle for {$1500.00} that the amount I did owe XXXX XXXX. The monthly payment was $ XXXX which I have being paying {$65.00} instead of $ XXXX now my attorney send me a email that XXXX XXXX law firm filing a motion against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Large cases of ( to go restaurant containers ) were delivered to my house on XX/XX/year>, after XXXX phone calls and filing XXXX disputes with the company Sychrony Bank credit cardXXXX XXXX XXXX refuse to pick up the products but still charge me for them. I still have the large cases of container from Amazon. I contacted Amazon and they said that fraud had been committed on my account, so we closed the account, and they told me the bank fraud department would credit my account, they have refused and they will send NO-ONE to pick up these boxes taking up space in my garage. 
Amazon : XXXX XXXX XXXXXXXX {$410.00} XXXX XXXX Order # XXXX {$330.00} There are other orders that they did take back, but refuse to credit me for : Order # XXXX {$13.00} Order # XXXX {$14.00} OrdeXXXX XXXX XXXXXXXX {$47.00} I have paperwork proving these orders are not mine, some returned, but no credit given, others they charged me for and refuse to pick-up. They have totally blown me off. 
I appreciate any help you can give me. This company has thousands of complaints for the same reason, XXXX  will not even rate them, they need to be checked into. 

Filed XXXX disputes, with all paperwork proof enclosed, some special delivery, they signed for them, I received nothing in return but bills plus interest since XX/XX/XXXX, all happened in the same week. Had a {$1.00} hit on my account the night before charges. This high balance is affecting my credit score also. 

Amazon told me in the letter, they would bill the company back, and the credit card fraud dept is charging me also, making double the money off of this.... 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 monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Betterment LLC
State: NY

Complaint narrative:
We told Betterment we were leaving in XXXX for a new retirement account provider. Betterment asked me to fill out a survey questionnaire with the information they said they needed to transfer our account out. That was almost 2 weeks ago. Since I sent in the completed survey, our new provider has messaged them multiple times. I have also messaged Betterment multiple times. They've chosen to ignore every single email they've received. They are holding my retirement account hostage and not providing me my funds so that I can open a new account elsewhere. I want to leave Betterment. I don't understand how they can legally keep my money and prevent me from doing so.

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

Complaint narrative:
I am writing to formally dispute several inaccurate and unauthorized accounts and inquiries that have appeared on my TransUnion credit report as a result of a data breach. Pursuant to 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I request a prompt reinvestigation and removal of all accounts and inquiries listed below that were not authorized by me and may have resulted from identity theft or data compromise.

Please conduct a full investigation, verify the legitimacy of each account, and delete any items that can not be verified or were opened without my consent. 
Disputed Accounts : Account name : XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$240.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2800.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$390.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX  Opened : XX/XX/XXXX Balance : {$190.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1100.00} Account name : XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$430.00} Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/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 2025-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Healthcare Finance Direct LLC.
State: OK

Complaint narrative:
I agreed to the terms of the debt to be paid and requested that they don't contact other parties about my debt. They refused to remove the other parties contact information. I remitted a payment last week and had a payment due today. I missed their call and they continued to call the third parties even after requesting that they don't do that and to only discuss my debt with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: CT

Complaint narrative:
I have had a Credit karma basic account for years recently my phone was compromised someone switched my veterans XXXX check to be direct deposited into that account which they had the login information for well I was in the process of getting treatment and they cleaned out an entire month 's XXXX check I reached out and at first they were very helpful they said they would file disputes well the disputes came through but they also simultaneously locked my account and when I called for help they told me my account was also marked for closure. That was a week ago and all the disputes have been settled and I'm still being told that the account is in the closure process, which makes no sense because I'm familiar with this type of organization and if there is a self-initiated closure it doesn't take more than 5 minutes to close the account meanwhile they're holding my check hostage for XXXX knows how long and I can't get any information out of anybody on being lied to told there are supervisors when there are none and that they're not available at the moment which makes no sense, especially when I called back every half hour and ask to speak to a supervisor I get the same script followed protocol. I need this money to pay my bills and to feed myself and they're deliberately delaying the matter so they can hold on to the balance for as long as possible for interest purposes, I rely on this money ever since I was injured in XXXX and they are diverting real complaints to overseas customer service companies that only know how to speak the words on their orientation sheet and it's not fair

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
Everytime i try to open a account i get denied regions XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX any account ive never left any account in bad standings XXXX XXXXl i had a credit card someone hacked my account they shut it down for XXXX dollars

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 2025-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have submitted multiple disputes with Jeffersons Capital Systems LLC through XXXX and they resolved them with an unknown status. I have contaced Jeffersons Capital Systems LLC through the number provided by the credit beauru ( XXXX ) XXXX and there is no option to speak to a representative they only do automated responses that are NOT helpful. I have requested verification of debt twice and have not recieved anything. On top of that, I have never received notice of this debt in the first place. I would like to recieve the verification of debt and chain of custody because I know that I never accured those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Deutsche Bank

Complaint narrative:
I have received the following information from your Board without action.

