vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
Please see or reopen case number XXXX Important. This matter is out of jurisdiction, and the collector is in violation. This is the fourth attempt to garnish my account based on an alleged Direct Merchants Credit Card Bank debt. Direct Merchants was a commercial bank that merged into HSBC in XXXX and no longer exists. I never owned a business account, nor did I have any contract or affiliation with this bank. 

On XX/XX/XXXX, XXXX Bank failed to notify me of a garnishment attempt for a different amount, {$3600.00}, out of jurisdiction. On XX/XX/XXXX, my account was again frozen for {$5300.00} plus {$100.00} in fees by XXXX XXXX XXXX XXXX XXXX XXXX. HSBC, the successor bank, confirmed that they have no record of me under the alleged debtor account ( XXXX ) .this is the account number that XXXX XXXX XXXX XXXX gave for there pdf to CFPB as a response to me I called HSBC number does not exist and there is no collection under my ssc # ) Others have reported similar issues they are getting the same complaints. 

I am a preschool teacher and single mother with proof of continuous employment history. I have never operated a commercial business account, and my credit reports show no collections from Direct Merchants, HSBC, or XXXX XXXX XXXX XXXX. This appears to be a phantom debt, and the repeated garnishment attempts violate the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I Just found out ( because I noticed my spending limit on XXXX of my credit cards was O even though i had paid it down XXXX  % below the limit. And called to ask why. I was told that all XXXX of my accounts with them were closed because last month they sent me a letter concerning possible fraudulent activity on the account ( this sounds fishy because those cards were rarely used I maxed them out a couple months prior after a hospital stay and the only activity on them is payments being made to them i was finally paying them down and just had paid a couple XXXX dollars toward them the day prior because the website makes the accounts look like theyre open. 

I never received said letter, I had no idea they would be closing my accounts or that there was some sort of issue. I continued paying into them and didnt notice because I didnt use the cards often so after XXXX  days they closed my XXXX accounts without notifying me. Nothing on the website indicated they were closed. I asked why I was not emailed or called or notified of the closure. They simply said their initial letter said that if there was no response in XXXX  days they would close. 

My credit took a sizable hit ( account included XXXX cards XXXX of which was my oldest and XXXX of which was my highest limit ) and they wont explain anything about the " fraudulent activity '' ( if you look at my statements there are barely any transactions primarily just payments to them the month of XXXX when they closed the account, there was XXXX payments made to them, and a reversal of late fees, no charges ), How can I respond to something I never received and why didnt they notify me in some other manner. I searched my email and checked all my messages. 

Its as if they didnt want me to know they had closed the accounts so I would keep making payments as usual. The lack of attempt to contact me and the lack of any fraud ( the month of XXXX when they sent the letter, had XXXX transactions, XXXX minimum payments and a reversal of late fees -- where is the fraud? ) ( i dont even know if the fraud was in regards to fraud against me or if they were somehow acccusing me of fraud? ) seems deceiptful. 

My finances have now taken a blow because I have outstanding balances on closed accounts and my credit limit was lowered for no actual reason hurting my credit utilization ratioand they dont seem to care. They even left the autopay turned on. I want to know the nature of said fraud, as well as my accounts reopened, Any remarks on my credit removed or the balances forgiven as to no longer hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MD

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
I had initially contacted the company to fix an issue where my old phone served as a XXXX. They were completely unable to. 

Then I had requested a new card. With the request for a new card I suddenly had charges from apple store. I let them know that I did not authorize a payment to the apple store to which they opened an investigation. 

After requesting me information about the purpose o let them know I don't own an apple product so how could I let them know about the transaction as it doesn't exist on my end. 

Then I received another charge from something I do subscribe to but I hadn't updated my card information on. I let them know that's it's obvious what the issue is and what it is. To which they locked my card which wouldn't be an issue but every time I have to lock and unlock it. It takes over XXXX minutes to do their selfie verification. 

I told them to never lock my card for me and to get me to the corporate offices and if they did anything just get me to the corporate office that I would close my account. To which obviously disgruntled about me causing a doc on their job they completely restricted my account to the point that any funds going in aren't and I can't withdrawal my funds either. 

I asked for a call back and the person on the phone hung up if I asked them if this is simply XXXX of those situations in there's nothing they can do because they aren't actually a part of the company. To which they hung up. 

I notified them yesterday in an email that I had funds coming from XXXX and gave them the number. Telling them they need to make sure those funds enter my account because they accepted the payment. 

To which they sent an email saying that they won't " tolerate threats or foul language. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I was in the process of changing my bank accounts due to fraud and extortion. I told the Paypal agent about the changes and that it would take a couple days to have the changes be made here on paypal to make payment. They removed my auto payment, didn't notify of payment and sent me a fee for missing payment. I made the payment for the month. I find this unethical. I won't being service with this company anymore if they are going to allow this fee to be upheld. It's like they have a lack of moral guidelines for there customers. Their agents don't listen. The robot doesn't respond on there websites

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 2025-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
I asked this company to stop contacting me in mid XXXX. They have continued to contact me and have recently started texting me also. This is a direct violation of my rights to no contact and my TCPA rights. I never gave them permission to reach me via cell or text. They have never sent anything via mail to validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I have a current loan with OneMain Financial. I was late the previous month by XXXX weeks but managed to pay that months loan on the XXXX of XXXX. This month in XXXX, I had the same struggles. My due date was originally the XXXX, but I did not have funds for that. My debit card also declined their automatic payment multiple times when I did not have the fund nor was it on automatic payments. Itold them I would make payment on XX/XX/XXXX and they threatened to ding my credit. They also tried interrogating me when I was already highly stressed over the phone already on why I can not do earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash App sent me an email today saying a refund was completed on XX/XX/XXXX. I did not receive a refund in XXXX. They back-dated the refund email and are refusing to return my money. 
The email was sent XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-21 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:
Please provide validating documents. The date of last activity is reporting differently among all XXXX reports. Please conduct a reasonable investigation. This is inaccurate and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CO

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion, Experian, and Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-21 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: CO

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion, Experian, and Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-11-21 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: TX

Complaint narrative:
Disputed accounts are to be deleted within the legally specified time window.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed and account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report complaint on the following dates ( XX/XX/year> ). XXXX now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I am disputing an inaccurate CAINE & WEINER collection for {$440.00} reported as owed to Progressive. The item is unverified, appears reaged ( wrong open/update dates ), and the furnisher verified it after my dispute without providing validation or correcting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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