vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: GA

Complaint narrative:
I am filing a complaint against NRA Group LLC / NTL Recovery Agency for illegally reporting and attempting to collect a debt that was fully settled and deleted in XX/XX/XXXX. 

This debt originally belonged to XXXX XXXX XXXX. In XX/XX/XXXX, I settled the account with XXXX XXXX XXXX. I have attached the settlement letter and proof of payment showing the debt was accepted as paid in full and marked deleted. 

Despite this, NRA/NTL reported a new collection account to TransUnion in XX/XX/XXXX for the same debt, even though the account was already settled more than a year before. This caused a derogatory mark on my credit report for six months and resulted in multiple credit denials.

NRA/NTL claims they sent validation on XX/XX/XXXX, but they only reference an unclear text message that did not include any of the required FDCPA disclosures about the amount, original creditor, or my dispute rights. I did not receive any written notice by mail, email, or text containing legally required validation information. I never consented to receiving debt validation via text message. 

I only discovered this collection after seeing my credit report, which violates my rights under the FDCPA 809 ( a ), which requires written notice within 5 days of initial communication.

Additionally, NRA/NTL verified this false debt to TransUnion during the FCRA dispute process despite being provided documentation showing the account was already settled and deleted. This constitutes inaccurate reporting and failure to conduct a reasonable investigation as required under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ).

I am requesting CFPB assistance to : Remove and delete the NRA/NTL account from my credit report with all credit bureaus.

Obtain written confirmation from NRA/NTL that the account is resolved and will not be sold or re-reported.

Investigate their failure to provide proper FDCPA validation and improper use of text messages as written notice. 

Review their inaccurate reporting and improper verification under FCRA. 

This error has caused financial harm, credit denials, and emotional distress. I am requesting immediate correction and consumer protection intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I have been unable to access/transfer funds from my Marcus by Goldman Sachs savings account for 7 days. I have attempted to transfer money to my Bank of America account twice, and both transfers were declined by Marcus. After my initial transfer attempt, Marcus informed me that there was suspicious activity on my account separate from the requested transfer. As a result, they initiated an account takeover, closed my account, and opened a new one with my original balance. The first transfer was unsuccessful because they " could not locate my Bank of America account information ''. I called them and we had a three-way phone conversation with a Bank of America representative to confirm my account number and routing number. I attempted to transfer my funds a second time, and this was again, declined.

When I contacted Marcus customer service, representatives informed me there is a " systems issue '' preventing them from even seeing my savings account information. This prevents them from initiating ANY type of transfer from my account- no ACH transfers, no wire transfers, nothing. They can not see my account information properly in their system and can not provide any timeline for when this will be resolved. 
I have spoken with multiple representatives and supervisors who all say the same thing : there is nothing they can do except wait for the systems issue to be fixed, and they have no estimate for when that will happen. They said they will call me when it's resolved but can not give me a timeframe. 
This is completely unacceptable. This is MY money and I need access to it to complete a time-sensitive purchase. I initiated this transfer 2 days ago and am now in limbo, unable to access my own funds while the purchase opportunity may disappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I'd serial access to my cash up on XXXX till early XXXX cash app didn't even file the complaint even though they told me they didn't clearly not FDIC protected they never sent me any results of the investigation I have lost XXXX  that was saving up for XXXX I have no fun there's no way for me to get any money out I don't have a card then they have provided no help whatsoever

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing several unauthorized accounts and inquiries that have been reported on my credit profile. I did not apply for, open, or authorized these accounts and inquiries. Nor did i give anyone permission to use my personal information for this purpose. These accounts and inquiries are the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing several unauthorized accounts and inquiries that have been reported on my credit profile. I did not apply for, open, or authorized these accounts and inquiries. Nor did i give anyone permission to use my personal information for this purpose. These accounts and inquiries are the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: LA

Complaint narrative:
I am filing this complaint because [ Experian / XXXX  XXXX XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX XXXX, XXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX XXXX  ( XXXX ), XXXX  paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF : EX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Executive Summary CFPB Complaint Traveler : Claim ID # XXXX, Chase Sapphire Preferred Summary of Events : The travelers original return flight was scheduled for XX/XX/year>. 

Due to ongoing medical concerns, the traveler rebooked the return flight to XX/XX/year>, on XX/XX/year>, paying {$170.00} in additional fare and {$160.00} service fees. 

