vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION

Complaint narrative:
Contacted on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  about a debt I supposedly have with Check and Go. This debt does not exist. Never went to or have a loan with Check and Go.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Company still using my information after me opting out

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Overdraft Line Of Credit Transfer Fee - {$12.00} Service Charge I have an overdraft line of credit with Citizens Bank in RI. They charge me 21 % interest on this line of credit. On top of that, they charge me {$12.00} each time they cover my overdraft. Please see above for an example of these charges that I see all too frequently on my Citizens Bank statements. It was my understanding that the CFPB passed legislation recently to stop this consumer abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Fifth Third Bank I am writing to request specific information regarding my account, [ XXXX ]. I am particularly interested in the following details I may be a victim of identity theft and trying to make sure this account is mine and accurate.

1. Date of First Delinquency : 2. Date of Last Payment : s 3. Date of Charge-Off : I would be grateful if you could provide this information in writing. Please mail the response to the following address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Dear, SYNBC/CARE CREDIT I hope this letter finds you well. I XXXX XXXX, am writing to request form XXXX -c for the cancellation of debt related to my account, which has been charged-off. Alternatively, if this was reported in error I kindly request its removed from my credit report. 
Your prompt attention to this matter is greatly appreciated. 
Thank you for your assistance Sincerely, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I received a {$75.00} American Express prepaid gift card from my employer as a holiday bonus. After making sure it was active and checking the balance, I tried using the card on many different online sites, as well as in person at multiple places. After it continually was declined, I contacted American Express, who told me to just use the card at different merchants and that their security measures are increased and that " may be why it was declined. '' None of this feedback was helpful. I looked online at user discussion posts to see where other people have used these gift cards and many others seem to also be struggling to find anywhere where the credit is useful. I had this same issue last year with the same type of gift card from the same employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SOUTHSTATE BANK CORPORATION
State: GA

Complaint narrative:
I applied for a mortgage loan through SouthState Bank with a grant from taking a Georgia Home Owners online course. I was approved at {$860.00} with a monthly net income of {$1900.00}, but was assured with Homestead Act, it would be lowered. I provided 20 % down payment and this is why SouthState Bank approved my loan. I discovered that my grant was actually a forgiveable loan and I couldnt qualify for Homestead Act for one year. After my first payment in XX/XX/2024, my payment increased to {$930.00} and I discovered I must remain in the home for 5 years as a requirement of the {$12000.00} forgiveable loan. I called SouthState and accused them of hiding an escrow issue AND that {$930.00} was too high. I was told that I was borderline, but when I researched mortgage payments, there is a 28 % - 35 % guideline which would be {$610.00} - {$760.00} at the most. 

I am XXXX yrs old, XXXX and on Social Security. I believe that SouthState approved me with no actual chance of my making payments. I have had to get {$300.00} - {$700.00} extra per month for living expenses ; food, utilities, medical, gas, insurance, internet, etc. This extra came from family members and my meager savings. 

I am requesting to sell the home early, before I lose EVERYTHING and move back near my daughters so I cant be cheated again. I dont want to pay interest on the {$12000.00} and I would like reimbursement for the difference between a payment that MATCHES my income and the exorbitant amount of {$930.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I noticed a collection on my Equifax credit report back in XX/XX/year> and immediately requested that they investigate this collection because it's not mine. I have no relationship with this company XXXX XXXX XXXX XXXX for {$150.00}. 

This a violation of my right to privacy according to 15 U.S.C. 1680 section 602 A. I believe this information is fraudulent because I have not gotten any document with my signature proving this is my collection and believe it a violation to the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: OH

Complaint narrative:
On XX/XX/XXXX according to my credit report from XXXX who stated they get the reports from all three credit bureaus from a third party. XXXX has stayed the same, XXXX and TransUnion both dropped significantly from XXXX XXXX XXXX XXXX with no explanation. The only derogatory marks have since dropped off a long time ago, there are XXXX Excellent high impact, XXXX of XXXX hard inquiries dropped off low impact, my payments 100 % excellent high impact, credit age XXXX XXXX Excellent Medium impact, Total accounts XXXX needs work low impact. So why does XXXX show a XXXX point drop on XX/XX/XXXX and then it stayed the same since? This is the same day I did my XXXX XXXX XXXX XXXX XXXX Abuse of Power, Sabotage, Financial Entrapment, Abuse of a XXXX Veteran and his Veteran Owned And Operated Business. 

WHO FROM THE XXXX XXXX etc was involved? 

Images from XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: MA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

COLLECTION # XXXX XX/XX/XXXX -- {$360.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: LA

Complaint narrative:
I am writing to formally dispute the collection account listed by your agency on my credit report, referenced by the account name [ XXXX XXXX XXXX ]. I believe this debt is either inaccurate or invalid due to the following reasons : 1. Debt Sold Without Proper Notification : I was not properly notified that the original creditor had sold my debt to your agency. I request proof that you have the legal right to collect this debt. 
2. Account Information Discrepancies : Account reported was open XX/XX/2024 with a balance of XXXX 3. Verification of Debt : Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide validation of this debt. This includes a copy of the original agreement, proof of the amount owed, and a clear chain of assignment from the original creditor to your agency. 
Please provide the following documentation to verify the debt : The original signed contract or agreement. 
Proof that the debt was transferred to your agency and the full chain of ownership. 
Any relevant statements or records of the debts history. 
Until the debt is properly verified, I request that you cease reporting this collection account to the credit bureaus. If you are unable to provide the requested documentation, I ask that you remove this collection account from my credit report immediately, as it is being reported inaccurately. 
Please note that under the Fair Debt Collection Practices Act, you are required to respond to my dispute within 30 days. If you do not respond or fail to validate the debt, I request that this entry be removed from my credit report. 
Thank you for your cooperation in resolving this matter. I look forward to your prompt response.

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 2024-12-31 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: LA

Complaint narrative:
I am writing to formally dispute the collection account listed by your agency on my credit report, referenced by the account name [ XXXX XXXX XXXX ]. I believe this debt is either inaccurate or invalid due to the following reasons : 1. Debt Sold Without Proper Notification : I was not properly notified that the original creditor had sold my debt to your agency. I request proof that you have the legal right to collect this debt.

2. Account Information Discrepancies : Account reported was open XX/XX/2024 with a balance of XXXX 3. Verification of Debt : Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide validation of this debt. This includes a copy of the original agreement, proof of the amount owed, and a clear chain of assignment from the original creditor to your agency. 
Please provide the following documentation to verify the debt : The original signed contract or agreement. 
Proof that the debt was transferred to your agency and the full chain of ownership. 
Any relevant statements or records of the debts history. 
Until the debt is properly verified, I request that you cease reporting this collection account to the credit bureaus. If you are unable to provide the requested documentation, I ask that you remove this collection account from my credit report immediately, as it is being reported inaccurately. 
Please note that under the Fair Debt Collection Practices Act, you are required to respond to my dispute within 30 days. If you do not respond or fail to validate the debt, I request that this entry be removed from my credit report. 
Thank you for your cooperation in resolving this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: Netspend Corporation
State: FL

Complaint narrative:
I need to be able to put money on the card from the website fom the checking account check number. I should not have to go to the Bank to do this. Or to load amount of money

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 2024-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Credit Bureau Name TransUnion, XXXX, XXXX Subject : Dispute of Incorrect Reporting by a Bankrupt Creditor Dear TransUnion, XXXX, XXXX I am writing to dispute an item listed on my credit report, as I believe it is in violation of the Fair Credit Reporting Act ( FCRA ). The creditor ( XXXX XXXX ) which filed for bankruptcy and is no longer an operational business, continues to report information on my credit report. This is unlawful and violates my rights as a consumer. 

Over the past several months, I have made numerous attempts to resolve this issue directly with your bureau. Despite these efforts, more than 30 days have passed without an adequate resolution. As you are aware, under Section 611 of the FCRA, you are required to investigate disputes within 30 days and remove or correct any unverifiable, inaccurate, or incomplete information. 

The information in question is as follows : : XXXX XXXX Account # XXXX Date of Dispute : XXXX XXXX Nature of Dispute : Kept disputing that Creditor no longer in operation due to bankruptcy and can not verify data. 

Since the creditor in question has filed for bankruptcy and is no longer operational, it is impossible for them to verify the accuracy of the information being reported. Continuing to report unverifiable information is not only a violation of the FCRA but also harmful to my credit standing. 

I request that you immediately remove the inaccurate information from my credit report. Failure to do so will leave me no choice but to pursue further action. These actions may include : 1. Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
2. Contacting the Federal Trade Commission ( FTC ) regarding your failure to comply with federal laws.

3. Seeking legal counsel to address the harm caused by your negligence in maintaining accurate records. 

For your reference, I have included the following : Documentation indicating that XXXX XXXX  is no longer operational due to bankruptcy. 
Will be implemented in this complaint I trust that you will handle this dispute promptly and comply with your legal obligations under the FCRA. Please confirm in writing the actions taken to resolve this matter and ensure the incorrect information is removed immediately. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: GA

Complaint narrative:
I have reached out to all three credit bureau 's to thoroughly investigate everything that is listed on my credit report. Each one is showing inaccurate information, dates, amounts, and different credit scores. Some accounts are listed more than once. Example XXXX consumer has me listed that I was in good standing then it states bad standing. So which one is it either I paid on time or I didn't it can't be both. Not only that a consumer pulled a hard inquiry in XXXX without my consent which is against the law. I have disputed all these things for the past XXXX to XXXX years now. So this is the next step for me to do. No one should have to go through this.

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 2024-12-31 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: OH

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.

15 U.S.C 1681 section 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 a 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 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 2024-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: RI

Complaint narrative:
I am filing this complaint against Selene Finance for mismanagement of escrow funds, inaccurate property tax estimates, and failure to refund escrow surplus. My mortgage agreement does not require escrow management, but Selene has continued managing my property taxes and homeowners insurance without justification. 

I have paid {$13000.00} into escrow, yet only {$9700.00} has been disbursed, leaving an unaccounted surplus of {$3900.00}. Additionally, Selenes correspondence anticipates property taxes of {$9400.00}, which is grossly inflated compared to my actual tax bills ( e.g., {$5600.00} in XXXX and {$5400.00} in XXXX ). I have requested a full statement of escrow activity and clarification on how these discrepancies were calculated, but I have not received a satisfactory response. 

I am requesting immediate closure of my escrow account, a refund of all surplus funds, and a detailed explanation of escrow activity, including how funds were handled and how surplus/shortages were determined. 

Selene 's failure to address these issues promptly is causing undue stress and financial uncertainty, and I am escalating this complaint to the CFPB to ensure resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding an issue with a collections account reported by CREDENCE RESOURCE MANA. The account was either inaccurately reported or is being handled improperly, causing significant harm to my credit and financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I bought two items from amazon. I returned both of them and amazon did not give me a credit. Disputed with chase and they gave me a credit for only one and the other they said the merchant didnt recive it. Merchant disputed both at first them keeps disputing one. I have both tracking numbers showing item was delivered back to the merchant on the same day with proof. So why am I only getting credited for one and not both. Charge in question is for {$130.00} XXXX and XXXX other one was for XXXX and it was validated after amazon said they didnt get it but they did. I have not gotten the {$130.00} back to my chase card yet. XXXX tracking number

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I mailed in documents to change my name with Experian on XX/XX/2025. On XX/XX/2025 I recieved an email telling me that I no longer have a FICO score or credit history. Experian did not just change the name on my current score or report ; I don't know what they did but it completely erased my history.

I have attempted to contact experian several times by phone and I can not get through to real customer service personnel who can help. They " filter '' everything through an automated system, and when it can't help or understand you, it just hangs up. I have not been able to find an email address to ask for assistance either. Currently Experian makes nearly impossible to talk to someone who can actually help. 

Changing my name was super simple with XXXX and XXXX ; no problems andno eraed history. They also have actual people there who can help. Experian is the most frustrating company that we are forced to work with!

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