vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting the immediate removal of the unauthorized transactions and incorrect information on my credit report. These errors stem from a data breach that compromised my personal and financial details, a situation that was beyond my control. Despite my efforts to resolve these issues, I am still dealing with the consequences of reporting failures that should have been corrected long ago. 
The fact that these incorrect and unauthorized entries remain on my report, even with clear evidence of a data breach, is completely unacceptable. This mishandling of my information is damaging my credit score, threatening my financial security, and preventing me from accessing important opportunities. I will no longer tolerate this negligence. 
I insist that you conduct an immediate investigation and remove these errors permanently. Any further delays, inaction, or refusal to comply will be seen as a direct violation of my consumer rights. I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other relevant laws to hold your company accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: GA

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 explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am requesting the immediate removal of the unauthorized transactions and incorrect information on my credit report. These errors stem from a data breach that compromised my personal and financial details, a situation that was beyond my control. Despite my efforts to resolve these issues, I am still dealing with the consequences of reporting failures that should have been corrected long ago. 
The fact that these incorrect and unauthorized entries remain on my report, even with clear evidence of a data breach, is completely unacceptable. This mishandling of my information is damaging my credit score, threatening my financial security, and preventing me from accessing important opportunities. I will no longer tolerate this negligence. 
I insist that you conduct an immediate investigation and remove these errors permanently. Any further delays, inaction, or refusal to comply will be seen as a direct violation of my consumer rights. I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other relevant laws to hold your company accountable.

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 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV Funding LLC is reporting a collection account on my credit file that does not belong to me. I was never aware of this account, never received any notice about it, and I have no relationship or history with the alleged original creditor regarding this debt. 

I disputed the account because it is not mine, and because the information being reported is inaccurate, unverifiable, and appears to be past the legal reporting period. 

The Date of First Delinquency ( DOFD ) being reported does not match the original timeline and appears to have been altered or re-aged, which violates FCRA 623 ( a ) ( 5 ). 
If the correct DOFD were reported, the account would be beyond the XXXX reporting limit under FCRA 605 ( a ) and should no longer appear on my credit report.

The credit bureau did not provide proper verification of this account when I disputed it. They did not produce original documentation, and the information provided was incomplete and inconsistent. This violates the reasonable reinvestigation requirements under FCRA 611 ( a ).

The continued reporting of this account also violates the bureaus duty to ensure maximum accuracy under FCRA 607 ( b )..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: OH

Complaint narrative:
On XX/XX/year>, I became aware of numerous fraudulent charges on my Discover Credit Card and reported it immediately to the Discover Fraud Department. Between the dates XX/XX/year> and XX/XX/year>, there were 36 different charges spread across multiple days that all added up to {$6100.00}. All of the charges were from " XXXX XXXX XXXX ''. I have never heard of this merchant, nor have I ever conducted a transaction with them. Discover concluded their investigation on XX/XX/year> when they gave me a phone call and informed me that they have deemed the charges non-fraudulent and will be adding the charges back to my account in which I am financially responsible for. I supplied Discover with evidence including my XXXX and XXXX account getting hit by the same merchant ( substantially less charges ) and how both of those entities deemed the charges fraud. I also informed them that I had filed a police report with the XXXX Police. Discover claims these charges are non-fraudulent because they allegedly got evidence from the merchant stating that the IP address matched what I typically use to access the Discover act. I am not sure how this is possible. When I asked Discover for this proof, they told me I had to have it subpoenaed. This was Discover 's concluding evidence and led to them ending the investigation. I have been trying to fight this because this is a very large amount of money that I would never initiate. My Discover statements can further show that I had never made a purchase from this merchant, nor had I used the credit much at all. From the point in which the investigation began, I received no communication from Discover until the week of XXXX, when they were concluding the investigation. Since the charges have been back on my account, I have filed a complaint with the Ohio Attorney General 's Office. I would appreciate any direction you can give me to resolve this issue and hold Discover liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Bright Capital Inc
State: PA

Complaint narrative:
On XX/XX/year>, I sent an email to request the closure of my account. Bright replied, saying they had filled my request. I asked Bright to issue a check or deposit the funds into the connected bank account. Bright replied they needed to verify my identity, although they did not do so, to close the account, and I have an address on file as well as an attached bank account they would regularly make withdrawals from for savings. I followed up multiple times with Bright through early XXXX and have not received the money in my Bright account, and I no longer have online access to my statements, even to see what was left in the account. When I most recently attempted to request a refund, Bright only said my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: MD

Complaint narrative:
I am filing this complaint because the credit bureaus have willfully failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i and 1681e ( b ). Despite multiple disputes and documented requests, the bureaus have * * refused to remove inaccurate, unverified, and legally obsolete information * * from my credit report.

Their failure to conduct a lawful reinvestigation, failure to provide proper verification, and continued reporting of false information is not only negligentit is * * knowingly damaging to my character, reputation, and financial standing * *. 

The information in question has * * no certified proof, no permissible purpose, and has not been validated within the statutory timeframe * *, making its continued reporting a direct violation of my consumer rights under federal law. 

Because of the bureaus refusal to correct these errors, I have suffered ongoing harm including : * Damage to my personal and professional reputation * Denial of credit opportunities * Emotional distress and unnecessary financial obstacles I am requesting immediate CFPB intervention. I want the bureaus compelled to : 1. Provide full documentation proving verification of the disputed items, * * or * * 2. Permanently delete all unverifiable, inaccurate, or outdated accounts and inquiries in accordance with FCRA requirements. 

Their noncompliance demonstrates systemic misconduct, and I am requesting full enforcement action to ensure my rights are protected and this matter is resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint because the credit bureaus have willfully failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i and 1681e ( b ). Despite multiple disputes and documented requests, the bureaus have * * refused to remove inaccurate, unverified, and legally obsolete information * * from my credit report.

Their failure to conduct a lawful reinvestigation, failure to provide proper verification, and continued reporting of false information is not only negligentit is * * knowingly damaging to my character, reputation, and financial standing * *. 

The information in question has * * no certified proof, no permissible purpose, and has not been validated within the statutory timeframe * *, making its continued reporting a direct violation of my consumer rights under federal law. 

Because of the bureaus refusal to correct these errors, I have suffered ongoing harm including : * Damage to my personal and professional reputation * Denial of credit opportunities * Emotional distress and unnecessary financial obstacles I am requesting immediate CFPB intervention. I want the bureaus compelled to : 1. Provide full documentation proving verification of the disputed items, * * or * * 2. Permanently delete all unverifiable, inaccurate, or outdated accounts and inquiries in accordance with FCRA requirements. 

Their noncompliance demonstrates systemic misconduct, and I am requesting full enforcement action to ensure my rights are protected and this matter is resolved 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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please take this off my report and forward written documentation verifying the removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
Reason for the complaint : Citibank denied my fraud dispute despite clear proof that I did not authorize the charges. I am requesting CFPB intervention under Regulation Z. 

Description : Between XX/XX/XXXX and XX/XX/year>, {$2300.00} in fraudulent transactions were made in XXXX on my Citibank credit card. Citibank notified me of the fraud alert on XX/XX/XXXX, and I immediately canceled the card. The bank issued a provisional credit but reversed it on XX/XX/year>, stating the dispute did not pass. 

I provided clear evidence that I was not in XXXX during the fraudulent period. I re-entered the XXXX XXXX  on XX/XX/XXXX and remained in XXXX XXXX, where I made multiple legitimate purchases with this and other Citibank cards. It was impossible for me to make the transactions in XXXX. 

Citibank has not provided : - The reason code - Any merchant evidence - A clear explanation for denying the dispute Under Regulation Z ( 12 CFR 1026.13 ), Citibank is required to reimburse unauthorized charges and conduct a reasonable investigation.

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 2025-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
Radius Global Solutions is reporting a collection account that is inaccurate. I paid the original creditor, XXXX XXXX XXXX, directly on XX/XX/year>. Because the debt was satisfied with XXXX XXXX XXXX, Radius Global has no remaining balance to validate and no legal authority to collect or continue reporting this 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 non-monetary relief
Consumer complaint received 2025-11-15 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: VA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  Account Number XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be, as I was NEVER late. Thanks.

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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Navy Federal incorrectly added a {$140.00} charge to my credit card balance after a failed ACH payment. A failed payment is not a purchase, bill, or debt. It simply did not go through. My statement ending XX/XX/year> shows a {$110.00} credit balance, {$0.00} past due, and no fees, which proves I did not owe this amount. 

The issue occurred because Navy Federal refunded my {$110.00} credit balance into my checking account AND reversed the failed {$140.00} payment at the same time during their nightly processing. This simultaneous processing created a ledger sequencing error, even though representatives insist there is no glitch. 

Because of this, the system : Refunded my credit THEN reversed the ACH payment THEN treated my account as if I never had a negative balance THEN recalculated my purchases incorrectly THEN added the reversed payment back into the ledger improperly So yes, the system shows {$180.00}, but it is based on Navy Federals internal error not my actual spending. 

When I called customer service, instead of correcting the error : Several representatives argued with me Misunderstood how failed payments work Tried to gaslight me by repeating incorrect information Refused to escalate the issue Claimed they can not reverse anything, which is untrue And hung up on me multiple times Even a billing supervisor misclassified the reversal I never requested or wanted my {$110.00} credit balance refunded. Navy Federal refunded it without my authorization, and then used that refund to justify the new incorrect balance. 

The incorrect {$140.00} reversal created a false balance ( {$180.00} instead of approximately {$150.00} ). I am requesting correction of the misapplied reversal and proper recalculation of my balance in accordance with the Fair Credit Billing Act. 

I understand credit and how it works, and this is clearly a billing error caused by Navy Federals processing sequence, not my actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
The following inaccuracies violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and I request immediate investigation and correction or deletion of the account in question Inconsistent High Balance Reporting : The reported high balance fluctuates drastically across credit bureaus, ranging from {$3000.00} to {$18000.00}. This inconsistency is not only implausible but also fails to meet the accuracy standards mandated by federal law. 
Conflicting Account Opening Dates : The date the account was opened varies between credit bureaus. A single account can not have multiple opening dates, and this discrepancy raises concerns about data integrity. 
Unclear Account Status and Ratings : The account is reported with conflicting statusessome bureaus list it as derogatory, others as paid. This ambiguity misrepresents my creditworthiness. 
Inconsistent Account Closure Dates : The reported closure dates differ across bureaus, making it unclear when the account was actually closed. Mismatched Creditor Type : While I understood this to be an auto loan, one bureau reports it as a personal loan. This misclassification may impact how the account is evaluated by potential creditors. 
Discrepant Last Payment Dates : The date of last payment is not consistently reported, further complicating the accuracy of the account history. 
- Varying Loan Terms : The number of months associated with the loan term differs across reports, making it difficult to determine the original agreement terms. 
These reporting errors have caused undue harm to my credit profile and may negatively affect my ability to obtain credit or favorable terms. 
On XX/XX/year>, at approximately XXXX XXXX, I contacted your collections department at XXXX to address these concerns. Unfortunately, the representative I spoke with was unable to provide clarity or initiate a formal dispute, prompting me to submit the dispute in written notice via XXXX Certified Mail for proper documentation and tracking. Still no update or respond

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Ive contacted you guys several times with police reports, affidavits notarized and through the credit bureaus. You failed to supply me with ALL or hell even any of the information needed to prove my accounts were looked into let alone the standards to NOT or to classify things as fraud. You guys even sent me letters stating my accounts were closed and I have proof which I sent of my credits and the closures I sent proof of my addresses and emails I asked for Ip address and you guys just keep sending me one thingbank statements which just proves money was used not who used it who opened the account etc. youre being hypocritical how can you collect and its a business account in some cases but still say I dont owe?? You are single handedly ruining my credit I cant get the home Im ready for and its been a year of going back and no forth from you guys. The federal law mandates standards I want to know each and everyone you guys have to keep and I want to see if you checked off every box to not have deleted the account including the fact that not all 3 agencies even have the same damn information which proves something is wrong dates, payments made or missed, even addresses dont add up. Ive waited over the 90 days and 0 fixes which is grounds for an automatic deletion unfortunately due to new law its almost impossible to get the 3 credit agencies on the line or to open complaints but you guys arent government ran so whats the issue??? You got the accounts as written off which means you collected either by tax credits or selling to 3rd parties or both so remove them please. Attached is the same policy report I sent years ago when this happened before I AM A VICTIM OF FRAUD THIS IS AN ONGOING ISSUE!! I gave the police departments number and everything else needed to confirm.

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