vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have excellent credit history and pay my bills on time. Citi XXXX XXXX XXXX Acct is charging me {$1600.00} for tickets ( plus late fees ) for a charge from XXXX I have disputed multiple times. The original disputed charge was {$1400.00}. This charge was for a roundtrip flight from XXXX, OR to XXXX, MN plus 2 free vouchers and a promised refund I never received. 
I tried to contact XXXX regarding this charge, but I was hung up on when I asked to speak with the person who had charged me for an airline flight I never took and promised 2 free vouchers for additional flights I never received. XXXX XXXX posed as a XXXX XXXX agent. When I hadn't received my booking info the night before my flight, I called the real XXXX XXXX to ensure I had a ticket prior to my upcoming flight, the agent said I was not listed as a passenger and there were no more seats available on that flight. He also said this was a common scam. I then booked a different flight with XXXX for {$650.00} which I did take. I saw on my CITI XXXX statement that 2 other flights of people I do not know were charged to my CITI account on the same date, an XXXX XXXX and XXXX XXXX. CITI removed those charges, but did not remove the charge from XXXX for services I did not receive despite multiple calls and discussions with CITI dispute representatives who told me dont worry about it, they would take care of it. 

I sent a complaint to XXXX XXXX XXXXXXXX and filed a dispute with the 3 credit reporting agencies. I filed a fraud alert against XXXX XXXX with the FTC today. XXXX XXXX is shown on my transaction on my CITI card for {$1400.00}.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I. PURPOSE & LEGAL BASIS Narrative : This is a formal consumer dispute and 605B identity-theft block demand under the FCRA. I have submitted a verified FTC Identity Theft Report and supporting identity documentation. Furnishers and Consumer Reporting Agencies ( CRAs ) have failed to provide a complete Method of Verification ( MOV ) and have not met their statutory duty to ensure maximum possible accuracy under 607 ( b ) and the reinvestigation duties of 611.

Furnisher / CRA Non-Compliance Indicators : No furnisher ledger, promissory note, or complete monthly payment history produced The furnisher failed to provide a transactional account ledger, signed promissory note, or complete month-by-month payment history. Without these records, the account can not be verified for accuracy, ownership, or lawful reporting under FCRA 609 ( a ) and 611. 

No certified furnisher response identifying furnisher name and XXXX XXXX member code No certified response was provided identifying the actual reporting furnisher, its XXXX XXXX member code, or its authority to furnish data. 

Conflicting or missing account data across CRAs Open dates, terms, balances, high credit amounts, and Date of First Delinquency ( DOFD ) conflict across TransUnion, XXXX, and Equifax. 

No charge-off documentation or ownership chain produced Derogatory accounts lack documentation showing when the charge-off occurred, who owns the debt, or the legal chain of assignment. 

Inconsistent or incomplete XXXX XXXX fields Payment status, deferment indicators, dispute comments, and loan terms are incomplete or improperly coded. 

No reinvestigation notes, audit trail, or verification methodology disclosed Neither CRA nor furnisher disclosed reinvestigation notes, audit logs, or whether verification was manual or via e-OSCAR.

Continued reporting during active dispute and after identity-theft documentation Accounts continued to be reported despite active disputes and valid FTC identity-theft documentation, violating FCRA 605B.

Failure to reconcile cross-bureau discrepancies CRAs failed to reconcile conflicting information across different bureaus, violating FCRA 607 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally demand that you cease and desist immediately from any further reporting, furnishing, or communication regarding the bankruptcy information and the XXXX XXXX account currently appearing on my consumer credit reports. 

While a bankruptcy may be a matter of public record, the United States Bankruptcy Court does not furnish information to consumer reporting agencies. Any bankruptcy data reported was improperly obtained from XXXX, which is not a permissible source for consumer credit reporting, and was placed on my credit file without my authorization. 

Additionally, the XXXX XXXX account being reported is not mine and is the result of identity theft. I dispute this account in its entirety. You are hereby notified that continued reporting or communication regarding this disputed account constitutes unlawful collection activity. 

Pursuant to 15 U.S.C. 1692c ( c ) and 15 U.S.C. 1681, you are instructed to : 1. Cease all communication with me regarding these matters, and 2. Immediately delete all inaccurate, unauthorized, and fraudulent information from my credit reports. 

Failure to comply will leave me no choice but to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and seeking legal relief. 

This letter serves as notice only and is not a refusal to cooperate, but a lawful demand for compliance. 

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 2025-12-26 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 not associated with the creditors listed and did not authorize this inquiry. Please remove it 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 2025-12-26 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: NY

Complaint narrative:
am filing this complaint because Experian failed to conduct a reasonable reinvestigation of a disputed collection account reported by XXXX XXXX XXXX ( Account XXXX XXXX ) * *, in violation of the Fair Credit Reporting Act ( FCRA ). 

I disputed this account due to lack of validation and material inaccuracies. Despite my dispute, Experian continues to report the account as a collection/charge-off with a balance of {$7600.00}, while : No payment history is reported No 30/60/90-day delinquency history is reported The account status conflicts with other bureaus ( open vs. closed ) The debt remains unverified by the furnisher Experians reporting of customer disputed account reported by subscriber does not satisfy its duty under 15 U.S.C. 1681i to conduct a reasonable reinvestigation.

Experian has violated : 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) failure to conduct a reasonable reinvestigation

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I opened a personal loan with OppLoans on XX/XX/XXXX for {$2500.00} From XX/XX/XXXX to XX/XX/XXXX I paid a total of {$3900.00} As of today, my credit report is showing a Open Balance for {$5800.00} on my XXXX  Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
" Please see the attached documentation. I am filing this complaint due to noncompliance with federal law. My consumer report contains inaccurate and unverified late payment reporting, as well as other disputed items, which were previously challenged and not properly investigated or validated. The continued reporting reflects a failure to ensure maximum possible accuracy as required by law. 
"

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 2025-12-26 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: NV

Complaint narrative:
This is a follow-up complaint regarding [ XXXX / XXXX  / TransUnion XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : === CHARGE OFF === TU : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX === INQ === TU : 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding Cash App ( Block, Inc. ) 's handling of unauthorized and deceptive online gaming transactions and their dispute process. 
I made multiple payments through Cash App to online gaming and casino-related merchants that represented they would provide services and/or withdrawals. Those services were not provided as represented. I disputed the transactions in good faith. 
Cash App denied all disputes using language stating the claims were " fraudulent or false, '' despite no evidence of customer misconduct. 
Cash App then deactivated my account, preventing further resolution, and reclaimed provisional credits that were issued during review. 
Cash App 's dispute determinations failed to consider merchant deception, misrepresentation, or non-delivery of services. Their system treats peer-to-peer and gaming-related transactions as automatically authorized even when consumers are misled, leaving customers without meaningful protection. 
I requested documentation relied upon to deny the disputes and received only automated responses. 
No clear evidence or merchant proof was provided. 
Multiple identical denial emails were sent simultaneously, indicating an automated process rather than a fair review. 
I am requesting : XXXX. A documented explanation and evidence used to deny each disputed transaction 2. Review of Cash App 's dispute handling practices related to online gaming transactions 3. Consideration of reimbursement or goodwill credit due to deceptive merchant behavior 4. Correction of account records implying fraudulent conduct on my part Cash App 's actions have caused financial harm and emotional distress and demonstrate inadequate consumer safeguards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: GA

Complaint narrative:
I. PURPOSE & LEGAL BASIS Narrative : This is a formal consumer dispute and 605B identity-theft block demand under the FCRA. I have submitted a verified FTC Identity Theft Report and supporting identity documentation. Furnishers and Consumer Reporting Agencies ( CRAs ) have failed to provide a complete Method of Verification ( MOV ) and have not met their statutory duty to ensure maximum possible accuracy under 607 ( b ) and the reinvestigation duties of 611.

