vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: NV

Complaint narrative:
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 any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 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 of information, other than records of convictions of crimes which antedates the report by more than 7 years.

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 non-monetary relief
Consumer complaint received 2025-06-24 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was overbilled for an XXXXXXXX XXXX XXXX  in XX/XX/year>XXXX  and to date the matter has not been resolved. I have supplied every possible documentation and supporting documentation while Amex allowed the claim to go through even without a valid signature from me and incomplete information from the merchant. The amount of the charge was 75 % of my credit limit and created a severe issue with my spending limit and reporting to the credit bureaus. This year again two more charges were allowed even though documentation was presented to support my claim of overcharge and it has now sent my account into a negative balance again reporting this to the credit bureaus. All three charges pushed my balance beyond my credit limit that Amex refused to increase while they slowly investigated the claims. 

Claims were denied due to lack of supporting documents that were sitting the portal the entire time. The customer service has been extremely poor and now my credit scores have taken a major hit due to these over charges. I have not received sky miles in six months and other use of other benefits with my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NPG Associates, Inc.
State: TX

Complaint narrative:
Debt Collection Complaint NPG Associates Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number : XXXX Email : XXXX Debt Collection Agency Information : Name : NPG Associates Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Phone Number : XXXX I am filing this complaint against NPG Associates regarding an alleged debt they are attempting to collect from me. Their conduct during this process has been abusive, threatening, misleading, and likely in violation of federal consumer protection laws. 

On XX/XX/year>, I received a call from a representative at NPG Associates claiming I owed {$1100.00} to XXXX  XXXX. The caller was extremely aggressive, used profane language, and pressured me into paying immediately, despite my informing him that I am currently unemployed. I was told that I had only two choices : pay {$800.00} that day, or face a lawsuit. 

Feeling intimidated and scared, I made a {$300.00} payment on XX/XX/year>XXXX  in good faith even though no written agreement or documentation of the debt or payment plan was provided to me. I specifically asked for proof of the debt and a written agreement, but the representative refused to send anything unless I continued making payments. 

When I asked again about the terms of the payment plan after paying {$300.00}, I was again denied written confirmation and was told instead that I had to pay an additional {$200.00} by Friday, or they would proceed with the lawsuit. 

To make matters worse, I was told that if they sued me, I would be charged three times the amount of the original debt, plus late fees and court costs. These are false, exaggerated threats meant to intimidate me, and they caused extreme stress and confusion.

On XX/XX/year>, I sent a written request via email ( to ; XXXX ) for validation of the debt, as allowed under the Fair Debt Collection Practices Act ( FDCPA ). As of today, NPG Associates has not responded to my request or sent any documentation verifying the debt. 

Violations Committed : Falsely represented the consequences of non-payment, claiming I would owe 3x the amount if taken to court Threatened legal action without proper documentation or filing Refused to provide written validation of the debt after a formal request Refused to provide a written agreement or payment plan after accepting money Used profane, abusive, and intimidating language on the phone Applied coercive pressure despite my clear disclosure that I am currently unemployed Collected {$300.00} under threat without supplying any legal or written confirmation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally disputing multiple late payment notations reported by TransUnion on the following accounts : XXXX XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) reported a late payment on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is marked as late on XX/XX/XXXX, despite being a closed or paid account with a XXXX balance. 
XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is marked late as of XX/XX/XXXX, even though this account is closed or paid with a XXXX balance. 
XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) shows a delinquency on XX/XX/XXXX, yet the record reflects it was paidalbeit for less than the full balancewhich should not be a basis for ongoing negative reporting years later. 
XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is reported as late on XX/XX/XXXX, even though it has been closed or paid with a XXXX balance. 
XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is listed as late on XX/XX/XXXX, despite the fact that the account is also closed or paid with a XXXX balance. 

These entries are inaccurate, misleading, and not in compliance with the Fair Credit Reporting Act ( FCRA ). According to Section 611 ( a ) of the FCRA, I have the right to dispute any information that is incomplete or unverifiable. I have attempted to resolve these inaccuracies through prior disputes, but TransUnion has failed to provide meaningful verification or supporting documentationsuch as original payment history ledgers or account contractsfrom the furnishers.

