vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One is wrongfully denying my information that I have sent them multiple times. I have sent them information saying both XXXX and XXXX XXXX A both owed me refunds and they keep denying the disputes saying I'm responsible for them when I am not as I am owed a refund from both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
I have no connection to this accountit shouldnt be on my report.

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 2025-10-02 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:
I have no connection to this accountit shouldnt be on my report.

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 2025-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: FIRST CITIZENS BANCSHARES, INC.
State: PA

Complaint narrative:
On XXXX at XXXX pm. ( recorded line ) I called CIT BANK spoke with XXXX. She refused to provide either a last name or ID # ... asked her to CLOSE this money market and mail me a check for {$1.00} balance ... she said ok... on XXXX ( XXXX pm ) called CIT bank a 2nd time spoke with XXXX ( California ) refused last name or ID # when I asked... I asked him where the {$1.00} check is so that I can close my file ... he refused to provide me with any answers .. I asked to speak with a supervisor ... after a lengthy hold time .. at XXXX pm. a supervisor named XXXX XXXX XXXX refused to provide either a last name or ID # when I asked ). She indicated that the {$1.00} check was mailed to me on XXXX ... Today ( 3rd and final time ) at XXXX pm. ( ALL PHONE CALLS were recorded by them ) called .. spoke with XXXX XXXX XXXX appeared incoherent in my opinion... gave me the impression that my XXXX request to close my account was never done.... I authenticated myself and asked him after almost 30 days, where is the {$1.00} check ... He couldn't answer me. I asked him to provide me with the draft or check number from XXXX verifying that they closed my account and mailed me a check. He refused to provide that information. I demanded to speak with a supervisor... XXXX XXXX picked up at XXXX pm. on a recorded line. I had to re-explain everything again ( 3rd phone call to CIT BANK ) ... told her that I was told on XXXX that my account would be closed and the balance mailed to me... told her that XXXX XXXX was NOT helping me at all and giving me the run around.... I asked her to look into the situation and to please call me back with answers as now the balance is {$1.00} .. It's not the money, it's the principle of the fact of pure incompetence handling these calls and money. XXXX abruptly hung the phone up on me.... never bothered to call me back ... This is unreal. I had other accounts with this bank but there have been so many mistakes over the years due to pure incompetence and negligence and sloppiness that I have moved those funds... for now... I want my account balance and the account closed ... I want this bank and those accountable to be reprimanded!! My valuable time has been wasted immensely..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
Ive been calling Experian all of today and yesterday and they will not help me. This is my 7th time calling trying to fix this situation with Experian and they do not seem to care what happens, I have let them know in past complaints that there are unauthorized inquiries in my report, and since these are not mine they should be completely wiped out and deleted from my consumer report. I have called in several times and the customer service line never wants to help, they put me on hold for XXXX minutes or more and ask me to talk to the issuing company about the inquiry. Why? I did not make those inquiries, I supply them with all my correct personal information so they know its me, and im letting them know that they are completely unauthorized, yet they do not do anything about it. Experian has impeded me from getting other credit products and this is just unfair since I pay all my debt and due dates on time every single month. This company is supposed to be protecting customers and they need to be corrected and I wish they would listen to consumers. They are causing me constant XXXX and stress, please help.

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 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am a victim of identity theft. A fraudulent collection account has been reported in my credit file that I did not authorize and that does not belong to me. 

The account details are : Creditor/Collection Agency : Midland Credit Manag Account Number : XXXX Balance : {$730.00} Date Opened : XX/XX/2022 I have already filed an official FTC Identity Theft Report through IdentityTheft.gov. Pursuant to the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies are required to block and remove fraudulent accounts within XXXX business days after receiving proper documentation of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/year>, I made a purchase with my debit card at XXXX XXXX for {$120.00}. I immediately returned the merchandise the same day at the cashiers counter. The merchant accepted the return and processed a void/refund on that date. However, my account was still charged, and no credit was posted. 

I filed a Regulation XXXX dispute with Ally Bank on XX/XX/year> ( Dispute Reference : XXXX, Document Receipt : XXXX ). Ally denied my claim, stating that because I initially authorized the transaction, they consider this a merchant dispute. On calls with Ally, I was told explicitly that their definition of a merchant dispute includes any case where the initial transaction was authorizedeven if the merchant later voided or returned the merchandise. Ally further stated that they are not responsible for retrieving the funds and would only credit my account if the merchants return eventually posted. Escalation reference numbers are XXXX ( XX/XX/year> ) and XXXX ( XX/XX/year> ). 

This reasoning conflicts with 12 C.F.R. 1005.11 ( a ) ( 1 ) ( iii ), which defines an error to include the omission of a credit. Since the merchant processed a return the same day, this is a failure to creditnot a quality-of-goods dispute. Ally has misclassified the error, denied provisional credit, and failed to provide documentation supporting their determination as required under 1005.11 ( d ). I am requesting CFPB assistance to ensure Ally properly applies Regulation E protections and issues the credit owed.

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 2025-10-02 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: TX

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

Accounts Still Inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: IL

Complaint narrative:
I have no connection to this accountit shouldnt be on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: IL

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 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 2025-10-02 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 urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in willful non-compliance and actively violating my consumer rights. 

I Demand Immediate Deletion of the Following Fraudulent Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In violation of 15 U.S. Code 1692g ( b ), which states that when an account is disputed, collections must cease until proper validation is provided. This collector continues to contact me despite the dispute being active. Remove this immediately.

Your Continued Negligence in Handling Identity Theft Reports Violates : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent data.

