vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: U.S. BANCORP
State: TX

Complaint narrative:
US Bank sent me a new card which they advertised as a rewards card where I would earn XXXX points or 4 % per dollar on dining. I used that card for dining purchases over a different card from another bank which would pay me less than 4 %. I then found that US Bank would not allow me to redeem my rewards until I have accumulated at least XXXX point. I kept going with the utilization of the card until I have XXXX points which I had believed is equivalent to {$34.00}. At redemption, I found that this XXXX points only converts to around {$25.00}. It would only allow me to redeem {$25.00} worth of statement credit at a time and that is XXXX points. Leaving the remaining points unredeemable unless I continue using the credit card to earn additional points. I called US Bank, and I was told the only way I can get {$34.00} for the XXXX points is to deposit it into XXXX of their bank accounts which I do not have. I believe this sales practice is a violation of XXXX since the advertisement of the 4 % or XXXX points per dollar never mentioned " when redeemed as cash into a US Bank XXXX account. ''

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 2025-08-02 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and 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 2025-08-02 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: CL Holdings LLC
State: RI

Complaint narrative:
Dear CFPB, I hope this message finds you well. I would like to bring to your attention a matter concerning a transaction involving Jefferson Capital Systems LLC. 

The transaction amount is {$2600.00} and was originally reported in XXXX. At that time, it was removed from my records upon my request for proof of the transaction, which was not provided. However, I noticed that this transaction has reappeared on XX/XX/XXXX. 

According to 15 U.S.C. 1681g of the Fair Credit Reporting Act ( FCRA ), Jefferson Capital Systems LLC does not possess the necessary information to accurately disclose my details in the credit report. I kindly request your assistance in addressing this issue. 

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

Sincerely, XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
I had a lil down time was checking credit due to previous identity theft i still see fraudulent accounts still showing up i reached out to credit bureaus for assistance i would like additional support.

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 2025-08-02 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: GA

Complaint narrative:
I had a lil down time was checking credit due to previous identity theft i still see fraudulent accounts still showing up i reached out to credit bureaus for assistance i would like additional support.

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 2025-08-02 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: CA

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my 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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
The company is in validation, incorrect and contradiction report in long-term XXXX but the accounting means open boundary reports inconsistent is a violation of FCRE 1681 legal valid legal assignment violence to FTCPA code 809 unlawful collection beyond terms learn extend XXXX miles consumer financial protection code 12 USC5531 false derogatory reporting account marked derogatory despite in good standards the payment of the credit FCRA 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
I am writing to formally report suspicious and potentially unlawful activity regarding the manipulation of my credit score, especially in connection with my attempts to apply for a mortgage loan. 

Despite consistently monitoring and managing my credit, I have observed the following alarming pattern : My credit score experiences a temporary rise shortly before I initiate a mortgage loan application. 

Within XXXX hours after the inquiry or submission of application documents, my score inexplicably dropsdespite no new negative entries, high utilization, or delinquent activity. 

These score fluctuations often occur even when disputed accounts are being addressed or when there is no legitimate reporting change. 

The timing of these changes directly impacts my loan eligibility and appears retaliatory or algorithmically triggered. 

I believe this constitutes potential credit fraud, consumer rights violations, and possibly FCRA noncompliance, especially if financial institutions or data furnishers are deliberately interfering with my access to housing or fair credit evaluation. 

I am a XXXX XXXX XXXX and a single parent actively seeking homeownership for stability. These targeting patterns are not only financially damaging but emotionally distressing. I request a full investigation into : The source ( s ) of these score fluctuations Whether any financial institutions, credit bureaus, or third parties are responsible for deliberate manipulation Any violations of the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), or the Dodd-Frank Act I am attaching supporting documents including : Credit score logs and screenshots Mortgage application timelines Dispute history with Experian, Equifax, and TransUnion Any relevant creditor or collection agency communications I respectfully request that your agencies intervene, investigate, and provide written findings or next steps. I am open to speaking with an agent or case investigator to explain these issues in more detail.

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 2025-08-02 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: TX

Complaint narrative:
I am writing to formally report suspicious and potentially unlawful activity regarding the manipulation of my credit score, especially in connection with my attempts to apply for a mortgage loan. 

Despite consistently monitoring and managing my credit, I have observed the following alarming pattern : My credit score experiences a temporary rise shortly before I initiate a mortgage loan application. 

Within XXXX hours after the inquiry or submission of application documents, my score inexplicably dropsdespite no new negative entries, high utilization, or delinquent activity. 

These score fluctuations often occur even when disputed accounts are being addressed or when there is no legitimate reporting change. 

The timing of these changes directly impacts my loan eligibility and appears retaliatory or algorithmically triggered. 

I believe this constitutes potential credit fraud, consumer rights violations, and possibly FCRA noncompliance, especially if financial institutions or data furnishers are deliberately interfering with my access to housing or fair credit evaluation. 

I am a XXXX XXXX XXXX and a single parent actively seeking homeownership for stability. These targeting patterns are not only financially damaging but emotionally distressing. I request a full investigation into : The source ( s ) of these score fluctuations Whether any financial institutions, credit bureaus, or third parties are responsible for deliberate manipulation Any violations of the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), or the Dodd-Frank Act I am attaching supporting documents including : Credit score logs and screenshots Mortgage application timelines Dispute history with Experian, Equifax, and TransUnion Any relevant creditor or collection agency communications I respectfully request that your agencies intervene, investigate, and provide written findings or next steps. I am open to speaking with an agent or case investigator to explain these issues in more detail.

