vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Back in XXXX  I hired XXXX XXXX subcontractor for a project and utilized Home Depot 's credit card and financing I was told it would be interest free for XXXX year and if it was paid off there would be no interest at the end of the interest free period all interest fees for the previous year were retroactive adding almost {$5000.00} to my balance this was not how it was explained to me and now they have ruined my credit and refused to take back saying that it was in the document I signed when the XXXX clearly explained to me it would only be interest accruing after the interest rate. Not retroactively

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Although the account has been paid in full, late payment remarks are still appearing.

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 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
FORMAL VALIDATION DEMAND & FRAUD DISPUTE ILLEGAL COLLECTION REPORTING ABSOLUTE RESOLUTIONS INVESTMENTS , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX RE : FORMAL VALIDATION DEMAND & FRAUD DISPUTE ILLEGAL COLLECTION REPORTING Dear Compliance and Consumer Relations Department XXXX This letter serves as a formal dispute and validation demand under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). It has come to my attention that your company, Absolute Resolutions Investments , LLC, has reported a collection account on my consumer credit file without my knowledge or authorization. This account appears on my XXXX  and XXXX  credit reports with conflicting dates : an opened date of XX/XX/XXXX, a reported date of XX/XX/XXXX, and a XXXX  delinquency date of XX/XX/XXXX. These inconsistencies indicate unlawful re-aging and negligent furnishing of information. 
Under 15 U.S.C. 1692g, you are required to provide written verification of the debt upon request. I hereby demand the following : XXXX. The original signed contract or application bearing my signature and date. 
XXXX. The complete chain of title and assignment proving ownership of the alleged debt. 
XXXX. A copy of the XXXX or any IRS filing associated with this account, if applicable. 
XXXX. Proof of compliance with FCRA 623 ( a ) ( 1 ) ( A ) ensuring accurate data furnishing. 
XXXX. Documentation showing that you conducted due diligence to confirm my identity prior to furnishing this data to XXXX or XXXX. 
I am a documented victim of identity theft, with verified FTC Identity Theft Report and supporting documentation already provided to the credit bureaus. Reporting an account tied to identity theft, without substantiating ownership, is a violation of FCRA 605B ( 15 U.S.C.

1681c-2 ), which requires deletion of disputed fraudulent data within XXXX business days of receiving proof. 

In addition, your actions may constitute violations of the following laws : FCRA 607 ( b ) Failure to ensure maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known or believed to be inaccurate.

FDCPA 807 ( 2 ) ( A ) False representation of the character, amount, or legal status of a debt. 
FDCPA 808 ( 1 ) Attempting to collect an amount not permitted by law. 
If you fail to provide the requested verification and documentation within XXXX  days of receipt, I will escalate this matter with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney General for enforcement review and penalties. 
Please send all responses in writing to the mailing address listed above. Do not contact me by phone. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( XXXX ), Truth in Lending Act ( TILA ), and the XXXX-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under XXXX XXXX XXXX, XXXX XXXX, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the XXXX imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( XXXX ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP
State: CA

Complaint narrative:
On XX/XX/year>, I was contacted by someone posing as a client named XXXX XXXX ( email : XXXX ) who claimed to hire me for a freelance illustration project. He sent counterfeit checks to deposit into my XXXX XXXX  account and instructed me to forward part of the funds to a printing company using XXXX. 

Since XXXX deposited the checks without issue and made the full balance available, I believed they were legitimate. Following his instructions, I sent a {$1100.00} XXXX payment to XXXX XXXX from my XXXX XXXX account on XX/XX/XXXX and completed the requested work, sending the finished design to him on XX/XX/XXXX. 

A few days later, XXXX notified me that the checks were fraudulent and restricted my account. I immediately reported the fraud to both XXXX XXXX  and XXXX XXXX by phone on XX/XX/year>. 

XXXX XXXX denied my dispute, then reopened it when I provided documentation, including XXXX  fraud letter, emails, and text messages showing I was deceived. Despite this, XXXX XXXX again determined there was no error without a written explanation. The XXXX payment was made under fraudulent inducement, not a voluntary peer-to-peer transfer. I acted in good faith, reported the issue promptly, and provided full proof of deception verified by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX To Whom It May Concern, I am writing to formally request the inclusion of a credit account in my consumer credit file pursuant to 15 U.S. Code 1681c-2, which grants consumers the right to request that a credit reporting agency include information relating to their credit accounts. 
The account I wish to have included is : Creditor Name : Exeter Finance Account Number : XXXX Date Opened : XXXX Balance : XXXX Under 15 U.S. Code 1681c-2 ( a ), I am exercising my right to request that this account be added to my credit report. I understand that the credit bureau may require verification of the accounts accuracy and legitimacy, and I am providing the following documentation to support this request : A copy of my government-issued ID Proof of current address Documentation from the creditor verifying the account details Please confirm receipt of this request and notify me of the outcome of your investigation. If the account is not added, I request a written explanation detailing the reason and the contact information of the party who verified the decision. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Starting back on XX/XX/XXXX I had some disputes with my Chime Checking account and Chime credit builder account. Disputes were filed. But because of the way the thieves stole money they split the disputes into many many disputes. And had missed some charges so I had to call back a few times to get all in. The disputes were all for online card not present transactions. And atm withdrawals. The bank investigated and found about half to be fraud and denied half. Then closed my account with a XXXX hr notice and no reason. The disputed charges that they denied were not investigated properly. I requested info and proof and never got any. Further more the charges were denied in dispute XXXX XXXXXXXX for XXXX there was a charge of {$1000.00} that was debited from XXXX. Which the bank had also determined in other disputes that it was fraud and approved refund. Claim XXXX XXXXXXXX for {$1800.00} was all charges from a company called XXXX. Ironically chime had already decided the charges were fraudulent from that merchant and refunded {$2300.00} for claim XXXX XXXXXXXX and promised that merchant would not be able to charge any more and the following day XXXX more charges XXXX  too same company. The XXXX disputes that were rejected are all part of the same fraud and were not investigated properly, they were blanket denials. The bank was negligent in stoping the fraud and admitted it on phone, then without reason closed my account. I want the XXXX disputes that denied to be reopened and properly investigated as they are the exact same fraud as ones Chime determined to be fraud. The disputes are, claim XXXX XXXXXXXX for {$3200.00} claim XXXX XXXXXXXX for {$1700.00}, and claim XXXX XXXX for {$1800.00}. The XXXX claims total {$6800.00}. I want all XXXX claims to be reopened and properly investigated. And I want full compensation as I am not liable for the fraud. I have made police reports and am willing to sue or go to arbitration if needed. Very unprofessional how they handled this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
On XX/XX/year>, I contacted Aldous & Associates directly at ( XXXX ) XXXX to request documented proof and verification that the ( XXXX ) XXXX accounts they are reporting under my name legitimately belong to me. I respectfully asked for the original signed contract, billing statements, or any form of written authorization linking me to these alleged debts. Despite my clear and lawful request, their representatives were unable to provide any documentation or explanation verifying ownership or permissible purpose. 
Their inability to validate the accounts, coupled with their continued reporting, demonstrates reckless disregard for accuracy and my consumer rights under the Fair Credit Reporting Act ( 15 U.S.C. 611 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 809 ). I am therefore requesting that the CFPB investigate Aldous & Associates for unverified and unlawful reporting and require deletion of these accounts from all credit bureaus. 
I have never received any letters, bills, or statements from Aldous & Associates regarding these alleged accounts. At no point did they provide written notice, validation, or documentation identifying the original creditor or the amount owed. Their failure to communicate or validate these alleged debts violates my rights under 15 U.S.C. 809 ( a ) of the Fair Debt Collection Practices Act, which requires written notification of any debt within XXXX days of initial contact, and under 15 U.S.C. 611 of the Fair Credit Reporting Act regarding investigation and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Sunbit, Inc.
State: SC

Complaint narrative:
I am filing this complaint against Sunbit , Inc., the issuer of my XXXXXXXX XXXX XXXXXXXX XXXX Credit Card. for failure to unlock my account despite repeated identity verifications over the past XXXX  days. I was approved for a card on XX/XX/year>. On XX/XX/XXXX, my card was locked. I called Sunbit around XXXX PM ( noon ) and confirmed all recent transactions. The representative assured me my card would be unlocked within minutes. When it remained locked, I called again around XXXX PM, re-confirmed all transactions, and was again told the unlock would occur within minutes. It did not. At approximately XXXX PM, I initiated an online chat with Sunbit support. This time, I was told I needed to submit identity verification documents ( driver 's license, bank statement, and utility bill ) for review before my card could be unlocked. By XXXX PM, I sent what had been requested to XXXX. 
Since then, I have made over XXXX phone calls totaling several hours, submitted and resubmitted identity verification documents at least XXXX times, and initiated multiple online chats. I have been stuck in an endless loop of " XXXX business days '' and sometimes even " XXXX hours '' responses with no actual resolution. I've been told that it's been escalated and that I would be receiving call backs and not once have I received an email or call back offering any type of update or anything. Sunbit 's failure to process my verification in a reasonable timeframe violates the Fair Credit Billing Act and Regulation XXXX  requirements for timely investigation and resolution. I respectfully request that the CFPB investigate this matter and require Sunbit to take immediate action. Thank you for your assistance in protecting consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Momnt Technologies, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I met with XXXX XXXX representative XXXX XXXX XXXX XXXX to discuss a bathroom remodel. He advised that I was approved for a loan of up to {$22000.00}. I redesigned my master bathroom and was given contracted price for the install of {$18000.00}. XXXX further advised that I would be updated on the arrival of the materials ( from XXXX ). After approximately XXXX weeks, I notified XXXX regarding the materials and my order. His response was there was a back order, but it would be within time. 

The order never came and XXXX stopped answering my calls. I was able to notify XXXX XXXX at XXXX, an employee who worked with XXXX, and was informed that the business was no longer operating at the time and that the owner of the business, XXXX XXXX, had not paid workers at the business. He advised that he heard that the owner had left the country, possibly to XXXX, with monies that were intended for bathroom remodels. He further advised that there were several upset customers that not only never got their bathroom installed, but lost money that was paid for jobs never completed. 

I contacted ( unknown ) workers at the owners second known business, XXXX XXXX of XXXX XXXX. I was told that my order was not showing in their system for materials to be delivered and that the business had been suspended and directed to contact the loan company that paid the company to do the bathroom work. I notified Momnt  XXXX  XXXX and explained that my bathroom was never completed and I never received any financial payouts from the loan. I was told that the loan money had been taken by the owner of the company and he left the company. Momnt opened a ticket for my complaint on XXXX. I notified them on several occasions with no resolution. 

In XXXX, I started receiving late notices for failure to pay the installment loan agreement number XXXX. I hired an attorney to dispute this allegation, as I didn't not receive any financial gain from this loan. However, my credit has been deeply affected by this sole account. 

It should also be known that I have disputed this account with the XXXX credit bureaus. Further, XXXX XXXX ( the owner ) is shown as a merchant with the listing of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/year>, I contacted LVNV Funding directly to request proof and documentation regarding XXXX accounts that are being reported under my name. I respectfully asked their representatives to provide validation of these debts including the original creditor information, account documentation, and any signed agreements that would link me to these accounts. 

LVNV Funding was unable to provide any verification or documentation showing that these accounts legitimately belong to me. I have never received any letters, bills, or written notices from LVNV Funding identifying these alleged debts or advising me of any right to dispute. This failure to provide validation or proper notice violates my rights under 15 U.S.C. 809 ( a ) of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 611 of the Fair Credit Reporting Act ( FCRA ), which require accurate reporting and proper investigation of disputed information. 

Their continued reporting of unverifiable accounts demonstrates negligence and disregard for consumer-protection laws. I am requesting that the CFPB investigate LVNV Funding for inaccurate and unverified reporting, unlawful data handling, and failure to provide validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Slovin & Council Co., L.P.A.
State: OH

Complaint narrative:
I am being contacted by this company about an old debt that appears to be time-barred under Ohio law XXXX 

The company claims there was a court judgment issued in XXXX, but I moved out of the property in XX/XX/XXXX, which is when the debt would have accrued. In XXXX, the statute of limitations for written contracts and debt collection is six years ( Ohio Revised Code 2305.07 ). That means any lawsuit or judgment filed in XXXX would have been past the legal time limit. 

The documentation the company sent to me indicates that notice of the amount due was mailed in XX/XX/XXXX and XX/XX/XXXX to my old addressthe one I vacated in XX/XX/XXXX. Because of this, I was never properly notified of any legal proceedings or judgment. Despite my repeated requests, they have still not provided valid proof or certified copies of a legitimate court order or judgment. 

In addition, the company sent me a letter threatening that I could lose my job if I did not comply with their demands. This language is intimidating and appears to be a violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits false, misleading, or threatening statements. 

I believe the company is attempting to collect on a time-barred and improperly obtained judgment and has engaged in deceptive and coercive practices. Their actions have caused me stress and confusion. 




Supporting details : Date of alleged judgment : XX/XX/XXXX Date debt originated : Around XX/XX/XXXX State : Ohio Law cited : Ohio Revised Code 2305.07 ( six-year statute of limitations on written contracts/debts ) Threatening statement : It is to your advantage to avoid garnishment of personal earnings because the placing of extra burden on your employer possibly could cause you to lose your job.

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 2025-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Request for Full Discharge of Student Loans Due to XXXX  Misleading and Unlawful Practices I am writing to formally request the discharge of all student loans held by XXXX  due to the companys deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. XXXX  misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon due to capitalized interest. This manipulation has led to years of financial strain and has profoundly affected my ability to meet my financial obligations. In addition, XXXX  has a history of misreporting my payment status to credit agencies, severely damaging my XXXX XXXX. The misinformation provided by their representatives has delayed my pursuit of more favorable repayment options and contributed to an overwhelming amount of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which XXXX has been sued by numerous states and the Consumer Financial Protection Bureau ( CFPB ). XXXX  conduct has caused me significant financial harm, mental distress, and a long-term burden that could have been avoided with honest and fair guidance. As a borrower who relied on XXXX  advice and entrusted them to manage my student loans be fully forgiven.

Company response to consumer: Closed with explanation