vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
Formal Complaint Regarding Inadequate Investigation of Dispute I am writing to formally complain about the inadequate investigation into my recent dispute regarding my Credit Card account. This letter serves as a formal request for a full re-investigation of my claim. I filed a dispute for a charge. I am challenging this finding because the investigation failed to consider. Requested Action : I request that you reopen and conduct a complete and proper re-investigation of this dispute. I am confident that a thorough review will reveal the charge to be fraudulent and/or erroneous. I ask that you reverse the original decision and provide me with a full credit for the disputed. I expect a prompt response and a new resolution within 30 days of the date of this letter. If we are unable to resolve this matter, I will consider all available legal and regulatory options, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
Formal Complaint Regarding Inadequate Investigation of Dispute I am writing to formally complain about the inadequate investigation into my recent dispute regarding my Credit Card account. This letter serves as a formal request for a full re-investigation of my claim. I filed a dispute for a charge. I am challenging this finding because the investigation failed to consider. Requested Action : I request that you reopen and conduct a complete and proper re-investigation of this dispute. I am confident that a thorough review will reveal the charge to be fraudulent and/or erroneous. I ask that you reverse the original decision and provide me with a full credit for the disputed. I expect a prompt response and a new resolution within 30 days of the date of this letter. If we are unable to resolve this matter, I will consider all available legal and regulatory options, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

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 2025-09-04 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an alert indicating that I was placed in collections by Midland Credit Management, for XXXX account totaling {$53000.00}. I have never opened any account with XXXX, nor have I applied for any credit in the past eight- ten years. Midland Credit Management said that this account was opened back in XXXX, I do not recall ever seeing this on any of my credit report. 

According to Midland Credit Management 's records, statements for this account were sent to an address in XXXX XXXX, CA, which is not associated with me in any way. My correct address is listed in this report, and I have never resided at or conducted business from the XXXX XXXX location. 

This account is fraudulent and was opened without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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
State: IL

Complaint narrative:
I disputed an {$18000.00} charge from XXXX on my credit card following the sudden death of my father. In my grief, I misread the one-way fare as {$1800.00} instead of {$18000.00}. I would never have knowingly agreed to this amount. 

Both XXXX and XXXX acknowledged my situation, requested my fathers death certificate, and recognized the exceptional circumstances. I provided all required documentation. 

My issuing bank, AMEX, initially credited the full amount after a couple of days, acknowledging the circumstances. However, they later rebilled the charge despite the humanitarian situation, relying solely on the merchants claim that the service was delivered. This dispute is not about service delivery. 

I request CFPB intervention because my bank did not protect me as a customer in this clear, exceptional, and humanitarian case. If the merchant refuses or fails to refund, I expect my issuing bank, AMEX, to assist me or provide a refund for this honest mistake, which is a huge financial burden during this difficult time of loss of my father. 

I have all screenshots and documentation of communications with the merchants and my bank, which I am prepared to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Debt Validation Letter XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX MIDLAND CREDIT MANAGEMENT , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Re : Account Number : XXXX XXXX XXXX XXXX XXXX  Dear MIDLAND CREDIT MANAGEMENT , INC., I am writing to request validation of the debt you claim I owe on the above-mentioned account. As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following information : 1. * Original Contract * : A copy of the original contract or agreement between the original creditor and myself.

2. * Account Statements * : A detailed breakdown of the debt, including the principal amount, interest, and fees.

3. * Chain of Assignment * : Proof of how the debt was assigned to MIDLAND CREDIT MANAGEMENT , INC .

4. * Creditor Information * : The name and address of the original creditor. 

Please provide the aforementioned information within 30 days of receipt of this letter. Until I receive the requested validation, I dispute the debt and request that you cease all collection activities. 

If I do not receive the requested information, I will assume that the debt is not valid, and I will take necessary steps to protect my rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
The following accounts are fraudulent and DO NOT BELONG TO ME!! The name is wrong, my name is XXXX XXXX and I DO NOT have a middle name. There are so many inconsistencies on my credit profile now. Please remove the following accounts 1 ) XXXX XXXX XXXX XXXX {$910.00} 2 ) XXXX XXXX {$580.00} XXXX XXXX loan {$48000.00} ( 2 different accounts ) 3 ) XXXX XXXX XXXX ( not sure if this is a cc or bank acct ) {$3500.00} 4 ) XXXX XXXX XXXX {$20000.00} ( XXXX XXXX I never lived in ) Please have these removed away from my account. I suspect some of these belong to another XXXX XXXX or someone just directly used my information and open them fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this dispute to formally contest the accuracy of the accounts identified. As I did not authorize or open them, I request their deletion and an immediate investigation. Documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/year>, I obtained a Citibank credit card with a {$10000.00} limit through a company that helped me get credit cards as an alternative to a traditional business loan. I spent approximately {$7000.00} on the card and paid back around {$2000.00}. 

Since then, I have experienced two major issues with Citibank : 1. Credit Limit Reductions : Every time I make a payment, Citibank notifies me that my credit limit has been reduced. This means I never regain available credit from the payments Ive made, and my overall available credit continues to shrink. This practice has negatively impacted my credit score and has left me without access to the credit line I was approved for, despite paying down the balance. 
2. Blocked Transactions and Fraud Alerts : Nearly every time I attempt to use the card, the transaction is declined due to a fraud notice. This has forced me to spend hours on the phone with Citibanks customer service. On one occasion, I had to physically visit a bank branch, only to be told that branch staff could not help with credit cards. I was also told I had a PIN on the account, but I never set one up, leaving me unable to verify my identity. Resolving these issues has taken over 12 hours at times, and despite escalating to a manager, the problem has persisted for more than a year.

Because of these problems, I eventually stopped using the card altogether. However, Citibank continues to reduce my credit limit after each payment, meaning I can not use the card and I have no access to the credit Ive already paid toward. This has placed me in a worse financial position, harmed my credit standing, and caused unnecessary stress and loss of time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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 {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-04 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my XXXX, XXXX  XXXX TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Block, Inc.
State: TX

Complaint narrative:
I tried to open an account at XXXX but it says there is one already open with my social. Also my wallet was taken in XXXX and also my house was broken into in XXXX  and I was also a part of a privacy breach that had my DL and social in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: IN

Complaint narrative:
This account is being reported under my name without my authorization or knowledge. I have never applied for, opened, or managed this account, and its presence on my credit report is unacceptable. It represents inaccurate and misleading information about my financial history and raises serious concerns. 

I require immediate clarification regarding why this account is being reported and who is responsible for placing it on my credit profile.

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 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Notice of Claim : Returning the Vehicle In accordance with the terms of our agreement, I understand that a default is activated by the occurrence of any of the following : - Failure to make payments as specified ; - Violation of any Borrower warranty provided in the agreement ; - Failure to perform obligations as required under the agreement ; - Discovery that any warranty or statement provided in connection with the transaction is materially incorrect, or improper use of collateral ; - Encumbrance of the collateral ( lien, levy, seizure ), or failure to insure/register it properly ; - Suspension or revocation of registration or operating license ; - Death, insolvency, bankruptcy, or receivership of any obligated party.

As an individual supporting a simple contract, I have attempted to come along as the other borrower to help the other borrower complete the terms and other provisions, so that they can have in their possession a security agreement. 
I've been materially effected and it is my responsibility and duty to ensue that loss and damage does not occur.Ive been attempting to activate the default agreement to help the borrowers involved investigate and realize the potential breach and omission of information. There is some potential error in the transaction and how it was serviced.I would like to return the vehicle.

Please See attachments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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