vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI

Complaint narrative:
my ex-husband and I when we were married filed for bankruptcy and XXXX XXXX XXXX XXXX sold our mortgage to Select for the debt. We got a divorce in XXXX and in the divorce I was given the house and the debt to the house according to the divorce decree. My ex-husband passed away in XXXX. I had removed him from the deed to the house and continue to make payment to Select Portfolio servicing for the debt of the house. I noticed that they added his name and the estate name after he had passed away. He had no money and doesnt have anything in his estate. We are trying to close his estate out. Im helping his children to do that. The lawyer that is helping us told me to call and get his name removed from the debt so we could move forward with closing the estate. Select Portfolio servicing said they wont remove his name and the estate from the debt. They understand that he is deceased, but they wont do that. We can not move forward to close the estate unless his name is off the debt. I provided them with the divorce papers and the deed to the house showing that I am solely responsible for it and they still will not remove it. Im asking for your help to get his name off of the debt to the house since the divorce he was no longer responsible for it. It doesnt show up on our credit report because it was dismissed in a bankruptcy, but I have been paying on this house for a lot of years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc.
State: NY

Complaint narrative:
I do spoke with them over the phone. They just threatened me because according to them they got my information from a third party. I also spoke with the original company XXXX XXXX XXXX XXXX, and they also not been able to help me at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: PA

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2025-08-19 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-19 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XXXXXXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX  Date : XXXXXXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX Date : XXXX XXXXXXXX XXXX XXXX  Date : XXXX XXXX XXXX Date XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XXXX XXXXXXXX XXXX  Date : XXXX XXXXXXXX XXXX XXXX  Date : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXXXXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court NXXXX XXXX XXXX XXXX XXXXXXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known XXXX-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-08-19 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : CAPITALONE Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$140000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$28000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Subject : Inaccurate Reporting Capital One Account Ending in XXXX Dear CFPB, Im filing a complaint regarding incorrect and inconsistent reporting for my Capital One account ending in XXXX. While XXXX  shows accurate information, XXXX  and XXXX  continue to report different, outdated late payments for the same account. 
Ive : Disputed directly with XXXX  and XXXX. 
Contacted Capital One multiple times, including submitting a goodwill request. 
Received a letter from Capital One confirming the account is resolved, but the bureaus havent updated their records. 
The late payment occurred during a difficult timeI had lost my job and was traveling to care for my sick mother. Since then, Ive taken full responsibility and worked hard to rebuild my credit. I value my relationship with Capital One and retailer XXXX XXXX and have had no further issues. 
Im asking for CFPBs help in getting XXXX  and XXXX  to correct or remove the inaccurate data, and for Capital One to assist in that process. 
XXXX  is reporting late in XX/XX/year> XXXX  is showing ( 30 day late ) XX/XX/year>. 
However the letter attached from Capital One sent me XX/XX/XXXX states Im ( current ). - XX/XX/year>. 

Attached XXXX  and XXXX  credit reports from XXXX and letter I received from Capitalone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XX/XX/year> I visited XXXX XXXX in XXXX, TX for an emergency root canal while in excruciating pain. I live with XXXX  and XXXX, and I was not told the office was out-of-network with my insurance. I was pressured into opening a CareCredit line of credit through XXXX XXXX  for over {$3000.00} without full disclosure of cost, coverage, or long-term impact. I also paid {$400.00} out-of-pocket. XXXX XXXX refused to resolve the matter or reduce the charges, and XXXX XXXX  has not paused the debt or offered a fair resolution. I feel this was financial coercion during a medical emergency and am requesting this debt be canceled, adjusted, or formally investigated.

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 2025-08-19 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
On XX/XX/year>, at approximately XXXX PM, I went to the XXXX ATM located inside the XXXX at XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX, to withdraw {$300.00}. After inserting my card and following the prompts, I heard the machine begin to count the money, but the screen suddenly went black. It then returned with the message Loading... please wait ( see attached photo ). The cash compartment never opened, and I did not receive my funds as the machine remained frozen on that screen. I immediately went to the store clerk, explained the situation, and was told to contact the number on the ATM. While remaining in front of the machine, I called and spoke with the ATM companys customer service representative, who filed a report and instructed me to contact my financial institution to file a dispute. She also informed me that when Money Network reached out during the dispute process, she would provide them with a copy of her report with a detailed account of what occurred. It is also important to note that this ATM is located at the front of the store and is covered by camera surveillance, which will show that I did not receive any funds, that I spoke with store staff about the issue, made the phone call to the ATM company, and then followed up with the staff before leaving. 
Following these instructions, I filed a dispute with XXXX XXXX and was issued a provisional credit of {$300.00} on XX/XX/year>, while the investigation was pending. However, today, XX/XX/year>, I received a letter stating that my dispute had been denied and that the provisional credit would be reversed/debited the same day. I immediately contacted XXXX XXXX and spoke with XXXX representativesJessie, his supervisor XXXX, and her supervisor XXXXwho all informed me that I would need to file an appeal that would take XXXX days for review. Each of them also stated that without new or additional information, the appeal would not be approved. I requested the documentation used in deciding my claim and asked for it to be emailed, but was told it could only be mailed, with no timeline given. When I asked if the ATM companys incident report had been reviewed, I was told they could not provide that information because they were not part of the dispute department, and that department does not take calls. This leaves me with no ability to provide further evidence, as I had already submitted a detailed initial dispute with photos of the ATM and full documentation. 
Given that the ATM malfunctioned during my transaction, that I immediately reported the issue to both the ATM company and Money Network, and that surveillance and the incident report exist to verify my claim, I respectfully request that the {$300.00} be returned to my account as soon as possible. I also filed the appeal today XX/XX/year> via email as directed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: FL

Complaint narrative:
I am writing to formally dispute the reporting of the following accounts on my credit file. These accounts are both claiming to own the same debt with an outstanding balance. As you are aware, reporting the same debt under multiple furnishers is inaccurate, misleading, and a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

DEPT OF ED/XXXX  Account : XXXX AMOUNT : {$38000.00}

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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I believe my card information was stolen online, this includes my billing address, card info and CVV. 

I filed a fraud claim with Bank of America for XXXX unauthorized charges from XXXXXXXX XXXX on my card, which occurred on XX/XX/XXXX, XXXX, and XXXX, XXXX. These charges summing to {$2500.00} which is majority of the money in my account. I reached out and made the claim on XX/XX/XXXX, I called the next day to provide information and at no point did Bank of America ask me to provide any information, almost as if they had no real intention of investigating the matter.My physical card was in my possession at all times, and I never made nor authorized these transactions. I also reported the issue within XXXX hours. The transactions were done online, and I did not share my card details. The claim was denied on XX/XX/XXXX. I have contacted Bank of America multiple times, requested escalation to a fraud claims manager, and asked for the merchant documentation used to deny my claim, but I have not received a resolution. I am requesting that the CFPB intervene to ensure Bank of America properly investigates this unauthorized fraud and credits the funds back to my account. 

Please do a deep and thorough investigation and investigate things such as -IP address, device used, date/time, and possibly login/account info of the person who did the purchase -Check-in or check-out records, Confirmation emails or receipts These will prove that the transaction was not done nor authorised by 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 monetary relief
Consumer complaint received 2025-08-19 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: GA

Complaint narrative:
All XXXX XXXX debt collections should be off my credit report. They are apart of identity theft and also I didnt give permission for my information to be sold or reported. My information was also involved in a data breach. I will have attachments below of my identity theft report and data breach message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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:
All XXXX XXXX debt collections should be off my credit report. They are apart of identity theft and also I didnt give permission for my information to be sold or reported. My information was also involved in a data breach. I will have attachments below of my identity theft report and data breach message.

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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Credit Collection Services XXXX XXXX XXXX XXXX XXXX MA XXXX Subject : Debt Validation Request Dear Credit Collection Services, I am writing in response to your communication alleged debt collection. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt to ensure its accuracy and legitimacy. 
Please provide the following information to validate the debt : XXXXThe name and address of the original creditor. 
XXXXProof that I am legally obligated to pay this debt, including a copy of the original signed agreement with the creditor. 
XXXX.A detailed account statement showing the full amount of the debt, including the principal, interest, fees, and any other charges, along with an explanation of how the total was calculated. 
XXXXDocumentation demonstrating that your company is authorized to collect this debt, including any agreement with the original creditor assigning the debt to your agency. 
XXXXVerification that the statute of limitations for this debt has not expired. 
Until this debt is validated, I dispute its validity in its entirety and request that you cease all collection activities, including reporting this debt to credit bureaus, as required by the FDCPA. Additionally, please confirm in writing that you have received this request and provide the requested documentation within XXXX days. 
Please send all correspondence and documentation to the address listed above or via email to XXXX. Be advised that this is not a refusal to pay but a request for verification to ensure the debt is accurate and legally enforceable. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation