vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: CT

Complaint narrative:
I had a XXXX XXXX XXXX which dated back to the early XXXX 's. Since that time, it has been taken over by multiple private companies. From XXXX of XXXX to XX/XX/XXXX my XXXX XXXX was serviced by XXXX XXXX XXXX XXXX. In XXXX of XXXX the loan was transferred to XXXX. I assumed that the debt was completely transferred to XXXX. Apparently, there was a balance of {$190.00} that was not paid by XXXX. I was unaware of the remaining balance and did not receive any correspondence regarding this debt. I am unsure at what point XXXX took over the responsibility for the collection of this remaining balance as this was from almost XXXX  years ago. As a note the student loan has been paid in full with the last lender, XXXX, with no late payments for almost XXXX  years. 

On my credit reports this account had shown as paid as agreed for as far back as the report will reflect. Suddenly in XXXX of XXXX I received notifications from the credit report bureaus that I had an account that was XXXX  days past due. This was a complete surprise to me as I have not had any late payments on any account on my credit report in over XXXX  years. I immediately paid the account in full, including any interest in hopes that this would satisfy the credit bureaus and have the late payment removed. Unfortunately, that did not happen. I filed a complaint to all three credit bureaus as well as a formal letter to XXXX with no success to have this item removed I have never had any communication with XXXX or agreed or made any sort of payment as I was not aware of the outstanding balance. My credit payment history was immaculate with no late payments in the past XXXX XXXX XXXX years. Now my report shows an account that was XXXX  days past due and it has severely affected my credit. As soon as that was put on my credit report my credit card companies started decreasing my credit limits, closed accounts and has made it very difficult to obtain credit. I fully understand the need for these credit reporting agencies but to be punished for something I was unaware of and paid the moment I saw it on my credit report has been devastating to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CT

Complaint narrative:
I had a XXXX XXXX XXXX which dated back to the early XXXX 's. Since that time, it has been taken over by multiple private companies. From XXXX of XXXX to XX/XX/XXXX my XXXX XXXX was serviced by XXXX XXXX XXXX XXXX. In XXXX of XXXX the loan was transferred to XXXX. I assumed that the debt was completely transferred to XXXX. Apparently, there was a balance of {$190.00} that was not paid by XXXX. I was unaware of the remaining balance and did not receive any correspondence regarding this debt. I am unsure at what point XXXX took over the responsibility for the collection of this remaining balance as this was from almost 10 years ago. As a note the student loan has been paid in full with the last lender, XXXX, with no late payments for almost XXXX  years. 

On my credit reports this account had shown as paid as agreed for as far back as the report will reflect. Suddenly in XXXX of XXXX I received notifications from the credit report bureaus that I had an account that was 180 days past due. This was a complete surprise to me as I have not had any late payments on any account on my credit report in over XXXX  years. I immediately paid the account in full, including any interest in hopes that this would satisfy the credit bureaus and have the late payment removed. Unfortunately, that did not happen. I filed a complaint to all three credit bureaus as well as a formal letter to XXXX with no success to have this item removed I have never had any communication with XXXX or agreed or made any sort of payment as I was not aware of the outstanding balance. My credit payment history was immaculate with no late payments in the past XXXX XXXX XXXX years. Now my report shows an account that was XXXX  days past due and it has severely affected my credit. As soon as that was put on my credit report my credit card companies started decreasing my credit limits, closed accounts and has made it very difficult to obtain credit. I fully understand the need for these credit reporting agencies but to be punished for something I was unaware of and paid the moment I saw it on my credit report has been devastating to my credit.

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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On Monday, XXXX XXXX, XXXX I tried to book a fight on XXXX for the amount of {$810.00} and my credit card was declined twice, my XXXX  [ toll tag account ] is set on auto-pay, and that transaction, too, was declined. Citi failed to notify me that my transactions were being declined and I called XXXX. The first representative told me that the transactions were 'pending ' but did not say they were purposely blocked. On XXXX XX/XX/XXXX, I received an email from XXXX stating that my credit card was declined. I called Citi a second time and again they confirmed that they failed the obligation of notifying me that my credit card was block. I've had to go to every account and transact [ XXXX, XXXX XXXX, XXXX, XXXX ]. 

Their notification system is obviously flawed and is impacting consumers when and if the CC is blocked, there are no notifications, and late fees are incurred.

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 2025-08-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I applied for a credit card with comenity bank/ Victoria secrets in XXXX. The credit limit was {$350.00}. I have payed the account off. The statement they sent me stated that the account was closed in XXXX and also stated that it was closed again in XXXX. They also reported the account closed again in XX/XX/XXXX. It never was reopened because I have not used this card since XXXX. I was paying them monthly because my account balance continued to increase. I dont know why the balance increased when I always paid on time. They added interest fees and additional charges on a card that I have not used. XX/XX/XXXX I stopped sending them payments because I realized I was losing scammed on a credit card that has been paid off. I have contacted comenity bank and one supervisor stated the account has been paid off and that their insurance company had been charging me. I contacted the insurance company that they stated had been charging me and the insurance states that they will give a refund for over payment. The insurance company stated I over paid by {$200.00}. However, comenify bank is flagging my credit account as 30,60, and 90 days late on a closed account. They have not shown me explanation of the charges that they are saying I owe. This bank is a scam and should be shut down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-19 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: CL Holdings LLC
State: NY

Complaint narrative:
I am filing a complaint because my credit report was illegally sold/shared with a third-party company without my consent. This is a violation of the Fair Credit Reporting Act ( FCRA ), as I did not authorize or give permission for any company to access or obtain my credit report. I request a full investigation, removal of any unauthorized inquiries, and confirmation of which companies have accessed my report in the past 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: IL

Complaint narrative:
I recently found out that there was a account in my name for regional acceptance for a car that I never had at the age of me being XXXX I have been reaching out to the for the longest I would be on hold with them for about XXXX hours still no answer they told me the account went into something called charge off cant get a hold off them this was fixed on my XXXX  and XXXX  but not Experian, I reached out to Experian and they said regional acceptance is giving them a hard time and they dont understand why they gave the other two credit bureaus the right to remove it except them I Have sent over police reports statements and also my ftc report this is taking a toll on my life I am only XXXX I need this handled.

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 2025-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is to formally dispute a fraudulent account that has been incorrectly reported under my name. I have never opened, used, or authorized such an account. Its presence is a serious error that negatively impacts my credit.

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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/year> To : Discover Financial Services XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX Re : Validation & Cease and Desist Account No. XXXX Dear Discover Financial Services ( Debt Collector ), I recently received communication regarding the above-referenced account. I am formally requesting validation of the alleged debt under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Until such validation is properly provided, you must cease all collection activity.

Required Documentation Please provide the following : 1.Original Creditor Information : Name and address of the original creditor and current creditor.

2.Debt Verification : Complete itemization of the alleged debt, including principal, interest, and fees, along with a copy of any contract or agreement bearing my signature that creates the obligation.

3.Assignment of Debt : Documentation of all assignments or transfers showing the legal chain of custody of this debt from the original creditor to the present entity.

4.Securitization Proof : Verification that the alleged debt was not securitized or otherwise transferred into a trust without disclosure.

5.Reassignment Records : Documentation showing the assignments of the debt from the original creditor to any securitized trust, and then back to the original creditor, if applicable.

PLEASE ANSWER ALL QUESTIONS MARKED # 1-5, # 6 Cease and Desist Until you fully validate the debt, you must immediately : Cease all collection activity ( phone calls, letters, or otherwise ). 

Cease reporting or attempting to report this debt to any credit bureau.

Cease accessing my credit report.

If this debt has already been reported to any consumer reporting agency, I demand that it be marked as disputed in compliance with 15 U.S.C. 1692e ( 8 ).

Permissible Purpose 6.Please state your permissible purpose under 15 U.S.C. 1681b for accessing or furnishing my credit information. At present, I dispute your right to do so.

Notification to Other Collectors I dispute owing this debt to you. Should you transfer, sell, or assign this account to another party, you are required to inform them of this dispute under the FDCPA.