We have received your complaint ( s ) on ( 1 ) XXXX XXXX ( XXXX ), ( 2 ) XXXX XXXX ( XXXX ), ( 3 ) XXXX XXXX ( XXXX ), and ( 4 ) XXXX XXXX ( XXXX ) Your complaint has been sent to the Company on ( 1 ) XXXX XXXX ( XXXX ), ( 2 ) XXXX XXXX ( XXXX ) and ( 3 ) XXXX XXXX ( XXXX ). 

I am unable to digest what made you Board to be compelled to send so many ineffective intimations, when just a single one is more than enough. I don't think you have lost your trust in the XXXX XXXX XXXX or it's a delaying tactic in sending the money to my XXXX XXXX XXXX account by the Defaulter Bank ( Deutsche Bank XXXX, XXXX ), after paying all their charges to their Attorney XXXX XXXX ( Registered Number not furnished )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Subject : Inaccurate and Unverified Reporting of XXXX XXXX XXXX Account # XXXX I disputed an I C Systems ( Account # XXXX ) that is being reported with inconsistent balances and delinquency dates. Despite my request for verification, XXXX XXXX XXXX has not provided any supporting documentation, such as a contract, billing statements, or records validating the accuracy of this account. 

Under the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ) and 611 ( a ), furnishers of information are required to maintain maximum possible accuracy and to verify disputed information. Since I C Systems has failed to provide verifiable evidence to support the accounts accuracy, the continued reporting of this unverified and inconsistent information is a violation of FCRA.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and require I C Systems and the credit reporting agencies to delete or correct this unverifiable account.

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 2025-10-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
No validation of debt from ROUNDPOINT mortgage servicing LLC Ffrom XXXX, VP, XXXX XXXX firm since XX/XX/XXXX. 


Mortgage is listed paid in full with the county registrar of Deeds office in XXXX. 


They are not assigned this mortgage. No valid proof that they are the assigned of the mortgage. 


The maxim of law stating that an " unrebutted affidavit stands as truth in commerce '' i have dozens of unrebutted affidavits from the XXXX XXXX XXXX 


Coercion DAYS before court date to trick me to pay them by saying they will not sell my house in 30 days unless i call them to work out a payments. They have already been paid. 


They are frauds in both XXXX. They are not supposed to be contacting me, but sending mail from another site. 




The maxim of law states that an " unrebutted affidavit stands as truth in commerce ''. They are violating my right by harassment, coercion, fraud etc. They are STILL violating law by contacting me with billing statements even though they are not supposed to. We are to discuss this in court. They starting to send mail from another location. DROP THIS CASE. THEY ARE NOT LISTED. Stop harassing me. Violation of my rights XXXX, XXXX and XXXX amendment rights to name a few.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent out letters to the 3 credit bureaus and to the creditors ( companies ) to dispute and validate the debt and charges shown on my credit report. I didn't receive any help because these things are still showing up on my credit and hurting my chances of being in good standards. It's been over 30 days and I still see closed accounts and debt that they said I owe and they won't removed it It hasn't been proven that the debt is mine on these accounts and those that are closed i asked for them to be removed.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * COMENITY BANKXXXXXXXX XXXX XXXX XXXX * Regarding : * * COMENITY BANKXXXX XXXX XXXX, Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Complaint : * * I am disputing the way COMENITY BANK/XXXX XXXX XXXX is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ).

Both notices are mandatory, and the furnisher must provide them to me in writing. 

* * Details of the Issue : * * - The account in question is a credit card issued by COMENITY BANK/XXXX XXXX XXXX  XXXX The account reported positively for a period of time. 
- After I became delinquent, COMENITY BANKXXXX XXXX XXXX charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. 
- I never received an Adverse Action Notice. 

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. 
- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. 

* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies.

2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing.

* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.

- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB. 
- Written confirmation that proof is provided or deletion of the charge-off occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
I requested a rollover of ten percent of my annuity with XXXX into my XXXX XXXX XXXX Account. USSA has deducted the money from my annuity and it has not been deposited into my Thrift Savings Account, USSA has given me the run around and the money is still unaccounted for. 
The amount to be rolled into my TSP account is more than XXXX dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime closed my account XX/XX/year> promised I would have my funds within 14 days and didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: GA

Complaint narrative:
Student Loans automatically went out of deferment without my knowledge in XX/XX/year> and my credit report reflected that I had a XXXX late payment. This negatively impacted my credit score XXXX points. My loans are in deferment and shouldn't be reflecting a XXXX late payment. This is incorrect.

Company response to consumer: Untimely response