vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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:
I am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within 15 days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: VT

Complaint narrative:
Can not get hold of Rushmore servicing to address multiple fees and charges that are wrong. One fee is {$13000.00}. Loan payments do not make sense also. Only get a automatic message center to help with basic needs. Will not allow you to speak to a agent so these charges can not be address and explanation on why the payment amount to principal and interest doesn't make sense. This company should not allow to be a business. They have had lawsuits for miss managing loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
I have a chime account, i did not lose my walet or lost my card, i did not give no one authorization to use my card, chime allow XXXX to make about 900 unauthorise transaction into my account, i made multiple dispute they denied them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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 2025-05-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The XXXX XXXX XXXX toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a business savings account in XXXX of 2025 with Capital One to earn interest on a sum of money loaned to me by the XXXX in the wake of my business and home being destroyed by XXXX XXXX. 

Shortly after opening the account I was contacted and told to provide additional information, such as a lease or utility bill. During the call I was told that it was not pertinent and there would be no consequences for not submitting this information. 

In XXXX I mistakenly transferred money the wrong way- from my operating account to the capital one savings account, which led to an account hold due to insufficient funds from the operating account. I spoke to a representative in XXXX to resolve this issue and initiate the correct transfer. 

This was the last communication I had with capital one in regards to the account. No emails, no letters. The only contact I received was promotional advertisements for credit cards via email and mail. 

On XX/XX/XXXX I logged into my mobile banking to check on my funds when I see that the account had been closed on XX/XX/XXXX. I had {$20000.00} in the account, which I no longer have access to. 

I called Capital One on Monday XX/XX/XXXX, and spoke with a supervisor named XXXX, who informed me that so long as the check that they mailed hadnt been cashed, they could expedite the check and have it overnighted to me by Friday, XX/XX/XXXX. 

I called again today ( XX/XX/XXXX ) and spoke to a supervisor named XXXX, who informed me that I would need to sign and send back an affidavit and cover letter and that the funds would be held for 90 days. 

Not once did Capital One notify me that they were closing the account or that they had sent a check with the remaining funds. They did not give me sufficient notice to move my funds or warning to provide additional documentation. Capital One is withholding critical funds from a small business which has been devastated from a natural disaster. 

Im incredibly frustrated and disappointed in my experience with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX  XXXX and XXXX took over {$500.00} XXXX  collectively away from my account like gone, disappeared, entirely soon I seen this issue happen, I rush to cashapp for help in support you know letting them whats going on, everytime I reach out to cashapp they never solve my issue, I make sure I put in a dispute transaction for a refund to get my money back but the cashapp bots somehow never actually respond back to me, then on the other hand they allow me to get my refund within XXXX business days, then after those 7 days gone by, I get my refund, but what I get back is XXXX  not the full amount so is cashapp taking my money or what.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
During the COVID-19 pandemic, I was granted a payment deferment by Exeter Finance . I was never clearly informed that interest would continue to accumulate during that period. 

I called Exeter multiple times during the loan asking : How much do I need to pay to be up to date? They always gave me a number, and I paid that amount in good faith. At no point did they explain that interest was building separately.

Only during the last few months of the 7-year loan, I began receiving letters claiming I owed an extra {$7000.00}. I asked where this number came from, and no one could clearly explain. I was shocked, as I had paid exactly what their agents told me throughout the loan. 

I requested a paper statement multiple times but never received it. The online account is confusing and incomplete. My Exeter account is now frozen, and I can not access any details. I also can not retrieve my full payment history from XXXX XXXX prior to XXXX which leaves me unable to provide full documentation.

This has caused serious emotional and financial stress. I worked for years to pay that car, and losing it was devastating. I am requesting that this account be removed from my credit report and that no further collection efforts be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my ExperianXXXX XXXX XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 generallf, 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.

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 2025-05-13 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: MS

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-05-13 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: National Credit Systems,Inc.
State: LA

Complaint narrative:
XX/XX/year> I mailed a certified letter to XXXX XXXX XXXX about this collection that has negatively been affecting my credit reporting. I sent this letter : To Whom It May Concern, I am writing in response to your attempts to collect an alleged debt from me. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws, I previously requested that you provide proper validation of this debt, including but not limited to : The name and contact information of the original creditor.

A detailed accounting of the alleged debt, including how the amount was calculated. 
Proof of your agencys legal authority to collect this debt in my state, including a copy of your licensing information. 
The complete chain of custody for this debt, showing a proper transfer of rights from the original creditor to your agency. 
Despite my lawful request, you have failed to provide the required documentation. Your failure to validate the debt, coupled with your continued collection efforts, constitutes violations of the FDCPA, including but not limited to : 15 U.S.C. 1692g ( b ) : Failing to cease collection efforts until proper validation is provided.

15 U.S.C. 1692e : Engaging in false, deceptive, or misleading practices.

15 U.S.C. 1692f : Using unfair or unconscionable means to collect a debt.

As a result of your violations, I have suffered undue stress, emotional distress, and other damages, for which I am seeking monetary compensation. Under the FDCPA, I am entitled to statutory damages of up to {$1000.00} PER violation, as well as actual damages and attorneys fees, should I be forced to litigate this matter. 
If you do not immediately cease collection efforts and provide full validation of the alleged debt, including proof of licensing and chain of custody, I will pursue legal action against your agency. This will include a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and a civil lawsuit seeking damages, including but not limited to statutory penalties, legal costs, and any additional relief the court deems appropriate. 
You have 15 days from the date of this letter to respond with the requested documentation and a resolution offer. Failure to comply will result in immediate legal action. 
This letter serves as formal notice of my intent to litigate should you continue your unlawful collection attempts. 


I never received information requested at all and the company is still reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The XXXX XXXX XXXX toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
My XXXXXXXX account number was XXXX. I moved out of the XXXX family plan in XX/XX/year>2024, and none of us received any communication about this charge ; therefore, I am unaware of this debt and did not have an opportunity to dispute the account. If you believe you have sent the proper notification, please provide the " Certified Mail '' with a receipt displaying my signature. If not, please delete this from my credit account or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am filing a dispute regarding an inaccurately reported charge-off on a Regions Bank Line of Credit account ending in XXXX. This account was closed by Regions Bank without any delinquency or missed payments on my part. I was informed by a representative that the closure was due to an internal credit issuance error, not customer behavior. 

Despite the account being closed through no fault of my own, it is currently being reported to the credit bureaus as a charge-off with an outstanding balance of {$9900.00}, which is materially misleading and damaging. 

At no point was I provided formal notice of default, nor did I receive any indication that the account was in poor standing prior to closure. The account remained inactive and unresolved solely due to the banks internal error. 

I am seeking a full investigation and appropriate correction of this tradeline, as its current status violates the Fair Credit Reporting Act ( FCRA ) and misrepresents my creditworthiness.

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