vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
On XX/XX/2025, I mailed a formal debt validation dispute letter to National Credit Systems regarding an alleged apartment/eviction debt being reported under my name ( SSN ending in XXXX ). As of XX/XX/2025, I have received no response or documentation of any kind. I am not even sure if this company is using the correct address for communication, but regardless, they have failed to comply with federal law requiring a response. 

This company is reporting highly damaging information on my credit without providing any validation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, furnishers of information must investigate disputed accounts. Under 15 U.S.C. 1681s-2, they are prohibited from furnishing information that can not be verified. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), debt collectors must cease collection activity until proper validation is provided. 

National Credit Systems has failed to provide : A wet signature lease agreement with my name and signature. 

A signed authorization proving I agreed for this account to be placed into collections with their company. 

A chain of custody/assignment of debt from the original creditor. 

Itemized breakdown of charges. 

Proof that they are even licensed to collect in my state. 

Instead, they are holding my private and personal information ( including my Social Security number ) without my authorization. This raises additional violations under the Gramm-Leach-Bliley Act ( 15 U.S.C. 68016827 ) and FCRA, 15 U.S.C. 1681b, as they have not shown any lawful reason to possess or share my data. 

I am tired of waiting for validation through mail and demand that this issue now be addressed directly through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
In XXXX and XX/XX/year>, I submitted disputes for two small Patreon charges, each under {$15.00}, made to my Robinhood Credit card. While these disputes are still pending, the process has already proven to be excessively burdensome and inefficient.

Robinhood Credit required me to provide multiple rounds of documentation and answer repetitive, unnecessary questions, even for these minor transactions. The process is far more time-consuming and opaque than what Ive experienced with other premium credit card issuers.

Although these specific disputes have not yet been resolved, I want to highlight a pattern of behavior : in the past, Robinhood Credit has denied valid disputes without clear justification, despite my full cooperation and submission of all requested materials. These past denials appeared to be made in bad faith, and I believe they may have violated the Fair Credit Billing Act, which requires creditors to conduct fair, timely, and transparent investigations.

Robinhoods dispute process feels designed to discourage consumers from exercising their rights, and I am concerned that this pattern may continue with my current disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: UT

Complaint narrative:
Credit score is vastly different across the XXXX businesses. Experian keeps old information that is inaccurate, advised this in multiple disputes over the last XXXX  months. Also tried to get aliases of my credit report from Experian. Advised that I can not remove personal information due to verification to that information. Please advised credit score is an XXXX point difference between all three. Disputed this with Experian and Equifax. XXXX  is correct on all accounts and score, but Equifax and Experian is not.

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 2025-08-23 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:
Credit score is vastly different across the XXXX businesses. Experian keeps old information that is inaccurate, advised this in multiple disputes over the last XXXX  months. Also tried to get aliases of my credit report from Experian. Advised that I can not remove personal information due to verification to that information. Please advised credit score is an XXXX point difference between all three. Disputed this with Experian and Equifax. XXXX  is correct on all accounts and score, but Equifax and Experian is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
Dear SOFI Bank, am writing to formally dispute several unauthorized transactions that have appeared on my SOFI Bank account. I have previously disputed with you all and you failed to provide me with a provisional credit in the total amount I previously disputed {$2000.00} and I reviewed my bank statements from XXXX XXXX XXXX thoroughly and have concluded that none of these transactions were authorized by me nor was I ever in possession of my debit card at these times or dates. Per the Electronic Funds Transfer Act ( EFTA ), I am entitled to a prompt investigation and resolution of this matter. I am requesting that SOFI Bank conduct a proper investigation into these unauthorized transactions and provide me with a full refund of the disputed amounts. Additionally, I expect reimbursement for any associated fees or charges or charges incurred as a result of these unauthorized transactions. I understand that under Regulation E of the Electronic Funds Transfer Act, SOFI Bank is required to provisionally credit my account within 10 business days of receiving my dispute which you have failed to do so, pending the outcome of the investigation. Failure to comply with these regulations may result in further action, including but not limited to filing a lawsuit against your bank. Please acknowledge receipt of this dispute within 5 business days and provide me with a timeline for the investigation process by mail only. I would like to be reached by mail only at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  IL XXXX to discuss this matter along with an update through the CFPB. Thank you for your prompt attention in regards to this concerning matter. I trust that SOFI Bank will resolve this dispute in a timely manner and in accordance with the applicable regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: AL

