vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Verisk Analytics Inc
State: WA

Complaint narrative:
I am a Washington XXXX consumer submitting this complaint about multiple insurance-related specialty consumer reporting agencies, including : XXXX XXXX XXXX XXXX XXXX Auto and Property ), A-PLUS Property ( Verisk Analytics XXXX XXXX XXXX Group XXXX XXXX XXXX and Drivers History/SambaSafety. 

These companies compile and sell detailed insurance dataincluding property, auto, health, and life-insurance claims and underwriting informationthat insurers use to determine eligibility, premiums, and renewals. 
Because of information maintained by these agencies, I have experienced : higher insurance premiums, reduced coverage options, and denial or delay of new policies. 

I have reason to believe that these reports contain outdated, duplicated, or misattributed claims, including information belonging to previous policyholders or unrelated individuals. 

I request that the Consumer Financial Protection Bureau ( CFPB ) require these agencies to conduct full manual audits of my records and ensure all data is accurate, verified, and lawfully reportable under the Fair Credit Reporting Act ( FCRA ) and Washington XXXX ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Halsted Financial Services, LLC.
State: OK

Complaint narrative:
Text from XXXX This message is intended strictly for # # # at this time your account has been listed as a refusal to pay. Documentation will be sent to your physical address as well as your employer on XX/XX/year>, please contact our risk department today to resolve this matter at XXXX. 
XXXX I received a text message from a debt collector who threatened to contact my employer about an alleged debt. Shortly after, I received a phone call from the same collector who yelled at me and said stop playing games. 
The XXXX tone was threatening and harassing, and I felt intimidated. They refused to provide any clear information about the debt, and I have no knowledge of owing this debt. 
I believe this conduct violates the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt XXXX from harassing or threatening consumers, and from contacting or threatening to contact a persons employer about a debt. 
I am requesting that this collector be investigated for harassment, threats, and failure to provide verification of the debt. 
Please note that I have saved the text message and call records as evidence. 
This was my response to the text after the phone call XXXX documentation of being yelled at on the phone and stating no idea of material being asked about. 

They have since began to email me as of last week. Request to stop was completed on the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge 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: KY

Complaint narrative:
I disputed XXXX charged that I did not make on my card as soon as I was notified of the charges. They investigated and determined that I made the charges. The charges was for an amusement park in XXXX I live in XXXX  and have never been to XXXX and at XXXX XXXX XXXX do not travel. These are not my charges and I want them 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 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX Banks have refused to furnish my accounts stamens for each month of 2025. I spoke their XXXX XXXX ID number XXXX. I need all my of statements for each month in 2025 and they refused to supply them failure to supply. She continued to tell me that she would not provide them and they are not available on the website. I have filed a complaint with the state attorney general 's office, the XXXX, and the FTC as well as my legal team XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
National Recovery Agency ( XXXX ) has reported XXXX collection accounts on my Experian credit report that are inaccurate and potentially unlawful under the Fair Credit Reporting Act ( FCRA ). 

These accounts were added with a Date Opened of XX/XX/year>, which is false and appears to be an illegal attempt to re-age old medical debt. The original accounts are several years old and should be beyond both the statute of limitations for collection and the XXXX credit reporting period under FCRA 1681c ( a ) ( 4 ).

I have not received proper validation or verification of these debts from National Recovery Agency under FCRA 1681s-2 ( b ) and FDCPA 809 ( 15 U.S.C. 1692g ). I have no record of any recent XXXX XXXX or debts matching these accounts. 

I am requesting that the CFPB XXXX National Recovery Agency to : Provide full debt validation, including original creditor, itemized balance, and date of first delinquency ( DOFD ). 
Cease re-aging and delete any accounts that are outside the allowable reporting period. 
Immediately remove these inaccurate accounts from all consumer reporting agencies ( XXXX XXXX XXXX XXXX ). 

