vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/year> I purchased a membership from XXXX for XXXX. I cancelled it 2 days later and got a confirmation email. Weeks went by and i still didn't receive my refund. I asked Citi to step in and they did. I was given the credit. They asked me to submit the documents. It either slipped my mind or they didn't give me the email to send it to. Months go by and the credit is reversed. I'm out of the XXXX  and when I get back I was going through a move and didn't see it. I finally reach out to Citi and asked them why it was closed and they tell me they didn't get the documents. I offer to submit the documents but I kept hearing that the case couldn't be opened. Weeks go by and I finally get it opened, they said to submit the documents, I did. I opened my account again and they said it was closed because the time frame for the case being opened is too long. Case number : XXXX

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 2025-08-26 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:
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 : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$120.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2900.00} 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, 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 2025-08-26 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : IR Date : XX/XX/year> 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 2025-08-26 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information on my credit report, similar to the concerns outlined in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The CFPB lawsuit alleges that Experian has systematically failed to reasonably investigate consumer disputes, improperly handled dispute documentation, and failed to ensure the accuracy of consumer credit files. I have personally experienced many of these same issues, and I demand immediate corrective action and deletion of accounts referenced

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 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc.
State: UT

Complaint narrative:
Subject : Formal Complaint Regarding Improper Debt Collection and Credit Reporting by NAR To Whom It May Concern, I am writing to formally dispute a debt being reported by NAR and to file a complaint regarding their handling of this matter.

NAR first contacted me regarding an alleged debt and stated that if I disputed the charges, I should contact them within a specific timeframe. I called immediately and disputed the debt, explaining that a company can not attempt to collect without valid proof. I expected that documentation would be provided to verify the claim, as required by law. 

On XX/XX/2025, I discovered that NAR had reported a negative item on my credit report without ever sending me verification of the debt. I contacted them again the same day to dispute the debt a second time. During this call, I was transferred to their legal department and spoke with a representative named XXXX. After placing me on hold to consult a supervisor, she returned and stated that I had signed an agreement for multiple services, speaking in a rude and aggressive manner. I again requested proof of the alleged debt. XXXX asked for my email address and said she would send documentation, but could not explain why the account was reported to the credit bureau without providing me proper notice or verification beforehand. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute a debt and to receive proper validation before any reporting to credit bureaus occurs. NAR has failed to comply with these requirements by reporting an unverified debt and by not providing me with the requested proof in a timely manner. 

I respectfully request that this matter be investigated and that the negative reporting be removed until NAR provides proper verification of the debt, if any exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: SC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
The account was paid at the promotional rate and I closed the account in XXXX. I'm attaching a dispute letter from XXXX. Additionally, the following information is in regards to a collection statute of limitations : Collection accounts generally stay on your credit report for XXXX years plus 180 days from the original date of delinquency on the account with the original creditor. 
When a debt is sold or transferred to different collection agencies, it remains the same underlying debt with the same original date of delinquency. 
Therefore, regardless of how many times the debt is sold, the seven-year reporting period starts from that original delinquency date and does not restart with each new agency. 
Each collection agency that acquires the debt may create a new entry on your credit report, but these entries will still be tied to that original delinquency date, not a new one.

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 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK
State: CO

Complaint narrative:
with in the second week of XXXX. I had got taken with a crypto currency scam. I had lost XXXX XXXXXXXX XXXX. I contacted 1st bank XXXX XXXX the minute I found out it was a huge scam. With in 30 days after I had to keep calling to find answers of what was happing with my case. They had call me back and said transactions were on your phone we can help you. Which made no sense, I explained to them that I had made a case with the FTC about this company, and I have all supporting screen shots and messages about every transaction. They still refused to help me with getting my funds back. They stated they had sent a letter stating the denial and we have yet to see that. We filed a complaint with the FDIC and they referred us to the CFPB, can you please help us. This all took place on the week my wife and I had received our pay checks and are really struggling at the moment. Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
XXXX ) On XXXX XX/XX/year>, I used my Visa debit card at Number XXXX Nails in XXXX XXXX XXXX 
The merchant required me to PAY AN EXTRA FEE OF {$2.00} / MEET A MINIMUM PURCHASE OF {$55.00} in order to complete the transaction with my debit card. My service was {$40.00}. I was charged {$57.00} to meet their minimum and a service fee. 

XXXX ) on XXXX and XXXX XX/XX/year>, I took my XXXX pets to XXXX XXXX XXXX in XXXX Kentucky. They charge a 3 % " convenience fee '' for using a card ( debit or credit ). 

I attempted to file a dispute with Navy Federal Credit Union ( my card issuer ). On XXXX XX/XX/year>, at the XXXX XXXX  location. The XXXX, XXXX, adamantly told me this was a merchant issue and refused to log my complaint. 
When I contacted the disputes department, they also refused, saying because I did receive the goods/services it was not disputable. This ignores the issue : the illegal surcharge/minimum fee on a debit card transaction, which is a compliance violation. 

This practice is prohibited by : The XXXX XXXX, Dodd-Frank Act ( 15 U.S.C. 1693o-2 ; Section 1075 ) XXXX and XXXX rules XXXX which explicitly forbid merchants from imposing minimum purchase requirements or surcharges on debit card transactions. 
Why This is a Violation : Under Regulation E ( 12 CFR Part 1005.11 ), card issuers must investigate disputes of unauthorized or improper electronic fund transfers ( EFTs ). Improper surcharges on debit fall under this category. 
By refusing to even accept my dispute, Navy Federal is violating Reg Es investigation requirement.

Navy Federal also failed to escalate my complaint to XXXX , despite being a participating issuer obligated to enforce their rules. 



Supporting Documentation : Receipt showing the surcharge/minimum fee. 
Photo of merchant signage ( if available ). 
Notes on conversations with Navy Federal staff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
On XX/XX/year>, I mailed a written dispute and demand for full validation of an alleged debt Midland Credit Management is reporting with a balance of {$3900.00}, originally tied to XXXX XXXX XXXX XXXX XXXX XXXX I requested the full name and address of the original creditor, a copy of the original signed agreement showing I am legally responsible, proof that Midland has legal authority to collect ( chain of assignment ), a full charge-off and payment history from the original creditor, an itemized breakdown of the balance, and all documentation of fees, payments, or interest applied. 

On XX/XX/year>, Midland sent a response consisting only of billing statements and balance summaries. These documents do not constitute full validation under FDCPA 809 ( b ) or FCRA 623 ( b ). They did not provide the original signed contract, proof of ownership/assignment, or a complete accounting history. 

Despite failing to validate, Midland continues to report this account to the credit bureaus as if it were accurate and legally owed. Reporting a debt to the credit bureaus is considered collection activity, and continuing to do so without proper validation is a violation of federal law. 

I am requesting that Midland either provide complete validation with all legally required documentation, or immediately cease collection activity and permanently delete this tradeline from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
WILLIAMS RUSH & ASSOCIATE is a new credit that was reported as debt for XXXX. The account was open on XX/XX/year>. I never opened an account on that day for that amount. This incorrect information has dropped my credit score by XXXX points.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-26 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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