Complaint narrative:
I sent a letter to Bureaus regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over XXXX days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within XXXX  days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
Dear CFPB, I am filing a complaint against Lloyd & McDaniel , PLC, a debt collection agency, website https : //lloydmc.com/ for refusing to offer a reasonable payment plan for a debt they are attempting to garnish. Despite my repeated attempts to negotiate an affordable repayment schedule, citing financial hardship, the agency has been uncooperative and proceeded with garnishment actions. The garnishment case is closed and the debtor contacted my employer to freeze my assets. I have specific timestamps of reaching out to the case owner, XXXX XXXX, at XXXX and via phone 5 times in XXXX, 6 times in XXXX. The amount original debt principle of XXXX has ballooned to XXXX due to accursed interest and court fees. I believe this violates fair debt collection practices under the FDCPA, as they have not engaged in good-faith negotiations. I have documented all communications, including, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where they dismissed my requests. Please investigate this matter and assist in resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-23 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Dear CFPB, I am filing a complaint against XXXX XXXX XXXX XXXX XXXX, a debt collection agency, website XXXX XXXX XXXX  for refusing to offer a reasonable payment plan for a debt they are attempting to garnish. Despite my repeated attempts to negotiate an affordable repayment schedule, citing financial hardship, the agency has been uncooperative and proceeded with garnishment actions. The garnishment case is closed and the debtor contacted my employer to freeze my assets. I have specific timestamps of reaching out to the case owner, XXXX XXXX, at XXXX and via phone 5 times in XXXX, XXXX times in XXXX. The amount original debt principle of XXXX has ballooned to XXXX due to accursed interest and court fees. I believe this violates fair debt collection practices under the FDCPA, as they have not engaged in good-faith negotiations. I have documented all communications, including, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where they dismissed my requests. Please investigate this matter and assist in resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I was a victim of identity thef while serving XXXX  years in federal prison. 
Several accounts we're open in my name unauthorized Including Citi Cards/Citibank , Account number : XXXX. This complaint is related to the following complaint number : XXXX. FOR " CITICARDS/CBNA '' ACCOUNT ONLY...

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CreditNinja Lending, LLC
State: LA

Complaint narrative:
On XX/XX/year> I took out a {$690.00} installment loan from Credit Ninja XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ). The loan carried an APR of XXXX XXXX and required repayment of {$1400.00}. I have already repaid all but {$440.00}, which means I have paid nearly double the original principal. 
Despite this, the company is still reporting the account as Past Due on my credit. My Credit Ninja portal even shows Past Due {$0.00}, which is inconsistent and misleading. I requested a full payment history and an explanation of their reporting, but the company has never provided this information.

I believe this account is being reported inaccurately in violation of the Fair Credit Reporting Act. I also believe the interest rate charged violates Louisiana usury laws, since neither Credit Ninja XXXX XXXX XXXX XXXX  is licensed with the Louisiana 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 2025-08-23 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:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$320.00} Account name : XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$12.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$640.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$580.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$810.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$990.00} Account name : XXXXXXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$36000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: MO

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a XXXX-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a XXXX-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Complaint to CFPB Loan Servicing Misrepresentation and Improper Credit Reporting Company : XXXX XXXX XXXX XXXX XXXX Issue : Loan servicing abuse ; inaccurate credit reporting during deferment Details of Complaint : I am filing a complaint against XXXX XXXX and its servicer, XXXX XXXX regarding improper handling of my private student loan. 

My loan is currently in an approved deferment status until XX/XX/year>. During this deferment, I was explicitly told that no payments would be due and that I would not be billed until the deferment ended. 

However, on XX/XX/year>, I received a notification from XXXX showing that the reported balance of my XXXX account increased by {$280.00}. This increase occurred despite my loan being in deferment, and it has been reported to the credit bureaus as an increased balance. 

This action is misleading and potentially harmful for the following reasons : It contradicts the deferment terms, under which no billing or balance capitalization should occur until deferment ends. 
It creates inaccurate information on my credit report, harming my credit profile. 
It reflects a pattern of loan servicing abuse and misrepresentation, as the servicer is not accurately honoring the agreed terms. 

I am requesting that the CFPB investigate XXXX servicing and credit reporting practices. Specifically, I ask that : XXXX XXXX immediately correct this error and remove any improper balance increases reported during the deferment period.

2. My credit report be corrected to reflect the proper deferment status.

3. The company be held accountable for misrepresenting loan terms and causing consumer harm.

I am attaching screenshots of my XXXX credit alerts that document the balance increase and can provide supporting documentation regarding my deferment approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
On XX/XX/year> I went inside of the banks branch and made a check deposit into my account for the amount of {$20000.00}. The teller informed me that there would be a hold on the funds, but {$6400.00} would be available XX/XX/year> after XXXX. That day and time came and went but deposit was not in my account. On XX/XX/year>, I call the banks XXXX number and spoke with an agent that informed me I had to go back inside the banks branch and let them know that the money was not available to me and that they could release the funds. I went to the bank and told the teller what the lady from customer service told me. The teller said that the bank decided to place a hold on the entire check amount because it was for a large amount and insisted that there was nothing he could do. I asked him why didnt I receive an email or communication about this extended hold, but he could not answer that. He expressed that the bank usually contacts the customer and I told him they didnt contact me. I also expressed to him that because they didnt release the {$6400.00} would put me in a bind with people and bills that I had made arrangements to pay. The teller was acting sympathetic but I wasnt buying it. He gave me a different XXXX number to call to see if they could help with the situation. I called that number and still was denied the hold being lifted and was not given an explanation for why I wasnt contacted about the hold being extended.

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