vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FORD MOTOR CREDIT CO.
State: AL

Complaint narrative:
I was initially contacted last year and the person was very combative when I tried to ask questions such as his name and was threatened to be arrested and yelled at. He initially couldn't give me clear information on the reason for the call other than it was for a vehicle that my ex husband owned and was paid off over a decade or so ago. When I was threatened and harrassed last year I believe I hung up on them as realized it was a scam. I never received anything from them afterwards. 

I was contacted today XX/XX/2025 again with a voice message and then my current husband was contacted on it as well. I called the # I had in my phone XXXX for a XXXX XXXX XXXX. I was told the Account Rep couldn't get on the phone so a XXXX talked with me about a Ford Ranger that I still had a debt with from Ford Credit and she said I was the primary and only one on the account which is not true. This debt was paid in full and my ex husband and I had received the title on it about a decade ago. As I explained this to XXXX, and told her that I was contacted last year and threatened about it and also told her that this is a scam. She then got very angry and begin to threaten with lawyers and such.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute a credit account being reported under my name, which I did not authorize, open, or use. The account in question is : Creditor Name : MIDLAND CREDIT MANAGEMENT ( MIDLAND CRED ) Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX. ( XXXX  ) Account Number : XXXX Amount : {$980.00} Date Opened : XX/XX/year> Current Status : Account Rating XXXX {$980.00} Past Due I became aware of this account only after a soft credit inquiry was performed by my financial well-being coach. I have no knowledge of this account, and I never applied for, authorized, or used any credit card from XXXXXXXX XXXX XXXX or Midland Credit. I do not recognize any of the charges associated with this account. 

Furthermore, under the Florida Statute of Limitations for debt collection ( generally five years for written contracts, including credit cards ), this accountopened in XXXX and with no payments verified since at least XXXX XXXXappears to be outside the enforceable period for collection. 

This account is being wrongfully reported on my credit report and is affecting my financial profile, despite the fact that the remarks clearly state : " ACCOUNT INFORMATION DISPUTED BY CONSUMER '' I respectfully demand that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. Additionally, I request that : Midland Credit and/or XXXX XXXX provide proof that I applied for or used this credit card account ; If no valid proof of authorization is available, the account be immediately removed from all consumer reporting agencies ; A written confirmation of the outcome of this dispute be sent to me. 

Please consider this letter as notice under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

Thank you for your attention to this urgent matter I will looking forward to speak or recieved an communication letter with you. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX XXXX XX/XX/year> Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Inaccurate Address from Consumer File Dear Experian, I am writing to formally dispute and request the immediate removal of an inaccurate and unauthorized address listed in my consumer file. The address in question is : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX This address is not associated with me, and its inclusion in my credit file constitutes a violation of my privacy and a failure to maintain accurate consumer reporting as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

My Correct and Only Mailable Address : XXXX XXXX XXXX, XXXX, VA XXXX In accordance with FCRA 1681i ( a ) and 1681e ( b ), I request that you : Immediately remove the inaccurate address from my file.

Conduct a reinvestigation into how this address was added.

Provide written confirmation that the address has been removed.

Enclosed Documents : A copy of my government-issued ID A utility bill showing my correct address A copy of this letter for your records Failure to correct this error may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies under the FCRA. 

Please confirm in writing that this matter has been resolved. I appreciate your prompt attention to this serious issue. 

Sincerely, XXXX 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 2025-10-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lendmark Financial Services
State: TX

Complaint narrative:
XXXX XXXX  was posted on my credit report, and I have no have an account with them.

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

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting Experian. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account Name : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$40000.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$640.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$93.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$480.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$480.00} INQUIRIES : 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 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 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 XXXX XXXX XXXX XXXX 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 2025-10-10 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: NC

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting Experian. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/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 2025-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: TX

Complaint narrative:
In XX/XX/year>, I went to the XXXX XXXX in XXXX, Texas for a XXXX XXXX XXXX They informed me I had XXXX XXXX  that would be XXXX. I asked what the cost would be and they let me know it would be ~ $ XXXX {$300.00}. I asked multiple times if that would be the final amount and I will not receive another bill in the mail and they confirmed I would not receive another bill. I signed I piece of paper that the front desk clerk just wrote the amount and I signed the piece of paper. They lied and told me I would not receive another bill in the mail and I received one for ~ {$800.00}. I had different dental insurance at the time and they should have ran my insurance and given me the correct amount at the time of service. If I knew it would be over {$1000.00} to get XXXX XXXX, I would not have completed the procedure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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:
I am writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting TransUnion. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account name : XXXX Account number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXXXXXX XXXX Account number : XXXX Opened : XX/XX/XXXX Balance : {$5500.00} Account name : XXXXXXXX XXXX  Account number : XXXX Opened : XX/XX/XXXX Balance : {$7100.00} Account name : XXXXXXXX XXXX Account number : XXXX Opened : XX/XX/XXXX Balance : {$3000.00} Account name : XXXXXXXX XXXX Account number : XXXX Opened : XX/XX/XXXX Balance : {$28000.00} Account name : XXXXXXXX XXXX Account number : XXXX Opened : XX/XX/XXXX Balance : {$590.00} Account name : XXXXXXXX XXXX  Account number : XXXX Opened : XX/XX/XXXX Balance : {$1000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX : XXXX FROM XXXX XXXX XXXX ON XX/XX/XXXX WENT TO CHASE ACCOUNT WIRE RESTRICTED AND FORM COMPLETED AT CHASE XX/XX/XXXX TO RETURN FUNDS. 

XX/XX/XXXX FUND NEVER RETURNED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: HW Holding, Inc
State: FL

Complaint narrative:
This account showed up on my credit report and dated back from XXXX. I disputed it with XXXX  on XX/XX/XXXX. Received status about my dispute stating that the results were unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Hi, I have a Chase Sapphire credit card for over 12 years. This credit card is advertising many benefits, with one of them being Trip Cancellation and Interruption Insurance. Back in XXXXXXXX XXXX XXXX i bought XXXX plane tickets to fly overseas with my wife and XXXX kids. Sadly, my wife got very XXXX XXXXnd was not able to fly with us. So i decided to file a claim with Chase Sapphire that is being administered by a third party company called XXXX XXXX XXXX XXXX XXXX a refund for her ticket. I started my claim process ( claim # XXXX ) with them back on XXXX XXXX. I provided them with every document, piece of information you could XXXX, i counted at least XXXX documents-physician note, credit card statements, proof of no refund-settlement, airline refund policy, email from airline company of cancellation of the ticket, credit card transaction, flight itinerary proof of payment etc. Many of these documents were requested twice, worded in different formats. I probably called them at least XXXX times to specify the additional requests they kept asking me. I made XXXX additional case reports over the phone explaining in detail the information they were requesting. Over the phone they made me to write emails- written dated statements about this claim explaining that there were no settlement/refund/transferred future tickets or other benefits that might have be given to my family from the airline. I spent countless hours, with this claim and this XXXX company. After almost 4 months of frustrating back and forth communication, they sent me a letter stating that my claim is ineligible. This benefit should not have been denied, this claim had all the grounds for the approval.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Payward Ventures Inc. dba Kraken
State: CT

Complaint narrative:
I notified Kraken crypto exchange that my debit card was compromised. I had just used it to purchase XXXX. I worked with the bank to save the transaction from bouncing. Kraken put my XXXX account under lock since XX/XX/XXXX. I have not heard from them since the XXXX nor have I had access or control over my money since. I work hard for it and need it for important stuff. Their ignoring me is causing me stress and hardship. I've sent over a dozen polite messages that have been ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: GA

Complaint narrative:
I am seeking legal assistance regarding a predatory loan issued by a company known only by its phone number and web site, XXXX. The loan was offered at an interest rate of XXXXXXXX XXXX  % contrary to our initial agreement, which is a direct violation of Georgia usury laws. After I made the first payment, I discovered the exorbitant and illegal interest rate. When I confronted them about it, they asked me to return the loan, but kept the first payment. I have been unable to locate a physical address for this company/ Threesticks lending.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * US DEPT OF EDUCATION * * Regarding : * * US DEPT OF EDUCATION, Account NO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Complaint : * * I am disputing the way US DEPT OF EDUCATION is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ). 

Both notices are mandatory, and the furnisher must provide them to me in writing. 

* * Details of the Issue : * * - The account in question is a credit card issued by US DEPT OF EDUCATION- The account reported positively for a period of time.- After I became delinquent, US DEPT OF EDUCATION charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice.- I never received an Adverse Action Notice. 

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit.- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. 

* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies.

2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing.

* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB.- Written confirmation that proof is provided or deletion of the charge-off occurs

Company response to consumer: Untimely response
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to formally dispute a credit account that is being reported under my name, which I did not authorize, open, or use. The details of the account are as follows : Creditor Name : LVNV Funding ( Y XXXX ) Account Number : XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX 
Account Status : Placed for Collection Account Type : Open Responsibility : Individual Date Opened : XX/XX/XXXX Amount Placed : {$1200.00} Balance : {$1900.00} Past Due : {$1900.00} Account Remarks : " Account information disputed by consumer '' Last Payment Verified : XX/XX/XXXX I became aware of this account only after a soft credit inquiry was performed by my financial well-being coach. I have no knowledge of this account, nor have I ever applied for, authorized, or used any credit card associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

I do not recognize the charges, and I believe this account was fraudulently opened or is being incorrectly attributed to me. 

Additionally, under XXXX XXXX of Limitations for debt collection ( generally five years for written contracts, including credit cards ), this accounthaving been opened in XXXX with no verified payments since at least XXXX XXXX to be outside the enforceable window for collection. 

This account is wrongfully impacting my credit report and overall financial profile. It is currently reported with the remark : Account information disputed by consumer, which confirms my prior efforts to resolve this matter. However, no satisfactory resolution has been reached. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action. Specifically, I ask the following : Proof of authorization : Require XXXX XXXX and/or XXXX XXXX XXXX to provide documented proof that I applied for or used this credit account.

Removal if unverified : If no valid proof of my authorization exists, the account must be removed immediately from all consumer reporting agencies. 

Written confirmation : Provide written documentation of the outcome of this investigation and the steps taken. 

Please consider this letter a formal dispute under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

Thank you for your time and prompt attention to this matter. I look forward to receiving a response. 

Sincerely, XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation