vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I contacted customer service to inquire why my monthly interest charges remain unchanged after making a one-time principal payment of {$40000.00} on my mortgage. Unfortunately, the representatives I spoke with appeared unsure how to address my question. Each time they attempted to escalate the issue to a supervisor, the call was unexpectedly disconnected. This has occurred three times now, and I have yet to receive a clear explanation or resolution. I firmly believe that any additional attempt to contact them will result in the same issue.

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 2025-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Back in early XX/XX/year>2025, I discovered that someone had used my Social Security number and personal information to fraudulently open a credit card account with Capital One. I immediately contacted Capital One to report the incident, and shortly after, I received a letter dated XX/XX/scrub> 2025, confirming that the account was deemed fraudulent. At that time, I was informed that the account would be removed from my credit report within 60 to 90 days. However, that timeframe has passed, and the account is still showing on my credit report. 

I followed up with Capital One last week and have unfortunately been given the runaround. I was told someone would be contacting me, but I have yet to receive any communication. I was also informed that they would reach out to the credit bureaus again to ensure the matter was resolved, only to find out later that no further action has been taken since XXXX. This situation has caused significant frustration and concern, and I am urgently seeking resolution to have this fraudulent account properly removed from my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am a victim of identity theft. I recently discovered accounts and collections being reported under my name that I did not authorize or open. These accounts were sold or assigned to third-party collection companies without my knowledge or consent, and I have no contractual relationship with them. 

I submitted an identity theft report through XXXX and filed disputes with the credit bureaus and the collection companies, providing documentation including my FTC report and identification. Despite this, the companies continued to report the fraudulent accounts, failed to conduct a proper investigation, and have not removed the items from my credit reports. 

This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

I am requesting that the CFPB investigate this matter and require the companies to : Remove all fraudulent accounts and inquiries from my credit reports Cease all collection attempts related to accounts I did not open Provide a written statement confirming the deletion and resolution of the matter I have attached all relevant documents including my identity theft report and previous dispute correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: MD

Complaint narrative:
I have previously disputed XXXX, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am disputing a {$2100.00} Apple Pay charge on my Apple Card issued by Goldman Sachs. I did not authorize this transaction and have no knowledge of it. Ive submitted multiple disputes over the past few months. 

Each time, I received a temporary credit, and then the charge was re-applied without any clear evidence or explanation. I was never shown documentation proving I made the purchase. 

Ive requested escalation, transparency, and even offered to resolve the account through settlement. All requests were denied. I am now being told there are no options and no flexibility, despite being a long-standing customer in good standing. 

This has caused significant XXXX, and I believe this violates my consumer rights under the Fair Credit Billing Act. Im requesting that the disputed amount be removed or reviewed by a higher authority, and that I not be forced to pay for something I never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MN

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: DC

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Started receiving calls saying I will be located at my house or my place of business to try to collect a debt these calls started XX/XX/year> at XXXX am from phone # XXXX. I called the number that was given on the voicemail XXXX. I was told then that I would be sued by acima for debt owed in the amount of {$2400.00}. I asked for a validation of debt to be sent to me. I was told that was not going to happen because I am just going to be sued over the debt and will be responsible for the debt and court costs totaling above {$5000.00}. I said I would be unable to pay that in full since I am in XXXX school and not working. I was told to wait until I get served paperwork that will have a court date on it and when I am to appear in court. I asked for validation paperwork again and was told I would not receive anything since I am being sued over the money. I received another call today XX/XX/year> from the " locator '' he left another voicemail stating I will be located about this claim that is being filed against me in my county of residence. I called the XXXX number back a few times and never received any answer or voicemail. When I tried to look the number up nothing would come up with a match. I called the XXXX number back and was told there is nothing I can do and will not receive a validation of debt because I am just going to be sued over it and can wait until I get a court date. i asked again for paper work or anyting that could be done to validate so i can make payments or figure out what to do. The lady told me that I could not do anything because I told her yesterday that I am not working and in XXXX school so she knows I don't have money to pay the {$2400.00} in full. 

I logged in to my acima account to see where the debt went to and on the website it said it was now with XXXX XXXX XXXXXXXX, XXXX phone number XXXX. I called that number and gave them the account number from acima. The man told me that he didn't have my file and gave me a different number XXXX. I called them and the lady who answered said they have legal rights to my debt and it is in the process of being sold again. I gave her the number that was telling me I was being sued and she told me I was not being sued over the debt and it was more than likely fraudulent. She asked if I received a validation of debt in paperwork. I said no that I had been asking but nobody provided it. She said that I should not keep speaking to those people calling and just wait to receive a phone call from the other company who ever gets the debt. She just doesn't have that info just yet. 

I am not sure what to do now. I have tried everything to get ahold of someone to help me with this. The calls are harassing my family members and scaring them because they keep leaving voicemails that I will be located and sued. I have tried to resolve this and I can't seem to get anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Between XX/XX/XXXX to XX/XX/XXXX, I was online shopping for tickets towards a local festival event coming up. I found a group which I thought was safe but eventually not had admins who run the groups for selling and buying tickets. I contacted XXXX of the admins whom I tried to get XXXX tickets from for {$1000.00}. I used XXXX as my main source of transfer as it was the only option that I had as others were not working. As I sent my funds through, I was only able to send {$500.00} daily due to the Chase/XXXX  limit . So I made payments each day until {$1000.00} was supposedly met. I was not notified from her if the first transaction went through but as I was waiting for the second {$500.00} to go through, she told me that the her account/bank had emailed a refund back to my account ( which I have never gotten since ). I thought I could try a different account, naively thinking I would get the refund for sure, but I ended up paying in total of {$1500.00} with a promise of refunds which never happened. Additionally even after trying to get a refund or maybe XXXX tickets instead, she persists on me making the last half of the payment and would not allow me to receive the tickets nor the money I paid. Currently she has been trying to get me to pay up which I can not trust anymore due to the record my payments going through and her saying that she did not receive them even though they were the accounts she suggested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request the removal of a derogatory mark recently reported on my credit file by Ally Financial. 
In or around XXXX, I entered into a XXXXmonth lease agreement for a XXXX XXXX XXXX XXXX XXXX, financed through Ally Financial. The monthly lease payments were approximately {$2300.00}, with a {$15000.00} capitalized cost reduction down payment. All payments were made on time without any delinquencies. 
In XX/XX/XXXX, I sold the vehicle to XXXX XXXX XXXX, a licensed pre-owned luxury car dealership located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The dealership, through its owner XXXX, contacted Ally Financial to obtain the payoff amount. Ally Financial provided the full official payoff figure, and XXXX XXXX eCars paid that amount in full. I received a digital receipt confirming the transaction, and the lease account was effectively closed.

Months later, Ally Financial contacted me and claimed they had made an error in calculating the payoff, asserting that a {$420.00} " disposition fees due at the end of the lease. However, this fee is inaccurate and unjustified, as the vehicle was not surrenderedit was sold to a third party. The lease contract does not mention a {$420.00} fees in case the car is purchased before the end of the lease. The transaction was completed in good faith by all parties based on the payoff provided by Ally Financial.

I requested written documentation from Ally Financial to explain this fee, as I am hearing impaired and unable to communicate effectively via phone. Despite multiple requests, they failed to provide any written response or clarification. 
Then, in XX/XX/XXXX, I unexpectedly received an Ally Auto Alert prompting me to set up a payment plan for the {$420.00}, again without explanation. Finally, in XXXX XXXXtwo years after the alert and four years after the initial transactionXXXX XXXX reported the alleged outstanding balance as a settled debt to the credit bureaus. As a result, my credit score dropped from XXXX to XXXX, significantly damaging my financial standing. 
I respectfully request that this inaccurate and unfair reporting be investigated and removed from my credit file. I have acted in good faith throughout this process and fulfilled all obligations associated with the lease. 
Thank you for your time and prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Applied for a XXXX XXXX  XXXX business card and received a hard inquiry on my credit report ( attachment XXXX ). XXXX  days later I received a denial letter that they were unable to access my credit report ( attachment XXXX ). I called the bank twice but was unable to resolve my issue. The answer from them was unlock your credit, apply again but leave it unlocked for several days. I do not want XXXX credit hits due to their error.

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 2025-07-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
XX/XX/year> - called to remove restriction on saving account. They asked for SSN and to send pictures of driver 's license. After these were sent they informed me the restriction could not be lifted unless I came into the nearest branch which was in XXXX, XXXX  and I live in XXXX. I asked to speak to the manager and he said there was no other way besides going XXXX miles, out of state, to validate the account at a physical branch. I couldn't access any funds ; total of {$13000.00}. I told them I'd need access to even get a flight or drive to get to the nearest branch since they barred me from access to my money. The manager said they couldn't help me. I asked if they could close the account and have them send me the money back and they said they couldn't. I asked why the restriction was placed and they said they couldn't tell me. 

Prior to this, late XXXX, I had opened Capital One 's 360 savings account and put my family 's savings into it. 

XXXX XXXX, they restricted my account XXXX separate times saying I needed to validate myself. The first time just took a driver 's license picture and a selfie. Second and third time required capital one to be on the line with my other bank and myself on the same line to validate that I am who I say I am. 

So after driver 's license verifications, talking to my other bank with me on the line twice, taking a selfie, and giving a SSN every time, I still couldn't authenticate myself unless I went to a branch XXXX miles away and now have no access to my funds. After talking with my previous bank, we still had access between both my bank and my capital one savings account and they were able to pull the XXXX out from Capital One. I can't access any documents or statements on my capital one account anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MN

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-23 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: MN

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-23 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXXXXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXX  - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the 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