On XX/XX/year>, the travelers medical condition worsened, requiring an overnight emergency hospital visit. The traveler was unable to use the XX/XX/XXXX flight due to this covered medical emergency. 

The airline confirmed that no formal cancellation was required for this non-refundable ticket. No refund, voucher, or airline credit was issued. 

The traveler subsequently purchased a completely new return flight on XX/XX/year> ( Trip ID : XXXX ), fully out of pocket. 

Policy Misapplication : Chase " Trip Cancellation and Interruption Insurance '' denied reimbursement citing : Trip duration exceeding 60 days incorrect, as the total trip was from XX/XX/XXXX to XX/XX/year> ( 54 days ), well within the 60-day coverage limit. 

Only unused, prepaid, non-refundable travel expenses are covered incorrectly applied to deny the {$660.00} unused airfare. The original airfare was prepaid, non-refundable, and unused due to a covered medical event. Additional fare difference and service fees are explicitly excluded by policy, but this does not negate coverage of the original airfare. 

Relief Requested : Reimbursement of the {$660.00} unused, prepaid, non-refundable airfare under the Trip Interruption benefit. 

Clear written explanation from Chase regarding any applicable exclusions. 

Attached Documentation : Original round-trip ticket receipt Confirmation of rescheduled flight for XX/XX/year> Receipts for additional fare and service fee Medical documentation Evidence of the new flight purchased XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
b'I received a capitol one XXXX  card in the mail with numbers XXXX XXXX XXXX XXXX  \n\nI did not open an account with capitol one or apply for a card so I dont know why I have this I did not activate it either.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-15 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: NY

Complaint narrative:
I am writing to dispute the reporting of the following accounts appearing on my TransUnion credit report These accounts contain inaccuracies and must be reviewed and corrected The accounts are 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 Date Opened XXXX. 
In addition the following unauthorized inquiries appear on my TransUnion credit report and are disputed as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX. 

These fraudulent accounts and inquiries have resulted in inaccurate and damaging information appearing on my Transunion consumer credit report and I demand that all of these fraudulent items be removed immediately and that any related collection activity cease pursuant to my rights under the FCRA and FDCPA This serves as a formal complaint under FCRA 605B 15 USC 1681c2 requesting that Transunion immediately block and permanently remove all of the above fraudulent accounts and inquiries including any associated collections charge offs late payments and hard inquiries as they were added to my credit file without my knowledge consent or authorization and are the direct result of identity theft rather than any legitimate consumer transaction These accounts were added to my Transunion credit report without my knowledge or authorization and are the direct result of identity theft, not any legitimate consumer transaction. In support of this request, I have provided my official FTC Identity Theft Report, Report Number XXXX, along with all required supporting documentation.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

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 explanation
Consumer complaint received 2025-12-15 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I am the victim of an online employment scam. I was contacted by individuals impersonating hiring professionals and was manipulated into making payments under false promises that funds would be released to me through XXXX. 

The scammers sent forged XXXX emails and falsified screenshots claiming large sums were pending and demanded additional payments and gift cards to release the money. These representations were false. 

As a direct result of these fraud-related balances, PayPal Credit issued an adverse action letter dated XX/XX/year>, reducing my credit line to {$150.00}. This caused additional financial harm and negatively affected my available credit. 

I reported this scam to PayPal XXXX, the Federal Trade Commission ( FTC ), and the FBI XXXX XXXX XXXX XXXX ( XXXX ). I am requesting that PayPal Credit reopen and properly investigate the fraudulent charges and reverse the credit line reduction, as the utilization that triggered it resulted solely from documented fraud.

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 2025-12-15 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Ive requested A signed original creditors documentation on file to verify information is correct and is mine. Also a consumer contract with my original signature on it as required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ). Which they have failed to provide the method of verification as required under section 611 ( a ) ( 7 ) and under section 611 ( 5 ) ( A ) of the FCRA they are required to DELETE all information which can not be verified

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 2025-12-15 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 filing this complaint because [ XXXX XXXX XXXX  / TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX TransUnion, XXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXXXXXX XXXX TransUnion XXXX XXXX ), TransUnion paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted 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 XXXXXX/XX/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 2025-12-15 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-12-15 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: MI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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