vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

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.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: IL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX claims to have validated an alleged XXXX credit card account ; however, their response does not constitute proper validation under the FDCPA. XXXX failed to provide a signed agreement, bill of sale, or chain of title showing lawful assignment of the debt from XXXX to XXXX. Instead, they provided generic account statements that do not prove ownership or authority to collect. Additionally, XXXX admits the debt is time-barred and not legally enforceable yet continues collection activity and credit reporting. This is a false and misleading representation of their legal right to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I changed my overdraft setting on my checking account ending in XXXX from Standard Overdraft to Auto-decline. Then on XX/XX/XXXX my account became overdrawn due to a low balance and an unauthorized transaction being withdrawn in the amount of {$500.00}. When I contacted USAA, they stated that my account ending in XXXX was set back to Standard Overdraft, I asked them how this happened and they could not figure it out, told me it must have been a " system error. '' USAA customer service representative also stated that if the Auto Decline was on, as it should have been, the transaction would have been declined and my account would not have been overdrawn. This was an error on the part of USAA and yet they aren't doing anything to fix the issue.

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 2025-12-29 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: MO

Complaint narrative:
I am submitting this complaint because Experian continues to report incorrect or unverifiable information on my credit file. 

1. Previous Address Please remove or update any incorrect previous addresses that are not connected to my verified current residence. 

2. Charged Off Accounts I am disputing the accuracy and ownership of the following accounts : XXXX XXXX XXXX, Acct # XXXX, Date : XX/XX/XXXX, Amount : {$960.00} XXXX XXXX, Acct # XXXX, Date : XX/XX/XXXX, Amount : {$120.00} XXXX XXXX XXXX, Acct # XXXX, Date : XX/XX/XXXX, Amount : {$210.00} XXXX XXXX XXXX, Acct # XXXX, Date : XX/XX/XXXX, Amount : {$2000.00} XXXX XXXX XXXX, Case # XXXX, Date : XX/XX/XXXX, Amount : {$0.00} XXXX XXXX XXXX, Acct # XXXX, Date : XX/XX/XXXX, Amount : {$700.00} These accounts appear to contain inaccurate information or can not be verified as mine. Please investigate each and remove or correct as necessary. 

3. Late Payment Reporting The following late payment entries are being disputed for inaccuracy or incomplete reporting : XXXX XXXX, Acct # XXXX XXXX  XXXX, Acct # XXXX XXXX  XXXX, Acct # XXXX Please review these accounts and correct or delete any erroneous late payment notations.

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Financial Institution : JPMorgan Chase Bank , N.A . 
Product : Checking account Issue : Problem with a transaction / dispute handling Claim number : XXXX Account ending in : XXXX Complaint Narrative I am submitting this complaint regarding JPMorgan Chase Banks handling of an ACH dispute and its failure to provide documentation supporting its claim determination. 

I disputed two ACH transactions totaling {$2500.00}. On XX/XX/year>, Chase sent me a written notice stating that it determined I had received partial credit of the disputed amount from the merchant/third-party/financial institution and that the funds would be removed from my account. 

However, I never received any credit, refund, adjustment, or returned funds related to these transactions to the account in question. 

I formally submitted a written request to Chase asking for the documentation used to support this determination, including ACH trace information, posting confirmation, and destination account details. Despite this request, Chase has not provided any response or supporting evidence. 

At this time : Chase has removed ( or indicated it will remove ) funds from my account Chase has not substantiated where or when the alleged credit was issued Chase has not responded to my written documentation request I am requesting CFPB assistance to require Chase to either : Provide documentation proving that the disputed funds were credited to me, including traceable transaction details ; or Reconsider the claim determination if such documentation can not be produced My complaint is based on Chases lack of transparency and failure to provide documentation supporting its decision, despite a formal written request. 

Resolution Requested Written documentation substantiating Chases claim that I received a credit OR Reconsideration of the claim determination if documentation can not be provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
These inquiries were not initiated by me and appear inconsistent with my financial history. I request immediate review and resolution. Supporting documents are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: UT

Complaint narrative:
I am writing to dispute the following accounts on my credit report that I believe contain inaccurate and incomplete information. Below is a detailed summary of the accounts in question, separated by bureau : Inquiries : XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have a Citibank XXXX XXXX credit card. Citibank sent a promotional email for a special CitiXXXX offer. The offer was for a 20x multiplier if you made a purchase on XXXX XXXX XXXX, XXXX, with one of the merchants listed. XXXX tickets was listed, I activated the offer, received confirmation that it was activated, purchased {$2500.00} worth of XXXX tickets on XX/XX/XXXX, within the required time frame but have never received the points credit. The offer was for 20x the normal promotional rate of 1.9 %, equating to 39 % cash back. The offer was for the ticket price only, not the XXXX fee. I should have received a credit of almost {$800.00}. As of this date, nothing has posted. 
I called Citibank, was given the run around numerous times, several of the representatives had no idea of the offer or the CitiXXXX program. On XX/XX/year>, I finally reached CitiXXXX at XXXX, talked with a representative, she had no idea about the 20x promotional rate, I asked to speak with a supervisor, explained the offer to him, he stated he was unsure of that offer, and would open a claim, escalate it, and I would have an answer within 10 days. He stated I would be able to see the claim online and monitor it. I checked every day for 10 days and nothing is listed. I called again, got the same run around, no one could find the claim. At this point, I can no longer work with Citibank on this issue. Countless hours on the phone, reps who have no idea what CitiXXXX is, no idea there was a special promotional rate, let alone a special CitiXXXX day. I have documentation of the offer, activation of the offer, and the purchase. I am requesting that the points be posted to my account as advertised. I met all of the requirements. Thank 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 2025-12-29 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: TX

