vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
15 USC 1602g2 states that there was no evidence of indebtedness, and no agreement was provided. Please provide proof with wet signature. If it can not be provided, please remove immediately.

I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline. If not please delete immediately.

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank closed my account on XXXX and I have a call with them they said I need to wait for one month for sending a check to me. After one and half month, I still havent received the check. So I call them send me a new one to my new address. They promised they will. But the letter I got is they are in the process of investigation.

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 monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
I am submitting this complaint because the same alleged account is being reportedXX/XX/XXXX by XXXX different furnishersonce by the original creditor and again by a third-party debt collector. Both are reporting negative data for the same debt, which is misleading, inaccurate, and severely damaging to my credit reputation. 

This duplicate reporting violates multiple sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Under FCRA XXXX ( b ) and XXXX, furnishers and consumer reporting agencies must maintain procedures that assure maximum possible accuracy. Reporting the same debt twice as if they are separate obligations is not only inaccurate but also deceptive to potential lenders. 

Additionally, under FDCPA XXXX ( XXXX ) ( A ) and XXXX ( XXXX ), it is a false and unfair practice to represent the same debt as multiple separate obligations or to attempt to collect amounts not expressly authorized by contract or law. Neither party has provided me with a properly executed agreement, chain of assignment, or proof of ownership as required under FDCPA XXXX ( b ). 

This inaccurate reporting has caused significant harm, including credit denials, increased loan rates, and emotional distress. It appears no reasonable investigation was conducted despite prior disputes, and both entities continue to furnish duplicate derogatory data in violation of FCRA XXXX ( b ). Such duplicative reporting is also a deceptive practice under XXXX CXX/XX/XXXXe XXXX ( XXXX ) and must be permanently deleted to restore data accuracy and compliance with federal law. I am requesting CFPBs intervention to ensure this duplicate, unverifiable account reporting is permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: LA

Complaint narrative:
I, XXXX XXXX XXXX, am filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) by the national credit bureaus and various furnishers for continuing to report inaccurate, inconsistent, and unverifiable information on my credit reports. 

Despite previous disputes and requests for correction, the following issues remain unresolved : XXXX XXXX XXXX XXXX XXXX, LA and XXXXXXXX XXXX XXXX, XXXX, LA. 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXXXXXX & XXXX ) XXXX Fin XXXX XXXX XXXX ) XXXX  XXXX Bankruptcy ( Ref # XXXX, filed XX/XX/year> )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
On XX/XX/year>, I purchased three XXXX tickets through Flights Channel using my American Express card. I used the outbound flights in XX/XX/year>, but my return flights in XX/XX/year> were lost after XXXX  website showed a message : Your seat has been changedrequest a refund. I never requested a cancellation. 

XXXX  policy states refunds for third-party bookings must go through the agency, not XXXX. Yet they processed a small refund of {$140.00} and reported to Amex that I requested it. Their own record ( XX/XX/year>, ref. XXXX ) lists the reason as I was downgraded, confirming it was not voluntary. 

Amex first closed my disputes without a written decision, then closed them again saying no response received, even though I had uploaded full documentation ( XXXX refund record, policy, screenshots, and receipts ). On XX/XX/year> Amex told me by phone they never received or reviewed my evidence before closing. This violates their duty to conduct a reasonable investigation under the Fair Credit Billing Act ( Reg. Z 1026.13 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XX/XX/XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XX/XX/XXXXdays, they should be promptly removed from my credit report. Since it has been over XX/XX/XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc.
State: AL

Complaint narrative:
This is the first time I have ever been made aware of any alleged debt connected to Complete Credit Solutions or the listed original creditor, XXXX XXXX. I have never received any billing statements, validation notices, or collection letters from either companyat my current or previous addressbefore this item suddenly appeared on my credit reports.

Under FDCPA 1692g ( a ), a debt collector must provide written notice of the debt, the name of the creditor, and the consumers right to dispute within five days of any initial collection attempt. No such notice was ever received, making this reporting activity unlawful. Reporting a debt to credit bureaus without first providing the required validation notice violates both the FDCPA and the FCRAs duty of accurate and lawful furnishing under 1681e ( b ) and 1681s-2 ( b ).

The alleged balance of {$2000.00} has never been explained, itemized, or supported by any documentation. No contract bearing my signature, account history, or chain of assignment has been produced. Continuing to furnish unverifiable and unvalidated data after receiving a written dispute constitutes willful noncompliance under FDCPA 1692e ( 2 ) ( A ), 1692f ( 1 ), and 1692g ( b ) and FCRA 1681e ( b ) and 1681i.

The lack of notice and failure to provide basic due process have caused harm to my credit, my ability to secure financing, and my emotional well-being. Complete Credit Solutions has acted without transparency or legal authority, and its ongoing furnishing of this data is false, misleading, and unlawful.

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 2025-11-11 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 submitting to formally dispute several inaccuracies on my credit report that misrepresent my personal information, account history, and credit inquiries. These inaccuracies are concerning, as they do not reflect my actual financial activity or residential history. I respectfully request a thorough investigation and correction of any unverifiable information. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Under FCRA 623 ( a ) ( 5 ), the furnisher has a duty to report accurate information, including Dates of First Delinquency ( DOFD ). I request verification of the accounts existence, the original balance, and any supporting documentation that justifies this items. If the account can not be verified, it should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
I am submitting to formally dispute several inaccuracies on my credit report that misrepresent my personal information, account history, and credit inquiries. These inaccuracies are concerning, as they do not reflect my actual financial activity or residential history. I respectfully request a thorough investigation and correction of any unverifiable information. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Under FCRA 623 ( a ) ( 5 ), the furnisher has a duty to report accurate information, including Dates of First Delinquency ( DOFD ). I request verification of the accounts existence, the original balance, and any supporting documentation that justifies this items. If the account can not be verified, it should be removed from my credit report immediately.

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 2025-11-11 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: TX

Complaint narrative:
I have requested hundreds of times to remove hundreds of inquiries that were not me and they wan na tell me that those are a matter of fact I dont XXXX think so the original report number is XXXX not either yall are gon na give me a monetary compensation in upwards of {$300000.00} or more, which is the amount it wouldve cost me to buy a house cash which is what I wouldve had to have done if I wanted to buy a house. Because I couldnt get a mortgage loan to save my XXXX life because of the inquiries or we can go through civil penalties, and everybody can see you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
Us bank closed my account & returned only XXXX of my money. I called XXXX times this week & talk to manager at bank but no one knows what the bank did with my money. XXXX is missing & I havent had access to these funds for almost XXXX weeks.

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
I spoke with a representative on XX/XX/XXXX requesting that they reverse a payment that I mistakenly made. The issues was, I wanted the payment to come out on the XXXX of XXXX but I was having issues with the creditor website. It kept crashing. So when the third time came around for me to input my payment information, I forgot to change the date. My creditor said they couldn't reverse the charge because it was made on a XXXX. So I contacted my bank. After speaking to the representative, he explained that it could take XXXX business days or longer to resolve this issue. I never said it was fraudulent. I Said the payment was made for the wrong date. He told me that I would have to hold on to authorize this reversal transaction. He said at the prompt say your name and push the key. I hung up the phone because I said this will take too long to resolve. I never authorized the reversal. Fast forward to XX/XX/XXXX the payment was reversed being that USAA frequently does this when there is not enough funds in the account, I didnt question the reversal. Today XXXX XXXX I see where XXXX payments was made to my creditor putting our account in the negative XXXX. I told the representative and he agreed with me several times that the first reversal wasnt supposed to happen. And then he changed his tune. He said we'll you called on the XXXX requesting it although you didnt follow through, it still an authorization on your end. I was like what. You mean to tell me I didnt sign anything didnt authorize the request and your bank is till treating it as an authorization. I said if I was to contact FTC I wonder how their take would be on this and then I receive a document from them saying they found no fault on their end and the payment will not be reversed. We have a mortgage payment coming up. We do not need our account to be in the negative.

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 2025-11-11 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: CA

Complaint narrative:
I am submitting this complaint to report identity theft and ongoing inaccurate reporting by TransUnion and certain furnishers, including XXXX XXXX XXXX XXXX XXXX 

My legal name is XXXX XXXX XXXX ( XXXX XX/XX/year> ). My TransUnion file number is XXXX. My Social Security number ( XXXX ) has been compromised and used without my authorization to create or report fraudulent accounts, hard inquiries, and mixed personal information that do not belong to me. 

Despite sending multiple dispute and verification packets through XXXX, TransUnion continues to report inaccurate items. Because the FTC IdentityTheft.gov site is unavailable during the federal shutdown and the XXXXXXXX XXXX XXXX  offers no online filing option, I prepared a sworn affidavit executed under 28 U.S.C. 1746. This affidavit constitutes my official identity-theft report under FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Fraudulent and disputed information includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection {$620.00} Unauthorized hard inquiries ( CapXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, etc. ) Unauthorized soft/account-review inquiries and marketing pulls Outdated or mixed personal identifiers ( old addresses, phone numbers, aliases ) These inaccuracies are causing measurable harm to my credit profile and violating my rights under FCRA 605B, 611 , and 623 ( b ). I am requesting CFPB enforcement to ensure full compliance and correction.

"

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 2025-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-11 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-11-11 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief