vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CUSTOMERS BANCORP, INC
State: FL

Complaint narrative:
Hello. I sent a wire from my XXXX bank account which is titled under my XXXX to XXXX crypto exchange and the money has been stolen or lost. 

The name of my XXXX is simply my first and last name, and it's structured as a trust account with XXXX. The recipient was XXXX XXXX exchange, where apparently my account with them is an individual account which is just under my name alone. 

The wire was sent in XXXX of this year and has been some version of lost or stolen since, as XXXX claims there was a name mismatch from the sending account and how my account is with XXXX. 

XXXX uses Customers bank and it's unclear if Customers bank has my money that they won't return to me or if XXXX does. 

Initially when I contacted XXXX their story was that they never received the wire. So I opened up a wire recall with my XXXX bank. After the recall was opened, XXXX credited my account the amount I wired in, so at that point I told XXXX to cancel the recall. However, the next day XXXX removed the credit from my account and never returned the money to my XXXX account either. When I contact XXXX they say that they have no update. 

I have repeatedly asked for the wire to be returned to its original account or for my account with XXXX to be credited for wire amount, both of which are being refused.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One is reporting a charged-off account on my XXXX  credit report with a balance of {$730.00}. This reporting is inaccurate and misleading. I never received a Form XXXX ( Cancellation of XXXX ), which is legally required if a debt has been canceled or written off. Therefore, Capital One can not claim the debt was charged off or forgiven, and continuing to report it as such is improper and violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, the account was previously in dispute, yet Capital One continues to report the same inaccurate information without providing verification or validation of the debt as required by FCRA 623 ( a ) and 611 ( a ). This reporting is causing ongoing harm to my credit profile and misrepresents the true status of the account. 

I am requesting that the CFPB investigate this matter and require Capital One to remove this account entirely from all credit bureaus ( XXXX XXXX XXXX XXXX  ). The account was reported incorrectly, lacks a proper XXXX, and should not appear on my credit file in any form.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I received a letter in XXXX of 2025 explaining an expected escrow shortage of approximately {$270.00} with the monthly payment going up {$200.00} a month. I submitted a check from the estate ( as we inherited this mortgage ) for over {$2000.00} ( homeowners reimbursement for duplicate insurance ). I do not see where the check effected the escrow or monthly payment. SPS is saying the escrow is still - {$270.00}. The representative was unable to tell me where the money went or why the escrow is still in the negative. 
Also I requested a payoff quote which would be paying the mortgage off approximately 5 years early. The payoff does not accurately show the amount due minus 5 years of interest and is also adding in the supposed escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: WA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccurate entries that are harming my credit and causing significant emotional and financial distress.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Greetings, I am writing this letter in response to the accounts that are listed below. This is reflected on my credit record, and it is having a significant impact on me. Because I am a victim of identity theft and my information was hacked, these accounts are showing up on my credit report. I am a victim of identity theft. The fact that these accounts are not mine and that I should not be responsible or accountable for something that was opened up without my knowledge is the primary reason why they are having such a significant impact on 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 2025-10-16 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX  for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in connection with an alleged account they claim to own and collect. 
This company has willfully altered the date of last activity and re-aged the account on my credit report to make it appear newer than it actually is. This deceptive practice is a clear violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 2 ) of the FCRA, which prohibit furnishers from reporting inaccurate or misleading information to credit reporting agencies. 
Furthermore, I made a written request for full validation of the debt, including : The complete chain of title, showing ownership from the original creditor to the present collector, A copy of the purchase agreement or bill of sale, and Proof that this company has legal standing to collect or report the account. 


Instead of providing these documents, I only received generic billing statements, which do not prove ownership or assignment of the alleged debt. This failure violates 15 U.S.C. 1692g ( b ) of the FDCPA, which requires a collector to cease collection activities until full and proper validation is provided. 
Additionally, continuing to report, verify, or update this account with altered information after my dispute constitutes : A violation of 15 U.S.C. 1692e ( 8 ) ( communicating false credit information ), A violation of 15 U.S.C. 1692f ( use of unfair and unconscionable means to collect a debt ), and A violation of 15 U.S.C. 1681s-2 ( b ) for failing to conduct a reasonable reinvestigation after receiving notice of dispute.

I am requesting that the CFPB : Conduct a full investigation into this collection agencys reporting and validation practices ; Compel the company to provide complete documentation of ownership and chain of title ; Require immediate correction and removal of any inaccurate, re-aged, or unverifiable information from all credit reports ; and Take enforcement action if these violations are confirmed. 


I have enclosed copies of my dispute letters, the collectors responses, and credit report screenshots showing the date changes. 
Thank you for your attention to this matter. I trust your office will take appropriate action to hold this company accountable for its continued noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax XXXX breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX XXXX. 
Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$360.00} Account name XXXX XXXX XXXX Account number XXXX Account type Apartments Date opened XX/XX/XXXX Balance {$150.00} Account name XXXX XXXX XXXX Account number XXXX Account type Utility Date opened XX/XX/XXXX Balance {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, only information that is accurate, complete, and verifiable should appear on my report. I am requesting an investigation into these entries, and if they can not be verified, they should be either corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I cosigned a refinance of my sons college student loan. He was the one to make the payment and through various issues, including the wrong bank account and poor front end issues with the payment system at Sofi payments didnt go through. I understand that my son messing up payments is my responsibility the issue that I have is that I have had perfect credit for at least 15 years and now my credit score has dropped XXXX points. Sofi did not send any communications to me that were clear to understand that they were about to report me to the credit unions for a late payment when I discussed this with them, they said they have XXXX recording on their lines. Had they had proper communications in place so that I and other people could clearly understand what was about to happen. This would have been rectified immediately I spoke with Sofi. I even reached out to their CEO twice and asked for a one time withdrawal seeing how my credit was perfect and they refused saying that the issues on the account were true and that wasnt their problem. I dont disagree with that. I disagree with their correspondence and think about all the other people in my position because they dont do what most companies like cable companies or electric companies do which isa very easy to understand communication stating that the account is going to either get turned off or go to the credit unions. I cant fathom that a one time issue with someone who had an XXXX credit score can have a XXXX request denied. Not for just myself, but for all others who have loans with Sofi, I think that they should have to change their correspondence stream to be more transparent and not rely on a record recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: IL

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL XXXX Name : - XXXX XXXX XXXX XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
As a result, I must request that you remove any personal information on file that does not match what I listed above. Additionally, I would like you to confirm the data you have on file. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and XXXX XXXX compliance criteria. In order to comply with FCRA and XXXX XXXX compliance regulations, my profile must be accurate and thorough. I implore you to complete your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. 

CREDENCE RM - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ARP & Associates LLC
State: LA

Complaint narrative:
I financed furniture through XXXX XXXX XXXX but fell behind on payments. After the finance company shut down, I was contacted months later by another company by the name of XXXX saying they had taken over the debt. While I understand the debt XXXX still be owed, this company used threats of lawsuits and breach of contract language over the phone and has never sent me a required written XXXX XXXX XXXX. I made several payments in good faith but have since stopped until they provide proof. I am concerned their collection practices are not following the FDCPA.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-16 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX : XXXX : XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX : XXXX # XXXX has violated my rights. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general and after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2025-10-16 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: WA

Complaint narrative:
I need to emphasize that this complaint is not a mistake. My credit report contains clear inaccuracies that fail to meet the required standard of maximum possible accuracy. These ongoing errors are causing me significant distress and negatively impacting my financial stability.

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