It is also worth noting that closed or paid accounts with XXXX balancesparticularly those several years oldshould not continue to negatively impact my credit profile if they are being misrepresented or are unverifiable. The ongoing presence of these late notations is unjust, misleading, and appears to serve no purpose other than to harm my consumer creditworthiness without merit.

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 2025-06-24 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 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 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 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 XXXXXX/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 2025-06-24 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: FL

Complaint narrative:
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 any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 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 of information, other than records of convictions of crimes which antedates the report by more than 7 years.

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 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 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
This law firm is handling a default judgment on an old XXXX charge card. The original balance was approximately {$2900.00} and has since grown to over {$4500.00} ( though the balance itself isnt the issue ). The main problem is the firm 's outdated and inefficient practices. They appear to rely solely on obtaining default judgments and passively waiting for payment. 

They are nearly impossible to reach. After finally getting someone on the phone, I was told they only provide payoff letters via traditional mail or faxno emailwhich is incredibly outdated and slow. Ive spent over XXXX hours on hold ( while listening to awful music ) just trying to obtain a payoff letter for my title company so I can close on the sale of my home and pay off all outstanding debts. 

This firm is actively delaying the closing process without any sense of urgency, all while interest continues to accrue daily. Ironically, the purpose of placing a lien on a property is to ensure they get paid when it sellswhich Im trying to dobut theyve already caused the closing to be delayed by at least a week.

Their online system is useful for payment plans, but completely unhelpful when it comes to paying the balance in full. There absolutely needs to be a better and more modern process for debtors to obtain payoff informationideally one that includes the use of email and electronic communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A fraudulent Macys credit card account was opened in my name without my authorization. I reported the account as identity theft to Macys in [ XXXX, XXXX, XXXX and XX/XX/year>XXXX  ], and the account was closed. However, Macys did not properly flag it as fraudulentthey closed it as if I had opened it voluntarily. 

As a result, the account is still reporting on my credit report as a legitimate account, which is damaging my credit history and implying I opened a line of credit that I did not authorize. 

I have contacted Macys multiple times to request that they : 1. Correctly mark the account as fraud/identity theft 2. Remove the account from all credit bureaus 3. Provide written confirmation of these actions They have refused to provide documentation and have not resolved the issue. 

I am requesting the CFPBs help in ensuring that Macys properly handles this as a case of identity theft and removes the fraudulent account from my credit reports.

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 2025-06-24 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: CO

Complaint narrative:
I am a victim of XXXX XXXX, and I have submitted all the necessary documents required under the Fair Credit Reporting Act ( FCRA ), as implemented by Regulation V, specifically 12 CFR 1022.142. This regulation prohibits credit reporting agencies from including adverse information in consumer reports that resulted from XXXX XXXX. 

I submitted this information to the Experian and Equifax credit reporting agency, and they have responded by stating they will remove the items as the law requires. Despite this, Experian and Equifax have not taken the necessary steps to remove these items. TransUnion has removed the information. 

I have been assisted by a nonprofit organization that has helped me navigate this situation, but I am now preparing to seek assistance from the Consumer Financial Protection Bureau, as I may need to pursue legal action due to these violations. If more documents or information are needed, I am willing to provide them. I am requesting assistance as the law entitles me to after going through this trauma.

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 2025-06-24 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXXXXXX XXXX XXXX credit report on XX/XX/year>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 report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
At the end of XXXX I opened up an XXXX XXXXXXXX XXXX XXXX through Barclays. The employee put my address in wrong so I never received the physical card. I called multiple times using the phone number and temporary card number and was hung up on frequently. I attempted to remedy this situation by calling repeatedly and was told different information. Then was asked to fax sensitive information to a random location and that there was no way for me to verify my identity. They said the fax would take 7-10 days, and then they would still need to issue another card before I could even pay my balance. Their system will not allow me to log in online and pay the balance and they stated there is nothing they can do. I called multiple times yesterday after receiving the statement and still no card. I had also called when I first made the purchase to pay off the card and they said I would have to wait for the card to come in the mail. I have been faced with hours on the phone and then getting hung up on while trying to find answers and pay this balance. I am extremely concerned about how this will impact my credit score. I am appalled by how unprofessional this company is and how much of a scam this is since they said I will incur late fines.

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