vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
Each interaction that I've had to withstand with the debt collector, National Credit Systems, was unethical, unfair, and abusive. The company obviously obtained this debt from XXXX XXXX who offered a resolution amount to me of {$1200.00}. After I made XXXX XXXX an offer of {$900.00}, they clearly sold this account to National Credit Systems who has continued to harass me with emails that offer to resolve the account for the amount of {$1000.00}. Upon each and every attempt that I've made to settle this account on the phone with National Credit Systems for the advertised amount of {$1000.00} their representatives have abused me by yelling, manipulating the truth, failing to properly inform me that the call was being recorded, and disconnecting the call on multiple occasions. They continually badgered me for an amount that was significantly higher than anything I've ever heard of this account resolving for and told me repeatedly that what they advertised for in their resolution email was " not going to happen. '' I take great offense to having this account sold to the deceitful scheming and bait-and-switch tactics that this untrustworthy establishment- National Credit Systems- operates by . This is a violation of my personal information as I do not believe this creditor to be honest, based on their intimidation tactics and manipulation of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: CO

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 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 2025-08-20 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: FL

Complaint narrative:
MY LAST DISPUTE I REQUESTED UNDER FCRA LAWS 1. 15 U.S.C. 1681i ( 7 ) : Reinvestigate and provide validation records for the account. 
XXXX. 15 U.S.C. 1692c : Furnish original contracts and statements proving the debt. 
XXXX. 31 U.S.C. 5118 : Prove the account was funded with XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX. 15 U.S.C. 1681s-2 ( a ) ( 7 ) : Provide negative information notices. 
XXXX. 15 U.S.C. 1666b, 1637 : Prove billing notices were sent within 21 days. 
XXXX. 15 U.S.C. 1681e ( b ) : Show procedures ensuring reporting accuracy. 
XXXX. 15 U.S.C. 1681s-2 ( a ) ( 3 ) : Prove dispute notifications to bureaus. 
XXXX. 15 U.S.C. 1681c-2 : Comply with identity theft blocking, if applicable. 

NOW IM ALSO DISPUTING THESE AREAS IN THE ACCOUNT : Account XXXX  High Balance : Last Verified : Date of Last Activity : Date Reported : Date Opened : Balance Owed : Closed Date : Account Rating : Account Description : Dispute Status : Creditor Type : Account Status : Payment Status : Creditor Remarks : Payment Amount : Last Payment : Term Length : Past Due Amount : Account Type : Payment Frequency : Credit Limit :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: FL

Complaint narrative:
MY LAST DISPUTE I REQUESTED UNDER FCRA LAWS 1. 15 U.S.C. 1681i ( 7 ) : Reinvestigate and provide validation records for the account. 
XXXX. 15 U.S.C. 1692c : Furnish original contracts and statements proving the debt. 
XXXX. 31 U.S.C. 5118 : Prove the account was funded with XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX. 15 U.S.C. 1681s-2 ( a ) ( 7 ) : Provide negative information notices. 
XXXX. 15 U.S.C. 1666b, 1637 : Prove billing notices were sent within 21 days. 
XXXX. 15 U.S.C. 1681e ( b ) : Show procedures ensuring reporting accuracy. 
XXXX. 15 U.S.C. 1681s-2 ( a ) ( 3 ) : Prove dispute notifications to bureaus. 
XXXX. 15 U.S.C. 1681c-2 : Comply with identity theft blocking, if applicable. 

NOW IM ALSO DISPUTING THESE AREAS IN THE ACCOUNT : Account XXXX  High Balance : Last Verified : Date of Last Activity : Date Reported : Date Opened : Balance Owed : Closed Date : Account Rating : Account Description : Dispute Status : Creditor Type : Account Status : Payment Status : Creditor Remarks : Payment Amount : Last Payment : Term Length : Past Due Amount : Account Type : Payment Frequency : Credit Limit :

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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
Credit Management Co is reporting a collection account on my credit report in the amount of {$1500.00}. I fully dispute this account as inaccurate, unverifiable, and unlawfully furnished.

This furnisher has never provided me with any proper validation of this alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). Without full validation, including the original contract and complete account details, a debt collector is prohibited from pursuing collection or reporting to the credit bureaus. Despite this clear requirement, Credit Management Co has chosen to damage my credit standing with unverified data.

The Fair Credit Reporting Act ( FCRA ) is also being violated here. Under FCRA 602A, 607 ( b ), and 623, a furnisher must ensure maximum possible accuracy. Reporting an account without supporting documentation, proof of ownership, or chain of assignment is reckless and unlawful. Willfully furnishing unverifiable information is a violation subject to civil liability under FCRA 616 and 617.

I have never entered into any agreement or contract with Credit Management Co. There is no wet signature, no signed application, and no proof of permissible purpose under FCRA 604. This company is illegally in possession of and using my personal information without my authorization, which constitutes an additional violation of my consumer rights.

I also want to emphasize that I am currently in an unstable living situation. Because I can not reliably receive mail, I demand that all responses and documents be uploaded directly to the CFPB portal. Mailing letters that I will not be able to access is not compliance. 

This account is being reported unlawfully and without proof, and it is severely damaging my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
This dispute concerns a charge of {$2400.00} from a hotel booking processed through a third-party travel company. The hotels General Manager has confirmed in writing that the full refund was issued to the third party, and the hotel provided a XXXX-balance folio confirming no charges remain. Despite this, the third party has refused to process the refund and continues to misrepresent its position by claiming it could not contact the hotel a claim the hotel has explicitly denied.

Barclays twice denied my dispute, first citing the hotels non-refundable policy and later claiming I acknowledged the charge over the phone. When I requested proof, Barclays refused to provide a transcript, stating it could only be obtained via subpoena. Additionally, the agreement Barclays provided as evidence contains incorrect personal information, listing my state as Alabama instead of Arizona, undermining its validity.

The facts and documentation clearly demonstrate that the merchant is wrongfully retaining funds that were refunded by the hotel. Barclays has failed to conduct a reasonable investigation, as required under the Fair Credit Billing Act ( FCBA ), and has ignored evidence favorable to the consumer.

I respectfully request that the CFPB direct Barclays to reverse the charge and issue a refund of {$2400.00}.

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 explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a formal complaint against the credit reporting agency for reporting unauthorized and/or inaccurate hard inquiries on my consumer credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681b ( permissible purpose ) and 1681i ( dispute investigation obligations ). I have not granted authorization for several of the inquiries currently appearing on my report, and no permissible purpose exists for those entities to have accessed my file. The agency has allowed these inquiries to be reported without verifying consent or purpose, and has failed to conduct a proper reinvestigation upon my formal dispute, thereby violating its statutory obligations to ensure accuracy and integrity in consumer reporting. The continued presence of these false and unverified inquiries has harmed my credit profile, limited my access to credit, and exposed me to financial discrimination. The agencys inaction and refusal to uphold its legal responsibilities have left me no choice but to escalate this matter through regulatory and legal channels.

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 2025-08-20 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: VA

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 2025-08-20 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-20 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: FL

Complaint narrative:
Equifax, Transunion, Experian were all sent disputes for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. The dates were multiple dates ranging from XX/XX/XXXX to last month which was XX/XX/XXXX. 

I have reached out to both consumers as well multiple times. This was two vehicles that were totaled out paid for by both XXXX XXXX XXXX plus the Gap insurance. Under the fair credit act of 1977 both reports should be removed from my credit report with all three credit bureaus

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 2025-08-20 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:
Equifax, Transunion, Experian were all sent disputes for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. The dates were multiple dates ranging from XX/XX/XXXX to last month which was XX/XX/XXXX. 

I have reached out to both consumers as well multiple times. This was two vehicles that were totaled out paid for by both XXXX XXXX XXXX plus the Gap insurance. Under the fair credit act of 1977 both reports should be removed from my credit report with all three credit bureaus

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 2025-08-20 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding an ongoing issue with XXXX XXXX. Despite XXXX XXXX  confirming that all of my payments have been made on time, they have not updated my credit report to accurately reflect this payment history. 

Since my initial complaint to the CFPB, XXXX XXXX  has still failed to make the necessary corrections to my credit file. Their lack of follow-through continues to negatively impact my credit standing. In my most recent attempt to resolve this matter, XXXX XXXX  rejected my submission, stating that my email address did not match their records. However, they previously processed my first complaint using the same email address, which makes their reasoning inconsistent and unreasonable. 

Working with XXXX XXXX  has been very difficult and frustrating. I respectfully request that the CFPB ensure XXXX XXXX  updates my credit report to accurately reflect my timely payments and that they comply with proper credit reporting requirements moving forward. 

Thank you for your attention to this 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 explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there .. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2025-08-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: TX

Complaint narrative:
The collection account ( s ) being reported on my credit file are inaccurate, incomplete, and unverifiable, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), 1681i ( failure to conduct a reasonable reinvestigation ), and 1681s-2 ( furnishers duty to provide accurate and complete information ). The furnisher has failed to provide documented proof of ownership, a full chain of assignment, and records validating the debt pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the data being reported is nonXXXX XXXXcompliant, containing inconsistencies in dates, balances, and account status across all three major credit reporting agencies. This is an ongoing violation that continues to cause measurable harm to my creditworthiness.

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 2025-08-20 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: MI

Complaint narrative:
I am submitting this complaint because the consumer reporting agency did not fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, denying me the transparency and verification rights granted under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: AZ

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 : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX  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 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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation