vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: DISCOVER BANK
State: IL

Complaint narrative:
In XX/XX/XXXX I entered into a contract with XXXX XXXX XXXX XXXX to go to XXXX in XX/XX/XXXX. After the initial deposit of {$1.00} there were monthly recurring deduction from my Discover Credit Card of XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( {$95.00} ) ; XXXX and XXXX ( XXXX ) and XXXX ( XXXX ). The double payment in XXXX was because if paid in full, there would be a discount. Payments totaled {$1800.00}. In XX/XX/XXXX, I received notification that the trip was cancelled due to the tragic death of the founder. I emailed XXXXXXXX XXXX XXXXXXXX about a refund and received a generic email which stated " we will return emails within XXXX hours. To date there has been no communication and all forms of communication does not work ( email, website, telephone number ). Despite submitting documents to Discover Credit Card indicating that XXXX XXXX XXXX failed to deliver the goods and services promised, Discover Credit card continues to deny my claim. Each representative state something different. Initially Discover Credit Card did provisional credit for all charges and then reversed all expect charges in XXXX  ( {$850.00} ). When I inquired as to why only XXXX, a representative stated that it was within the 120 days. Another representative said that the {$1.00} was insignificant to investigate. Discover Credit Card refuses to refund me {$960.00} for charges XXXX XXXX XXXX made against my credit card and I did not go on the trip. XXXX XXXX XXXX defrauded me out of my money and I do not understand why Discover Credit Card refuses to see this as fraud and goods and services not received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-19 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: WA

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report. These entries contain inaccuracies, and I request they be investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I began an auto loan pre-approval application with Navy Federal Credit Union online. The application process has 7 steps. I stopped at Step 5 and did not complete or submit the application. I did not reach the final disclosure, authorization, or consent page required to submit a credit application. 

Despite the application being incomplete, Navy Federal performed a hard credit inquiry without my full authorization. I immediately contacted Navy Federal to cancel the incomplete application, and they confirmed the application was never submitted and could be canceled before a decision was made. However, they told me the hard inquiry would remain on my credit report for two years.

This inquiry was performed prematurely and without a completed application, which means Navy Federal can not show proof of : a completed or submitted loan application my final consent my agreement to the credit terms my acceptance of the credit inquiry authorization Navy Federal refuses to remove the inquiry even though they acknowledge the application was incomplete and canceled prior to review. 

A lender should not perform a hard inquiry unless an application is fully submitted with proper authorization and disclosures. Navy Federal pulled my credit before I completed the required steps, which constitutes an unauthorized hard inquiry. This has negatively affected my credit score despite no decision being requested or rendered. 

When I called Navy Federal, they refused to assist and stated they can not remove the inquiry, even though the inquiry was made in error and without full consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo disabled my online access after an insurance check did not clear. I was not given the opportunity to unenroll my phone number from XXXX. Wells Fargo is now refusing to assist as they state they are unable to remove my phone number, even though XXXX states the bank controls the enrollment. 
My account was disabled, not at my request, I was denied the opportunity to to do anything or save information from my account before closing it. 
They now refuse to help and state, just get a new number to use with XXXX. 

Excuse me? To ask someone to change their number because they refuse to remove a phone number from their online system is ridiculous.

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 2025-11-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Nothing happened at all!!! I have provided all of the required documents, Driver 's license, Medicare card, Bank statement, Certified Documents from Social Security Administration, Birth Certificate and still no credit Report. I am demanding that every disputed and derogatory Item be deleted at once. The misreporting of the disputed and derogatory accounts are missing many proper reporting fields and formats, making the disputed accounts obsolete. Please delete every disputed account inaccordance to Metro 2 Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Columbia Collection Service, Inc.
State: TX

Complaint narrative:
XXXX contacted me and said that I had a bill with XXXXXXXX XXXX XXXX because I trashed the property. 
I explained to the agent that was incorrect and provided him with emails and went to the property to explain to the leasing office. 

The leasing office and the credit company has failed to remove the information after several attempts.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CT

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus : XXXX  ( XXXX ), Experian ( XXXX ), and XXXX  ( XXXX ). These errors involve charged off accounts, inquiries, positive accounts, and late payments. Below is a breakdown of the disputed items for each bureau. 
Charged Off Accounts : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX, Balance : {$1000.00} Inquiries : XXXX XXXX XXXX, Date Open : XX/XX/XXXXXXXX XXXX XXXX, Date Open : XX/XX/XXXX Late Payments : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( duplicate accounts, sold illegally and aged account illegal reaging under FCRA 605 ( c ).

violation of FCRA 623 ( a ) ( 5 ) ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX must provide full validation ( FDCPA 809 ( b ) ).

As per 15 USC 1611 Experian TransUnion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-11-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( duplicate accounts, sold illegally and aged account illegal reaging under FCRA 605 ( c ).

violation of FCRA 623 ( a ) ( 5 ) ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX must provide full validation ( FDCPA 809 ( b ) ).

As per 15 USC 1611 Experian TransUnion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management is reporting a {$1500.00} collection account on my credit file with a Date Opened of XX/XX/XXXX, but I never received the FDCPA-required initial written notice before this item was furnished to any credit bureau . This is a direct violation of FDCPA 1692g ( a ), which mandates that a debt collector must send a written notice containing the amount of the debt, the name of the creditor, and the consumers 30-day dispute and validation rights within 5 days of the initial communication. I did not receive any such notice. 
Federal courts have been clear that collectors can not proceed with collection or credit reporting without first satisfying 1692g ( a ). In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), the court held that a collector can not assume a debt is valid or engage in collection activity without providing the statutory notice. The XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) confirmed that consumers must receive this notice so they have a meaningful opportunity to dispute before collection efforts begin. 
Midland did the opposite of what the law requires. Instead of notifying me first, they skipped the validation process completely and immediately reported the account. Reporting a debt that was never validated constitutes furnishing information that is not known to be accurate, which violates FDCPA 1692e ( 8 ) ( communicating credit information knownor that should be knownto be false or unverified ). It also violates FCRA 623 ( a ) ( 1 ) ( A ) because a furnisher must ensure accuracy before reporting anything to the credit bureaus. 
Additionally, the CFPB has taken multiple enforcement actions specifically against Midland Credit Management for failing to send validation notices, including actions in XXXX, XXXX and XXXX, where the CFPB found systemic violations of 1692g ( a ) and ordered Midland to stop reporting unverified debts. Midlands continued conduct here matches the same behaviors criticized and penalized in those enforcement cases.

I learned about this account only from reviewing my credit reportnot from any notice, letter, or contact by Midland. Because the legally required initial communication was never sent, I was denied my federal right to dispute the debt and request validation before any credit reporting occurred. Midland bypassed the core consumer protection that 1692g ( a ) is designed to provide. 
This account was furnished to the bureaus illegally, without the mandatory disclosure, and without giving me the chance to question or verify it. That is a clear violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-19 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: LA

Complaint narrative:
I am submitting this dispute to request a correction to my credit report for the following inaccuracies. These accounts are being reported incorrectly by the respective credit bureaus and I respectfully request that they be reviewed and corrected according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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