vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 reported to be removed/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 may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please delete this unauthorized inquiry from my credit report. I have no knowledge of initiating it and no relationship with the listed creditor. I ask for its immediate removal to uphold the integrity of my credit 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 2025-08-26 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: CA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately.

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am sending this letter to you in response to a notice I received from you on Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalid information to any of the XXXX major Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: NV

Complaint narrative:
* * Subject : * * Complaint Regarding False Account Reporting by Self Incorporated ( Self Financial ) * * To Whom It May Concern, * * I am writing to formally file a complaint against * * Self Incorporated ( also known as Self Financial ) * * for falsely reporting a credit account to the credit bureaus under my name, allegedly related to a car account that I never applied for, opened, or received.

* * Details of the Complaint : * * - I have never opened any account with Self Financial. 
- I have never purchased or financed a car through Self Financial.

- Despite this, Self Financial is reporting a tradeline on my credit report that inaccurately reflects a credit account in my name. 
- This is a serious and damaging false report, and I believe it constitutes both a violation of federal law and a breach of my consumer rights.

* * Applicable Laws and Violations : * * 1. * * Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( a ) : * * - This law prohibits furnishers of information ( like Self Financial ) from knowingly reporting inaccurate information to credit bureaus.

- Self Financial has failed to ensure the accuracy of the information being reported under my name, violating this provision.

2. * * FCRA, 15 U.S. Code 1681i : * * - I have a right to dispute inaccurate information on my credit report. The information provider is required to investigate and correct errors. 
- I have attempted to address this dispute, but to date, the incorrect information remains, and no resolution has been provided.

3. * * FCRA, 15 U.S. Code 1681b : * * - This provision restricts access to consumer reports. If Self Financial accessed my credit report to open this alleged account without my consent, this would be another violation. 

* * Impact on Me : * * - This inaccurate account is negatively affecting my credit score and financial reputation. 
- I am now subject to financial harm through no fault of my own. 
- This situation has caused me undue stress and confusion, especially given the nature of the account ( a vehicle-related account ) which is inconsistent with Self Financials usual services.

* * Request for Relief : * * I respectfully request that the Consumer Financial Protection Bureau : - Investigate Self Financial for the unauthorized and false reporting of an account in my name.

- Require Self Financial to provide documentation verifying the origin and authorization of this account.

- Order Self Financial to delete the false tradeline from all credit reporting agencies immediately. 
- Impose any appropriate penalties for their failure to comply with the Fair Credit Reporting Act. 

Thank you for your time and attention to this serious matter. I am attaching relevant documentation to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing an inaccurate late payment that Experian is reporting on my XXXX XXXX XXXX account. My account is in good standing and has never been late. I have provided Experian with evidence, including screenshots from my XXXX account showing : Account status listed as Current On-time payments made on XX/XX/year> and XX/XX/year> Next AutoPay scheduled for XX/XX/year> Remaining balance of {$140.00} Despite this proof, Experian continues to report a delinquency. I filed a dispute with Experian under the Fair Credit Reporting Act ( FCRA ) 611, but the inaccurate late payment was not corrected. I also contacted XXXX directly, but the incorrect reporting remains. 

This is a violation of the FCRA 623 and 611, as both the furnisher ( XXXX ) and the credit reporting agency ( Experian ) are responsible for ensuring the accuracy of reported information. Reporting my account as delinquent is false, harmful to my credit score, and is preventing me from accessing fair credit. 

I am requesting that this late payment entry be deleted immediately and that my account be corrected to show its accurate status of current with on-time payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
The company Portfolio Recovery Associates received my letter to cease all phone calls and only contact me via mail on XX/XX/XXXX. I still received phone calls on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I requested a verification of whatever debt and Im still waiting on that information as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
My wallet was stolen and someone used my cards to make purchases. I didnt not authorize anyone to use them. Ive filed a police report and reached out to the company and they refuse to reopen the dispute and investigate the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Sunbit, Inc.
State: CA

Complaint narrative:
Looks like identity theft. 

XXXX accounts with credit balances were opened in my name without my consent. 

The XXXX vendors were : Sunbit, Inc. ( {$1800.00} ) opened on XX/XX/year>. Sunbit has put a hold on this fraudulent acct. 
XXXX ( {$3200.00} ) opened around XX/XX/year>. XXXX has put a hold on this fraudulent acct. 

I believe my SSN, Birthdate and Address were compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
XXXX XXXX SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXXXXXX XXXX XXXX SPRING OAKS CAPITAL LLis a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND 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 2025-08-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I obtained an installment loan from Xact Loan. The loan had an APR of XXXX  %, which is extremely high and unaffordable. The loan is structured through an out-of-state bank, which appears to be used to circumvent XXXX  legal interest rate limits. 

I am concerned that this loan is predatory due to : Excessively high APR far above XXXX caps Loan terms that make repayment extremely difficult Use of an out-of-state bank to avoid state protections I have not contacted Xact Loan to resolve this issue because the terms were set in the contract, and the APR and loan structure are inherently problematic. I am requesting that the company be investigated for potentially unlawful or predatory lending practices. 

Loan amount : {$1900.00} Date of loan : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in the amount of {$960.00}. I have disputed this item with XXXX  under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), but XXXX marked the account as meets FCRA requirements without providing me any supporting documentation or proof.

This is a violation of the FCRA because : 1. The debt has not been properly validated. No contract, signed agreement, or proof of assignment from the original creditor has been provided.

2. The account is being misreported as both a collection and a charge-off, which is inaccurate and misleading.

3. XXXX has failed to conduct a reasonable reinvestigation and simply repeated what the furnisher reported. 

I am requesting that the CFPB intervene to enforce my rights under the FCRA and FDCPA, and that this account be deleted from my XXXX credit report if it can not be fully verified with documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: IN

Complaint narrative:
I canceled my us bank credit card, a few months later a refund was processed to the card from a XXXX XXXX in for a cancelled reservation. The XXXX refund check never arrived they had my address wrong. The did a stop payment and resent the check. The second check was mailed and never showed up. stop payment issued and XXXX check sent. A manager called and said he would get it sent over night and should have it by friday, today is monday and it is still not here. The manager gave me his direct line but is now longer taking my calls. My call goes straight to voicemail

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I disputed accounts on my credit report which is reporting incorrect and inaccurate information. There are multiple accounts reporting on my XXXX credit reports which I asked for the accounts to be verified from the companys and also my report is stating accounts with the same Creditors and there are Hard Inquiries that I didnt authorized the creditor to have my information looked at to obtain credit. I disputed the accounts multiple times on which I know its stating inaccurate and misleading information and its harming my reputation and credibility to obtain products so I can receive offers from other creditors I wish for the accounts to be deleted off from reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CO

Complaint narrative:
I have been logged out of my chime account since XX/XX/year>, I did not receive my taxes due to the fact I was logged out. I did my taxes through chime. Any transaction going on within my account I have no knowledge of, if any. I have tried to request a switch of account with all my information but I have yet to hear a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/XXXX, a fraudulent balance transfer of {$1000.00} was posted to my Barclays credit card. I noticed it on my statement and immediately reported it. Barclays initially removed the charge in XXXX but then placed it back on my account in XX/XX/XXXX. I have repeatedly requested removal of the charge, reversal of fees/interest, and investigation details. Over the past 10 months, Barclays has not resolved the issue. Customer service repeatedly transfers me, keeps me on hold, and then hangs up. I called again today with no luck. This ongoing issue has harmed my credit history and caused significant stress.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally address the multiple unauthorized inquiries that continue to appear on my credit report. These inquiries are fraudulent and raise serious concerns about potential identity theft, as I have not applied for new credit or given consent for these companies to access my information. Despite previously disputing them, they remain on my report, which is unacceptable and damaging to my credit standing. This ongoing issue is not only creating unnecessary stress and XXXX  but also undermines the security of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: UT

Complaint narrative:
Hello, I received XXXX back to back transactions totalling over XXXX dollars to my cashapp. I have not interacted with this person in years and they immediately claimed to have sent it to the wrong person and wanted it refunded. XXXX says I am supposed to contact cashapp and have them sort out incorrect payments etc. I have told them to remove it from my account or whatever because I do not want to be double loss charged. They continue to push it on me to refund this and assume all liability if they charge the initial payments back and attempt a double loss scam.

Company response to consumer: Closed with explanation