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 2025-08-02 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: CA

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, yet the inaccurate information on my report remains unchanged. I'm surprised that I haven't received any response, and it seems my complaint has been closed without resolution. Can you explain why they closed it without addressing my concerns? Did they even investigate my dispute? It's important for me to understand that they thoroughly examined the inaccuracies on my report and verified the accounts. Could you provide details on how they verified my report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Revenue, Inc.
State: NY

Complaint narrative:
Was send a letter in mail at beginning of XXXX responded XX/XX/XXXX via mail never received information requested or a response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : CEASE AND DESIST & FORMAL REQUEST FOR VALIDATION OF DEBT Account Number : XXXX Balance Reported : {$1600.00} To Whom It May Concern : This letter serves as a formal dispute of the alleged debt referenced above and a demand for immediate cessation of all communication in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and 1692c ( c ).

Cease and Desist Demand Effective immediately, you are instructed to cease all communication with me regarding this account. This includes but is not limited to phone calls, text messages, emails, and written correspondence. If you intend to take legal action, you are permitted to notify me once. Any further contact will be considered a violation of federal law.

Debt Validation Demand Pursuant to 15 U.S.C. 1692g, I hereby request full legal validation of the alleged debt. You are required to provide the following : A copy of the original signed contract or agreement creating the obligation.

A complete itemized breakdown of the {$1600.00} balance, showing all charges, fees, and payments applied.

A complete account history or flow sheet from the original creditor.

Proof of legal ownership or assignment, showing the full chain of title from the original creditor to Jefferson Capital Systems.

A copy of your debt collection license for the State of Arizona.

The name and credentials of the person who verified this debt for credit reporting.

A bill or invoice is not sufficient to meet the standard for legal debt validation under the FDCPA.

Legal Notice If you can not produce the documentation listed above, the account must be immediately removed from all consumer credit reporting agencies ( Equifax, Experian, and TransUnion ). Continued reporting or collection efforts without proper validation is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ).

Failure to comply will result in the following : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) A report submitted to the Federal Trade Commission ( FTC ) A complaint made to the Arizona Attorney General 's Office Potential civil action for statutory and actual damages You have 30 days from the date of receipt of this letter to provide full validation or remove the account. 
Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Ive repeatedly been locked out of my free TransUnion account without cause. Despite resetting my password and speaking with customer support just yesterday ( XX/XX/year> ), I was again locked out of my account today. Ive followed all proper procedures to regain access, yet the system continues to prevent me from logging in, with no explanation. 

This ongoing issue is preventing me from monitoring my credit, which is especially concerning as Im currently dealing with identity theft and need to stay on top of my credit report. The inability to access my own credit information is both frustrating and unacceptableespecially from a credit bureau responsible for maintaining accurate consumer data.

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 2025-08-02 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:
FCRA Violations : The FCRA regulates credit reporting agencies and outlines their responsibilities, including maintaining accurate information and conducting proper investigations into disputes. ( This is not taking place, and I have received even more fraud to my e-mail address as follows : from : Experian XXXX to XXXX XXXX XXXX, and obviously this is NOT my name! ) Failing to Meet Responsibilities : If a credit bureau fails to follow reasonable procedures to assure maximum possible accuracy, or does not conduct proper reinvestigations of disputed information, they may be in violation of the FCRA. ( NOT MET ) Legal Action : When a credit bureau 's actions or inaction regarding credit report fraud constitute a violation of the FCRA, consumers can file a lawsuit in state or federal court to seek damages.

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 2025-08-02 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: CA

Complaint narrative:
I have two collections that popped up on my credit. I requested account information and was never given any. They started calling and harassing me. Then they took me to court. I was served and replied to their court documents with no reply back. They served me a year in advance. I did everything through the court system as I was supposed to and showed up for trial. They didnt show up and the judge dismissed the case. I have requested through the credit bureau for them to update and remove those accounts from my credit and they refused even when I submitted court documents as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX my family and I paid our HOA annual assessment fee of {$300.00}, which showed posted date on XXXX XXXX. We received a letter from our HOA on XXXX XXXX saying your account is now past due in the amount of {$310.00}. We contacted the HOA and they said there may have been a glitch in the transaction, but they hadnt received the payment. I told the HOA I had back statements showing the payment was received, and they said they dont use bank statements as proof. On XXXX XXXX I contacted my bank and asked for a reversal of the {$300.00} dollars to be returned to me, so we could resend the {$300.00}. On XXXX XXXX, we ach a payment of {$310.00} to HOA. They received it and gave us a reference number receipt # XXXX. On XX/XX/XXXX the bank had a claim reversal and gave the {$300.00} back to the HOA, because I didnt submit the dispute transaction questionnaire from the XX/XX/XXXX claim reversal Id asked for. This was a first for us, and I never received the questionnaire. I submitted a dispute transaction questionnaire on XX/XX/XXXX, for the {$300.00}. Reversal, but was told it was denied and as of XXXX XXXX, the {$300.00} overage is now in there possession. We Tried calling HOA and emailing them to no resolve. They do acknowledge theres an overage in my account. We call for updates, but never return calls or emails. We gave the bank all of the information, including the letter they sent to my home, saying they never received the payment XX/XX/XXXX. The should not have refused our claim.

Company response to consumer: Closed with explanation