vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2025-08-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have been trying to get this debt off my credit since end of XXXX someone opened and apartment in my name Ive disputed it over XXXX times the account was opened XXXX in Texas i never heard of the apartments before I never been or lived there somehow im still being made to pay nearly XXXX XXXX  in debt my identity was stolen in XXXX ever since ive had problems i filed a police report and all disputed with XXXX XXXX i dont understand what to do someone steals your identity then im made to have to pay it back even though i never lived there a day in my life I hope to get this resolved this is messing up my credit Im the victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am disputing Account # XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ). Under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692g ), I demand full validation of this alleged debt, including proof of contract with my signature, itemized accounting, and legal authorization to collect/report.Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ), my personal information may not be sold, shared, or transferred without my consent. If this account was reported or sold without authorization, it violates federal privacy laws.Until verified with proper documentation, this account must be marked in dispute and removed if validation can not be produced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: IL

Complaint narrative:
Inaccurate reporting under the fair credit reporting act you can not miss report something as accurate then go back and try to change it this is against the law this report says XXXX  nothing even existed in XXXX I want this completely removed for the reasons are in the

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet is reporting student loan accounts under my credit file using an incorrect date of birth provided by XXXX XXXX XXXX ( XXXX ). This does not match my legal identity. My official documents prove my true XXXX is XX/XX/year>. 

Because of this error : The loans are being reported inaccurately. 
Nelnet can not verify the accounts under my legal identity. 
My credit reports contain inaccurate, damaging information. 

Violations : FCRA 1681e ( b ) : CRAs must assure maximum possible accuracy.

FCRA 1681i ( a ) : Disputed accounts must be deleted if not verifiable within 30 days.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers may not furnish inaccurate information.

FCRA 1681s-2 ( b ) : Furnishers must investigate disputes and delete unverifiable data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
=The company 's escrow statement dated XX/XX/year> ask me to pay an extra amount of XXXX dollars, stating that I didn't provide property insurance. I always provided insurance evidence to them whenever they asked me to do so. I called them on XX/XX/year> at XXXX and told them that I did provide evidence timely. I also asked them to waive the charge as it was unreasonable.

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 2025-08-25 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
had 2 innquiries i never applied one account called XXXX and told never applied they close the 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 2025-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These accounts must be removed immediately. This is one of the many attempts to disputing these erroneous accounts. I am asking for your help to have these corrected or deleted right away. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-25 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These accounts must be removed immediately. This is one of the many attempts to disputing these erroneous accounts. I am asking for your help to have these corrected or deleted right away. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Request for Validation of Debt To Whom It May Concern, I am writing to request validation of the debt referenced in your communication dated XX/XX/XXXX, regarding an alleged account under my name. 
Please be advised that I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I ask that you provide me with the following information : 1. The amount of the alleged debt, including a detailed breakdown if applicable.

2. The name of the original creditor and any account numbers associated with the debt.

3. A copy of the original contract or agreement under which the debt arose, or any documentation proving my liability.

4. An itemized statement of the account showing all charges, payments, and interest accrued, if applicable.

5. Verification that you are authorized to collect this debt in my state, including your collection license number and the issuing agency.

6. Proof that the debt is within the statute of limitations for collection in my state ( if applicable ).

Under the FDCPA, until you provide the requested validation, you are prohibited from continuing to attempt to collect the debt or report it to credit bureaus.

Additionally, please refrain from contacting me by phone. I request that all communications be made in writing to the address listed above.

Please provide this documentation within 30 days from the date of this letter. If you are unable to verify this debt, you are required by law to cease all collection activities, including any reports to credit bureaus. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My complaint is against American Express for its repeated failure to properly investigate and resolve disputes for unauthorized and fraudulent charges on my account. This demonstrates a pattern of siding with merchants without due diligence, even when I have provided clear evidence. 

Specifically, there are three recent instances : CapCut Charges ( Totaling approx. {$90.00} ) : On XX/XX/XXXX, I formally canceled my subscription with XXXX via email and requested a refund for their charge. XXXX refused the refund and has continued to bill my account a recurring charge of approximately {$9.00} per month from XX/XX/XXXX through XX/XX/XXXX. I disputed these charges with American Express and provided my email correspondence with XXXX as proof of cancellation. Despite this evidence and the fact that I have not used their service since cancellation, American Express denied my dispute. 

XXXX XXXX ( {$200.00} ) : Between XXXX and XX/XX/XXXX, a fraudulent and unauthorized charge of {$200.00} from XXXX was posted to my account. I had no direct means of disputing this with XXXX. I filed a dispute with American Express, which was wrongfully denied without any valid reason or explanation, and the charge was upheld. 

XXXX XXXX ( {$15.00} ) : Between XXXX and XX/XX/XXXX, I discovered a recurring monthly charge of {$15.00} per month for an XXXX XXXX subscription that I had not knowingly authorized. Upon discovering this, I disputed the most recent charge with American Express. This dispute was also denied. 

In all cases, American Express has failed in its duty to protect me from unauthorized transactions, ignoring my evidence and enabling merchants to continue to wrongfully charge my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV FUNDING Collection Account Based on XXXX  report from XX/XX/year> Due : {$12000.00} LVNV FUNDING Collection Account Based on XXXX  report from XX/XX/year> Due : {$16000.00} Both of these accounts are a result of identity theft. I'm currently trying to build my credit and can't because my credit report is filled with accounts made by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have called a few times and now Capital One is saying the card is closed with restrictions. What are the restrictions and why if there was like {$5000.00} on the card and I paid all of it off and then I asked for the card annual fees to be cancelled and they said I had to close the card. So now after the 2 billing cycles, well actually 3 now, they still not refunding the money and now telling me it was closed with restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX TransUnion, LLC Consumer Dispute Center XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  RE : FCRA 611 ( a ) Formal Dispute of Inaccurate Credit Reporting Update Address On File With Written Confirmation With Would Be XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Update phone Phone XXXX According To The FCRA A Consumer Report Has To Be 100 % Accurate Dear TransUnion Compliance Department, I am writing to formally dispute the accuracy and completeness of certain accounts on my TransUnion credit report. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ), I request a reasonable reinvestigation and deletion/correction of the following accounts, which are reported inaccurately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dispute Basis : Account appears with inconsistent reporting dates and unverifiable creditor name ( XXXX does not align with a recognized furnisher in the Metro 2 CRRG standards ). Requires validation of creditor identity, accurate Date Opened, and compliance with 609 ( a ) ( 1 ) and Metro 2 guidelines. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported Open Date : XX/XX/XXXX Dispute Basis : Furnisher fails to accurately update account status. Potentially misreported as active/delinquent. Request verification of actual account balance, status, and payment history. If creditor can not provide Metro 2compliant data, delete under 611 ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported Open Date : XX/XX/XXXX Dispute Basis : Inconsistent account identifiers and possible duplication of tradeline. Current account coding appears incomplete under Metro 2 standards. Requires verification and removal of unverifiable fields. 

XXXX XXXX XXXX XXXX XXXXXXXX Reported Open Date : XX/XX/XXXX Dispute Basis : Account shows inconsistent payment reporting. Furnisher name XXXX does not appear to correspond with a recognized FCRA-compliant data furnisher. Please verify contractual relationship and accuracy.

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 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Dear SoFi Bank, I am writing to escalate my complaint regarding the transfer of {$5000.00} on XX/XX/year> ( Trace ID : XXXX ), which was mistakenly sent to the wrong XXXX  XXXX account due to a single digit error in the account number. 

I appreciate that SoFi has issued a Hold Harmless Letter ( HHL ) to XXXX  XXXX as part of the recovery process. However, XXXX XXXX has denied the return of funds, claiming that no funds remain from the transaction identified in the HHL. 

This leaves me, as the customer, with no resolution, while both banks point responsibility at each other. I believe that SoFi, as the originating bank, has a responsibility to ensure proper handling of recovery efforts and to advocate on behalf of your customer. 

I am caught in the middle between SoFi Bank and XXXX XXXX, with neither institution taking responsibility to resolve this issue. 
SoFis position : They claim that because XXXX  XXXX did not return the funds after receiving the Hold Harmless Letter ( HHL ), they can not help me further. 
XXXX XXXX  position : They state that no funds remain from the transaction identified in the HHL, and therefore they can not return the funds. 

As a result, each bank is instructing me to contact the other, leaving me without any resolution and without my {$5000.00}. 

This situation is extremely frustrating and unfair. Customers should not lose funds simply because of a one-digit error in the account number and because banks refuse to cooperate with each other. It should be the responsibility of both banks to work together and resolve the issue. 

I respectfully request that the CFPB require both SoFi Bank and XXXX XXXX to : XXXX. Cooperate directly with each other, rather than shifting responsibility back to me. 
XXXX. Provide me with a clear, documented explanation of what happened to the funds. 
XXXX. Take all possible steps to recover the {$5000.00} and return it to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: GA

Complaint narrative:
Upon reviewing my credit report, I discovered multiple charge-off accounts that are reported inconsistently across credit bureaus and may be inaccurate. These include : XXXX XXXX CO Account Number XXXXXXXX XXXX Balance Owed : {$0.00} Not reported on other bureaus Discrepancy : Inconsistent reporting XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$760.00} Date Opened : XX/XX/XXXX Not reported on TransUnion Discrepancy : Inconsistent reporting XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Discrepancy : Inconsistent reporting XXXX  XXXX Account Number XXXXXXXX XXXX XXXX Balance Owed : {$740.00} Discrepancy : Reported differently across bureaus XXXX  XXXX Account Number XXXXXXXX XXXX XXXX  Balance Owed : {$1000.00} Date Opened : XX/XX/XXXX Discrepancy : Reported differently across bureaus XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$8300.00} Date Opened : XX/XX/XXXX Discrepancy : Inconsistent reporting XXXX  XXXX Account Number XXXXXXXX XXXX XXXX Balance Owed : {$890.00} Date Opened : XX/XX/XXXX Discrepancy : Reported differently across bureaus XXXX  XXXX Account Number XXXX XXXX XXXX Balance Owed : {$810.00} Date Opened : XX/XX/XXXX Discrepancy : Inconsistent reporting XXXX  XXXX Account Number XXXX XXXX XXXX Balance Owed : {$510.00} Date Opened : XX/XX/XXXX Discrepancy : Reported differently across bureaus XXXX XXXX XXXX Reference # XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Discrepancy : Not reported on other bureaus These discrepancies violate my rights under FCRA 611 ( 15 U.S.C. 1681i ), which gives me the right to dispute any inaccurate information and request a reasonable reinvestigation. The inconsistent reporting across bureaus creates confusion and undermines the accuracy of my credit history.

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