vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Experian and XXXX have allowed an Unlicensed Debt collector to furnish my credit report with incorrect data. According to : ( 205 ILCS 740/4 ) ( was XXXX ILCS XXXX ) ( Text of Section before amendment by P.A. XXXX ) Sec. XXXX. No collection agency shall operate in this State, directly or indirectly engage in the business of collecting debt, solicit debt claims for others, have a sales office, a client, or solicit a client in this State, exercise the right to collect, or receive payment for another of any debt, without obtaining a license under this Act except that no collection agency shall be required to be licensed if the agency 's activities in this State are limited to collecting debts from debtors located in this State by means of interstate communication, including telephone, mail, or facsimile transmission, electronic mail, or any other Internet communication from the agency 's location in another state provided they are licensed in that state and these same privileges are permitted in that licensed state to agencies licensed in Illinois. 
( Source : P.A. XXXX, eff. XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: FL

Complaint narrative:
Conduct a complete reinvestigation of the XXXX XXXX XXXXXXXX XXXX XXXX account ( # XXXX ) and verify payment records directly with the furnisher. 

Confirm that the account is accurately reported as Paid or Paying as Agreed Never Late ( PAANL ) for all months, consistent with the verified payment history.

Remove or correct any inaccurate late payment notation, if present, to ensure the report reflects the true on-time status of this account.

Provide written confirmation once the reinvestigation is completed and the account information has been verified as accurate. 

Ensure compliance with the Fair Credit Reporting Act ( FCRA ) by preventing any future reinsertion of inaccurate information without proper certification from the furnisher, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Send a corrected and updated copy of my Equifax credit report showing the verified and accurate payment history for this account.

These actions would ensure that Equifax maintains the accuracy and integrity of my credit report in accordance with 15 U.S.C. 1681e ( b ) and 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: FL

Complaint narrative:
I've noticed inaccurate information on my credit report this is hurting my credit to obtain credit. Please due a full investigation and delete the inaccurate information in a timely manner. 
Account name XXXX XXXX XXXX XX/XX/23 Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
Hello I am disputing charges with XXXX that is currently on my account under debt collector named RADIUS GLOBAL SOLUTIONS LLC . I am drained because this account was XXXX XXXX XXXX and they just recently reported this on my account and the account was already paid in full before leaving. XXXX  has charge me {$75.00} on top of my bill for over 2 years without knowing after explaining to them multiple times and they acknowledged it they only wanted to give me a {$40.00} credit to my account. They accused me of having XXXX phones and I only have XXXX. The first one was returned to them in order to get a new one. If I dont return the old one they could never give me a new one. But they are charging me for XXXX phones and charging me {$240.00} a month for phone services that they told me will be {$130.00} a month including taxes and fees. I continue to complain to them calling them almost XXXX times a month and nothing was ever resolved even speaking with management didnt resolve the issues. Because they took {$75.00} additional from me monthly for over 2 years and dont want to reimburse back the funds they begin to toss me around so I gave up arguing with them and switched to XXXX since switching to XXXX XXXX years ago. They just place a bill of {$1900.00} on my credit report how disrespectful and fraudulent on their end to do something like that. I am disputing this because talking to them or collection isnt going anywhere and I have few friends who also fell victims to XXXX scheme and games. Please help me get this off my credit and help me resolve this with them. I only had XXXX phone line and XXXX phone my last balance on the account management told me they will waive it due to the over charging but I guess not they lied and even triple the charges. Ridiculous

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 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: NY

Complaint narrative:
Relay Financial has frozen my business checking account and is withholding my funds during a prolonged " review '' of a resolved incident involving a {$2800.00} fraudulent check deposited by a customer. No funds were lost by Relay, XXXX XXXX, or XXXX  check was returned as " Altered/Fictitious, '' debited from my account, and the matter was cleared via customer service and direct client contact in XX/XX/year>. My account remains in good standing with a positive balance, yet access to transfers is blocked, violating fair access to my own funds under banking regulations. 
I am told that when compliance completes its investigation, my funds will be released via a check sent to my known address. They also closed my account partially, not allowing access to my operational funds, causing hardship for my business and family expenses like XXXX  for my XXXX child. My rent is due and I am not able to access my funds. I was forced to open an account with another bank and start forwarding earnings there, but the money in my Relay account holds my rent and living expenses in the account for no true reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Marlette Funding, LLC
State: FL

Complaint narrative:
I sent XXXX XXXX XXXX emails on XX/XX/XXXX and XX/XX/year>, offering a {$2500.00} settlement for account ending in XXXX and requesting all communication be in writing via email. They have not provided written confirmation of the settlement, a method for submitting payment, and continue to call me without responding in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: CA

Complaint narrative:
My chime account had unauthorized transactions that totaled XXXX, I reported this to the company and they began a dispute. I informed the company I'm experiencing a hardship and I requested my provisional credit. They said I qualify for the provisional credit but yet has to applied the credit to my account. I need the credit in order to pay a utility bill to avoid service interruptions. A long with daily expenses I'm facing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This is for Citi bank. 


I am writing again because I have now called your support line XXXX times since Friday without resolution. My account was blocked without any notice or explanation, immediately after I transferred legitimate funds between my own verified accounts. 

Here are the details : I received my paycheck and deposited funds into my XXXX account ending in XXXX. 
I transferred {$1500.00} to my Citi Bank account via XXXX. 
I then transferred {$1000.00} back into my XXXX account ( via XXXX XXXX ) to pay my bills. 
After completing those payments, I transferred {$900.00} back to my Citi account via XXXX. 

All transactions were legitimate, personal, and fully verifiable. No suspicious or unauthorized activity occurred. 

However, I received no warning whatsoever that my account would be blocked. I discovered the issue while trying to purchase my sons XXXX XXXX  medication, and my card was declined. Just XXXX minutes earlier, I successfully placed an XXXX XXXX order proving my account was active until that moment. 

Because of this wrongful block, my son suffered a XXXX XXXX and was hospitalized after a XXXX. If he experiences another one, it could be XXXX. This situation is beyond unacceptable. 

I am demanding that my account be unblocked immediately and all restrictions lifted. I am also requesting the name and mailing address of the department responsible so I can submit my sons hospital bill, as your actions directly caused this XXXX XXXX 

I have screenshots and proof of every transaction referenced above and am prepared to provide them upon request. 

This matter is urgent and requires your immediate attention. Please respond today to confirm that my account access has been restored.

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 2025-10-12 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT

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 2025-10-12 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: CA

Complaint narrative:
XXXX XXXX Bank XXXXXX/XX/XXXX account number # XXXX charged off {$530.00} an account was at XXXX balance as a Charge-off with a balance owed after being sold to collections, which constitutes double reporting in violation of the FCRA and CFPB guidelines. Request : Remove this du [ .. Double Reporting of Derogatory Status : It is improper to report both a charge-off and ongoing monthly delinquencies simultaneously. This is misleading and constitutes double jeopardy under credit reporting standards. XXXX. Incomplete Data [. ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: CA

Complaint narrative:
XXXX XXXX Bank XXXXXX/XX/XXXX account number # XXXX charged off {$530.00} an account was at XXXX balance as a Charge-off with a balance owed after being sold to collections, which constitutes double reporting in violation of the FCRA and CFPB guidelines. Request : Remove this du [ .. Double Reporting of Derogatory Status : It is improper to report both a charge-off and ongoing monthly delinquencies simultaneously. This is misleading and constitutes double jeopardy under credit reporting standards. XXXX. Incomplete Data [. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Today I received an alert that an account that I have no knowledge of was furnished on my credit report I am also am victim of identity theft and would like this account removed and blocked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union for deceptive loan servicing, bad faith conduct, and unlawful interest overcharges involving misuse of a title perfection clause. 

In XX/XX/XXXX, I financed my vehicle through Navy Federal at 4.39 % APR for 72 months with a monthly payment of {$560.00}. The dealer, XXXX XXXX, failed to deliver the title or record Navy Federal as lienholder in a timely manner, as required under California law. XXXX sold me a lease-return vehicle from Illinois even XXXX it did not yet have the title, later sending me a wrong title for a different VIN. XXXX incompetence, disorganization, and illegal practices delayed lawful registration years. 

Although this problem was entirely caused by the dealers statutory violations, Navy Federal shifted the burden onto me and raised my interest rate from 4.39 % to 15.5 % under a title perfection clause despite having XXXX control over the situation.I remained in contact with Navy Federal for years while resolving the title issue and was verbally assured by multiple employees that once the XXXXien was perfected, all excess interest would be refunded and my loan restored to its original rate. 

On XX/XX/XXXX the lien was perfected.On s XX/XX/XXXX call, a Navy Federal supervisor told me my rate had been corrected back to 4.39 % APR effective XX/XX/XXXX, with a new payment of {$700.00}, but that the excess interest collected during the 15.5 % penalty period would not be credited. This directly contradicted prior verbal assurances. My account still shows 15.29 % APR and a {$730.00} payment, far above the original {$560.00} payment required under the contract. I attempted to escalate this and was told a case manager would contact me within 48hrs. I have received no such communication.

Navy Federal now holds the perfected title, yet continues to retain unearned interest and overpayments totaling more than {$8000.00}, constituting unjust enrichment, misrepresentation, and bad-faith servicing. This conduct violates the Fair Credit Billing Act and federal prohibitions on unfair and deceptive acts or practices ( UDAAP ).

I request that the CFPB investigate Navy Federals use of title perfection clauses, compel correction of my APR and monthly payment, and require reimbursement of all excess interest and overpayments collected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX is reporting multiple collection accounts that were purchased from Comenity Bank and Comenity Capital Bank. The original Comenity accounts are still appearing on my credit report with active balances, which results in duplicate reporting of the same debts and inflates the total amount I appear to owe. 

The duplicate accounts are from the following creditors : Comenity Bank XXXX XXXX Comenity Capital Bank XXXXXXXX Comenity Bank XXXX XXXX Comenity Bank XXXX XXXX Account If XXXX purchased these accounts, Comenity should have updated its tradelines to show XXXX balances and sold or transferred status. Instead, both companies are reporting the same debts as active and unpaid. I have disputed this issue before, but XXXX has not provided documentation proving ownership or corrected the duplication. Their reporting creates the false appearance that I owe multiple debts when there was only XXXX per account. This violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act because it misrepresents the amount and status of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: KY

Complaint narrative:
Midland Credit Management is reporting a collection account that they state was purchased from XXXX XXXX. However, XXXX XXXX  is still reporting the same account on my credit report with an active balance. 

This means both companies are showing balances for the same debt, which is inaccurate and misleading. If Midland purchased the account, Comenity should have updated their tradeline to reflect a zero balance and sold/transferred status. That has not been done. 

I have already disputed this issue, but Midland has not provided proof of ownership or corrected the duplication. As a result, the same debt appears twice, which violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
On or around XX/XX/XXXX, I was contacted by a creditor about an account allegedly opened in my name with a balance of XXXX. I had no knowledge of this account and requested documentation to verify that it was mine. 

On or around XX/XX/XXXX, I was contacted again regarding another account allegedly opened in my name, this time showing a balance of XXXX I made the same request for proof of ownership. 

Instead of providing any documentation, one of the representatives made an inappropriate comment, stating that people like me should pay their debts. Because no proof or verification was provided, I informed the creditors that until they could send valid documentation confirming that I was responsible for these accounts, they should not contact me again. 

To date, I have not received any documents or confirmation linking me to either of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: OK

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-12 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: FL

Complaint narrative:
Conduct a complete reinvestigation of the XXXX XXXX XXXXXXXX XXXX XXXX account ( # XXXX ) and verify payment records directly with the furnisher. 

Confirm that the account is accurately reported as Paid or Paying as Agreed Never Late ( PAANL ) for all months, consistent with the verified payment history.

Remove or correct any inaccurate late payment notation, if present, to ensure the report reflects the true on-time status of this account.

Provide written confirmation once the reinvestigation is completed and the account information has been verified as accurate. 

Ensure compliance with the Fair Credit Reporting Act ( FCRA ) by preventing any future reinsertion of inaccurate information without proper certification from the furnisher, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Send a corrected and updated copy of my Equifax credit report showing the verified and accurate payment history for this account.

These actions would ensure that Equifax maintains the accuracy and integrity of my credit report in accordance with 15 U.S.C. 1681e ( b ) and 1681i ( a ).

Company response to consumer: Closed with non-monetary relief