vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berman & Rabin, P.A.
State: TX

Complaint narrative:
I have had a dispute with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that has been escalated to a debt collector under false pretenses. The debt collector has placed a lien on my house and did attempt to initiate foreclosure ( blocked by XXXX ), and has included two fines : {$270.00}, and {$650.00}. This was done while I was working through resolution with XXXX. The debt collector did not notify XXXX  or the XXXX XXXX that I had initiated a dispute, leading the XXXX board to approve a lien placement on my house, as they believed I was ignoring communication. The debt collector went so far as to specifically tell XXXX  that I HAD NOT been in contact as of XX/XX/XXXX, which is demonstrably false ( images uploaded of contact on XX/XX/XXXX and XX/XX/XXXX, both by phone and by e-mail per phone guidance ). 

Berman & Rabin also appear to be operating under another name and providing that name to XXXX  under false pretenses- they are using the business name " XXXX XXXX XXXX' and no one from XXXX XXXX  has ever contacted me, though they have given guidance to XXXX to send disputes to them ( image uploaded of XXXX  portal confirming this guidance, as well as e-mail from XXXX  acknowledging they have written to XXXX XXXX to try to help resolve ). I contacted Berman & Rabin again by phone on XX/XX/XXXX and discussed - XXXX XXXX did not know who XXXX XXXXrts was. I addressed this in e-mail ( image attached ). Berman & Rabin have never initiated contact with me to work on a resolution plan ( though I have reached out to them multiple times with this request ), have misrepresented me in bad faith by telling XXXX  that I have never been in contact with them, and have misled me and XXXX by advising to contact XXXX XXXX- who have never contacted me back, and who XXXX XXXX had no knowledge of.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I was notified by XXXX XXXX of a collection on a credit card from XXXX XXXX. I sent a certified validation letter to both XXXX Bank and XXXX XXXX on or about XX/XX/XXXX. Neither XXXX of them responded. about 2 months later on or about XX/XX/XXXX I received a letter from XXXX/LVNV about the same debt, and again I sent a certified letter to them, and they didn't respond. I received a third collection letter for Resurgent Capital on or about XX/XX/XXXX and again, I sent 3 certified letters with a validation request every 30 days and Resurgent ignored these letters. On XX/XX/XXXX I received a letter from XXXX and XXXX, a law firm in XXXX XXXX XXXX. I sent them copy 's of all the letters I sent to collect the debt, and I received an email from XXXX XXXX a Partner in the firm. We corresponded a few times and he said he was talkin with his client to remove the collection and he would get back to me. I asked about it several times and as usual I didn't hear anything. I sent another email about getting it removed and someone named XXXX XXXX responded and said the file was closed and they didn't report to credit bureaus. I sent him an email sayin the letter came from them and they needed to let their client know it needed to be removed and he said it was closed, but they wouldn't remove the collection. I need help getting a XXXX XXXX XXXX collection removed for lack of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: OH

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: OH

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This complaint is legitimate and requires immediate attention. My credit report contains inaccuracies that do not meet the FCRAs standard of maximum possible accuracy. These errors are having a serious negative impact on my life and must be addressed without delay.

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX ) {$2500.00} XX/XX/year> {$950.00} XX/XX/year> Disputed with chase was advised that bill of lading was signed by a family member not the card holder nothing could be done XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$2500.00} and {$950.00} I dispute the charges as the movers did not complete the move. Leaving several items behind in addition to items that the mover said was not allowed to be moved. We contacted XXXX XXXX XXXX  and was advised that the movers had informed them we told them to leave. This was not true, the driver said he could not get in touch with a manager and that we could finish the move ourselves. I informed them I would be disputing the charges. He shrugged his shoulders and said OK. In addition to not completing the move the items that was moved we have found extensive damage 1 broken screen 65 in tv, damaged Porter Dining table ( witnessed the mover rolling it on rocks tried to talk to him he responded I dont understand, damaged 2 recliners beyond repair, Damaged video game cabinet, Stolen 2 mens wedding rings, 1 set 1 carat diamond stud earrings, 20 8ft aluminum angle iron.

Items had been unboxed and went through and poured into other boxes. Example items from a bedroom nightstand was found in a garage box with automotive tools. All attempts to speak with XXXX XXXX XXXX have been unsuccessful. A police report is to be filed with XXXX  for the stolen items. A delay in filing a police report is due to jurisdiction issues to be filed in XXXX XXXX or XXXX XXXX. Also, you are required to sign and pay prior to receiving or getting to inspect items as can be seen in the times on the XXXX of XXXX. XXXX XXXX increased the cost by approximately 3 times and blamed the price increase on the employee who priced the move. Several online complaints have been filed against XXXX XXXX for similar customer complaints. It should be noted I tried to cancel the charges with the driver and did inform them I would file a dispute Police report for stolen item XXXX Grand Larceny.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
I am beyond frustrated with the continued presence of false and damaging information on my Experian credit report. These are not minor oversights or clerical errorsthey are substantial misrepresentations that are actively sabotaging my financial progress and personal stability. 

I have gone through the formal dispute process in good faith, with the reasonable expectation that these issues would be corrected responsibly. Instead, I have been met with silence and negligence. The failure to properly investigate and resolve these inaccuracies leaves me feeling ignored, disrespected, and financially punished for mistakes that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I set up autopay for a Bank of America car loan with a modest overpayment that was to be applied directly to principal. There was an option on their website for this versus overpayments going towards the next payment. The last 53 payments were not applied to the principal, and yes, shame on me for not keeping a closer eye on it. However, there are a lot of people complaining about similar circumstances. My regular payment was {$520.00} and I'd been paying {$530.00}. While it's only a hundred or so dollars in missed savings, it would have enable me to pay it off a few months early.

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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
XX/XX/XXXX I received my check deposited into my account from work paid bills new somethings were pending because I had to wait for them to clear today on XX/XX/year>. I knew after bills cleared I would have about {$130.00} left in my account. This morning I woke up with my account being negative $ XXXX and some cents. I log into my online banking and see that XXXX took out {$230.00} for a yearly renewal payment. At this point I'm upset because I called XXXX last month to cancel this because I knew I wouldn't have the full amount to pay the renewal. So me knowing I have overdraft protection on my account the payment wouldn't process. Not to mention if you look at my account history my account is NEVER in the negative. So I called and spoke to customer service for Huntington was told that there was overdraft on my account and they don't know why it went through. No one was willing to assist basically told me there's nothing they can do to resolve the overdraft. Now what's not fair as me being your long time customer being with the bank for a service to be provided by the company and not follow through on a service that was offered I should of not had to pay for my account being negative. I would like to have {$130.00} refunded back to me because the business allowed the transaction to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have a couple of Credit Cards with Bank of America for more than 5 years now and very regular with the payments, never been late. Lately on one of the Credit Card I received an offer for a Balance Transfer, which was for more than a year, till XX/XX/XXXXXXXX XXXX XXXX interest on a balance transfer and after XX/XX/XXXX will be 22.24 %. I accepted the offer, I did the balance transfer, and I paid the respective fee that was associated with the offer. Now every month for this card I am paying the minimum due monthly amount of the balance transfer + all the remaining balance of what I used the card during the month. Sometimes even a little bit more just in case my calculations were off. Since I did the balance transfer, I have started to get Purchase Fees of 22.24 % for every purchase I do during the month even though I am paying that amount in full every month. I went to BOA XXXX in XXXX MA XXXX on XX/XX/XXXX in the morning and they helped me to get in touch right away with customer service because they couldn't explain what those fees were. The customer service said yes, we have those fees now even though I am paying that amount in full every month. I am very frustrated because their offer is a lie, that they are getting fees that don't make sense, and all this practice is very dishonest toward me as a customer.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
These accounts were opened without my permission and should not appear on my credit report. I respectfully request that they be removed to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the late payment that appears on my credit report. My documentation confirms that no payment was late, making this entry inaccurate.

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 2025-09-04 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute one or more bankruptcy-related entries listed on my credit report. These entries are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe bankruptcy entries remain on my credit file without proper verification or correction. In some cases, these negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these bankruptcy entries and removal of any entries that can not be substantiated with accurate documentation.

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