vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service
State: CT

Complaint narrative:
My account was restricted from making XXXX transfers/payments on my Military Star Card XXXX This way, I can not make payments online for this card anymore, and I must go in person to an exchange to make payments. 

They are not clear which exchanges can provide this service to pay your bill. I went to my XXXX XXXX at the base I work at, and they said they were not able to process the payment because their system was too old. Keep in mind, I drove an HOUR with the sole purpose of paying this bill. This was XX/XX/XXXX. 

When they said that I must go to an XXXX XXXX or an XXXX exchange, I looked up the nearest XXXX XXXX base, and sure enough, it was XXXX hours away. I made the drive. 

When I got to the XXXX XXXX base, they said the only person available to process payments wasnt in and would be back tomorrow. Keep in mind, I had already driven both XXXX hour to the XXXX XXXX, and then an additional XXXX hours to this XXXX XXXX XXXX. I was extremely disappointed and upset at this situation. 

Finally, I made the XXXX XXXX drive again the next day, and sure enough the guy behind the desk was available to help me. He was very nice. 

I dont understand why this company would make it HARDER for people to make payments on their credit card bill, when it seems their only purpose is to collect money owed, as is the case with every credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Unauthorized Hard Inquiry Dispute OneMain ( XX/XX/year> ) To Whom It May Concern, I am writing to dispute a hard inquiry on my Equifax credit report from XXXX, dated XX/XX/year>. I did not authorize this credit inquiry, nor did I initiate any application for credit with XXXX that would warrant a hard pull on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any unauthorized or inaccurate information on my credit report. Since I did not give permission for this inquiry, I am formally requesting that it be investigated and removed from my credit file. 

Please confirm in writing the outcome of your investigation. I have enclosed a copy of my government-issued ID and a utility bill to assist in verifying my identity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX Subject : Formal Dispute and Request for Removal of XXXX  XXXX Accounts Under XXXX U.S.C. XXXX To Whom It May Concern, I am writing to formally dispute certain XXXX  XXXX accounts that are currently listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX and XXXX, I am exercising my legal right to request the immediate investigation and removal of any inaccurate, incomplete, unverifiable, or outdated information from my credit file. 

The accounts in question do not accurately reflect my credit history, and I have reason to believe they XXXX be reporting in error. Under XXXX XXXX. XXXX ( a ) ( XXXX ), if a credit reporting agency can not verify the accuracy of an item within the legally required XXXX timeframe, that item must be deleted from the consumer 's file. Furthermore, XXXX XXXX. XXXX ( b ) obligates furnishers like XXXX XXXX to conduct a proper investigation upon receiving notice of a dispute from a credit reporting agency and to delete or correct inaccurate or unverifiable information. 

Given the provisions of this federal law, and the lack of valid documentation or verified reporting concerning these XXXX XXXX accounts, I am requesting their full and permanent removal from all credit reports with the major consumer reporting agencies. These accounts are causing undue harm to my creditworthiness and must be deleted in compliance with the FCRA. 

Please provide written confirmation once the accounts have been removed or an explanation supported by verifiable evidence if they are to remain. 

Thank you for your prompt attention to this matter. I am trying to buy a house and need these credit cards from XXXX XXXX removed. 

Sincerely, XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Calavry Portfolio Services, LLC is reporting on my credit reports with XXXX XXXX XXXX XXXX that I owe them {$9100.00}. They are also trying to collect this debt claiming it is from XXXX XXXX, XXXX. I have never heard of these companies, so I sent in a dispute via USPS to Calavry Portfolio Services, LLC and they received it on XX/XX/XXXX around XXXX. In response they sent me a installment contract with docusign signatures that host my name. After investigating, Calavry Portfolio Services, LLC is a debt collector and not a auto lender. This has harmed me for getting approved on many things and has caused emotional stress. I spoke with an attorney who stated I should file a complaint with The CFPB, and also a lawsuit with our local district court if not resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
my information has been leaked in the XXXX data breach, XXXX breach and XXXX XXXX in 2019.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute several unauthorized or unverified credit inquiries that appear on my credit report with Equifax. I did not initiate or authorize the following inquiries, and they are negatively affecting my credit score and profile. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a prompt investigation and removal of these inquiries unless they can be fully verified with documented evidence of my authorization. 

The inquiries in question are as follows : - XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX Please investigate each of these inquiries. If any of them can not be verified with documented authorization from me, they must be deleted from my credit report. I request written confirmation of the results of your investigation and any actions taken. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Re : CFPB Complaint Unauthorized Closure of XXXX Card Account Ending in XXXX To Whom It May Concern, I am submitting this formal complaint regarding a credit card account I held with XXXX ( account ending in XXXX ), which was closed without my knowledge, consent, or any explanation. 

I was recently informed by TransUnion that on XX/XX/XXXX, my credit score dropped by XXXX points. Upon further investigation, I discovered that the drop was due to the closure of this XXXX account, which reportedly occurred in XXXX. 

To my surprise, I was never notified by XXXX of the closure, nor was there any derogatory reporting or mention of this closure for nearly XXXX years. This abrupt and delayed reporting has unfairly and significantly damaged my credit profile. The account in question had positive history and contributed meaningfully to my credit utilization and length of credit history. 

I am requesting the CFPB to investigate this matter and urge XXXX  to do the following : XXXX. Provide a full explanation for the account closure and clarify who authorized it. 
XXXX. Reinstate the account with its original open date and positive payment history, if applicable. 
XXXX. Notify Equifax, Experian, and TransUnion to update the account as open and in good standing. 




I appreciate your time and attention to this matter, and I look forward to a resolution.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Describe what happened : In XX/XX/year>, I noticed that my name was reported incorrectly by two credit reporting agencies, which is affecting my ability to apply for new credit products. 

At TransUnion, my name appears incorrectly as XXXX XXXX XXXX instead of my full legal name. 
I contacted TransUnion customer service by phone in XX/XX/year>. 
The representative advised me to mail supporting documents ( such as my government-issued ID and passport ) to correct my credit file. 
I have since gathered these documents and prepared them for mailing. 
At Equifax, the error is worse : my name is listed as XXXX XXXX. 
In XX/XX/year>, I contacted Equifax customer service via their messaging service. 
They took photos of my ID and face through that service. 
They also advised me to mail copies of my driver 's license, Social Security card, and FTC identity confirmation to finalize the correction. 
These incorrect names were reported by the companies and now appear in my credit reports, which is negatively affecting my credit applications. 

I respectfully request that my name be corrected and updated to my full legal name

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 2025-07-05 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
My elderly mother was coerced by an employee at TD Bank to open a credit account. The employee then told my mother that I needed to be on the account and proceeded to open a credit account in my name without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I sent a written debt validation request via certified mail to Credit Collection Services ( CCS ) on XX/XX/XXXX, regarding a debt they claim I owe to XXXX XXXX XXXX ( Reference # XXXX ). Under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ( b ) ), all collection activity must cease until proper debt validation is provided. 

Despite receiving my certified letter, CCS has continued to send me collection text messages on multiple occasions ( including XX/XX/XXXX and XX/XX/XXXX ) without providing any documentation to validate the debt. This is a violation of federal law. 

I am requesting that all collection activity cease immediately until proper validation is sent. I would also like this matter reviewed and any violations of the FDCPA documented and addressed appropriately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
Noticed that this debt was placed on my consumer report by Credit Collection Services showing that the original assignment year was XXXX, apparently due to statute of limitations for the state of Md. which is XXXX years the debt fell off of my consumer report in XXXX but was put back on my consumer report by the debt collector with a new assignment year of XXXX which is clear violation of the FDCPA

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX opened XXXX XXXX account with XXXX XXXXXXXX XXXX XXXX XXXX account is suddenly removed from TransUnion credit report following a credit dispute ( Card is still reported to XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX regular phone calls and message conversations with specialists and supervisors at both XXXX XXXX and TransUnion and every time I have been told to wait 30 days for the issue to be resolved, but all that is ever done is an opened case or dispute which has yet to fix my issue after 2 years of my account not being reported. I call about every month or so after the 30 day waiting period is up with no resolution.

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 2025-07-05 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:
I was in the XXXX data breach where my information was leaked.

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 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I got a notification on XXXX, XXXX from citi bank that they noticed some suspicious activity. I looked at my citi bank app and noticed XXXX different suspicious changes. XXXX was for {$8000.00} dollars, XXXX was for {$6000.00}, and XXXX was for {$2000.00}. I immediately called them and notified them that I DID NOT make those charges. And I told them I wanted to dispute the charges. They told me they would dispute the charges and look into it but that it could take up to XXXX  days. About XXXX weeks later they informed me that I was responsible for the charges. I DID NOT authorize the charges and dont feel like I should be responsible for the charges. 
The charges on my card was to a company called XXXX out of XXXX XXXX XXXX Ca. 
I googled the company and tried to call XXXX to inquire about the charges and the phone number is disconnect or no longer in service.

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 2025-07-05 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: NY

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. 


I told Experian, Transunion, and Equifax to reinvestigate these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2025-07-05 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: NY

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. 


I told Experian, Transunion, and Equifax to reinvestigate these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: TX

Complaint narrative:
My vehicle was repossessed on around the week XX/XX/year>. I noticed a violation of my consumer rights under Texas law and the Uniform Commercial Code. I never received a written notice at least 10 days prior to the vehicle being sold, which is required by law. 

I contacted the lender on XX/XX/XXXX to make a payment to reclaim the vehicle, only to be told that the car had already been sold the day before. I later learned the notice of sale was not sent until six days after the sale occurred. 

This denied me a fair opportunity to redeem my vehicle and is a clear violation of Texas Business & Commerce Code 9.611. I also already filed a complaint with the Texas Attorney General on XX/XX/year> my complaint XXXX : XXXX

Company response to consumer: Closed with explanation