vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance : {$9000.00}, XXXX XXXX XXXX XXXX Balance : {$5500.00}, XXXX XXXX XXXX XXXX Balance : {$1900.00}, 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 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 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

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capital One put my account on hold after I wire a transfer to my wife XXXX XXXX account for a house that we're closing on. This is three weeks later and they mention it was at the request of XXXX XXXX XXXX XXXX asking about the wire. Before I wire I verified everything with their department before they even allow me to wire it. This is for a home purchase. If Capital One have a issue why did they not come to be before I wire it and to put my account on hold three weeks later when I'm ready to close on a house? I ask that if Capital One have a issue to please recall the funds as it's still in my wife XXXX XXXX  account and close my Capital One account as I no longer wish to do business with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I closed my Bread Cashback credit card account in XX/XX/year> after paying the full balance of {$2800.00}. Despite providing the correct bank account information and having accurate credit card details, the company charged me a {$48.00} returned-payment fee and continued accruing interest and late fees. I contacted the company to remove the fee and interest and confirm the account was in good standing, but they refused. My payment history has always been excellent, and this fee and ongoing charges were caused by a processing error ( No bank account / unable to locate ). I request that CFPB intervene to remove the fee, any interest, and the delinquency from my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
Subject : Formal Demand for Removal of Student Loan Account ( s ) Based on Violations of Federal Law and Failure to Comply with Proper Verification Requirements To the Supervisor of the Department : This letter serves as a formal dispute and opt-out notice pursuant to the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S. Code 6801-6809, and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.. It is also a demand for deletion of the following student loan account ( s ) due to a failure to provide proper legal authorization, verification, and disclosure.

Violation of Privacy and Disclosure Requirements ( GLBA ) Per 15 U.S. Code 6802, financial institutions are prohibited from sharing nonpublic personal information with nonaffiliated third parties including credit bureaus without giving the consumer clear and conspicuous notice and the ability to opt-out. At no time was I provided : Clear written notice that my nonpublic personal information would be reported to credit bureaus. 
An opportunity to opt out of this data sharing. 
An explanation of how to exercise my opt-out rights. 
Because this requirement was not met, the transmission of my personal and financial data to any consumer reporting agency is unauthorized and unlawful. You are hereby instructed to permanently cease and desist from sharing or reporting any of my account history or personal information related to these student loans. 
Violation of FCRA Incomplete and Inaccurate Reporting Under 15 U.S.C. 1681i ( a ) and 1681s-2, you are legally obligated to conduct a reasonable investigation upon receiving a dispute. Furthermore, you are required to verify the accuracy of the data by obtaining documentation from the original creditor or furnisher of the account.

This includes physical verification of an original, signed Promissory Note, not a digital or reproduced version, to validate that : I legally entered into a financial agreement.

The reporting party has lawful standing to collect, report, or assign this alleged debt. 
The account is not fraudulent, inaccurate, or unlawfully reported. 
If you can not produce original signed contracts and documentation proving the legal basis for reporting, you are required to remove the account immediately under federal law. 
Account to be Deleted I am disputing the following account and demanding its deletion : Account Name/Servicer : XXXX  Account Number : XXXX Account Name/Servicer XXXX XXXX  Account Number : XXXX Explanation : This account was reported without valid authorization, legal verification, or proper consumer disclosure under the Gramm-Leach-Bliley Act and Fair Credit Reporting Act. The Promissory Note has not been provided, and the information reported is both incomplete and potentially fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
I have disputed inaccurate and unverifiable information on my credit report multiple times with Equifax. Specifically, I am disputing the following accounts being reported.

Despite my written disputes, the credit bureau ( s ) have failed to properly verify these accounts or provide original documentation, such as signed contracts or account-level records. Instead, they have provided only automated responses through e-Oscar, which does not satisfy the reasonable investigation requirement under the Fair Credit Reporting Act ( FCRA 611 ).

The continued reporting of these unverifiable accounts is causing ongoing harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
I am submitting a dispute for the following accounts that I believe contain inaccurate or incomplete information. 

Charged Off Accounts : None listed 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

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 2025-11-21 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a Macys credit card account in XXXX. I never received the initial billing statement. On XX/XX/XXXX, after locating the balance myself, I paid the full amount of {$80.00} on a {$500.00} line ( payment was two days late ). Macys confirmed the payment. 

Later that same day, I attempted to use the card for a {$120.00} purchase, and the transaction was denied. Customer Service informed me that the account was frozen because the payment had not yet processed, even though they acknowledged it was made. 

I was then transferred to a representative named XXXX, whose conduct was unprofessional, dismissive, and escalated the situation. Instead of resolving a simple processing delay, the interaction left me no choice but to close the account.

Closing the account now risks negative impact on my credit report, which is unacceptable given that the underlying issue was caused by : Failure to send the billing statement Freezing my card despite a confirmed payment Poor and unprofessional customer service Mismanagement of basic account functions

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
HI, I AM COMING TO YOU WITH THIS COMPLAINT ABOUT THIS COLLECTION COMPANY WHICH KEEPS HARASSING ME I am filing a formal complaint against Source Receivables Management for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

This company is reporting a collection account on my credit report that is not mine. I have never received any documentation validating this debt, despite multiple written requests. Under 15 U.S.C. 1692g, a debt collector must provide verification of the debt upon request. Source Receivables has failed to do so.

Additionally, this account continues to appear on my credit report as an active collection, which is inaccurate and unverifiable information, violating 15 U.S.C. 1681i ( a ) ( 1 ). I have disputed this account with all three credit bureaus, yet it remains, causing harm to my creditworthiness.Failure to Validate Debt : No original creditor documentation, contract, or proof of liability provided. I AM ACCUSING THEM FOR THE FOLLWOING REASONS : False Reporting : Reporting inaccurate and unverifiable information to credit bureaus. 
Failure to Cease Collection : Continued reporting despite dispute and lack of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TN

Complaint narrative:
I am writing to dispute the inaccurate and unauthorized accounts appearing on my Equifax credit report. Due to the Equifax data breach, my personal identifying information was compromised, and as a result, the following accounts can not be verified as belonging to me. Under the Fair Credit Reporting Act Sections 602A, 607 ( B ), and 611, Equifax must ensure maximum possible accuracy and delete any information that is unverifiable or potentially fraudulent.

I am requesting immediate deletion of the accounts listed below. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$610.00} Account Name : DEPT OF EDXXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$9900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
This is a follow-up complaint regarding XXXX XXXX XXXX XXXX XXXX TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : === CHARGE OFF === XXXX : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
This is a follow-up complaint regarding XXXX XXXX XXXX Equifax / XXXX XXXX . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express has severely reduced my credit limit on both of my credit cards ( XXXX XXXX XXXX ) without cause despite my positive payment history. This comes a day after they put a block on all my cards due to a mistaken returned payment ; they eventually lifted the block. Back story is I closed one of my bank accounts because it was compromised in a data breach. My bank XXXX XXXX XXXX XXXXXXXX ) assured me there would be no issue with processing this payment to Amex but that was a lie, XXXX is the reason my payment didnt go through. American Experess is calling this a " routine audit, '' but it is in fact a personal attack on my finances, significantly damaging my credit score. It is also a coordinated effort by employees at both XXXX XXXX XXXXXXXX and American Express. 

This punitive action is retaliatory and constitutes an unfair and abusive practice. I request the CFPB investigate American Express 's targeting practices and ensure they reverse this decision and provide a valid explanation. I also believe whoever is responsible should be investigated for connections to organized crime groups and fired immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
On XX/XX/year> I had a inquiry on my credit report that I do not recognize from SYNCB/LOWES XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
Company has not provided me with any leases, signed documents etc. They have impacted my credit and has only sent a ledger that I dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-21 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: OR

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

Company 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 2025-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Mr. Cooper Group Inc.
State: HI

Complaint narrative:
I am writing to file a formal complaint about Mr Cooper, my loan servicer. They have provided false information about recasting via chat and phone calls with their support team. 

I've paid {$8000.00} extra towards my principal in the last year, and I was told that I would be able to use that amount towards the $ XXXX principal payment that is required to recast instead of providing a new $ XXXX. XXXX Mr Cooper 's chat and phone calls on XXXX separate occasions, I was told that my only due amount would be the remaining {$1900.00}, and a {$250.00} application fee. ( In other instances, I was told by different Mr Cooper support agents that I needed to pay a new $ XXXX amount and previously paid additional principal payments would not count. It was extremely difficult to get a clear answer. The last rep I talked to on the phone XX/XX/25 at XXXX XXXX transferred me to a XXXX who said that YES I can use my previously paid amount towards my principal. ) Mr Coopers recast application also confirms that the XXXX principal payment and a {$250.00} fee is all that is owed. 

Mr Cooper sent me a contract with completely different terms. It states that I owe : " {$3600.00} which is to be applied to the unpaid principal balance ( including advances, if any ), and the sum of XXXX {$3300.00}, which is to be applied to the interest due on the principal balance. '' In order to recast, I was instructed to mail my paperwork by XX/XX/XXXX. I emailed asking for verification on XX/XX/XXXX. It is now XX/XX/XXXX, and I have not heard back. 

I called support to ask clarifying questions and was told the only way to get answers is via these email addresses. I have not received a reply from either address XXXX XXXX XXXX XXXX Because of this experience, I will be unable to recast due to the exorbitant undisclosed fees, I have lost my {$250.00} application fee, and missed my XX/XX/XXXX mail deadline. This is truly unacceptable and unprofessional.

Company response to consumer: Closed with explanation