Notice of Intent Failure to comply with this request will result in immediate complaints filed with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) California Attorney Generals Office and consideration of civil litigation for violations of my rights under the FDCPA and FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: NY

Complaint narrative:
I am filing a complaint because my credit report was illegally sold/shared with a third-party company without my consent. This is a violation of the Fair Credit Reporting Act ( FCRA ), as I did not authorize or give permission for any company to access or obtain my credit report. I request a full investigation, removal of any unauthorized inquiries, and confirmation of which companies have accessed my report in the past 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
Cash app is has been holding my funds since XX/XX/XXXX without legal right The account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: Thomas George Associates, Ltd.
State: WI

Complaint narrative:
A few months ago, in XXXX, I canceled the license plates on a vehicle and parked it. I transferred the plates to another vehicle I had for use. I then sold the vehicle I had parked. I surrendered and signed over the title, and the new owner was in an accident. Since then, I've been receiving bills. I've already contacted this collection agency and sent a photo of the title when it was sold, but they continue to harass me. I can't take it anymore

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 2025-08-19 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: WA

Complaint narrative:
The furnisher of information XXXX XXXX XXXX  is committing willful fraud upon the credit bureaus. They verified this debt as accurate without conducting any investigation because they can not possibly possess the documentation I legally demanded from them via certified mail on XX/XX/year>. Their verification is a lie, and Equifax is complicit in accepting this fraudulent verification without any proof. This is a blatant violation of FCRA 623 ( a ) ( 8 ). I demand the CFPB sanction both the furnisher and the credit bureau for their bad-faith practices and compel the immediate deletion of this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This correspondence is a dispute of a fraudulent account that has been reported under my credit profile. I have never authorized or used such an account. Its reporting is an error and is unfairly damaging to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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:
The report offers an inaccurate view of my credit management and does not reflect my past financial behavior.

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 2025-08-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: EGL US, LLC
State: UT

Complaint narrative:
I am the victim of identity theft and/or a data breach, which has resulted in fraudulent accounts and inaccurate information being reported on my credit file without my knowledge or consent. I did not apply for, authorize, or benefit from the accounts that are being reported. 

The following companies are reporting accounts that do not belong to me : BMG Money Inc / XXXX at XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( for XXXX XXXX ) XXXX XXXX XXXX XXXX ( for XXXX ) XXXX XXXX XXXX ( for Just XXXX XXXX  XXXX ) XXXX  XXXX XXXX ( for XXXX ) XXXX XXXX These accounts are the result of identity theft and should not be associated with me in any way. They are causing significant and unfair damage to my credit standing, preventing me from obtaining housing, reliable transportation, and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: GA

Complaint narrative:
I filed an ientity theft report with the FTC because I noticed fraudulent Addresses, Employment Information, and Inquiries on my Transunion report. In addition to the inquiries listed XXXX XXXX XXXX  XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX  XX/XX/year>, XXXX XXXX  XX/XX/year>, and XXXX XXXX XXXX XXXX XXXX  are also fraudulent.

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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC
State: CO

Complaint narrative:
I have requested information from Speedy CashXXXX XXXX for almost 2 years to provide a contact phone number, date loan was taken out, where loan was taken out, and to try n resolve matter n they keep responding with threatening emails

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
I receieved 6 envelopes in the mail from a company called current. Only 1 of the envelopes had my name and address on it. The other five envelopes have different names but my address on them. I only opened the one with my name on it and it contains a XXXX  debit card along with instructions for activating the card and a form to set up direct deposit. There is a small footnote on the back that states current is a financial technology company not an FDIC insured Bank it also states that the current Visa debit card may be issued by XXXX XXXX XXXX and or XXXX XXXX XXXX  and the current Visa secured charge card which is issued by XXXX XXXX XXXX  are all issued pursuant to licenses from XXXX XXXX XXXX and maybe use everywhere XXXX  debit or credit cards are accepted a current debit account is required to apply for the current XXXX secured charge card independent approval required. I did not open this account. Nor have I ever heard of current or any of the affiliated banks. Nor do any of these XXXX other names live at my address so I highly suspect there is fraud involved. The phone number listed on the paper i received XXXX comes up with a name apul khairnar when I XXXX  search it and i was unable to find a legitimate phone number for the compay " Current '' on the web.

Company response to consumer: Closed with explanation