This inaccurate reporting has caused my XXXX XXXX to drop by nearly XXXX points and is materially impacting my financial stability and access to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
The XXXX XXXX XXXX XXXX account at CITIZENS BANK, XXXX XXXX, XXXX, simply DISAPPEARED!!!! I discovered this after a check I wrote was returned with the heading ACCT NOT FOUND. This was a longstanding account. I spent hours in person & phone trying to discover the cause of this unheard of occurrence. Revolving managers, mostly none present at this very poorly run branch, or hopeless staff, were not available or able, to explain XXXX calls to the head office in Rhode Island were either not answered, not transferred or were unable to help. I asked to speak to the XXXX, XXXX XXXX XXXX, repeatedly, but were told that was not possible or simply cut off repeatedly. I sent him a certified letter [ copy available ]. No reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
i applied onXX/XX/XXXX.i was given the credit card. i spent XXXX on the first XX/XX/XXXX months .cap one refused to give me the XXXX welcome bonus. dusring the application it was never disclosed that alledgedly i didnt qualified for the bonus. today i calledXX/XX/XXXX askinf for the bonus and she said i didnt qaulified. its the XXXX time i heard that. NO DISCLOSURES at anytome. thats call XXXX In XX/XX/2025, the Capital One XXXX card offered a standard welcome bonus of XXXX bonus miles after spending {$4000.00} on purchases within theXX/XX/XXXXXXXX months. Some promotions may have also included a one-time Capital One XX/XX/XXXX credit, though specific details like the amount ( {$250.00} or {$300.00} ) can vary by offer, according to XX/XX/XXXXand XX/XX/XXXX. 
XXXX bonus miles : Earned after spending {$4000.00} on purchases in theXX/XX/XXXXXXXX months. 
Capital One XXXX credit : Some offers included a credit, such as {$250.00} or {$300.00}, for travel booked through Capital One XXXX, usable during the XX/XX/XXXX year. 
Redemption options : The miles can be redeemed for travel at a rate of XXXXXX/XX/XXXX per mile, transferred to airline or hotel partners for potentially higher value, or used to " erase '' travel purchases from your statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XX/XX/year> TRANSWORLD SYSTEMS INC. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Request for Debt Validation Dear XFINITY MOBILE or To Whom It XXXX Concern I am requesting validation of the debt you claim I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt and request that you provide the following information : XXXX. The name and address of the original creditor XXXX. The amount of the alleged debt, including an itemized breakdown of interest, fees, and other charges XXXX. Proof that you have the legal right to collect this debt ( such as a copy of the original contract or assignment of debt ) XXXX. A copy of any judgment, if applicable. 



Until this information is provided, you must cease all collection activities and reporting of this debt to any credit reporting agencies. 

Please note that any attempt to collect this debt without proper validation violates federal law and will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: OR

Complaint narrative:
I received a letter on XX/XX/year> stating that this debt was sent to collections and that the balance due is {$390.00}. 

This medical debt was set up on a payment plan upon receipt of the first bill and I show that regular payments were made as agreed. 

I received no further billings or notices that alerted me to any issues regarding our repayment agreement and no changes were made to accounts on my side that would have resulted in a default of our agreement. 

I sent a letter to the collection agency asserting as much today and am filing this complaint as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My complaint is regarding Wells Fargo 's incorrect and duplicate reporting of a single mortgage loan modification, which is negatively impacting my credit report and score. 
On XX/XX/year>, I entered into a loan agreement with Wells Fargo for my mortgage account, ( ending in XXXX ) for {$410000.00}. Wells Fargo is incorrectly reporting XXXX separate accounts on my credit report. The second mortgage shows a loan modification ( ending in XXXX ) opened on XX/XX/year>, earlier than the original loan. 
Both have a status of closed. 

This is an illegal duplicate entry for what is the same loan. A loan modification alters the terms of an existing debt ; it does not create a new debt that should be reported as a separate account. This error is negatively affecting my creditworthiness and is a violation of the Fair Credit Reporting Act ( FCRA ). 

I have attached documentation, including my credit report and the response from Wells Fargo on my previous complaint ( I did not think this was my account due to the date and amount ) which proves these XXXX accounts are the same obligation.

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 2025-10-12 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The Autopayment function with XXXX XXXX did not work. I had a {$40.00} Charge and missed payments in XXXX and XXXXXXXX XXXX XXXX  XXXX did not notify me that the account was unpaid and it wasnt by my own chosing as I wasnt aware autopayment did not pull from my bank account. This was only a {$40.00} charge and I paid it IMMEDIATELY once I noticed. I have never missed a payment on any other account. This negative mark is affecting my credit score by nearly XXXX points. I trying to close on a home in a month and this couild impact me negativly. Please help 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 2025-10-12 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: IN

Complaint narrative:
The Autopayment function with XXXX XXXX did not work. I had a {$40.00} Charge and missed payments in XXXX and XXXX of 2024. XXXX did not notify me that the account was unpaid and it wasnt by my own chosing as I wasnt aware autopayment did not pull from my bank account. This was only a {$40.00} charge and I paid it IMMEDIATELY once I noticed. I have never missed a payment on any other account. This negative mark is affecting my credit score by nearly XXXX points. I trying to close on a home in a month and this couild impact me negativly. Please help 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 non-monetary relief
Consumer complaint received 2025-10-12 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FREEDOM FINANCIAL NETWORK
State: MI

Complaint narrative:
this debt is not mine - identity theft- XXXX  XXXX Closed XXXX XXXX XXXX XXXX, XXXX XXXX IN XXXX | ( XXXX ) XXXX Date Reported : XX/XX/year> | Balance : {$8700.00} Account Number : * XXXX | Owner : Individual Account Credit Limit : | High Credit : {$8400.00} Loan/Account Type : Unsecured | Status : XXXX XXXX XXXX XXXX XXXX - Closed XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PLUS, XXXX, XXXX XXXX, CA XXXX | XXXX XXXX ) XXXX Date Reported : XX/XX/year> | Balance : {$0.00} Account Number : * XXXX | Owner : Individual Account Credit Limit : | High Credit : {$29000.00} Loan/Account Type : Unsecured | Status : Charge Off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: FL

Complaint narrative:
I reviewed my TransUnion credit report and found an inconsistency regarding my XXXX XXXX XXXXXXXX XXXX XXXX account ( # XXXX ). 

TransUnion correctly reports this account as XXXX or Paying as Agreed, with no delinquencies. However, Experian is incorrectly reporting the same account as XXXX, was past due 30 days in XX/XX/year>, even though payment records confirm that all payments were made on time. 

This discrepancy among the credit bureaus indicates that inaccurate information XXXX have been shared or verified during reporting. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i ( a ), credit bureaus are required to ensure all data is accurate, consistent, and properly verified. 

I am requesting that TransUnion confirm the accuracy of this account directly with the furnisher ( XXXX Bank XXXX XXXX XXXX ) and ensure that the account remains reported as Paid as Agreed Never Late ( PAANL ). 

Please provide written confirmation once the review is completed and the account status has been verified as accurate.

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 2025-10-12 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: MD

Complaint narrative:
I inquired about the following inconsistencies on my credit report : Re-aging of accounts Some accounts appear to extend delinquency periods beyond the legal reporting timeframe. 


Contradictory reporting Accounts reported as both charged-off and with active past-due balances. 


Incomplete or missing payment history Gaps, duplications, and inconsistent delinquency coding. 


Improper settlement reporting Settled accounts not updated correctly, leaving misleading derogatory status. 


Unverifiable balances and statuses Creditors have not provided adequate documentation to support reported amounts or statuses.

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 2025-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: Bridgecrest Acceptance Corporation
State: MN

Complaint narrative:
Sent formal statutory demand letter with specific demands regarding information on the auto loan and various federal laws and case law regarding the demands for information.Sent letter on certified return receipt requested letter on XX/XX/year>. Received confirmation that they received my letter and signed for it. It seems like Bridgecrest is and will be ignoring my very specific letter very detailed instructions in it. Taking note that the law doesn't apply to them and consumer rights don't matter.

Company response to consumer: Closed with explanation