vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
This complaint is not a mistake. Multiple accounts on my credit report are inaccurate and fail to meet the maximum possible accuracy required by the FCRA ( 15 U.S.C. 1681e ( b ) ). These erroneous entries are materially misrepresenting my financial history, damaging my creditworthiness, and causing ongoing emotional and financial hardship. I take my credit seriously, and these persistent inaccuracies are creating tangible negative consequences during an already difficult time.

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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding a disputed transaction ( dispute # XXXX ) that my financial institution failed to properly investigate and resolve. 

I reported the disputed transaction to the bank within the required Reg E timeframe and followed all dispute procedures as instructed. I provided all requested information and cooperated fully with the banks investigation. The transaction was unauthorized in the amount of {$940.00} and/or incorrect and should have been credited back to my account under applicable consumer protection laws. 

Despite this, the bank denied my dispute without providing clear evidence that the transaction was authorized. The bank did not explain how its investigation complied with the Electronic Fund Transfer Act ( EFTA ) and Regulation E, nor did it provide documentation supporting its determination. I believe the bank failed to conduct a reasonable investigation and did not act in good faith. 

As a result of the banks decision, I have suffered financial loss and unnecessary hardship. I am requesting that the bank properly review this dispute, provide a detailed explanation of its findings, and reimburse the disputed amount if it can not prove the transaction was authorized and valid. 

I am asking the CFPB to review this matter and assist in ensuring the bank complies with applicable consumer protection regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly damaged both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honored, as the inquiries remain on my report. This failure to act is unacceptable. The continued presence of these unauthorizedand potentially fraudulent inquiries is extremely alarming and raises serious concerns about identity theft. Your lack of resolution is causing ongoing emotional and financial harm.

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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: DE

Complaint narrative:
Was incorrectly issued new credit card after a disputed charge, new card was issued but without access in online banking or via phone call, was unable to use card and access credit and was charged late fees, which pnc refused to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This complaint is a continuation of my previous CFPB complaints XXXX and XXXX, which were closed pending a police report. I now have the police report number : XXXX. 

A fraudulent charge totaling {$26000.00} was made on my American Express account. I did not authorize this charge, did not receive any merchandise, and this activity constitutes financial coercion and theft by false pretenses, as documented in my police report. 

Out of fear and pressure, I made payments toward this fraudulent charge, but I do not owe this debt and should not be held responsible. Additionally, this fraudulent activity has negatively impacted my credit score. 

I have previously notified AMEX, requested verification of the charge, and asked for removal. AMEX has not resolved the issue, removed the charge, or provided proper confirmation of any actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
On XX/XX/year>, I received XXXX calls from TSI. This is in clear violation of the FDCPA. On call # XXXX, I was finally able to answer the calls. I requested the representative I spoke with to cease these harassing phone calls and to make all further communication in writing via mail, as XXXX calls per day is, as I mentioned, violation of FDCPA. The representative hung up on me during the call, which is extremely unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I recieved a letter of a debt of XXXX from National Credit System. My Wife and I asked through mail for them to certify the debt and for an itemized list of the debt balance. We havent received any response through the agency but they are reporting against us even though the validity for the debt is showing as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
Continue calls after late at night. Early mornings. Ive asked them to stop or blacked their calls and they keep calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: U.S. BANCORP
State: AR

Complaint narrative:
XXXX XXXX BANK, I sent infor that was ask form about my claim and its been 30 days of more and i been calling and they dont have no information

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 2025-12-08 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: NY

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX PL XXXX, NY XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Experian, I am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Experian. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data. 

Disputed Account Details : XXXX. XXXX XXXX XXXX XXXX. XXXX CARD XXXX XXXX. XXXX CARD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX FED XXXX XXXX XXXX XXXX. XXXX XXXX XXXX {$460.00} XXXX. XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX This account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including : - Copy of ID - SSN - Proof of Address According to the FCRA, you are required to investigate my dispute within XXXX  days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, debt XXXX and creditors must report accurate information and correct or delete incorrect data promptly. 

Request for Action : XXXX. Remove or Correct the Inaccurate Account : Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus. 
XXXX. Provide a Written Response : I expect a written acknowledgment of your receipt of this dispute within five ( 5 ) business days, and a final resolution within the legally mandated timeframe. 
XXXX. Notify the Bureaus : If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly. 

Failure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the State Attorney Generals Office. 

XXXX Notice : Please be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions. 

Thank you for your prompt attention to this matter. Please send any responses or updates to XXXX. 

Sincerely, 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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
The debt that is being claimed against me is unlawful and unconstitutional.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
Ive noticed fraudulent accounts reporting to my credit file without my 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
Consumer complaint received 2025-12-08 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:
Ive noticed fraudulent accounts reporting to my credit file without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I received a letter that I opened XX/XX/XXXX midland credit had taken over my XXXX credit card debt. The letter was threatening and stated they were suing me. This was the first Id heard of them and this debt. I had no phone calls, texts or previous contact with them and no mail I ever saw from a midland credit. When I first saw this letter I thought it was fraud, so I did some research as I was very intimidated by their letter. I was able to finally find the correct midland and reach out to them. I messaged for a while trying to resolve the debt, I tried to settle they wouldnt settle they told me if I didnt pay they were suing me, and would be garnishing wages, XXXX. I finally got the woman I spoke to do a payment plan to resolve it, I paid {$530.00} to start, and monthly it was agreed I would pay XXXX XXXX monthly moving forward and this would stop the judgment and lawsuit. So I paid the money despite it being all I had, and paid my second payment. Well I received in XX/XX/XXXX a summons to court filed by midland credit on XX/XX/XXXX AFTER I had made arrangements with them. I know have a court summons despite coming to an agreement with them. The summons also shows no evidence except bills from XXXX directly, no evidence of them every reaching me. The summons showed that I owed a full {$3700.00} which is completely inaccurate. They submitted documents that show no payments from me. My midland log in shows {$2900.00} balance yet they filed in court for more. I tried to reach midland and received no help, only them telling me if XXXX cant pay in full they will still keep the judgment and summons in place despite my agreement to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
These accounts are fraudulent and not authorized by me ; therefore, I am requesting their immediate deletion from my credit report. Pursuant to USC XXXX, please remove them within XXXX  days. Supporting evidence is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX, TX XXXX\n\nSubject: Dispute of Inaccurate Information on My Credit Report\n\nDear Experian,\n\nI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Experian. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.\n\nDisputed Account Details:\n\XXXX. XXXX XXXX XXXX XXXX XXXX\XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:\n\n-\tCopy of ID\n-\tSSN\n-\tProof of Address\n\nAccording to the FCRA, you are required to investigate my dispute within XX/XX/XXXXdays of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.\n\nRequest for Action:\XXXX. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.\XXXX. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within XXXX  (XXXX) business days, and a final resolution within the legally mandated timeframe.\n3. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.\n\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.\n\nLegal Notice:\n\nPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.\n\nThank you for your prompt attention to this matter. Please send any responses or updates to XXXX.\n\nSincerely,XX/XX/XXXX'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MS

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 XXXX ( 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 2025-12-08 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: FL

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, authorized, or managed these accounts. This is unacceptable and constitutes a serious misrepresentation of my financial history. I take my credit profile extremely seriously, and the appearance of these unauthorized accounts is alarming and unacceptable. I require an immediate and detailed explanation as to why these accounts are appearing on my report and who is responsible for reporting them.

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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/year> my autopay payment for my Capital One Platinum Credit Card declined due to " insufficient funds. '' This was an honest mistake of me not transferring the funds to the correct account. As a result I was charged a {$50.00} fee. 
Today XX/XX/year> I resolved the balance and contacted Capital One to request a one-time courtesy fee reversal. I explained that this was a rare error, that the withdrawal has caused me a financial hardship, and that it is XXXX weeks before XXXX and I needed the funds for essential expenses and for my child. Despite this, I was denied by multiple representatives, who said they would not provide any reversal because I had previously received XXXX in the past? But then they told me they could not confirm nor deny if this is the reason for the denial. I actually was not given any reason, despite asking. 
I believe this is unfair treatment. This was not a pattern of missed payments, it was a XXXX single timing issue. The refusal to reverse even XXXX fee has created significant financial hardship. 
I am asking the CFPB to review this matter and request that Capital One provide a courtesy adjustment for the {$50.00} late fee, I have acted in good faith to resolve the balance, and I am simply requesting fair consideration and relief from a charge that has caused unnecessary hardship. 
I am a single mother and I work very hard to be caught up and in good standing. It's XXXX weeks before XXXX, this isn't a reoccurring event on my credit cards. 
All I ask is that XXXX fee be removed, as a long time loyal customer.

Company response to consumer: Closed with explanation