vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sending to formally dispute inaccurate information that appears on my credit report. The following items do not accurately reflect my financial history, and I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$650.00} XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX Original Creditor XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$1700.00} XXXX XX/XX/year>

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 2025-10-20 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: FL

Complaint narrative:
I am sending to formally dispute inaccurate information that appears on my credit report. The following items do not accurately reflect my financial history, and I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$650.00} XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX Original Creditor XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$1700.00} XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: CT

Complaint narrative:
XX/XX/year> purchased a car from Carvana. The agreement was Carvana would register my car. They failed to do so. I had to pay out of pocket to register my car. I lost time and money from work. A complaint was filed with the XXXX XXXX XXXX Complaint XXXX XXXX and with the Consumer Financial Protection Bureau Complaint # XXXX. XXXX replied to the Consumer Financial Bureau that a check reimbursing me for {$120.00} registration fee had been mailed out, To this day it has not been received. The registration fee was {$170.00}. After XX/XX/XXXX XXXX took it upon themselves to switch me to a Title Only registration. The way I found out was in an email autogenerated from XXXX. The XXXX app told me that my registration was completed, and plates were in the mail. An email told me to go finish it myself. One resolution specialist told me that I had to go take care of while another one said they would reimburse me while another one said they would take the fees off my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I made a hotel reservation through the Citi XXXX  portal using my Citi credit card and ThankYou Points. The booking was mishandledthough Citi assured me, and the travel portal showed that the booking was confirmed, when I called the hotel myself, the reservation was actually cancelled. This could potentially cause thousands of dollars loss and major disruption to my travel if I was not made aware soon. 

Following the incident, I contacted Citis ThankYou XXXX customer service multiple times between between XXXX and XXXX. After several escalations, a representative confirmed via email and phone that 17,000 ThankYou Points would be credited to my account as compensation for the inconvenience. However, the points have never been posted, and my follow-up inquiries have been repeatedly ignored or met with generic responses claiming no record of the offer. 

This experience reflects a failure of good-faith customer service and misleading communication about reward redemptions and compensation offers. The promised points have a quantifiable cash value and were part of the resolution agreed upon by Citis own representatives.

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 2025-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WSFS FINANCIAL CORPORATION
State: CO

Complaint narrative:
The failure of XXXX XXXX to include itself initially and establish a valid, verified chain of title creates a cloud, confusion, and dispute over the validity of its lien and interest in the property, which warrants the Court 's scrutiny.

Federal Rule of Civil Procedure ( FRCP ) Rule 26 ( a ) ( 1 ) ( A ) requires parties to disclose facts and supporting evidence in discovery, including the basis for claims of indebtedness. To ensure the integrity of the proceedings and proper determination of the debtors obligations, I request that the Court order the production of a verified, admissible debt statement, properly authenticated and in compliance with applicable rules. '' Unlawfully Redacted Documents : The documents contain redactions that have not been properly disclosed or justified. Under Federal Rule of Evidence ( FRE ) Rule 1004, original evidence is most authentic unless a valid reason exists for redaction, and arbitrary redactions undermine the integrity of the evidence. Furthermore, FRE Rule 403 permits exclusion of evidence if the redactions obscure material information.

Unverified Evidence and Uns sworn Motions : The evidence and motions submitted are unverified and unsworn, which, under FRE Rule 901, fail to meet the authentication requirements necessary for admissibility. Such unsupported submissions lack probative value and do not comply with the procedural standards mandated by the court.

Procedural Irregularities : The failure to properly disclose or authenticate witnesses and supporting evidence, including the presence of unverified and redacted documents, violates applicable procedural rules and the courts orders concerning disclosures and authentication protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX XXXX XXXX, as authorized representative of XXXX XXXX attached assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding NR/SMS/CALs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX, yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. NR/SMS/CAL has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. NR/SMS/CAL 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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XXXX, XXXX XXXX, I received XXXX separate letters from PNC Bank, both referencing the same fraud investigation ( Ref. XXXX XXXX ), concerning unauthorized checks that were not signed or issued by me, or even my name on it.

One letter stated that the unauthorized withdrawals would be reimbursed, while the other denied reimbursement for the same transactions. 
These contradictory results from the same investigation raise serious concerns regarding procedural accuracy and transparency in PNCs fraud review process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
Reached out to the company to ask for a purchase agreement, but nothing was ever provided. They didn't even have my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
Made 2 transactions on my milestone Mastercard to a company called XXXX XXXX XXXX on XX/XX/XXXX for {$110.00} and XX/XX/XXXX for {$110.00} For my kids school field trips that were set to leave on XX/XX/XXXX and the travel company cancelled the trip 2 days prior to the departure date promising families a refund and I still have not received a refund. I called Concora credit to file a dispute and they denied my claim even with proof that I was promised a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: ID Analytics, Inc.
State: AL

Complaint narrative:
I am the victim of identity theft. My XXXX credit report contains multiple fraudulent accounts and unauthorized hard inquiries that were opened or made without my knowledge or consent. These include accounts reported by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, along with numerous unauthorized auto loan inquiries. 

I have filed a police report and an FTC Identity Theft Report, both of which are enclosed. I also mailed a complete identity theft package directly to XXXX XXXX Department that includes my police report, FTC report, ID, XXXX, and proof of address. 

Under FCRA 605B and FACTA XXXX, I am requesting XXXX to immediately block, delete, and cease reporting all fraudulent accounts and hard inquiries tied to my stolen information. 

I request confirmation once these fraudulent items have been deleted and that XXXX stop sharing this information with any third parties or data furnishers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. LOANCARE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
In XXXX of XXXX I missed a payment with Citizens Bank because I received suspicious emails that looked like phishing or scam attempts. I was unsure whether the messages were legitimate, so I delayed the payment while verifying the source to protect my account. Once I confirmed what was real, I immediately made the payment {$52.00}. It was an honest mistake during a confusing situation, not an intentional late payment. I have never missed a payment since account open in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was impacted by the equifax and experian data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MD

Complaint narrative:
I received a notification that my cashapp card had been suspended and that I could not spend or receive money on the card due to me violating a terms of service guildline. I use a sponsored account so I contacted my sponsor and her said the same thing so we proceeded to call the company, and when asked what we did wrong they said they could not disclose which term was actually violated, and simply gave a generic answer to appeal it and wait for an email which has not come yet. This occured 10 days ago, on XX/XX/year>, and they said an email should come back at this time but it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: DISCOVER BANK
State: OH

Complaint narrative:
Identify Theft, Fraud, Suspicious Activity- I have uploaded a Police Report and Identity Theft Letter. I have contacted Discover Card and several other creditors and collection agencies for validation of debt by sending certified mail XX/XX/year> and did not receive a response within 30 days. I included certified mail receipts, documentation, letters, etc. I filed complaints with the CFPB and will complete a FTC Identity Theft claim once the government reopens. I sent detailed packages to XXXX XXXX, and XXXX which included Validation of debt letters, Intent to Sue Letters, Demand Letters and all accompanying documentation. Now comes a follow up which includes an Identity Theft Letter and Police Report. All accounts listed in the letter should permanently be Removed for all credit reports!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
My account has been satisfied and PAID as of XX/XX/year> as agreed upon with a settlement in the amount of {$170.00} before XX/XX/year>. There were no late payments that could have or should have been reported, as there was no timed agreement besides paying the agreed amount before XX/XX/year>. I have sent disputes to Credit Acceptance with documents and payment history with a copy of the " Satisfied account and payment made '' letter and Credit Acceptance continues to wrongfully report toXX/XX/XXXX and XX/XX/XXXXthe amount owed, XXXX different amounts of late payments, that the account is still open and that I still owe a balance of {$770.00} with XX/XX/XXXXand {$860.00} with XX/XX/XXXX 

Credit acceptance has continued to report as follows ; XXXX 100 % PAID OFF, BALANCE UPDATED XXXX XXXXXX/XX/XXXX- 94 % PAID OFF, BALANCE OF {$770.00} UPDATED XXXX XXXXXX/XX/XXXX 93 % PAID OFF, BALANCE OF {$860.00} UPDATED XXXX XXXX XX/XX/XXXX IS QUITE AN AMOUNT OF TIME AFTER PAYING THE BALANCE OF {$86.00} THAT WAS REMAINING SO THAT WAS COMPLETELY FALSE REPORTING AND WRONGFUL INFORMATION. All credit bureus show different amounts and different amounts of late payments. 

XXXX XXXX LATE PAYMENTS REPORTED XX/XX/XXXXXXXX LATE PAYMENTS REPORTED XX/XX/XXXX LATE PAYMENTS REPORTED

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 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have sent multiple written dispute letters to LVNV Funding LLC regarding a debt that does not belong to me. Despite my clear written disputes, LVNV Funding has continued to attempt collection activity and has continued to report this account to the credit bureaus (XX/XX/XXXX and XX/XX/XXXX). 
My disputes were sent on [ insert exact dates if known ], and each letter included citations to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I requested full debt validation under 15 U.S.C. XXXXg, including documentation proving ownership, balance accuracy, and the original signed agreement. LVNV Funding has failed to provide this validation. 
Even after my disputes, LVNV continued to report this account as active and attempted collection, which constitutes continued collection activity on a disputed debt and violates : FDCPA XXXX ( XXXX ) ( 15 U.S.C. XXXX ) False or misleading representation FDCPA XXXX ( b ) ( 15 U.S.C. XXXX ( b ) ) Failure to cease collection during dispute FCRA XXXX ( a ) ( XXXX ) ( 15 U.S.C. XXXX ( a ) ( XXXX ) ) Reporting inaccurate or unverifiable information after notice of dispute In addition, LVNV contacted third parties about this alleged debt without authorization and continued to communicate with me after written requests to cease further violating FDCPA XXXX ( b ) and XXXX. 
I am requesting the CFPB to investigate LVNV Funding LLC for these repeated and willful violations, compel them to delete this tradeline from all credit reporting agencies, and issue civil penalties for each instance of unlawful collection and reporting activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: CA

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-10-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AL

Complaint narrative:
XXXX transferred my loans to Mohela. Their website stated that all student loans were transferred to Mohela. I called to make my payment to Mohela and it seems like they denied my payment but I was never notified. When I called to make the payment, the gentlemen stated that the payment went through. I received a letter from XXXX stating that my student loan was in default. I never received any emails, letters or calls from them prior to this. I was working with Mohela on a repayment plan and had made a payment towards my plan. Why would XXXX send me a letter stating that my loan is in default if Mohela is handling my loan? It seems like theres mismanaging my student loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Recovery Services, Inc.
State: NY

Complaint narrative:
Date and Initial Contact : On XX/XX/XXXX, XXXX contacted me about a {$3000.00} debt on account XXXX with XXXX. 
Validation Request : On XX/XX/XXXX, I sent a written request for validation, asking for a signed contract, affidavit, full account statements from XXXX, and an itemized breakdown. 
Their Response : On XXXX XXXX XXXX, XXXX sent 13 pages, including a basic letter and partial XXXX statements, but no contract, affidavit, or full history.

Cease-and-Desist : On XX/XX/XXXX, I issued a cease-and-desist, with a deadline of XXXX XXXX XXXX, XXXX, but received no further response.

Impact : This has caused credit stress and ongoing collection attempts without proof, violating my rights.

Request : I seek full validation or debt cessation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
It is unacceptable to have this company affect the lives of consumers, and when we are trying to investigate or get communication, each attempt is unsuccessful. I have sent numerous letters, and made several calls. Not only to the XXXX major credit bureaus, XX/XX/XXXX, and XX/XX/XXXX. I taken the steps of trying to contact the collection companies as well. I want this to be a formal complaint of direct violation of the XXXX ( XXXX ).

Company response to consumer: Closed with non-monetary relief