vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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 2025-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
XXXX, XXXX XXXX XXXX ; XXXX, XXXX. 
Attn : Accounting Department Attorney for Plaintiff XXXX. XXXX XXXX XXXX  XXXX, XXXX  XXXX Other information for Debt collector : Phone : XXXX Email : XXXX XXXX This is a company address that is attempting to sue and garnish old debt. I moved within XXXX  XXXX to a new address and was a default judgment of {$3000.00} causing a garnishment of {$200.00} per pay period. Went back to court to obtain exemptions due to being exempt on taxes and the attorney kicked me out of the court house, bringing paperwork to the Judge without me seeing an attorney. I have paid this garnishment and they are seeking two more accounts that are old debt and past statute of limitations. 

This prior garnishment of {$3000.00} is also past statute of limitations and what they're attempting to collect is illegal and they wont stop sending paperwork and notifications. 

May I receive assistance please? This is old debt from Navy Federal Credit Union that was old off to this agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Cant get any accounts in my own name because of XXXX XXXX saying that I have accounts and I DONT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: IL

Complaint narrative:
My XXXX  loan account was incorrectly reported as delinquent even though I had been placed into a forbearance. The forbearance meant that I was not required to make payments during that period, and my account should not have been considered past due. Despite this, the servicer furnished negative information to the credit bureaus, which damaged my credit. 

Under 15 U.S.C. 1666 ( b ) of the Fair Credit Billing Act, this constitutes a billing error because the servicer failed to properly apply a credit/adjustment to my account ( the forbearance ) and then reported the account inaccurately. Section 1666 ( b ) requires that when such errors occur, the creditor must properly credit payments and adjustments and ensure accurate reporting. 

By reporting me as delinquent while I was under forbearance, the servicer failed to comply with its legal obligations. 

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly is a billing error. 

XXXX  - XXXX Under 15 USC 1666B this is a billing error. All payments on this account were made on time. This is paid as agreed and should not be reporting negatively on my report. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in XXXX, Illinois under 15 USC 1681n civil liability because Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX I have made a payment to credit card account which was rejected by the Am/Ex. The letter stated that the payment was not processed and the check generated by my bank, the XXXX XXXX  has been returned. However when I attempted to redeposit the check back to the account on which it issued, XXXX refused the deposit stating that the check has been processed and pointed to the deposit stamp on reverse of the check, contrary to the letter included with the returned check. 
It is reprehensible that Am/Ex processed the payment while stating it has not been processed. Please return {$300.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/2025 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 non-monetary relief
Consumer complaint received 2025-09-13 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/2025 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/year>, I received a written offer from Fifth Third Bank for a 0 % balance transfer for my credit card account ending in XXXX, valid through XX/XX/year>. I used XXXX of the balance transfer checks provided, and the transaction posted on XX/XX/year>, well within the established promotional deadline. 

However, the XX/XX/year> statement showed {$1.00} of interest, and the XX/XX/year> statement showed the entire transferred balance accruing interest at 23.24 % APR. 

On XX/XX/year>, at approximately XXXX a.m., I spoke with a Fifth Third Bank customer service representative named XXXX, who confirmed the interest was a banking error. He stated he was submitting a fee reversal request and assured me the issue would not continue moving forward. However, the interest charges have continued to accrue. 

On XX/XX/year>, I received a call from a Fifth Third representative named XXXX from the XXXX, XXXX branch regarding options to refinance my high interest debt. I explained the situation, and he advised he would look into it. During a follow-up call on XX/XX/year>, XXXX contradicted XXXX earlier representative, stating there was no record of any 0 % balance transfer offer, only courtesy checks that would accrue interest. He also stated there was no record of my XXXX conversation with XXXX. XXXX stated he would email me a summary so I could reply directly, but no emailed communication has been received to date. 

This contradictory information and lack of follow-through have left me paying interest on what was clearly advertised and confirmed as a 0 % balance transfer. 

Amounts Involved {$160.00} balance transfer fee was charged on {$4000.00} transferred balance. 
{$240.00} in interest has accrued year-to-date through the XX/XX/year> statement, with additional interest continuing to post. 
On XX/XX/year>, I initiated full repayment of {$3900.00} to Fifth Third Bank ( payment is currently pending ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
This debt is unvalidated. Provide full contract, account history & proof of ownership. Without it, reporting violates FDCPA/FCRA. 
sent on XX/XX/year> to XXXX  credit agency did not provide any documentation to me said account was validated the account is not mine i have know knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This is my 3rd attempt to dispute thru equifax. they have failed to dispute or give me any feed back on the accounts below. AS I STATED BEFORE i AM A VICTIM OF THE EQUIFAX DATA BREACH THIS SITUATION HAS COSTED ME MY JOB AND OTHER THINGS FROM MY LIVELY HOOD. IVE BEEN TRYING TO HAVE THESE PEICES OFN INFORMATION ON MY CREDIT REPORT CORRECTED. FAULIRE TO PROPERLY INVESTIGATE WILL RESULT IN LEGAL ACTION AND COMPENSATION IN DAMAGES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
My credit report has several misleading accounts and collections reporting negatively

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/2025, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future.

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused.

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance.

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Sentry credit has contacted me on numerous occasions and I have informed the company : XXXX. My names not XXXX, all of the emails provided an XXXX is mentioned XXXX. They are harassing me with emails and calls XXXX. They have called my parents and have harassed them XXXX. The apartment was clean and I requested an itemized breakdown of what they were trying to charge for or what this debt is for, I asked if they were able provide XXXX and she said no XXXX. Finally received the breakdown and I was not able to view it ( even on a laptop )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: NJ

Complaint narrative:
I looked at my Experian 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am being sued by XXXX XXXX XXXX  XXXX, attorneys for Midland Credit Management, for a credit card debt that I do not recognize. I sent a debt verification letter under the FDCPA ( 15 U.S.C. 1692g ) requesting : A copy of the original signed agreement or contract showing I agreed to the debt. 

Any documents containing my signature linking me to the debt. 

Any documents containing my Social Security number or other identifying information tying me to the debt. 

Any other documentation that directly proves I am legally responsible for the alleged debt. 

Confirmation that all collection efforts, including reporting to credit bureaus, cease until proper verification is provided. 


XXXX XXXX responded with account statements, bills of sale, and affidavits, but they did not provide the original signed agreement, my signature, or any identifying information. These documents do not legally prove I am responsible for this debt. Despite this, they are continuing to pursue legal action against me and reporting the alleged debt to credit bureaus. 

I request that CFPB investigate this potential FDCPA violation and ensure that all collection and legal actions cease until proper verification is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: AL

Complaint narrative:
failure to address a disputed transaction on my account. My son attempted to send me two payments of {$50.00} each, totaling {$100.00}. Unfortunately, I never received the funds. Despite multiple attempts to resolve this issue with Chime, they failed to replace the missing money. Instead, they closed my card without refunding the disputed amount. This situation has caused me financial hardship and frustration. I believe Chime has not acted in accordance with consumer protection laws regarding electronic fund transfers and account handling.

Company response to consumer: Closed with explanation