vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
BACK IN XXXX I WAS I PROCESS OF PURCHSING MY 1ST HOME AND DURING CREDIT CHECK HSBC COLLECTION CAME UP AND I WAS TOLD TO PAY THIS DEBT AND GET THE DEBT PAID IN FULL LETTER. WHICH I PAID AND RECIEVED LETTER ROM THE COLLECTION AGENCY AND MY DEBT WAS CLEAR FROM MY CREDIT REPORT AS A PAID IN FULL AND SATISFIED. I WAS ABLE TO PROVDE THAT LETTER TO MY MORTGAGE BANK AND I WAS APROVED FOR MY MORTGAGE AND I WAS ABLE TO CLOSE ON MY HOME IN XX/XX/XXXX. SINCE AFTER XXXX I HAVE BEEN BEING HARRASS BY COLLECTION AGENCY AND THEY ARE THREATENING ME TO ATTACH MY BANK ACCOUNT AND WILL CHARGE FOR THE AMOUNT OWED PLUSE COURT COST AND ATTORENY FEES. I HAVE BEEN CONTACED ONCE TO TWICE OR EVEN MORE FROM DIFFRENT ATTORNY OFFICE TO PAY FOR THE DEBY TO HSBC THAT HAS BEEN PAID IN FULL AND THEY ARE STILL HARRASSING ME.ATTORNEY FOR THE HSBC SAID THEY WILL SUE ME ALSO FOR THEIOR FEES AND OR THEY WILL ATTCACH THEIR LIEN AND FEES TO MY HOUSE. I AM SCARED MY CREDIT SCORE IN XXXX XXXX THIS PEOPLE ARE KEEP CALLING ME HARRASSING ME ALL THE TIME. PLEASE HELP ME. I DOMNT WANT TO LOSE MY HOUSE OR GO TO THE COURT AND TELL HSBC THAT WHY ARE THEY KEEP CALLINNG ME IF DEBT WAS PAID IN FULL LONG TIME A GO AND I PURCHASE HOUSE SINCE THEN .I PAY ALL MY BILL ON TIME AND I DO NOT OWE ANYONE ANY MONEY AND IF I DO I PAY THEM EACH PAY CYCLE PAY IN FULL. I CANT SLEEP AT NIGHT AND MAKES ME SAD AND WORRIED THEY WILL TAKE MY HOUSE. PLESE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: NY

Complaint narrative:
XXXX Debt Collection trying to collect a debt I don't know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
I do not have any public records on my report, and I kindly request, with urgency, that these inaccurate details be removed immediately. This is causing me anxiety, and I can not allow it to remain.

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 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Deposited a check of {$3500.00} via mobile app. the app did not give chance of entering check amount but submitted automatically after taking pictures. 

Contacted a service representative, was told to wait for the error to be corrected automatically during night processing. 

Error was not corrected. Contacted source bank and they indicated that they found the error and released full {$3500.00} to XXXX. PNC need to " retrieve the remaining fund from XXXX  ''. 

Tried several times calling service representatives, None of them familiar with this XXXX  retrieval process. 

As of today, the transaction still showing Posted with amount of {$120.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I received statements that I was a victim of Identity Fraud and that it was imperative that the credit card company take action and freeze my account to cease further financial damages

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 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: ND

Complaint narrative:
I am a XXXX  member, XXXX XXXX and currently an XXXX. I do not make a lot of money to begin with, and I am an added member to an account with American Express that I joined prior to enlistment. I am entitled to my Servicemembers ' Civil Relief Act ( SCRA ) but I am unable to exercise it due to the strict rules of American Express, I expressed that my pay is not enough to cover the balance that I owe, I've made large payments and I still owe a lot, nearly XXXX dollars. Because I'm not the primary account holder, I can not exercise my SCRA which has helped me tremendously. PLEASE HELP ME. This debt jeopardizes my security clearance, mental well being and health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$660.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$720.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$9400.00}

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 non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Brown and Joseph, Ltd
State: NJ

Complaint narrative:
This account has been contacting me by phone call and email constantly regarding debt that is a result of identity theft. This debt is being billed to XXXX XXXX XXXX, which I am the owner of. I have no association with XXXX, nor have I ever. The account with XXXX was a result of identity theft resulting in the debt with Brown & Joseph , LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
I am asking for your assistance to look into accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late incorrectly. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to show them as paid as agreed.

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 2025-06-30 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: PA

Complaint narrative:
I am asking for your assistance to look into accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late incorrectly. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to show them as paid as agreed.

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 2025-06-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I was sent a letter by XXXX XXXX XXXX XXXX years ago which stated I owed several XXXX dollars for items purchased ( sorry I can not remember the dates ). The items apparently were sent to an address in XXXX XXXXXXXX XXXX, where I have never lived nor do I know anyone living there. I let them know that someone apparently used fraud to obtain the items. Later, I saw on my credit report that the item was charged off and the collection company XXXX XXXX showed a balance of {$2800.00} for XXXX XXXX XXXX XXXX. I sent a letter disputing this charge off and requested proof that it was my debt and it was promptly removed and reported to all XXXX credit bureaus and they issued a letter stating the same to me which I still have a copy of. I am now receiving another collection notice and charge off from a different collection company Credence Resource Management LLC ( XXXX ) stating I owe {$2800.00} for the same account # from XXXX XXXX XXXX XXXX. My FICO credit score has taken a drastic dive and I am needing to apply for a loan soon and this will affect the rate I will get. I have spoken with Credence and offered to give them the letter and information, but they are reaching out to XXXX XXXX XXXX for verification. I just wish to get this thing done and over with... 
Thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: LoanCare, LLC
State: NC

Complaint narrative:
I deferred a few of my payments to the end of my loan after hurricane XXXX took us out in XXXX, my mortgage amount did not change indicating the amount is still inside my loan, now I'm about to close and they can not or will not conclusively explain where the extra XXXX dollars they want me to pay over and above what I owe on the mortgage is coming from, and they refuse to understand simple numbers to show its not owed. I close on the XXXX of XXXX so I need help fast, and now I'm wondering after my very shady XXXX hour phone call with them, How many others have they done this to? They need to be investigated for fraud against their customers, here in NC this is the kind of thing that runs unchecked, and almost everyone is guilty of, and because they can..... no oversight at all!

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 2025-06-30 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: RI

Complaint narrative:
i was assigned as co signer on this account without consent or knowing the primary holder on this loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Balance {$14000.00}

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 non-monetary relief
Consumer complaint received 2025-06-30 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of informati
on. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-06-30 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: CA

Complaint narrative:
Since XX/XX/2025, I have disputed inaccurate information on my Experian credit report related to my XXXX XXXX XXXX Credit Card. Despite multiple disputes with both Experian and XXXX XXXX credit dispute departments, the inaccurate information remains unresolved. Instead of correcting the data, Experian removed the credit card entirely from my report without updating it accurately. 

XXXX XXXX closed their investigation without correcting the information or providing explanations. This failure has negatively impacted my rental applications and my ability to open a business credit card. 

My XXXX  XXXX  XXXX  credit reports show accurate, up-to-date information, so this issue is specific to Experian and XXXX XXXX reporting. 

Under the Fair Credit Reporting Act, both the credit reporting agency and the information furnisher are required to investigate and correct inaccuracies. Their failure violates my consumer rights and causes me financial harm. 

I am requesting the CFPBs help to ensure Experian and XXXX XXXX comply with federal law and correct my credit report promptly.

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 2025-06-30 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: NJ

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-06-30 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:
In XX/XX/XXXX, I discovered multiple fraudulent accounts and credit inquiries on my Experian credit report while preparing to apply for a mortgage. These entries were not authorized or initiated by me and are the result of identity theft. 

The accounts include : A credit card account with XXXX XXXX XXXX XXXX XXXX credit card account with XXXX XXXX XXXX personal loan with XXXX XXXX  A utility collection account with XXXX XXXX XXXX XXXX fraudulent inquiries appeared between XX/XX/XXXX and XX/XX/XXXX and include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I filed a police report and an FTC identity theft affidavit and submitted disputes with supporting documents. I am requesting that Experian block these items under FCRA 605B, which requires identity theft data be removed within 4 business days of receiving evidence.

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 2025-06-30 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: HI

Complaint narrative:
I have noticed that my credit report contains incorrect personal information, and as a result, an account I do not recognize has appeared under my name. I am a victim of identity theftmy personal information was used without my consent, and I am now being linked to an account I was never associated with. As instructed by Experian, I filed an FTC Identity Theft Report and submitted all required documentation. Despite taking these steps, the fraudulent item still remains on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Called today XX/XX/year>, to have a few wires transfers to be refunded as my apartment searched ended up being a scam. Was told by my bank that since Ive authorized the transfers they can not help me. Asking to recoup my {$6500.00}

Company response to consumer: Closed with explanation