vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
XXXXOn June, 27th 2025, I was attempting to purchase a concert ticket for the band XXXX XXXX through a seller on social media. The seller claimed to have a ticket available and asked me to send half the payment upfront via Zelle. I sent XXXX through Zelle to the sellers provided contact XXXX XXXX XXXX XXXXAfter receiving the payment, the seller did not send the ticket as promised. Instead, they demanded additional money. I quickly realized this was a scam and ceased all communication. I have screenshots of the messages, the payment, and the threats as evidence.\n\nI am requesting assistance in reporting this scam and recovering the funds if possible.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: SD

Complaint narrative:
Purchase on XX/XX/25 was a fraudulent scam by merchant named XXXX XXXX XXXX in XXXX Idaho. I was sold used merchandise that was represented as new because the company was having a going out of business sale and did not fear repercussions. The transaction dispute case number with capital one is XXXX. Every time I send evidence one would immediately deny the claim even though the letter they sent asked for more information which makes it clear just like their reviews on XXXX that they are just denying claims because they are so big they don't have to worry about little guys fighting back. Despite meeting all of their requirements for filing a case and submitting every single piece of evidence including irrefutable evidence that I was sold used goods and scammed capital one refuses to uphold their user agreement and any laws regarding consumer protection and get my money back from the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent activity. Please remove this account as its hurting my ability to obtain credit.

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 2025-07-28 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The original address on the complaints are not mine. I NEVER LIVED THERE!!!!!!!! 
All complaints are in my name, but the addresses are wrong. Never lived at those addresses. I never lived at XXXX XXXX XXXX XXXX, Texas XXXX never lived at XXXX XXXX XXXX XXXX, Texas. Please remove these mistakes from my credit report. 
This is the second time I have requested this. If there is a next time, I will be filing an expensive lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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 must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry is reporting not accurately on my report- The following inquiry was not accurately on my reporXXXX XXXX XXXX XX/XX/XXXX - This inquiry is reporting not accurately on my report- The following inquiry was not accurately on my report XXXX XXXX XXXXXX/XX/XXXX - This inquiry is reporting not accurately on my report- The following inquiry was not accurately on my report XXXX - XX/XX/XXXX - This inquiry is reporting not accurately on my report- The following inquiry was not accurately on my report XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry is reporting not accurately on my report- The following inquiry was not accurately on my report XXXX XXXX XXXX XXXX  This inquiry is reporting not accurately on my report- The following inquiry was not accurately on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I am filling a compliant because a creditor is reporting late payments on account for XXXX XXXX bank and the report doesn't reflect the account number and the information is inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnishers, but the late payments remain without proper validation or documentation. Under 15USC1681 S2A, furnishers must report accurate information under 15USC1681i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I am filling a compliant because a creditor is reporting late payments on account ending in in the last four digits # XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnishers, but the late payments remain without proper validation or documentation. Under 15USC1681 S2A, furnishers must report accurate information under 15USC1681i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative 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 2025-07-28 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: GA

Complaint narrative:
I was incarcerated and some XXXX stole my identity I filed a XXXX report and sent to the credit company those charges are not mine

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 2025-07-28 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:
I was incarcerated and some XXXX stole my identity I filed a XXXX  report and sent to the credit company those charges are not mine

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 2025-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
Recently, the XXXX XXXX XXXX XXXX XXXX sold the loan to Mr. CooperXXXX XXXX or XXXX XXXX XXXX I'm not sure. I think it is Rushmore Servicing. We have received letters from all four, and now the loan 's monthly payment is more than doubled from XXXX a month to XXXX a month. We have not signed any new contracts with this company, Mr. Cooper, XXXX, XXXX, or The Rushmore Management Servicing. The loan was held by XXXX XXXX and sold to XXXX for 3 years with no missed payments, and this month, it was sold to Mr. Cooper, XXXX, XXXX, or Rushmore Management Servicing. I can't imagine fees that would double my mortgage in one month. I'm concerned about predatory lending. This company is meeting all the red flags that citizens are warned to be careful about and to be watchful of. We would like a detailed accounting of all fees applied to this loan. This information was given via a phone call to the company 's XXXX number. I have not received any documents confirming this gross monthly payment change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/year>, I saw a fraudulent transaction on my bank statement for {$460.00}. I called to dispute the transaction, in which they stated that I would receive a call about the claim, which I never received. I then heard no more information about the claim. I then called again week or so later about my claim. The following business they closed my claim. I then called again about my claim and they had me email over the information I had showing it was fraudulent and the man opened my case back up. I have called a numerous amount of times and got sent to multiple people with still no repayment of my money which is so frustrating. School is approaching and Im missing XXXX that would have went towards my kids school supplies and clothes.

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 2025-07-28 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent activity. Please remove this account as its hurting my ability to obtain credit.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filling a compliant because a creditor is reporting late payments on account for XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The account number is not listed on the my report but the information is inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnishers, but the late payments remain without proper validation or documentation. Under 15USC1681 S2A, furnishers must report accurate information under 15USC1681i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative 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 2025-07-28 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: TX

Complaint narrative:
I submitted a written dispute to [ Experian/Equifax/TransUnion ] regarding inaccurate information on my credit report. Under FCRA Section 611 ( 15 U.S.C. 1681i ), the credit bureau is required to investigate and correct inaccurate data within 30 days. I did not receive a timely or adequate response, and the inaccurate data remains. I request the CFPB ensure compliance and correction of this violation.

I do not consent to E-Oscar or any mean of automated verification Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :

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 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
RE : DEMAND FOR IMMEDIATE CANCELLATION OF FRAUDULENT DEBT & REIMBURSEMENT OF LEGAL COSTS Accounts Ending in XXXX and XXXX Case No : XXXX To Whom It May Concern, I am writing to formally demand that American Express immediately cancel and remove all claims and obligations related to the above-referenced accounts, which were fraudulently opened or accessed and do not belong to me. This includes accounts ending in XXXX and XXXX. I have previously submitted supporting documentation, including : Police reports filed at the time of the identity theft, A copy of my drivers license showing my correct address, and A fraud affidavit with supporting identity verification. 
Despite this, American Express proceeded to file a lawsuit against me under XXXX XXXX. XXXX, which resulted in significant and unjust financial and emotional hardship. I was forced to retain legal representation due to these false claims, hiring XXXX XXXX of XXXX XXXX XXXX in XX/XX/year>. Unfortunately, he failed to advocate effectively, showing minimal effort in resolving the matter and instead prioritized collection of his retainer. 

As a result of your companys wrongful and negligent pursuit of this matter : I was compelled to pay installments totaling nearly {$20000.00} toward legal fees, I endured prolonged emotional stress, credit impact, and financial hardship, And I was left to navigate the legal system to correct an issue that your records should have resolved based on the evidence I provided. 
I am now represented by a new attorney who is fully aware of the facts of this case and has included a statement of representation along with this letter. You will also find attached : My drivers license, Copies of police reports and prior documentation already submitted, And an attorney letter confirming the ongoing legal handling of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally request that you remove or lift any fraud alerts, blocks, or security freezes currently placed on my consumer file. These freezes are preventing me from opening bank accounts and credit card accounts, and they are severely impacting my ability to manage my financial life. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable consumer protection laws, I request that your agency : Remove or lift any fraud alerts, freezes, or other restrictions that are currently affecting access to or verification of my consumer file.

Update my contact information on file to the following : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX To verify my identity and assist with this process, I have attached the following documents : A copy of my Drivers License with Current Address A recent Utility Bill with current address A copy of my Social Security Card

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally request that you remove or lift any fraud alerts, blocks, or security freezes currently placed on my consumer file. These freezes are preventing me from opening bank accounts and credit card accounts, and they are severely impacting my ability to manage my financial life. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable consumer protection laws, I request that your agency : Remove or lift any fraud alerts, freezes, or other restrictions that are currently affecting access to or verification of my consumer file.

Update my contact information on file to the following : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : ( XXXX ) XXXX To verify my identity and assist with this process, I have attached the following documents : A copy of my Drivers License with Current Address A recent Utility Bill with current address A copy of my Social Security Card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Thrift Investment Corp.
State: NJ

Complaint narrative:
This company reached out to me about a car I co signed a few years ago. Before I got a chance to explain my situation, a person named XXXX cut me off and began to belittle me and yell at me over the phone. I quickly ended the conversation and asked to not be contacted over the phone anymore. After I hung up, this XXXX person called my cellular phone several more times, he also sent me a text message advising that I return his call. This is HARASSMENT. I looked up this Thrift Investment loan company and read hundreds of negative reviews, this is disgusting. This company also left a business card at the front door of my home, and I found it when I returned home. I attached pictures of the unwanted calls and text messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: FL

Complaint narrative:
Since XXXX when XXXX XXXX was filed, I have had XXXX hard inquiries that I did not authorize. I also did not authorize any soft pulls of my credit and only have used the following names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have a XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX ONLY XXXX I did not authorize any other accounts. 

Student loans were XXXX due to my XXXX XXXX XXXX status, not due to 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION AND ACCOUNTS REPORTING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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 am submitting this complaint because my credit report contains inaccurate and/or unverifiable information that I have attempted to resolve directly with the credit bureaus and/or data furnishers without success. Despite providing dispute letters and requesting verification in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), the credit bureaus failed to conduct a reasonable investigation or provide sufficient documentation supporting the accuracy of the reported accounts.

Specifically : [ Collection/Charge-Off/Late Payment ] accounts are reporting inaccurately and without proper validation or original signed contracts.

No proof of permissible purpose was provided under 15 U.S.C. 1681b.

IRS Form 1099-C was not issued for a charged-off debt, or cancellation of debt was not confirmed. 
Outdated or incorrect personal information ( e.g., old addresses, names, employers ) remains on my file despite formal disputes. 
Hard inquiries were added to my report without my authorization.

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