Furnisher / CRA Non-Compliance Indicators : No furnisher ledger, promissory note, or complete monthly payment history produced The furnisher failed to provide a transactional account ledger, signed promissory note, or complete month-by-month payment history. Without these records, the account can not be verified for accuracy, ownership, or lawful reporting under FCRA 609 ( a ) and 611. 

No certified furnisher response identifying furnisher name and XXXX XXXX member code No certified response was provided identifying the actual reporting furnisher, its XXXX XXXX member code, or its authority to furnish data. 

Conflicting or missing account data across CRAs Open dates, terms, balances, high credit amounts, and Date of First Delinquency ( DOFD ) conflict across TransUnion, XXXX, and Equifax. 

No charge-off documentation or ownership chain produced Derogatory accounts lack documentation showing when the charge-off occurred, who owns the debt, or the legal chain of assignment. 

Inconsistent or incomplete XXXX XXXX fields Payment status, deferment indicators, dispute comments, and loan terms are incomplete or improperly coded. 

No reinvestigation notes, audit trail, or verification methodology disclosed Neither CRA nor furnisher disclosed reinvestigation notes, audit logs, or whether verification was manual or via e-OSCAR.

Continued reporting during active dispute and after identity-theft documentation Accounts continued to be reported despite active disputes and valid FTC identity-theft documentation, violating FCRA 605B.

Failure to reconcile cross-bureau discrepancies CRAs failed to reconcile conflicting information across different bureaus, violating FCRA 607 ( b ).

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 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to report repeated and unlawful debt collection practices by Radius Global Solutions LLC.

Radius Global Solutions LLC has engaged in continuous and excessive telephone calls to my place of employment, including calls made at inappropriate hours. These calls have occurred despite my employer expressly requesting that Radius Global Solutions LLC cease all contact with my workplace. As a result of these repeated calls, my employer warned me regarding the disruption caused by the collectors conduct.

These actions constitute clear violations of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 15 U.S.C. 1692c ( a ) ( 3 ) Prohibiting a debt collector from contacting a consumer at their place of employment when the collector knows or has reason to know such communication is prohibited by the employer.

15 U.S.C. 1692c ( a ) ( 1 ) Prohibiting communication at inconvenient or prohibited times.

15 U.S.C. 1692d Prohibiting conduct intended to harass, oppress, or abuse any person in connection with the collection of a debt.

15 U.S.C. 1692c ( b ) Prohibiting unauthorized third-party communications.

Despite clear notice from my employer and the protections afforded under federal law, Radius Global Solutions LLC has continued this behavior with complete disregard for applicable statutes and consumer protections.

I am formally requesting that this account be removed from all consumer reporting agencies and that all collection activity immediately cease. Should this matter remain unresolved, I am prepared to pursue legal representation and all remedies available to me under federal law.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate enforcement action to ensure compliance with the Fair Debt Collection Practices Act.

Thank you for your time and attention to this serious 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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Company : Midland Credit Management , Inc. 

Issue : Incorrect information on credit report / Debt validation I am submitting this complaint regarding inaccurate and unverified credit reporting by Midland Credit Management. 

Midland Credit Management is reporting a collection account originally associated with XXXX Bank in the amount of {$600.00}, with a reported date of XX/XX/2018. I formally disputed this account and requested debt validation, including proof of ownership, a copy of the original signed agreement, and a full accounting of the balance. 

To date, Midland Credit Management has failed to provide sufficient documentation verifying that this debt is accurate and legally collectible. Despite this, they continue to report the account to the credit bureaus. 

Reporting unverified or inaccurate information violates the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have no public record history on my credit report, and these entries should not be there. Please delete them immediately, as they are creating serious XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: EQUIFAX, INC.
State: TN

Complaint narrative:
THE COLLECTION ACCOUNTS LISTED ON MY CREDIT REPORT WERE NOT OPENED OR AUTHORIZED BY ME. I HAVE NO AFFILIATION OR RESPONSIBILITY FOR THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief