vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Winklevoss Exchange LLC
State: CT

Complaint narrative:
The company is called XXXX. Also know as XXXX XXXX XXXX. They are mainly a crypto exchange that also offers a credit card that allows you to get bitcoin back on purchases instead of cash back. My issue arrived when I first got the app and there was a promotion that said buy some crypto and you will receive {$10.00} for free in a crypto of your choice. I bought some crypto and never received the {$10.00}. The promo was promptly deleted from the home page of the app as soon as I bought the crypto. 
XXXX  also offers a promotion that if someone signs up for an account using your link or code and trades {$100.00} in crypto then you and the person that signed up will receive {$75.00} in a crypto of your choice. I had a total of XXXX people fully referred that completed the steps. They paid me for the first XXXX however instead of the advertised {$75.00} they gave me {$50.00}. This was very disappointing. They then changed the wording to that you will receive {$50.00} for this referral however I completed it before they changed the wording. The other XXXX referals have yet to been paid out despite being completed almost XXXX week ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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 have XXXX relation to these accounts ; remove them promptly within XXXX  days per USC XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Veros Credit, LLC
State: NC

Complaint narrative:
I have a lot of thing in my name an I had my identity stolen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/year> I mailed XXXX XXXX XXXX XXXX Notice of Arbitration Election for this Citibank account pursuant to the Citibank Card Agreements arbitration clause. I have USPS delivery confirmation showing XXXX received the notice on XX/XX/year>. Despite this, XXXX continued to report and update the collection account with the credit bureaus, as shown in my credit file update on XX/XX/year>, where the balance was reported and updated at {$3400.00}. 
Once arbitration is invoked, the creditor or debt buyer is contractually barred from pursuing further collection activity, including furnishing or updating derogatory information to consumer reporting agencies. By continuing to update my credit report after arbitration election, XXXX has : Engaged in continued collection activity after arbitration election ( violating the FDCPA, 15 U.S.C.

1692c and 1692e ) Furnished or verified disputed and inaccurate information ( violating the FCRA, 15 U.S.C.

1681s-2 ( b ) ) I have made good-faith attempts to resolve this directly with XXXX but have not received any acknowledgment of my arbitration election.

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 2025-11-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: OH

Complaint narrative:
I'm XXXX and my XXXX goes to my Netspend XXXX reserved a moving service that was not available for my move, therefore I did not use the service but had to purchase another means of relocation ( which I did ) .The company that was not available charged my card XXXX. My card info was for reservation only.I contacted Netspend when I noticed the funds deducted.I submitted a dispute claim which they closed 19 days later stating I waited past the 60 day period to file disputes No where on their site have I seen this and Netspend has disputed claims that I had submitted past the 60 day period and they successfully refunded my card.They have not been transparent and says I must wait for documentation from them before they consider reopening the case XXXX agent has a different explanation and it's not helping at all.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One reinserted a paid account on my credit report without providing the required notice under the FCRA. This account has a {$0.00} balance and was previously removed, yet it was reinserted and reported as new, causing my credit score to drop. This violates FCRA XXXX ( a ) ( XXXX ) ( B ) and XXXX reporting standards, which require a reinsertion notice and prohibit re-aging or misrepresenting the date of last activity on a closed or paid account. I am requesting immediate deletion of this tradeline from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TN

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 2025-11-03 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: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
For the past XXXX years, Wells Fargo has been overcharging me late fees and taking extra money out of my account XXXX XXXX XXXX, after purchases have already been made.

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 2025-11-03 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: NJ

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( XXXX U.S. Code XXXX ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX reinserted a paid account on my credit report without providing the required notice under the FCRA. This account has a {$0.00} balance and was previously removed, yet it was reinserted and reported as new, causing my credit score to drop. This violates FCRA XXXX ( a ) ( XXXX ) ( B ) and XXXX reporting standards, which require a reinsertion notice and prohibit re-aging or misrepresenting the date of last activity on a closed or paid account. I am requesting immediate deletion of this tradeline from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
Going through my statements my XXXX XXXXXXXX accounts ( ending XXXX and XXXX ) were reported as closed in XX/XX/XXXX, yet XXXX  has continued billing me account maintenance fees of XXXX $ per account ( XXXX ). XXXX was closed on XX/XX/XXXX and account ending in XXXX was closed XX/XX/XXXX while XXXX simultaneously reporting a late on the same day. Each monthly statement from XX/XX/XXXX through XX/XX/XXXX shows a {$15.00} Account Maintenance Fee and added interest, even though the accounts are no longer active and show {$0.00} available credit. 

These are unauthorized post-closure charges in violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and unfair billing practices under Michigan law. I am requesting that XXXX  refund all maintenance fees and related interest charged after XX/XX/XXXX, adjust the balance to reflect only what was owed at closure, and confirm in writing that both accounts are permanently closed with no further fees. 

In addition, XXXX reinserted a late payment that had previously been deleted, and I am actively pursuing legal action regarding that reinsertion and continued inaccurate furnishing. They have also changed the Date Closed on XXXX multiple times, which demonstrates ongoing inaccuracy and non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I believe it was to accommodate the late. XXXX realized during my multiple disputes that an account cant be closed/late on the same day per metro guideline. 

Attached : Multiple photos of the closed dates on both accounts from all three bureaus, reinsertion dispute XXXX, statements of XXXX for XXXX XXXX showing continuing account maintenance fees on closed accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX ( deceased XX/XX/year> ) financed an HVAC installation through GoodLeap. After her passing, her son, XXXX XXXX XXXX, notified GoodLeap in writing on multiple occasions in XXXX XXXX and requested cessation of collection activity. No creditor claim was filed against the estate or trust during the statutory notice period. 

Despite being notified of the borrowers death, GoodLeap recorded a UCC-1 Fixture Filing against the property on XX/XX/XXXX, XXXXafter the borrower had passed and after they had been notified of her death. This lien was recorded against the trust property without validating the debt, without confirming ownership transfer, and without addressing the previously submitted death notice. 

GoodLeap then refused to provide verification of the original loan documents, Truth in Lending Act disclosures, or any documentation supporting their legal right to record a lien post-mortem. They also refused to communicate with the successor trustee and repeatedly routed inquiries to call center staff who were unable to address legal ownership issues or lien disputes.

The recorded lien now prevents the sale of the property, despite the fact that the borrower is deceased, no repossession attempt was ever made, and GoodLeap did not file a timely creditor claim. The successor trustee is attempting to handle the trust properly and lawfully, but GoodLeap has refused to negotiate, validate the debt, or provide a meaningful point of contact. 

This situation appears to involve : Improper lien filing after borrower death Failure to follow creditor claim requirements under California Probate Code Refusal to validate debt or provide requested documentation Unreasonable collection practices toward a successor trustee who is not personally liable for the debt We are requesting regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I am disputing a collection account being reported by XXXX XXXX XXXX for a balance of {$5400.00}, originally from XXXX XXXX. The account was placed in collections around XX/XX/XXXX. I disputed the accuracy of this account multiple times, most recently in XX/XX/XXXX, but XXXX and its servicer, XXXX XXXX XXXX, have failed to provide full validation of the debt. 

Despite my written disputes, they continue to report this account as an active collection without supplying documentation such as the original signed agreement, payment history, or proof of ownership. This is misleading and violates the Fair Debt Collection Practices Act ( FDCPA 809 ) and Fair Credit Reporting Act ( FCRA 611 ). 

I am requesting that XXXX XXXX XXXX provide full validation of this account or instruct the credit bureaus to delete the tradeline immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
On XX/XX/year> I mailed Midland Credit Management a Notice of Arbitration Election for this XXXX account pursuant to the XXXX Card Agreements arbitration clause. I have USPS delivery confirmation showing Midland received the notice on XX/XX/year>. Despite this, Midland continued to report and update the collection account with the credit bureaus, as shown in my credit file update on XX/XX/year>, where the balance was reported and updated at {$3400.00}. 
Once arbitration is invoked, the creditor or debt buyer is contractually barred from pursuing further collection activity, including furnishing or updating derogatory information to consumer reporting agencies. By continuing to update my credit report after arbitration election, Midland has : Engaged in continued collection activity after arbitration election ( violating the FDCPA, 15 U.S.C.

1692c and 1692e ) Furnished or verified disputed and inaccurate information ( violating the FCRA, 15 U.S.C.

1681s-2 ( b ) ) I have made good-faith attempts to resolve this directly with Midland but have not received any acknowledgment of my arbitration election.

Company response to consumer: Closed with explanation