vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EGL US, LLC
State: FL

Complaint narrative:
Hi CFPB, Im reaching out because I just noticed a new collection account pop up on my XXXX  credit report from a company called XXXX XXXX, listed as XXXX, for around {$6000.00}. I have no idea what this is, and Ive never received any notice or communication from them before this showed up. 
This account is not on my XXXX  or XXXX  reports, only XXXX, which seems odd and makes me question the accuracy of the reporting. Ive never had any dealings with XXXX XXXX, and Im worried this could be a mistake, a reporting error, or even identity theft.

I tried to look into it, but I couldnt find any real information or documentation about this debt. I feel like this company is just throwing things on peoples credit reports without proper verification. I want this investigated and removed if they cant prove its legit.

Please help me get this resolved. I work hard to keep my credit clean, and this is really frustrating.

Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/XXXX Discover approved an online application for a new line of credit of XXXX XXXX dollars. On the XXXX the card was mailed, and I never received the physical card. On XX/XX/XXXX unauthorized purchases were made by someone else who called my personal cell asking for a driver 's license photo front and back sent via text. Immediately I knew something was wrong. I hung up and immediately Discover Card customer service was calling me to verify current situation and charges. I explained what was happening. The unauthorized charges were reported immediately on XX/XX/year>. I was explained that the situation was being handled and addressed accordingly. I was confident Discover verified that I was not the one using the card at the time unauthorized purchases were made at a XXXX XXXX XXXX totaling over XXXX dollars. 

The agent on the phone assured me a new card was being sent out due to the situation. A new card was issued, and original card was canceled. I have since reported identity theft to my local police department and USPS services for fraudulent activity. Credit card Company Discover stated account would undergo a 90-day investigation would take place. They denied the first investigation and did not explain why. I have now reached out to my attorney to fight this current unjust situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI

Complaint narrative:
So I have a USAA checking account, on XX/XX/year> I got a phone call on my XXXX from USAA with their exact phone number. 
So I answered confident it was them and they said that there were 2 suspicious transactions on my checking account ( XXXX ) a wire transfer and a XXXX transfer one for {$1500.00} dollars and one for {$1000.00} dollars. The {$1000.00} I got back through disputing it with USAA but was denied the {$1500.00} return and now my bank is looking for that money back which I dont have because it was stolen.

The scammers disguised as my bank said I had to set up 2 transactions matching the dollar amounts of the fake fraudulent transfers they told me about ( the XXXX and wire transfer ) so they can start the legal process and dispute. I believed them and followed their steps. I told them I do not have funds available to put in the transfers for them to dispute. They said this doesnt matter they just need to see it in their computer to start the legal process. They knew the USAA banking app screen for screen and walked me through it doing the transfer with an old external account that I dont have funds in anymore and that bank is a XXXX XXXX XXXX account. 

Any help would be greatly appreciated. I no longer have those funds that were stolen from me so I dont know what to do. 

Thank you, XXXX XXXX ( XXXX ) 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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is 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 non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear CFPB, I am submitting a formal complaint regarding Bank of Americas handling of my XXXX Credit Card account ending in XXXX. The bank reported late payments to the credit bureaus, which I believe resulted from their failure to provide proper billing notifications not consumer negligence. 

I applied for the XXXX Credit Card to take advantage of a promotional offer, which was never applied. 
I never received the physical card, paper statements, or email notifications indicating a statement was ready to view. 
The only emails I received were : XX/XX/XXXX : Email verification ( completed ) XX/XX/XXXX : Your card is on the way XX/XX/XXXX & XX/XX/XXXX : Customer service survey requests The first and only notice I received regarding a payment due was a letter dated XX/XX/year>, stating that payment had not been received. Upon receiving that letter, I immediately contacted Bank of America and paid the full balance on XX/XX/year> ( Confirmation # XXXX ). 

Failure to Provide Required Notifications Bank of America later claimed I was enrolled in electronic statements during the application process. However : I never created an online account or received login credentials. I never received any email stating Your statement is ready to view, which is standard for e-statements. Without such notice, no paper statements or physical credit card, I had no indication that a bill was outstanding. 

Evidence of Bank Error On XX/XX/year>, a Bank of America representative confirmed that even if enrolled in e-statements, I should have received an email notification when a statement was available. I did not receive any such notification.

Bank of America has since refunded all late fees and interest charges, as reflected in my most recent statement. This refund strongly suggests acknowledgment of their error. If the late payments were truly my fault, these refunds would not have been issued.

Impact This error resulted in negative reporting to all credit agencies, adversely affecting my credit score. XXXX  and XXXX  have corrected my report ; however, XXXX  declined to update, citing Bank of Americas certification of accuracy. I recently provided XXXX  with my latest Bank of America statement showing all fees and interest were refunded, requesting reconsideration based on this evidence.

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 2025-11-05 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: LA

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 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 2025-11-05 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: IN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
Credit Collection has placed a collection on my credit for {$280.00}. Back in XXXX, I asked for proof of the debt and they never answered. I am trying to buy a house and this information is causing me to be denied for a mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: KS

Complaint narrative:
I was the victim of an armed robbery. My purse and phone were stolen. The individual responsible ( named in police report XXXX ) accessed my Chime account and drained my funds.

I contacted Chime immediately. While I was on the phone with Chime support, the robber changed my account phone number and email back to their information in real time. Chime witnessed this account takeover occur during the live call and had to secure my account again.

Chime refunded one unauthorized transaction ( {$150.00} sent to the individual who robbed me ), acknowledging fraud. However, Chime instantly denied the remaining unauthorized transactions totaling {$340.00} without conducting a reasonable investigation. This violates Regulation E.

I am requesting Chime reopen the dispute, investigate properly, and issue provisional credit for the remaining {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. Equity Advantage Holdings, Inc.
State: OH

Complaint narrative:
The company AutoPayPlus and XXXX XXXX XXXX mis led me into believing that they would help me payoff my auto loan faster by 6months by using AutoPayPlus. However AutoPayPlus were not up front with their program fees and miscellaneous charges for their services. They did not tell me there was going to be XXXX charge for their service along with ACH fees. Also along with collecting my my from my paycheck every two weeks there is an additional 3rd week twice a year that AutoPayPlus is supposed to send XXXX XXXX principal payments. However they DoNot. For example on XXXX XXXX they withdrawal XXXX and on XXXX XXXX they only sent XXXX XXXX XXXX a difference of XXXX. Where is the extra money? This has happen several times throughout the auto loan for different amounts of money. When asking them where is the extra money going they refer me off to another manager.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-11-05 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: TX

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 2025-11-05 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/XXXX I paid my attorney {$9500.00}. 
XXXX XXXX posted on XX/XX/XXXX. 
XXXX in escalation employee # XXXX refused to post on XX/XX/XXXX and he said under no circumstances would it go under the 0 % promo for XXXX XXXX 
FRAUD=Trying to deceive customers by lying, just like we would get charged with fraud by trying to deceive a banking institution!! 
I talked to him @ XXXX a.m. XXXX, he needs to be investigated for lying just like fraud and telling me the merchant didn't run it until XXXX and I know that is untrue because it got declined the first time and I called and she ran again and it went through on XX/XX/XXXX. 
I wanted his boss and he said he doesn't take phone calls, 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 2025-11-05 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: PA

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 2025-11-05 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:
Please inspect this record closely ; it appears late and possibly incorrect.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX I opened a checking account online with Truist and made an initial deposit with my 3rd party debit card of {$60.00}. At that time I received confirmation that my account was opened. 
XXXX I made an additional deposit by bank transfer from my 3rd party account in the amount of {$800.00} XXXX I tried to login to my account and was unable to do so. I went to a local bank branch and they indicated that the account had been closed. 
XXXX I contacted Truist by telephone and attempted to gather further details about why my account had been closed and to confirm the status of the two deposits. They refused to provide any additional details. 
XXXX I received a letter by ordinary mail from XXXX XXXX XXXX XXXX, indicating that my account with Truist was blocked and closed with a notice date of XX/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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had called in about fraud for a charge from XXXX on my account got a new card XXXX  started charging it before I can even use the card I called the bank they informed me that they shared my new debit card information with XXXX and now also shared with XXXX XXXX and XXXX and the fraud was about a XXXX charge and they still shared with them again over {$100.00} missing out of my account due to them sharing my card information

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 2025-11-05 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: NY

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This complaint is being submitted intentionally and not by mistake. I have contacted the credit bureau several times, asking for all dispute remarks to be deleted and for any open investigations on accounts I am no longer disputing to be closed. Despite my ongoing efforts, these dispute comments are still showing on my credit report. Their continued presence is creating unnecessary complications, especially since I am currently applying for a mortgage. Having in dispute or similar statements makes my credit file appear inaccurate and is directly impacting my ability to move forward with the process.

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 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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