vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
XXXX XXXX has been charging my business checking account for the last month from his USAA XXXX XXXX CREDIT CARD

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 2025-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NM

Complaint narrative:
The complaint is regarding a phony trust that was utilized for theft of property. In turn sold to a third party. There are XXXX fraudulent sales recorded in the county that I am claiming attempted adverse possession. The Securities and Exchange Commission confirmed that the trust for the XXXX XXXX XXXX is non-existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NY

Complaint narrative:
This is a follow-up regarding a dispute I submitted under FCRA 611 ( a ), 607 ( b ), and 623 ( a ) ( 2 ) concerning XXXX closed credit card accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$2700.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$62000.00} that continue to report inaccurate late payments inconsistent with my verified payment history. I previously submitted documentation verifying timely payments and account closure, yet the credit bureaus Equifax, Experian, and TransUnion have not corrected the reporting or provided the results of their reinvestigations. The inaccurate information continues to negatively impact my credit, which violates my rights under the FCRA.

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 2025-11-27 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: MI

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, XXXX ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. 

The account listed XXXX XXXX - Account number XXXX LEASE DATE : XX/XX/year>. 

XXXX XXXX : XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
As stated in my previous complaint ( s ) XXXX, XXXX, XXXX, I will only settle and work with Midland Credit Management the company that originally contacted me but failed to meet documentation standards by never sending the required validation notice or proof of debt. Despite their failure, I am still willing to settle with Midland Credit Management for 5075 % of the remaining balance. 

If XXXX  XXXX XXXX insists on using XXXX XXXX instead, then I will only settle for 3550 % of the remaining balance. No more. These are my conditions, and I will continue filing CFPB complaints until this matter is handled properly. 

XXXX  XXXX XXXX has ignored my stated preferences and continues assigning my account to a different company without my authorization. They also XXXX my ability to make the final settlement payment, preventing me from completing my agreement through no fault of my own. 

Additionally, the documents they claim to have sent are being delivered to a previous address where I no longer live. These documents are not reaching me, which is a failure to provide required documentation in a timely and accurate manner. XXXX  XXXX XXXX has not made any attempt to confirm or request my updated address ; therefore, their demands for repayment are invalid. I am not obligated to update them on my temporary school address when they have not verified any contact information. 

To summarize, XXXX  XXXX XXXX has : XXXX my ability to complete my final settlement payment Ignored my instruction to work only with Midland Credit Management XXXX my account to XXXX XXXX without my authorization Failed to ensure documentation reaches my current location Failed to request or verify updated address information Avoided addressing the core issues in their prior responses Again, I will settle at 5075 % with Midland Credit Management, or 3550 % with XXXX XXXX if they insist on using that company. These conditions are final, and I will continue filing CFPB protests until XXXX  XXXX XXXX corrects these errors and resolves this matter appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am disputing a {$460.00} unauthorized transaction on my Citi credit card ending in XXXX. 
I want to make it clear that the issue is NOT about the opening of the account. The account may have been opened by me, but the transaction itself was absolutely NOT authorized by me. 

Here are the facts : I live in XXXX XXXX but the unauthorized transaction was made in XXXX XXXX, XXXX at : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX 
I have never been to XXXX XXXX and did not make this purchase. 
My XXXX mailbox was found unlocked, and my building posted warnings that the XXXX master key was stolen. Mail theft is an ongoing issue. 
I received a Citi fraud alert for this transaction and selected Not Me. 
I immediately called Citibank to report the unauthorized charge. 
I did NOT have the physical credit card at the time of the transaction. 
I asked Citi to provide documentation such as the proof of purchase, payment source, receipt, or evidence used to determine liability, but Citi did not provide any of this information. 

Citibank closed the investigation incorrectly, stating : Payments were made from an account that belongs to you. 

This is not true, and Citi did not provide any proof. They closed the case without properly investigating the unauthorized transaction. 

Under the Fair Credit Billing Act ( FCBA ), I am not liable for charges that I did not authorize. 

I am requesting that CFPB require Citibank to : 1. Reopen the fraud investigation, 2. Provide documentation supporting their decision, 3. Remove the {$460.00} unauthorized charge, 4. Reverse any related interest or fees, 5. Ensure no negative credit reporting occurs. 

Thank you for your 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 monetary relief
Consumer complaint received 2025-11-27 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: IA

Complaint narrative:
I recently checked my credit report and noticed multiple fraudulent accounts reporting improperly they do not belong to me and need to be deleted Immediately

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 2025-11-27 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: CA

Complaint narrative:
Good day, I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

XXXX XXXX XXXX XXXX  XXXX Balance {$1100.00} Date opened XX/XX/XXXX late 30 days XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX Balance {$1900.00} XXXX XXXX Balance {$0.00} XXXX Balance {$1100.00} XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

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 2025-11-27 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-11-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am a victim of auto dealer fraud and I am being pursued for a debt that I dispute as invalid. 

The debt came from a fraudulent transaction, and I am being charged for a vehicle that the dealer took from me and never returned. Later, the original lender recovered the car from the dealer. 

Below is the timeline : Timeline of Events XX/XX/XXXX : I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX. The salesman, XXXX, sold me a faulty vehicle at an inflated price. 

XX/XX/XXXX : The vehicle broke down. XXXX told me to stop making payments and to give him the car so he could repair it. He promised to give me a replacement vehicle. I returned the car to him based on this promise. 

XX/XX/XXXX XX/XX/XXXX : Even though I did not have the car, I continued making loan payments until XX/XX/XXXX because I trusted the dealer. 
During this time, someone from XXXX XXXX XXXX came to my home and had me sign a document that I did not understand. 

After XX/XX/XXXX : XXXX and XXXX XXXX XXXX stopped responding and never returned the car or provided a replacement. 
Later, I learned that the original lender, XXXX XXXX XXXX, recovered the vehicle from the dealer after it was abandoned in their possession. 

XX/XX/XXXX : Even though XXXX recovered the collateral, the account was charged off and sold to Jefferson Capital Systems, who is now trying to collect {$18000.00}. 

Key Points of My Dispute XXXX. The debt is invalid. 
I have not had the vehicle since XX/XX/XXXX. The lender recovered the car, so I should not be responsible for the full balance. 

XXXX. The debt came from a fraudulent sale. 
The dealer took the vehicle from me under false promises of repair/replacement and never returned it. 

XXXX. I formally disputed the debt. 
On XX/XX/XXXX, I sent a written debt validation request to Jefferson Capital Systems under the FDCPA. 
I requested full validation, including the original signed contract. 
They must stop collection attempts until they provide validation. 

XXXX. Prior settlement offer by the original creditor shows the debt is questionable. 
XXXX once offered to settle the account for {$3900.00}, suggesting they know the full balance is not enforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: WA

Complaint narrative:
I am submitting this letter as my third formal dispute regarding the reporting of a charge-off account on my Experian credit report. The account in question is listed as XXXX  XXXX XXXX with a balance of {$360.00}. After reviewing my records, I have determined that the information reported by Experian is inaccurate and does not reflect the actual status of this account. 
According to my documentation, the account was either fully paid, settled, or otherwise resolved in a manner not accurately reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), any information that can not be verified must be corrected or removed. I am requesting that Experian contact the furnisher directly to verify the status of this account, including the balance, payment history, and any charge-off designation, and update my credit report to reflect accurate information. 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 2025-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
i see on my credit report new collection account from MIDLAND CREDIT MANAGEMENT, AMOUNT OF {$7100.00} AND A CALL THE COMPANY TO GET ANY INFORMATION, THE COMPANY SAY ITS XXXX XXXX  XXXX  XXXX  OPENED IN MY NAME, I TOLD HIM THAT BOT MY ACCOUNT AND SOMEONE USE MY PERSONAL INFORMATION SUCH XXXX XXXX, NAME AND XXXX FOR OPEN FRAUDULENT ACCOUNT, USE IT AND NOT PAY! WITH DIFFERENT ADDRESS PHONE NUMBER AND EMAIL ADDRESS, THAT ACCOUNT NOT MY AND I NOT DISPOSABLE FOR THIS DEBT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
CAPIT- * * * * * * * * * * * * * * High Balance : -- -- {$230.00} Last Verified : -- -- -- Date of Last Activity : -- -- XX/XX/XXXX Date Reported : -- -- XX/XX/XXXX Date Opened : -- -- XX/XX/XXXX Balance Owed : -- -- {$230.00} Closed Date : -- -- -- Account Rating : -- -- Derogatory Account Description : -- -- Individual Dispute Status : -- -- Account disputed Creditor Type : -- -- Factoring Companies Account Status : -- -- Open Payment Status : -- -- Late 120 Days Creditor Remarks : -- -- Consumer disputes after resolution Collection account Payment Amount : -- -- {$0.00} Last Payment : -- -- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My XXXX XXXX XXXX child, who is an unauthorized user under my account had access to my funds. While processing a transaction through XXXX XXXX, with the lapse of an XXXX XXXX  password she pulled {$600.00} from my USAA account. 
Firstly I disputed through XXXX, twice and was denied. 
Second I disputed through XXXX to which my USAA card was attached. 
Third I disputed with my bank. My bank allowed almost all {$600.00} to be pulled before sending me a fraud alert on the last transaction! I immediately submitted disputes. Their customer care entered the dispute as fraud, to which it was not. It was an unauthorized user who had access to an account due to the lapse of security with XXXX XXXX. I was immediately denied through my claim for a refund. I then had to resubmit a claim through USAA as non fraud, to which they also denied.

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 2025-11-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
National Credit Systems has reported that my husband and I owe over {$4000.00} in rental charges. I dispute this debt because it is legally invalid and improperly calculated under Indiana law. 

My landlord ( XXXX XXXX XXXX XXXX violated Indiana Code 32-31-3-12 and 32-31-3-14 by failing to provide an itemized list of damages within 45 days of my move-out ( XX/XX/year> ). The statement was sent XX/XX/XXXX, OVER 100 days later. Under Indiana law, this FORFEITS the landlords right to retain the security deposit or pursue damages. 

The statement sent was inflated, inconsistent, and included duplicate charges ( e.g., rent for XXXX twice, early termination fees for a month-to-month tenancy ). The balance fluctuated repeatedly from {$4000.00} to {$1000.00} to {$600.00}, suggesting deceptive practices. 

The landlord never provided a legally valid, itemized statement. 
National Credit Systems was notified of my dispute under the FDCPA ( 15 U.S.C. 1692g ) but did not respond or provide validation, yet reported the debt to credit agencies, VIOLATING the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I just checked my credit report again and these inaccurate accounts are still there. They have not been taken out at all. This situation is overwhelming and I am asking that the documents I sent be carefully reviewed so that I can finally stop stressing over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7400.00} - Date Opened XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$41000.00} - Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$41000.00} - Date Opened XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: LA

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