vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates
State: MD

Complaint narrative:
IN XX/XX/year>, i REQUESTED THAT XXXX CHANGE MY ACCOUNT TO MY NEW TENANT AND SEND ME A FINAL BILL.IN XXXX, I RECIEVED A CREDIT REPORT THAT XXXX SENT MY ACCOUNT TO RJ ROSS ASSOCIATES.WHEN I CONTACTED RJ ROSS ASSOCIATES TO REMOVED THE ACCOUNT DUE TO THE FACT THAT I NEVER RECEIVED A FINAL BILL AND THAT THIS IS A VIOLATION OF CONSUMER CREDIT LAWS, A SPOKESMAN FROM RJ ROSS AGREED AND STATED THAT IF i PAID THE COMPANY {$190.00}, THAY WOULD REMOVE THE NEGATIVE INFOMATION FROM MY CREDIT FILE.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: TX

Complaint narrative:
I am formally disputing the inaccurate personal information currently appearing on my credit file. Specifically, I have never legally gone by the listed aliases, nor do I currently or previously reside at the reported addresses. 

The inclusion of these erroneous names and addresses violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. This misinformation creates a significant risk of identity confusion and negatively impacts my ability to obtain credit under fair and accurate conditions.

The presence of these inaccurate entries also raises concerns regarding data mishandling, particularly in the wake of recent national data breaches. Despite prior attempts to correct this information, the inaccurate aliases and addresses remain on my file, even though they have no connection to me.

I am requesting immediate removal of these erroneous aliases and addresses. If the credit reporting agency believes this information is valid, I demand sufficient legal documentation directly linking me to these names and addresses. Otherwise, they must be deleted from my credit report without delay. 

Finally, I request written confirmation once the correction has been made, along with an updated copy of my credit report reflecting the accurate information.

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 2025-09-22 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: NC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: AZ

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I would like to request your immediate assistance in resolving a persistent billing error on my mortgage account, which has resulted in an incorrect tax bill of {$19000.00} and a substantial increase in my monthly payments. This issue stems from Freedom Mortgage incorrectly billing me for an entire parcel rather than my individual unit, despite assurances of rectification on multiple occasions. 

My initial call on XX/XX/XXXX, at XXXX PM, with a representative named XXXX, confirmed that Freedom Mortgage had made a billing error by assigning the incorrect parcel to my account. After a XXXX hold, she assured me the issue would be rectified within XXXX business days and that my monthly payment would remain unchanged, with adjustments made to reflect the correct tax information from my closing on XX/XX/XXXX. However, my statement on XX/XX/XXXX, reflected the opposite, showing a due payment of {$5600.00}. I have made XXXX attempts to resolve this, including a follow-up conversation with a supervisor on XX/XX/XXXX, at XXXX XXXX, who assured me the issue would be resolved by XX/XX/XXXX. This has not yet occurred. Furthermore, I visited the XXXX tax office, where a representative confirmed that the {$19000.00} tax bill is indeed not my responsibility, as it applies to the entire building, not just my individual townhome unit within this new construction community. I am also approved for homestead exemption. 

I kindly request your prompt attention to this matter to correct the billing error and adjust my monthly payments accordingly.

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 2025-09-22 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: 1st Franklin Financial Corporation
State: MS

Complaint narrative:
I asked for validation of this inquiry and never received it XX/XX/2025. The are many inaccurate things reporting on my credit about this inquiry which is causing harm. This is also causing a mental XXXX as a XXXX veteran. There are also several fcra laws violations. Request the inquiry to be fully deleted from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: GA

Complaint narrative:
This is for Self Credit Builder account to eventually qualify for a credit card through Lead Bank. I closed my account. The bank failed to close it and took {$25.00} illegally from my XXXX XXXX checking account after the card was closed. Self continues to deluge me with email to the following email addresses : XXXX and XXXX. I have repeatedly asked they stop sending me postal and email. Please : I need you to make certain any and all Self accounts under my name are closed and that charges will stop and the bank will cease and desist from sending me email. When I attempt to call Self, open weekdays only, after I give the last XXXX of my social and date of birth I can not be connected to a service representative. I encourage you to scrutinize why Self is blocking these calls and taking funds that are not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
To Whom It May Concern, I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), because multiple accounts on my credit report are being reported inaccurately as charge-offs, late payments, or collections. These false entries have caused significant harm, including denials of loans, higher interest rates, inability to secure housing, and emotional distress. I request an immediate investigation, correction, and deletion of all inaccurate information. 
XXXX XXXX XXXX Account XXXX Date Opened XXXX XXXX, XXXX Balance {$2800.00} This account is being falsely reported as a collection. I dispute the accuracy of this tradeline because I have not received any validation of debt, no notice of default, and no lawful collection documentation. Reporting this account as a collection is a violation of FCRA XXXX ( a ) which prohibits furnishing inaccurate information. Additionally, under FCRA XXXX ( a ), I am entitled to receive all verification and complete account information, which has not been provided to me. The false collection reporting has already harmed me by lowering my XXXX XXXX and leading to denials for credit and financing opportunities. I demand immediate deletion or verified proof under the law XXXX XXXX  XXXX XXXX XX/XX/XXXX This inquiry was placed on my report without my authorization. I never applied for credit with XXXX XXXX XXXX on this date. Reporting unauthorized inquiries violates FCRA 604 ( a ) ( 2 ), which requires permissible purpose for pulling a consumer report. This inquiry damaged my credit score and misrepresented my credit-seeking behavior to potential lenders XXXX  XXXX XXXX  Inquiry XX/XX/XXXX Same day and same situation, this duplicate inquiry further shows the inaccuracy and negligence in reporting. I did not give consent and therefore my rights under FCRA 604 were violated Conclusion All accounts listed above are inaccurate, misleading, duplicative, or unverifiable. I demand immediate correction or deletion of all false entries in compliance with FCRA and FDCPA. Failure to resolve these inaccuracies may result in legal escalation.

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 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX. I had filed a complaint ( XXXX ) against Citi bank with CFPB on XXXX the XXXX about my closed account 5 years ago with {$7000.00} in it and which they never sent me the check. When I filed the complaint on the XXXX of XXXX they asked for my back statement in which the funds came in from. And I sent them the statement as they asked and they sent me an email saying that they will resolve it within 15 days which they didnt. So I called and the told me verbally and also sent an email saying they needed 15 extra days to resolve the problem. Also those 15 days has passed in total over 30 days and I didnt not receive and response form them nor my money. I will attach all the documents from our interaction within the past month. Thank you in advance.

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 2025-09-22 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: TX

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I did not give consent to text messaging, they are violating my rights under TCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
closed both accounts midland credit management is a debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I was made aware on Friday XX/XX/2025 that someone may have opened a credit card in my name ( using my maiden name ) at Wells Fargo. I received an email from Wells Fargo saying I had updated my contact information ( address change ). A few days prior I received a text from Wells Fargo with a XXXX digit pin to verify my identity ( I didnt confirm anything and thought it was spam ). I do not have a Wells Fargo account or credit card. I spoke to Wells Fargo and they confirmed someone had opened a credit card on XX/XX/2025 using my name, email address, phone number and social security number. They reported flagging it as fraud and closing it. There had not been anything charged with the credit card ( it was not used ). Then on Monday XX/XX/2025 I got another email confirming my credit card ending in XXXX. I called WF again and they didnt have anything on file from my previous call on Friday. I was sent to the fraud division ( again over the phone ) and he reported flagging and closing the account. He gave me a reference number/case ID : 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 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, I received an email from XXXX XXXX XXXX Credit Card. In the body of the email, there was a link labeled More Deals. When I clicked this link, it opened a page with a Summer Special offer of XXXX XXXX miles upon approval and meeting the requirements. The terms were to spend {$3500.00} within the first four months and receive the XXXX reward. 

On XX/XX/year>, I searched for this same offer, found it, and applied for the card. I was instantly approved. The only reason I applied for the card was to take advantage of the XXXXmile promotion. 

Over the following three weeks, I spent more than {$3500.00}, paid it off in full, and then realized I was only awarded XXXX miles, which is half of the advertised Summer Offer. 

I contacted Citi by phone. After waiting a week without a response, I called again. Citi then opened an internal investigation. Their conclusion was that I had applied under a XXXX offer, not the XXXX offer. I explained again that I applied for the XXXX Summer promotion. At Citis request, I forwarded the original XX/XX/XXXX email and showed how I accessed the offer link. 

Despite this, Citi has refused to honor the XXXX promotion. Their most recent reply stated that they can not change the offer, even though the Summer Special XXXXmile offer is still active today. 

In my opinion, this constitutes bait-and-switch marketing. Citi enticed me with an XXXX offer, approved me for the card under those terms, but then only awarded XXXX miles. 

I protect my credit carefullymy score is over XXXXand I would never have applied for this card if not for the XXXXmile promotion. I respectfully request that the CFPB assist me in requiring Citi to honor the original XXXXmile Summer Offer as advertised and stop this bad-faith behavior toward consumers.

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