15 U.S.C. 1681n Willful non-compliance with the FCRA.

15 U.S.C. 1681o Negligence in reinvestigating disputed information.

15 U.S.C. 1681s-2 Furnishers reporting inaccurate/unverifiable data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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:
You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in willful non-compliance and actively violating my consumer rights. 

I Demand Immediate Deletion of the Following Fraudulent Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In violation of 15 U.S. Code 1692g ( b ), which states that when an account is disputed, collections must cease until proper validation is provided. This collector continues to contact me despite the dispute being active. Remove this immediately.

Your Continued Negligence in Handling Identity Theft Reports Violates : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent data.

15 U.S.C. 1681n Willful non-compliance with the FCRA.

15 U.S.C. 1681o Negligence in reinvestigating disputed information.

15 U.S.C. 1681s-2 Furnishers reporting inaccurate/unverifiable data.

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 2025-10-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC
State: FL

Complaint narrative:
In XX/XX/year>, I became delinquent on an auto loan that XXXX XXXX XXXX is reporting. The dealership that originated the loan has since closed and falsified the original sales contract by changing the vehicle price and loan terms. Despite my repeated requests, XXXX has never provided the original signed retail installment contract to prove I owe this debt. 

In CFPB case # XXXX, XXXX responded only with delinquency letters, which do not prove liability. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ) and the Truth in Lending Act ( 1638 ), they must provide the actual signed agreement.

My credit reports also show conflicting statuses on this account ( charged-off, collection, bad debt, reported as a loss ) and continued 30-, 60-, and 90-day late payments reported after the charge-off, which is inaccurate and may be illegal re-aging.

If a 1099-C was issued, the reported balance of about {$16000.00} is also inaccurate and should be reported as {$0.00}. I am requesting that CFPB require XXXX to produce the signed contract and correct the account or have it deleted from all credit reporting agencies if they can not verify it.

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 2025-10-02 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: CA

Complaint narrative:
I hereby object to the reporting of accounts that were opened without my consent. Please investigate in detail and expunge them from my profile. Relevant materials are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: NC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-10-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Palisade Legal Group, PLLC
State: VA

Complaint narrative:
At the beginning of XXXX, i was struggling financially and was concerned that I wouldnt be able to handle my debt. I contacted a company by the name of Palisade Legal Group to process debt resolution for several of my accounts. Once i signed a contract with them, they instructed me to not contact these companies and sent me a form to send to each XXXX informing them of the contact number for Palisade Legal Group so they could communicate with them directly. I was also informed by Palisade Legal Group that they would contact each company to arrange a debt resolution. I paid Paradise Legal Group $ XXXX  monthly for XXXX years. I thought everything was being handled until XXXX of the companies attempted to take me to court for nonpayment. At the beginning of of XXXX i discovered that they had only paid XXXX account ; XXXX with the lowest balance owed. I discontinued paying Palisade Legal Group and started receiving emails to get me back on track with my payments. I filed complaints with XXXX XXXX and the XXXX. This year i also filed a complaint with the California Attorney General requesting a refund of {$8700.00}, the total amount paid. My credit was ruined and as mentioned before, XXXX companies attempted to take me to court. No payments have been made to the accounts submitted to Palisade Legal Group except for the one which i had owed about {$500.00}. They have since sent a new contract to sign with a company called XXXX XXXX XXXX. I refused to sign. Reading other complaints, i have learned that others have suffered financially after signing up for debt resolution with Palisade Legal Group. I have also learned that the Rhode Island Attorney General filed a lawsuit against them earlier this year, representing people of Rhode Island who also suffered financial ruin because of them. I am adamant about being refunded the money i sent them for XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Purchased an XXXX gift card at XXXX XXXX for {$120.00} on XX/XX/year>. To obtain the code to use the card, tape must be scratched from the back of the card ( which is a cardboard type of substance rather than typical plastic ). Upon trying to retrieve the code, some of the characters were not legible, or " pulled off '' and the code can not be retrieved. Not having the complete code prohibits the use of the card. 

Called the number on the back of the card for assistance, was advised to take pictures of front and back of card and email to XXXX. They responded and said I would need to return to the retail store, XXXX XXXX, for any issues with the use of the card. XXXX XXXX stated that once a card is purchased, they no longer are responsible for anything to do with a third-party gift card. 
Again contacted launch gift cards, who stated they are only responsible for gift cards purchased via their website, and was told to contact XXXX  directly. XXXX stated they are not responsible for third party gift cards, and again to contact the retail store where I made the purchase. 

So, I gave up and have lost the {$120.00}. 
There are so many other codes on the card, seems like they would be able to determine that the card has not been used, and possibly refund or re-issue a new card. 

Very frustrating, because they have received the money from me and not had to provide any services or products. I commented to them that they should have a more durable format for their gift cards, especially if they are not going to provide customer service to consumers. 

If I had damaged the card, lost, or something of that nature, I could almost understand their lack of concern. But I feel their card type is prone to this issue and they should take steps to change or resolve the manner in which they deliver their gift card product. Especially since no one is willing to offer assistance or resolution.

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 2025-10-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank is harassing me about a " balance '' that is owed on a line of credit. I never used the line of credit. Chase forcibly closed my other accounts so that I could not use their services anymore. I notified them to close my line of credit multiple times and they still will not close it. They are telling me to " go to the branch '' to close it. But they also sent me a letter stating I can never go to their bank again. I do not owe this bank anything.

Company response to consumer: Closed with explanation