vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: NC

Complaint narrative:
XXXX XXXX has been trying to get me out of my very low XXXX  % 30 year mortgage, by people calling and multiple letters. I have said no. 

I have never been late on a single payment to any creditor ever and my credit report had a XXXX rating, until XXXX XXXX in failing to produce notification of an est $ 100 monthly increase, slammed my credit by over XXXX points. Not only did they not notify me of the increase, they never notified me that there was a shortage. And, they didnt apply my principal or interest in the meantime. 

I only found out about this by emails showing my credit being dinged by XXXX XXXX. I have called and immediately paid everything to bring the {$200.00} up to clear any deficit. Ive written, to the credit department but I seem to be stonewalled. They can not provide any copies of letters sent, and dont care about this stain on my perfect record. I will be entering a retirement facility soon, and this will likely affect my ability to do so. 

I have records of my on time payments. 

Frankly, this may be this is a despicable tactic for me to pay off this XXXX mortgage and to take another one for XXXX which I have rejected. I need help having XXXX XXXX remove the negative information that was never delivered to 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 explanation
Consumer complaint received 2025-10-05 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$230.00} XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX Commercial Banks XX/XX/XXXX TransUnion, XXXX EMPLOYERS NOT XXXX  XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2025-10-05 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$230.00} XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX Commercial Banks XX/XX/XXXX TransUnion, XXXX EMPLOYERS NOT XXXX  XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: HW Holding, Inc
State: NC

Complaint narrative:
I was out of work because of a bad car wreck. Speaking with the office manager, she thinks would be okay if I can supply docs if why I was out of work- I provided those documents and she said I would not be evicted. Well that was a lie on her behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Dispute was submitted due to being a victim of identify thief. Unable to verify account. Account still reporting to credit report.

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 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Today I retrieved the mail from my mailbox. Today is XX/XX/year>. The statement is in the name of my XXXX  son who has a XXXX. I notice the Statement of Account was in an unsealed envelope. I called XXXX and spoke with XXXX. XXXX unprofessionally uses gotcha so I asked to speak with a supervisor about the matter. The supervisor XXXX wasnt helpful. XXXX was good at using the right words to sound professional but the condescension in her tone, dissuading and refusing to answer my simple question made it obvious she was the one making the call unproductive. Receiving a statement in an unsealed envelope is a serious matter and should be taken seriously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ava Finance, Inc
State: SC

Complaint narrative:
In my letter, I disputed the alleged debt and requested documentation proving that I owe it, as allowed under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, the company has continued collection activity, including remove in 4 business days This is a violation of my rights under the FDCPA because they are attempting to collect without providing proper validation and ignoring my cease-and-desist request. I am requesting that the CFPB require this company to stop all collection activity until they provide full validation of the alleged debt, and to correct any inaccurate reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I rented a vehicle through the XXXX XXXX, which showed a total rental cost of {$2000.00}, and I paid that amount in full using my Citi credit card. After the rental, the total suddenly ballooned to over {$8500.00}. The base rental rate was changed, a $ XXXX loss damage waiver ( insurance ) was added without my authorization, and the taxes and fees were recalculated and inflated based on those unauthorized changes. None of these additions were ever disclosed or agreed to in the app. 
I disputed only the overcharges not the original {$2000.00} that I paid and acknowledged. Despite this, Citi treated the dispute as if I had contested the entire amount. Citi initially credited my account while investigating, but later reversed that credit, claiming XXXX provided valid documentation. I was never shown that documentation, nor was I given proof that the charges matched what was displayed in the XXXX app at booking. 
I submitted phone recordings, emails, and documentation to both Citi and XXXX showing that my original liability was {$980.00} and that no insurance was ever selected. In one call, a XXXX representative confirmed their company did not receive the funds from the chargeback, directly contradicting Citis claim that the merchant retained the money. 
Despite all this, Citi closed the dispute without addressing the changed rental rate, unauthorized insurance, or inflated taxes and fees. Im asking the CFPB to ensure Citi reopens and properly investigates this case, as I acted in good faith, paid the correct amount, and was held responsible for over {$6000.00} in unauthorized and unexplained charges.

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 2025-10-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: VA

Complaint narrative:
I receive XXXX benefits and use XXXX XXXX. I've had MANY issues with them locking up my benefits, and the ONLY way to contact them is the customer service phone number on the back of the card XXXX. Every time I go through the automated phone tree and ask to speak to a representative, a recording comes on and says that they are experienced high call volume and to call back when call volume is low. I've called every hour they are supposedly open and gotten the same recording. Too has gone on for many days. It's defeated not the first time. Almost every month, my debit card gets declared and I know I have funny available because I checked my balance. 
They definitely have a terrible reputation for doing this exact same things to SO many people. Just go to XXXX XXXX store and search for thier app. Look at the reviews. 
I have had money disappear several times and reported it. They said I had made purchases that would explain why, but never provided the charges. Then they say there's no money they can do and have a nice. Then hang up. 
I need my money. It's only XX/XX/XXXX, and I don't receive benefits until the XXXX of every month. 
This is out of line to say the least. I believe they are committing fraud and I've had charges I've never made, canceled the card, and it's happened like half a dozen times. I never received a credit or explanation that even made any sense. 
Please help me. I am not a wealthy person, and they just see me as a nobody they can XXXX around ( I not the only one by far that has very simple things happen and never received a credit or plausible explanation. The federal and needs to look into XXXX XXXX and Comerica bank, who the debit card is through. They are just as bad in the customer service department. 
I would GREATLY APPRECIATED someone from your department to look into both XXXX  and and Comerica bank. 
Thank you. 
Have a great weekend. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: MI

Complaint narrative:
This CFPB complaint has been filed because my personal information was in a National data breach. I notice some accounts I am not familiar with and that were not authorized. I am in pursuit of FCRA ( 15 USC 1681 c-2 ). I would like the removal of said accounts within XXXX business days of receiving this complaint. I have uploaded supporting documents and screenshots, and FTC ( # 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 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am writing to dispute the referenced collection account in its entirety. This account reported by Midland credit management is inaccurate and unverifiable. Pursuant to my rights under the fair credit reporting act ( FCRA ), 15 U.S.C. 1681i, I request you investigate this item. This is a debt buyer account reported as a " collection account '' with a balance of {$1.00}, XXXX. The " date of 1st delinquency '' is listed as XX/XX/year> This date is critical as it determines the 7-year reporting period. The account is very recent, but its legal verifiability is suspect. The FCRA requires that information be verified if disputed. 15 U.S.C 1681i ( a ) ( 1 ) ( A ). Furthermore, the fair debt collection practices act ( FDCPA ), 15 U.S.C 1692 et seq., prohibits deceptive practices in debt collection, which can include reporting an unverifiable debt. As a debt buyer that I have no official business with Midland credit management lacks the foundational documents such as the original signed agreement, a complete payment history, and a valid chain of assignment to legally verify this account. Reporting an account that is not an original account opened by myself and of which can not be verified upon investigation violates the FCRA 's requirement to maintain maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and to conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ( a ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: CITIBANK, N.A.
State: AL

Complaint narrative:
I am writing to provide a detailed account regarding a charge that was mistakenly applied to my Government XXXX XXXX. The charge in question was made on the XXXX of XX/XX/year> by XXXX XXXX. I do not have a location where this transaction occurred, as I have interviewed two local hotels both of which have no record of a transaction taking place at either address. The merchant advised me to submit a complaint to my card company, Citi Bank. After reporting the charge, the bank informed me that because the charge took place over 60 days ago without a report they were unable to help. 

The transaction occurred in XX/XX/year>. As indicated in the above statement, I neither stayed at nor made any reservations with this establishment during that period. At that time, I was deployed under Title 10 orders and therefore could not have incurred this expense. 

Following my return, I submitted all travel vouchers associated with my deployment, and all legitimate travel expenses were settled. Upon subsequent review, I discovered this erroneous charge from XXXX and have since been working to resolve the issue. 

Thank you for your time and assistance in reviewing this matter. Please let me know if any additional documentation or information is needed.

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 2025-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Called Experian to inform them that I did not authorize inquiries that are reporting to credit file. Experian stated that they will remove them but inquires are still reporting to file.

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 2025-10-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Called Experian to inform them that I did not authorize inquiries that are reporting to credit file. Experian stated that they will remove them but inquires are still reporting to file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Sometime in XXXX I applied and was approved for a Wayfair Credit card. I have been using this card for the past year and have made ON TIME payments every month and often times more then the Minimum Due. 

XX/XX/XXXX I made XXXX larger purchases with an offer to pay off within a time frame for no interest. I went to make my payment of XXXX due on XX/XX/XXXX, to which my log in attempts were unsucessful. I attempted to log in for several days, at this time I was on Vacation so not near my computer to look further into the issue. 

I contacted WayFair and they stated that Citi Bank randomly closed my account and it had nothing to do with them. This seems pretty unfair to BLOCK me from paying on my account, purposly dinging my credit AND closing my card when I had active orders on it. Now i am being penalized for my no interest beause I was forced into a NON PAYMENT. 

I am filing this dispute to request that my Citi WayFair Credit be reinstated as I have done nothing wrong. I was not even remotely close to my credit limit. XXXX payment was " Late '' due to website maintenance and this had been in process of being corrected. 

This seems quite retalatory to me and very unfair practice.

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. XXXX informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint against Experian for their failure to remove inaccurate and false information on my credit report, specifically the reporting of an address connected to a debt collection account from XXXX XXXX that is not mine. 

Despite my repeated disputes directly to Experian regarding this XXXX XXXX collection claim and the incorrect address associated with it, Experian has refused to remove or correct this false information. The continued reporting of this inaccurate address harms my credit profile and violates my rights under the Fair Credit Reporting Act ( FCRA ).

Under FCRA Section 609 ( 15 U.S.C. 1681g ) and Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies must maintain accurate information and conduct a reasonable investigation upon receiving a dispute. Further, if the furnisher of information ( XXXX XXXX ) can not verify the disputed information, they are required to notify the credit bureau to stop reporting it. However, Experian continues to list the false address despite my disputes and lack of verification. 

This failure to correct or remove false information is detrimental to my creditworthiness and constitutes a violation of FCRA requirements. I request that the CFPB investigate this matter and direct Experian to promptly remove the incorrect address and associated collection claim from my credit report.

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