vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
I am reporting inaccurate and fraudulent information on my credit report. I have discovered multiple accounts listed as collections, charge-offs, and a repossession that do not belong to me and/or were opened without my knowledge or authorization. These accounts are negatively impacting my credit profile and are being reported inaccurately. The accounts in question include 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 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. I am disputing these accounts directly with the credit bureaus as well. I am requesting that the CFPB assist in investigating these matters and require the companies involved to provide full validation of these accounts. If they can not provide proper proof of my responsibility, I am asking that these accounts be removed from my credit report 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
Consumer complaint received 2025-10-16 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: I.C. System, Inc.
State: KY

Complaint narrative:
FRAUDULENT PERSONAL LOAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off FRAUDULENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY XXXX XXXXXX/XX/year>

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 2025-10-16 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: Global Lending Services LLC
State: KY

Complaint narrative:
FRAUDULENT PERSONAL LOAN - OPPLOANS/CC BANK - AMOUNT : {$1000.00} - Charge Off FRAUDULENT COLLECTIONS XXXX XXXX XXXX XXXX XXXX  AMOUNT : {$270.00} - Collection FRAUDULENT INQUIRIES - XXXX XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/year> - GLOBAL LENDING SERVICE - DATE OF INQUIRY : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i disagree with the account listed below which still appears on my credit report, even after your investigation. I would like for this item to be immediately reinvestigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX account number XXXX In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, subsection A - D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send an updated credit report after reinvestigation

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 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for a Citi Strata elite card with annual membership of {$590.00}. When I got the card I was not able to use it because the bank put a hold on the card and they sent me an irs form for income verification and told me that if I dont send it back within 30 days my account will be closed. 1 month have passed and I repeatedly asked them to close my account but it is still active. I now have a charge of {$590.00} annual fee with a minimum payment for XXXX $ due by XX/XX/XXXX. They are not closing my account even after asking them repeatedly. Can you please ask them to close it down 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 non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited a check for {$12000.00} in person with a teller at Chase bank in XXXX. This was a wedding gift from my mom for my wedding on XX/XX/XXXX. On XX/XX/XXXX, I received a message from Chase bank stating : XXXX : We need more information about your Chase account ( s ) ending in : XXXX XXXX To continue using your account ( s ), please call us at the number on the back of your debit card or account statement. Your account ( s ) may be closed soon unless you take action. Msg & Data rates may apply.

When I called, they told me my account was being closed due to a banking decision and that I wont have access to any of my money until they close my accounts and mail a check in 10 business days. With 3 days until my wedding when I need access to this money it was infuriating. I went in person to Chase bank in XXXX XXXX where the supervisor called and spoke to XXXX people explaining that the check deposited was not fraudulent. At that time, the only note on my account was that the check needed to be verified. They said it would be resolved the next day and to have my mom call to confirm the check as well. My mom called the fraud line to confirm the check and they advised that I call after. When I called they again told me the account was being closed and there was nothing I could do and gave no reason for it and again said I would have no access to my funds. So I called back the XXXX XXXX branch to update them since there was not any indication of this on my account when they looked at it earlier in the day on XX/XX/XXXX. When they looked at my account after I called again, there was a new note that they backdated to XX/XX/XXXX indicating my account should be closed. The branch supervisor said herself that what they are doing is not right and it is screwy. 

I now have no idea when Ill have access to all of my checking and savings money ( not including the check in question I had thousands of other money in there as well ). Not only is this absurd but for it to happen 3 days before my wedding is devastating. Ive made no progress on getting my money released to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: EdFinancial Services
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by Edfinancial. I have made multiple attempts to contact Edfinancial to correct their records showing late payments that were not actually made late. Despite my repeated efforts, Edfinancial has refused to update or correct this inaccurate information.

The late payments being reported are incorrect and have resulted in negative marks on my credit reports with all three major credit bureaus XXXX XXXX XXXX XXXX. I have formally disputed these inaccuracies with each credit bureau, and all three have informed me that Edfinancial must update or verify the account information in order for the correction to be made. However, Edfinancial has failed to take any corrective action or provide accurate reporting. 

Because of Edfinancials failure to accurately report my payment history, my credit score and long-established credit history have been negatively impacted. This inaccurate reporting has caused significant harm to my overall credit standing and financial reputation. I am requesting that Edfinancial immediately review and correct this matter by updating their records to accurately reflect that the payments were not late and by notifying all credit reporting agencies of the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I would like proof of such said return payment. funds were always available due to the court agreement to have the account auto debited. I did not receive any written notices .. when I called the creditor to verify what was the problem with the auto debit per the representative. They stated they have an internal process where they verify account information and because they can not get a hold of me they decided to take the account off auto debit .. at no time was there a disclosure stating that a payment was returned nor were there any further attempts from the creditor to get in contact with me. This is a tactic used by the creditor to add additional fees and interest to the account when I am already struggling to make ends meet.. I am requesting to resume the payments according to the agreement during the court hearing. It is unfair for the creditor to perform an internal process without speaking or notifying the consumer now I am stuck with additional fees and and higher monthly payments that I can not afford. The creditor is refusing to work with me on resolving this matter..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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 account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-10-16 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: CL Holdings LLC
State: TX

Complaint narrative:
Original creditor : XXXX Account number ( partial ) : XXXX Date opened : XX/XX/2023 Reported balance : {$1100.00} Credit bureau : XXXX  I am disputing a collection account that Jefferson Capital Systems , LLC is reporting on my XXXX credit file for an alleged XXXX account. I do not believe this debt is valid, accurate, or properly verified. 

I have not received any documentation or proof that verifies this debt or shows that I am legally responsible for it. The company has not provided a signed contract, detailed billing history, or any evidence connecting me to this account.

I am requesting that the CFPB review this matter and ensure that Jefferson Capital Systems provides full verification of the alleged debt or removes the account from all my credit reports ( XXXX XXXX XXXX XXXX  ) in compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: IN

Complaint narrative:
Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding RADIUS GLOBAL SOLUTION in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect.

Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the RADIUS GLOBAL SOLUTION containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in Indiana Without proof of ownership or a chain of title, XXXX XXXX XXXX has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

I am requesting the following : 1. Immediate deletion of any credit reporting related to this account.

2. Cessation of all collection activity unless and until full validation and legal standing are established. 

3. A complete investigation by your agency into RADIUS GLOBAL SOLUTION 's practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful.

Account Details ( if required by platform ) Collector : RADIUS GLOBAL SOLUTION Original Creditor : [ Original Creditor Name ] Alleged Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Date of alleged charge-off or transfer : [ Month/Year ] Date of collector 's first contact : [ Month/Year ]

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 2025-10-16 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: Kriya Capital, LLC
State: MI

Complaint narrative:
XXXX  County FOC Child support used my info without my consent \n\nXXXX  used my information without my consent XXXXXXXX  used my information without my consent'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited XXXX checks into my checking account at Bank of America XXXX for XXXX another one for XXXX and XXXX for XXXX. I got a receipt printed out stating that my check would be clear on the XXXX at XXXX am the other XXXX on the XXXX at XXXX am and another one on XX/XX/XXXX at XXXX am well I still dont have my funds and I have a receipt stating that thats when my money would be available from Bank of America XXXX Bank of America has lied and said that my money is not clear that I cant have my money that theyre putting a whole on my money because the funds are not available and just giving me the runaround Well I am going to have an investigation take place about my funds and XXXX gon na file a lawsuit and go to the media about what is taking place with my account?

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I am writing in reference to your interim response dated XX/XX/year>, regarding my complaint. Your response indicates that the matter is still being investigated and that more time is needed. 

Under federal law, consumers are entitled to a timely and substantive response to their disputes : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) : Requires that any disputed credit information be investigated and resolved within 30 days of receipt ( or 45 days if additional information is provided ). 
XXXX XXXX Billing Act ( FCBA ), 15 U.S.C. 1666 : Requires creditors to acknowledge disputes within 30 days and resolve them within XXXX billing cycles ( not to exceed 90 days ). 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 : Prohibits unfair, deceptive, or abusive acts or practices, including excessive delays or non-responses to consumer complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Subject : Notice of Breach of Contract Unlawful Vehicle Repossession ( Navy Federal Credit Union ) I am submitting my Notice of Breach of Contract and Demand for Cure regarding the unlawful repossession of the XXXX XXXX XXXX ( VIN : XXXX ) by Navy Federal Credit Union on XX/XX/XXXX. 
This matter is already the subject of open CFPB complaint # XXXX ( submitted XX/XX/XXXX ), which remains unresolved. I also previously submitted complaint # XXXX on XX/XX/XXXX, which was incorrectly marked as a duplicate to an unrelated dispute. 
Despite these prior attempts to resolve the issue, the vehicle has not been returned, and the contract dispute remains active. I request the CFPB review the attached Notice of XXXX of XXXX and assist in ensuring compliance with federal and state consumer protection laws. 
Thank you for your attention and confirmation of receipt. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation