vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Hi, I came to the XXXX on XXXX XXXX with a valid XXXX XXXX I have tried to make multiple purchases at stores but my application for credit cards have been rejected several times, although I submit all the correct information ( i.e. rent, income, SSN ). I am unsure why I can not be granted a credit report either. 
Please investigate. 
Regards, 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 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign agreement on. A legal contract is signed by two parties, and I did not participate in any of it. They did not follow the proper 5 step validation procedure. According to the FDCPA. I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account is taken off immediately. 

XXXX XXXX Acct # XXXX {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602, 609, and 611. TransUnion is reporting inaccurate, incomplete, and unverifiable information that fails to meet XXXX XXXX compliance standards. Under Section 611, unverifiable data must be promptly deleted. Furthermore, TransUnion was involved in a major data breach, making the accuracy of its reported data questionable. I am demanding an immediate investigation and deletion of all unverifiable information within XXXX ( XXXX ) days as required by law. 

XXXX. I was never late on the payment and here i can see multiple late payment being reported. 
XXXX Account XXXX : XXXX Please correct/update this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
b'U.S. Bank denied my two fraud claims for XXXX  transfers totaling $XXXX  by stating that the transactions were already reported and investigated. This is a procedural denial, and U.S. Bank did not conduct a full investigation under Regulation E nor review the evidence of impersonation fraud.\n\n\n\nA scammer impersonated a XXXX  employee using forged emails and dealership contact information. My son interacted with the scammer in good faith on my behalf. XXXX  confirmed these emails were fraudulent, and I filed an FBI IC3 report.\n\n\n\nInstead of evaluating this evidence, U.S. Bank closed the claims by marking them as duplicates. This violates:\n\n12 CFR 1005.11 (failure to conduct a reasonable Reg E investigation)\n\nCFPB XXXX XXXX  (fraud-induced transfers are unauthorized EFTs)\n\nReg E commentary on misclassification of claims\n\n\n\nU.S. Bank never addressed the fraud, impersonation, misrepresentation, or my documentation. They did not classify the transfers under Regulation E nor provide a substantive explanation.\n\n\n\nClaim Numbers:\XXXX XXXX XXXX XXXX XXXXI am requesting a full Reg E investigation and reimbursement for both unauthorized EFTs.'

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 2025-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: FL

Complaint narrative:
I contacted EdFinacial about my student loan. I spoke with them telling them the school i went to has been closed since 2010 and I was XXXX XXXX XXXX XXXX XXXX. They said to fill out a form to have it discharged and they denied my request saying I was to late. But the department of education says there's no time limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: SC

Complaint narrative:
SECURITYCRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SECURITYCRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
In early XX/XX/XXXX, I opened a new checking account at the Citizens Bank XXXX XXXX XXXX. The banker clearly informed me during account opening that I would receive a {$400.00} promotional bonus after completing approximately {$1000.00} in direct deposits. I completed all required direct deposits. 

A few days after opening the account, the banker told me that he had forgotten to apply the promotion to my account, even though he had verbally confirmed the promotion at the time of opening. This was the banks mistake. 

Because of this, I contacted Citizens Bank online support. The online representative acknowledged that this was their error and assured me that if I did not receive the {$400.00} bonus by XX/XX/XXXX, Citizens would manually credit the {$400.00} to my account. 

After XX/XX/XXXX, I reached out again, but Citizens Bank repeatedly delayed the issue. Each time, they asked me to provide different information, gave me different case numbers, switched me between chat and email, and avoided giving any clear or final answer. Despite multiple attempts, the bank has not honored the {$400.00} promotional bonus that was promised at account opening and later guaranteed again by online support. 

Citizens Bank : - Confirmed the promotional offer at account opening- Admitted the bankers mistake in failing to apply the promotion - Promised to manually credit the {$400.00} by XX/XX/XXXX - Has still refused to issue the bonus and continues to delay without resolution This has caused financial harm and is misleading and unfair to me as a consumer. I am requesting CFPB assistance because the bank is not honoring the advertised and promised promotional terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TN

Complaint narrative:
Subject : Inaccurate Late Payments Reported by Equifax for XXXXXXXX XXXX XXXX XXXX  Account I am filing a complaint regarding inaccurate and harmful credit reporting on my Equifax credit report related to an account listed as : Creditor : XXXX XXXX XXXX XXXX Highest Balance : {$1000.00} Reported Balance : {$0.00} Date Opened : XX/XX/XXXX Term : 6 Months Last Reported : XX/XX/XXXX Account Status : Paid in full ( 100 % of loan repaid ) Issue Being Disputed Equifax is reporting late and derogatory payments for this account for : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These entries are false, misleading, and not supported by my payment history. 

Facts 1. This loan was paid in full, as shown in the credit report screenshot ( Youve paid off 100 % of this loan ).

2. The account shows {$0.00} balance and no outstanding amounts due.

3. At no time did the creditor notify me of any missed or late payment.

4. The payment history reported by Equifax is contradictory, showing months of on-time payments followed by inaccurate Late and Derogatory indicators.

5. These false late payments are damaging my credit score and causing financial harm. 

Why the Reporting Violates the FCRA Under the Fair Credit Reporting Act : FCRA 602 ( a ) requires consumer reporting to be fair and accurate.

FCRA 607 ( b ) requires Equifax to maintain maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) requires inaccurate information to be corrected or deleted.

Furnishers must not report information they knowor should knowis inaccurate ( FCRA 623 ( a ) ( 1 ) ). 

Because I never paid late, and the account was paid in full, there is no lawful basis for Equifax to report late or derogatory statuses. 

Requested Action I am requesting that the CFPB require Equifax to : 1. Remove all false late/derogatory payment histories associated with this account immediately.

2. Correct the payment history to reflect accurate, on-time payments.

3. Provide a complete verification from the furnisher, including documentation proving any alleged late paymentif none exists, Equifax must delete the inaccurate entries under the FCRA. 

Evidence Submitted I have attached a screenshot from my credit report showing : {$0.00} balance Account fully paid Incorrect Late and Derogatory markers being reported No factual basis for any delinquency Summary This is a clear case of inaccurate credit reporting. I have never been late on this account, and Equifax is reporting false derogatory information that is harming my credit profile. I request immediate correction through CFPB oversight. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson Mark LLC
State: OR

Complaint narrative:
I have an active payment plan with Johnson Mark LLC for account XXXX. On XX/XX/year> my bank confirmed that the agreed-upon payments of {$250.00} were drafted from my account. 

However, when I contacted the debt collector to verify the payments, they stated that they do not have the payments, even though the funds were withdrawn from my bank account. I provided the representative with the exact amounts and dates, but they continue to deny receiving the payment. 

My bank has confirmed : The payments were successfully drafted. 
The funds were sent to the merchant. 
The transactions have ACH trace numbers Despite this, the debt collector refuses to locate the funds or update my account balance. It would be a false and damaging credit report entry. I have attempted to resolve this directly, but the agency refuses to investigate or escalate the issue. 

This situation has caused unnecessary stress and appears to be a failure by the collector to properly credit my payments, which violates the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) accuracy requirements. 

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 explanation
Consumer complaint received 2025-12-02 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to express the extreme frustration and distress caused by discovering an unverified debt on my credit report that I have no knowledge of or association with. 
This situation has led to relentless harassment through various communication platforms using multiple tactics, including threats of legal action, which is deeply insulting and a violation of my consumer rights as a law-abiding citizen. 
The ongoing harassment is severely impacting my mental health, resulting in sleepless nights and significant emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TN

Complaint narrative:
ON XX/XX/year> my CHIME ACCOUNT WAS CLOSED DOWN AND I WAS NEVER GIVEN MY FUNDS OFF MY ACCOUNT NOR WAS I ABLE TO DISPUTE TRANSACTIONS THAT I DIDNT COMMUTE IVE BEEN CALLING NONE STOP BEGGING THEM TO RELEASE MY FUNDS.. BUT THEY SAY LONG AS I CANT ACCESS THE EMAIL ON FILE TO DO A VERIFICATION PROCESS. THEY WANT BE ABLE TO HELP ME SO ON XXXX I SENT ALL MY DOCUMENTS OVER TO CHIME TO THE ADDRESS ON THE WEBSITE THROUGH A OVERNIGHT PROCESS THROUGH FEDEX WHICH THEY RECEIVED AT XXXX XXXX XXXX BUT IM STILL NOT ABLE TO GET MY MONEY OR RECEIVED ANYTHING DIFFERENT FROM THESE THEIVES Can I PLEASE HAVE MY MONEY AND HAVE ALL TRANSACTIONS DISPUTED FROM MY ACCOUNT I HAVE SENT PROOF OF IDENTIFICATION OF WHO I AM NEXT I WILL BE FILING A LAWSUIT BECAUSE THIS IS LOWDOWN, ITS THEFT OF PROPERTY AND IT IS CERTAINLY UNACCEPTABLE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have XXXX XXXX XXXX on my bureau in error and realized this derogatory credit card from XX/XX/year> is not my account with JPMCB. I am requesting a full investigation under the Fair Credit Reporting ACT ( FCRA ). Please remove this unverifiable item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: Block, Inc.
State: KY

Complaint narrative:
XXXX XXXX placed a hold on my cash app account for XXXX. XXXX XXXX made a mistake swiping the card because I paid cash for the hotel room. XXXX XXXX said they reversed the money abd that it should go back into my account. However I believe XXXX XXXX. The problem is that cash app says there going to hold that money fir XXXX  days for no reason. If XXXX XXXX released it why can't cash app release the money to me. I saved that money fir the holidays and they decided to hold it for thirty days. And it could be longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Fake debt collection statement, stating I owe {$980.00} for a fraudulent medical claim. 

XXXX XXXX, a DebCollector. 

Callback number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the accuracy and completeness of certain accounts listed on my credit reports from the three major credit bureaus : Equifax, XXXX XXXX XXXX These accounts have been reported inaccurately and are affecting my credit score. Below are the details of the accounts in dispute : Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} Late Payments : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NV

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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