vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
See auto loan and lease accounts opened without consent : XXXX XXXXXXXX XXXX Experian XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$26000.00} {$0.00} {$26000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid account/XXXX  balance Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Collection Collection Collection Account Type - Detail : Collection Collection Collection Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$4900.00} {$4900.00} {$4900.00} No. of Months ( terms ) : - - - High Credit : {$4900.00} {$4900.00} {$4900.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Consumer disputes this account information Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$5600.00} {$5600.00} No. of Months ( terms ) : - - High Credit : {$5600.00} {$5600.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Consumer disputes this account information Subject has not satisfied debt. 
Date Last Active : XX/XX/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 2025-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I do not know. I have never had any communication with this company in any format.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: OH

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. 

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 I looked at my XXXX  credit report on XXXX XXXX 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 reporting 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 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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.

Along with other laws and codes ordered by the FRCA such as,15 US CODE 1637 ( 2 ) 9 ( A ), 15 US CODE 1681, 15 US CODE 1681s-2 ( aX3 ), 15 US CODE 168le ( b, 15 US CODE 1681A ( 2Xi ), 15 US CODE 1666b , US CODE 1692g , and 15 US CODE 1635 .

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 2025-11-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent debt validation letter XX/XX/year>, i have received nothing from XXXX OR 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 2025-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am filing this complaint because a debt collector is attempting to collect a debt that has not been properly validated, and the credit bureau is reporting the account without proper verification. 

I requested written validation from the debt collector, including the original agreement, itemized amount, payment history, and full chain of custody. They have not provided this information but continue attempts to collect. 

I also disputed this account with the credit bureau. The bureau is reporting the account as accurate even though the furnisher has not provided proper documentation to validate it. 

I can not confirm the validity of this debt without full verification.

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 2025-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I looked at this account and I have no idea why Transworld is holding anything with my name attached to it. I never authorized this company to collect my information or manage anything connected to me. They are reporting a balance that came out of nowhere and have not shown a single document with my signature, my approval, or anything that proves I ever communicated with them. I already went through my paperwork and there is nothing tying me to Transworld. This has created credit damage for absolutely no valid reason and I am tired of companies placing accounts on my profile without proving how they even got my personal details in the first place. They have not confirmed that I gave permission for any transfer or handling of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hope this finds you well. 

On XX/XX/XXXX I applied for American Express XXXX XXXX online as they were running a sign up bonus of XXXX points upon spending $ XXXX first 6 months. 

I signed up, gave me a reference number and the website crashed before completion. luckily I took a picture of the reference number, and called in to customer service. Agent said if I provide the reference number, she can proceed to complete the application, I said before you proceed, can you confirm with me that the sign up bonus is still valid, she said yes, I said go ahead. 

I completed the spending, checked and realized I did not receive the sign up bonus, I asked customer service, they insisted I was told online I will not get the bonus. 

I asked that they listen to the phone call between me and the agent, on XX/XX/XXXX, phone number I called from is XXXX, they told me to follow up in 5 days. I followed up, they gave me a result of a phone call from XXXX regarding another credit card. 

I said this is not correct, please open another investigation, agent was ignorant and repeatedly told me the result of the phone call from XXXX regarding another credit card. 

I am tired to repeating myself to agents that dont listen, and would like your help in intervening to have them listen to the correct phone call, as I have no interest in this service if not for this sign up bonus that was promised to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I am requesting validation of the debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to receive full verification before any further collection activity continues. 

Please provide : 1. The name of the original creditor.

2. A complete itemized statement of the alleged debt.

3. A copy of the original signed contract or agreement bearing my signature.

4. The full chain of title, including all assignment or transfer documents.

5. The amount you purchased this alleged debt for.

6. Proof that you are legally authorized to collect in my state.

A generic bill of sale is not proof of ownership of any specific account. Validation must include documentation that clearly identifies me and this alleged debt.

Until you provide proper validation, cease all collection activities and do not report or continue reporting this account to any credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC
State: NC

Complaint narrative:
I reviewed this account and I still do not understand how Cedars ended up with anything tied to my name. I never shared my information with this company and I never approved any transfer of my personal details to them. There is nothing in my files that shows an agreement or any moment where I interacted with Cedars. They placed a balance on my credit without proving how they even received my information. This has created credit problems for me and they have not shown one valid document with my consent. A company can not report anything under my profile without confirming that I allowed them to handle my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because the credit bureau is reporting an account that has not been properly validated. I requested documentation from the furnisher showing the original agreement, itemized amount, payment history, and chain of custody. This information has not been provided, yet the credit bureau continues to report the account as accurate. 

I dispute this account and can not confirm its validity without proper verification.

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 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: NV

Complaint narrative:
My social security check was sent to US Bank by accident on the XX/XX/XXXX of this year 2025. The account it was sent to had been closed the previous month on the XXXX. They sent me a letter saying I can not do any business on it it was closed and the account was not able to receive deposits or checks. The Social Security agency accidentally sent my social security check to US Bank. I immediately asked for the return of the check and sent a demand letter. They refused to return the check. I have talked to numerous people in the last person I talked to was named XXXX and he's in charge of claims and disputes at US Bank. He says the bank can do whatever they want to do with my check. He basically says that they are above the law. They say that I owe them money which I do not. That is a totally separate issue. Social Security payments are a protected payment protected by the Social Security act and by the electronic funds transfer act which specifically says that a social security check that hits a closed account must be sent back can not be kept for any debts garnishments or levees. Period. Only by a judge 's order can they keep that money. Again I pointed this out numerous times to XXXX and the other people at the bank and they all seem to think, and they must be right that they are above the law. Who's going to make them obey 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 monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America continues to mishandle my account and ignore my hardship. I lost my job and notified them in writing, yet they still added late fees, double-charged me, and marked me 30 days late while I was under a documented hardship. I made a good-faith payment, and instead of helping me, they continued adding more charges on top of the hardship I already reported. 

My account shows conflicting balances ( {$440.00} vs {$200.00} ) and Bank of America refuses to explain why the numbers do not match. I have asked repeatedly for written communication and for a clear breakdown of my account, but instead I receive the same canned executive relations responses that do not resolve anything or acknowledge what I am actually asking. They are not reviewing my case ; they are copying and pasting generic responses while my balance keeps increasing. 

This situation has now caused overdrafts and financial harm because Bank of America keeps adding fees during the exact period I notified them I could not pay. They are ignoring my hardship, ignoring my written requests, and refusing to correct the inaccurate reporting and charges on my account. Nothing has been addressed, and they continue to make the situation worse every month.

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 2025-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc.
State: MD

Complaint narrative:
I have settled my debt with another agency and paid it all off already. But credit collectors keep on recycling them. This time, Unifin tried to collect for the same loan that has been settled and paid for. It has even been corrected by Credit Bureaus on my record because collection companies like Unifin keep on opening a collection case which was supposed to be settled already.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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:
I am submitting this complaint because there are multiple errors on my credit report and I need help getting them corrected. There are two addresses reporting that do not belong to me : XXXX XXXX  XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I never lived at those addresses, and they should not be listed. There are also several accounts reporting as charge-off, collection, or late payment that I do not recognize or can not verify. These include XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX Co. I am requesting verification of these accounts, and if they can not be proven as mine, I want them removed. There are also multiple hard inquiries from companies such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX that I did not authorize. These inquiries should be removed because I did not give permission for them. These errors are affecting my credit and causing financial hardship. I am asking for your help to correct these mistakes and request written confirmation after the corrections are made.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
XXXXDISCOVER / DISCOVERCARDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nAccount: XXXX\nStatus: Charge-Off\nBalance: XXXXnViolations: missing payment history, inconsistent last activity date'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Subject : Citi Bank Wrongfully Withholding {$830.00} Check Funds, Blocking Account Access, and Providing False Information Complaint : I am filing this complaint because Citi Bank closed my account without proper notice, withheld my funds, and misled me about the status of my account. 

On XX/XX/year>, I deposited a check for {$830.00} from my employer. Citi Bank accepted the deposit, and the funds were successfully deducted from my employers bank account. 

Citi Bank closed my account on XX/XX/year>, but they actually blocked my access before the closing date. When I tried logging into the Citi mobile app, it did NOT say the account was closed. Instead, it showed the message : We are facing technical problems, please try again later. 
Because of this, I had no access and no warning that my account was being shut down. 

Even after closing the account, Citi Bank did not return the {$830.00} from the deposited check. Instead, they only sent me {$410.00} a month later, which was my old balancenot the check amount. They are still withholding the rest of my money. 

Citi Bank claims they need to verify the check. I provided my employers correct phone number, but Citi incorrectly told me the number was not valid. This is falsemy employer is available and willing to verify the check, and it has already cleared from his bank account. 

For more than XXXX months, Citi Bank has given me conflicting information, delayed the process, and failed to return my money. This has caused me serious financial stress.

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 2025-11-22 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: CO

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 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