Complaint narrative:
I requested a block of fraudulent information on my consumer credit report from TransUnion. TransUnion gave three reasons why my initial request was denied ; sense then I've provided a FTC Fraud Report that meets the requirements of the reasons for the initial denial. TransUnion has refused to block the information in accordance with United States Code Title 15, 1681C-2. The supporting documentation was received by TransUnion on XX/XX/year>, and IAW Title 15 should have been removed 4 business days after date of receipt. I spoke with a TransUnion supervisor named " XXXX '' and was told TransUnion is not an investigation agency and if I did not like the results of the dispute process I could file a complaint with the CFPB or my state Attorney General 's office.

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 2025-12-29 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: NJ

Complaint narrative:
I am writing to dispute the following information on my credit report. I believe these items are inaccurately reported and require immediate investigation and correction. 

Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX  XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : 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 2025-12-29 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following accounts that have been reported inaccurately on my credit reports. I request a thorough investigation into these accounts with the bureaus listed below. Please see the details for each bureau. 

CHARGED OFF Accounts : XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$450.00} XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$260.00} XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$660.00} XXXX  XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$210.00} LATE PAYMENT 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Dear Friends, Please see the attached prior complaint for reference. 

My XXXX funds have not been returned to my account, and as a direct result of this unresolved issue, my credit score has declined significantly due to missed or late credit card payments that were not my fault. 

I have since learned that other consumers have reported similar experiences involving payments sent from XXXX accounts to credit cards at other financial institutions that were delayed, missing, or incorrectly processed. These reports describe issues such as ACH processing errors, unexplained delays, or posting failures that caused payments to appear unreceived, leading to credit harm and customer confusion. 

This suggests the issue may not be isolated and warrants further investigation. I am requesting the immediate return of my funds, correction of any negative credit reporting, and a clear written explanation of what occurred.

Common Types of Complaints Reported by XXXX Customers 1. Payments appearing missing or not showing up yet Some users reported making a payment from an external bank to their XXXX credit card and then seeing it not reflected or marked as didnt receive payment in the XXXX app even though it was still pending and later showed up. 
XXXX XXXX. Transfers showing as pending but not posting immediately There are cases where people paid on or near their due date and it showed pending for a while, leading to confusion about whether it was received on time. 
XXXX XXXX. ACH or external transfer glitches and delays Some users have posted about external transfers being delayed, returned, or cancelled without clear explanation which can make payments seem like they never arrived. 
XXXX XXXX. Auto-payments bouncing or getting returned At least one report showed scheduled auto-payments being cancelled/returned, then mysteriously marked as accepted which added confusion about whether the creditor received the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: GA

Complaint narrative:
I am writing to dispute several items on my credit report. Below are the accounts in question, separated by bureau. The items I am disputing include charged-off accounts, inquiries, and late payments. 

I dispute the following accounts on my Experian report : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-29 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management , Inc . 
Attn : XXXX XXXX XXXX Department XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, CA XXXX Re : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX MCM Account No. : XXXX Account Ending : XXXX To Whom It May Concern, I am writing regarding Midland Credit Managements response to my written dispute and request for validation concerning the above-referenced account. 

While I acknowledge receipt of a XXXX XXXX notice stating that the account was sold on or about XX/XX/year>, that document alone does not satisfy Midlands validation obligations under 15 U.S.C. 1692g ( b ). A sellers transfer notice does not constitute verification of a debt collectors authority to collect a specific account, nor does it establish an unbroken chain of title linking the consumers account to the collector. 

Despite this, Midland verified and/or continued reporting this account to consumer reporting agencies without producing any account-level documentation, such as a bill of sale, purchase agreement, or account-specific assignment evidencing Midlands legal right to collect this debt. 

Courts have repeatedly held that internal summaries and generalized ownership assertions are insufficient where the debt has been purchased and the consumer timely disputes the obligation. Credit reporting constitutes collection activity, and continued reporting without proper validation violates the FDCPA. 

Accordingly, Midlands conduct constitutes violations of, at minimum : 15 U.S.C. 1692g ( b ) ( continued collection activity without proper validation ) ; 15 U.S.C. 1692e ( 2 ) ( A ) and 1692e ( 10 ) ( misrepresentation of the legal status and character of the debt ) ; 15 U.S.C. 1681s-2 ( b ) ( failure to conduct a reasonable investigation following dispute ), if applicable. 

These violations are complete and actionable regardless of any subsequent deletion or update to reporting. 

I am willing to resolve this matter without litigation. To that end, I will accept {$2000.00} in full settlement of all claims arising from Midlands conduct, in exchange for a written release. 

Please respond in writing within 15 days of receipt of this letter. Absent resolution, I am prepared to refer this matter to counsel for enforcement of my statutory rights, including damages, costs, and attorneys fees. 

This correspondence is sent without waiver of any rights or remedies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation