vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital Systems has acquired XXXX accounts in my name. There is an old XXXX account that is over XXXX XXXX XXXX that this company is not providing original signatures nor documents proving how old the debt really is. I have sent them a certified letter for documentation and removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit card — Store credit 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: GA

Complaint narrative:
On XX/XX/XXXX Macys local store placed an order for a set of sheets for at total of {$330.00}. The final amount was {$320.00} ( applied reward amount of {$10.00} ) It was delivered o XX/XX/XXXX and I received a picture of my house porch that I did not recognized. I contacted Macys immediately when I received the picture saying that it isn't my house. Macys gave me credit of - {$320.00}. When I got home, the item was in my front door ( I did not realized the picture I received was showing sideway ) I contacted Macys immediately and I went on XX/XX/XXXX to return the item right away at the local Macys because it had a stain. I got a receipt showing zero returned to me. That is because at this point there was the original charge ad the credit when I returned the item, so there was no amount offset the return. A few days later, I noticed a {$330.00} on my account. I contacted Macys to let them know that I returned the item and I sent them the return receipt. I've been fighting with Macys XXXX since XX/XX/XXXX. I filed dispute several times. When I receive the letter saying that it was resolved, they charged my credit card for {$330.00} and give me credit for - {$330.00}. 
They never gave me credit for the original charge of {$330.00}. Every single time I file a dispute they keep doing the same thing. They charged me again and then give me credit. And Macys XXXX is overstating what I owe them for {$330.00}. I pay the statement balance and more every single month but I don't and will not pay {$330.00} that they claim I owe. Here are all the charges that appear on my Macys XXXX credit card. I never repurchase the item and Macys XXXX XXXX continues to charge my CC. I provided calculations showing all the transactions, twice now, and the last one was emailed to XXXX on XX/XX/XXXX. They keep saying it's resolved but the letters never show a credit. Instead, they show a charge of {$330.00} They charged my XXXX XXXX times and only gave me credit XXXX times. Again, the item was returned and I provided proof by sending copy of the return receipt via email to Macys XXXX dispute department XX/XX/XXXX {$320.00} XX/XX/XXXX - {$320.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$330.00} XX/XX/XXXX - {$330.00} XX/XX/XXXX - {$330.00} XX/XX/XXXX {$330.00} XX/XX/XXXX - {$330.00} XX/XX/XXXX {$330.00}

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 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: MD

Complaint narrative:
I responded to the promotion : " Earn {$200.00} when you Direct Deposit {$400.00} in 60 days '' The offer text promised bonus payout within 5 business days of meeting the conditions, which I did.

* To qualify for this offer, ( 1 ) you must acquire a new Netspend Prepaid Card or Netspend Debit Account, activate the Card or register the Account, and pass required identity verification between XX/XX/XXXX and XX/XX/XXXX and ( 2 ) enroll in Direct Deposit and receive Direct Deposits totaling {$400.00} or more within 60 days of acquiring the account. The qualifying incentive credit will be applied to your account within 5 business days after the qualifying direct deposit activity. Limit one ( 1 ) offer per account. Offer may not be transferred to others, exchanged for other offers, or redeemed for cash. Not valid with any other offer. Void where prohibited. Sponsor : XXXX XXXX , XXXX XXXX XXXX Member FDIC , XXXX , and XXXX are not affiliated in any way with this optional offer and do not endorse or sponsor this offer.

The CS also confirmed that I've met all conditions. The 5 business days have long been exceeded and still the bonus has not been deposited into my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: FL

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX  XXXX, PA XXXX RE : Formal Dispute of Unauthorized Access to My Credit Report Under 15 U.S.C. 1681 To Whom It May Concern : I am contacting all three major credit bureaus to formally dispute and demand a full investigation into the unauthorized access and/or furnishing of my consumer credit report. Under 15 U.S. Code 1681b, a consumer reporting agency may only provide a credit report if the person or entity has a permissible purpose and usually only with my express consent. 

I have recently reviewed my credit report and noticed inquiries or data usage by third parties without my authorization. I did not provide consent, and I do not have any relationship, application, or initiated transaction with the party or parties in question. This is a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( f ), which prohibits obtaining or using consumer information without a lawful reason. 

I hereby request : XXXX. A complete reinvestigation of this unauthorized access or furnishing of my report ; XXXX. The immediate removal of any inquiries or entries related to this violation ; XXXX. The full name, address, and contact information of any company or individual who accessed or received my credit report ; XXXX. A written explanation of how this access was deemed legally permissible under federal law. 

Please consider this letter a formal dispute and request under the FCRA. I have included copies of my government-issued ID and proof of current address for verification. I expect your findings and written response within the XXXX window required by law. 

If this matter is not resolved in compliance with the FCRA, I reserve the right to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and to explore legal action as appropriate. 

Thank you for your prompt attention. 

Sincerely, 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 2025-08-17 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXXXXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$4300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: AL

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for willful noncompliance with the Fair Credit Reporting Act ( FCRA ).

Equifax is reporting one or more collection accounts that I have formally disputed. I demanded proper validation, including : A copy of the original contract or agreement containing my wet signature.

A complete chain of custody/assignment of ownership from the original creditor to the current debt collector.

Tangible evidence beyond mere electronic database verification.

Equifax has failed to provide this documentation. Instead, they responded with a generic verified status, which does not meet the requirements of FCRA 611. This constitutes continued publication of inaccurate and unverified information on my consumer report.

Equifaxs failure to properly investigate and remove the disputed accounts is causing ongoing harm to my creditworthiness and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Commercial acceptance reporting I owe XXXX for a debt that cant be validated I have no contract with this company or the original creditor The are no statements showing payments or billing statements theres no proper ownership of this debt I didnt receive proper notification so that I could challenge the debt this is fraud.I never received any service from this company theres no valid reason this debt should be on my credit report this is criminal .I reported this company to Consumer financial Protection Bureau XXXX XXXX couldnt prove the debt was valid

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I received a response about sending documents regarding being XXXXXXXX XXXX. I am sending them again, along with information from the victims unit.

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 2025-08-17 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: CL Holdings LLC
State: DE

Complaint narrative:
To Whom It May Concern, This letter serves as my formal request that Jefferson Capital Systems , LLC immediately cease and desist all communication with me regarding an alleged debt of {$1500.00}, which you claim originated on or around XX/XX/year>. 
This request is made under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ). You are prohibited from contacting me any further regarding this debt, except to inform me that : You are terminating collection efforts, You may invoke specified remedies, or You intend to invoke specified remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have had a truck loan with XXXX XXXX for the past XXXX years, and despite making regular payments, the account is not being reported to the credit bureaus. This is hurting my credit profile because the positive history of an active installment loan is missing. It appears that either XXXX has not submitted the account properly to the credit bureaus, or the bureaus have failed to match it to my file due to an error. I am requesting that this account be accurately reported to all three major credit bureaus so my credit history reflects the loan I have been responsibly maintaining. 

In addition, I have several credit inquiries that I did not authorize, which are also harming my score. Under the Fair Credit Reporting Act, I have the right to dispute and remove inaccurate or unauthorized inquiries, and I request that these items be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have had a truck loan with XXXX XXXX for the past XXXX years, and despite making regular payments, the account is not being reported to the credit bureaus. This is hurting my credit profile because the positive history of an active installment loan is missing. It appears that either XXXX has not submitted the account properly to the credit bureaus, or the bureaus have failed to match it to my file due to an error. I am requesting that this account be accurately reported to all three major credit bureaus so my credit history reflects the loan I have been responsibly maintaining. 

In addition, I have several credit inquiries that I did not authorize, which are also harming my score. Under the Fair Credit Reporting Act, I have the right to dispute and remove inaccurate or unauthorized inquiries, and I request that these items be deleted 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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Timeline of Events : XX/XX/year> : Submitted a formal written request via the CFPB Complaint Portal demanding a security freeze on my consumer credit file under 15 U.S.C. 1681c-1. Provided : Copy of government-issued identification Copy of recent utility bill ( dated XX/XX/year> ) for address verification XX/XX/year> : The company responded via CFPB portal ( Ref : [ Complaint ID if available ] ), refusing to process the freeze. They falsely claimed : The request " does not appear to have been sent directly by you or authorized by you '' Demanded additional documentation unrelated to freeze requirements ( e.g., SSN, dispute-specific forms ) Key Issues : Violation of Federal Law : Failed to place freeze within 3 business days as required by FCRA 1681c-1 ( b ) ( 1 ) ( E ) for written requests.

Bad-Faith Delaying Tactics : Rejected standard identity verification documents accepted by 8 other credit reporting agencies for identical requests.

Misrepresented freeze requirements by demanding reinvestigation procedures ( 15 U.S.C. 1681i ) instead.

Pattern of Noncompliance : All other agencies complied with identical documentation ; this company alone imposed unlawful barriers.

Demand : Immediately place the security freeze and provide written confirmation/PIN. Failure will prompt escalation to regulatory agencies and legal action for willful noncompliance ( 15 U.S.C. 1681n ).

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 2025-08-18 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: IL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
A few years ago, I deposited funds into my Navy Federal account from a vehicle sale. After a short hold, the funds were released and I withdrew them. Later, I was told the funds were fraudulent, and Navy Federal reversed the transaction, closed my account, and charged me for the balance.

I did not know the funds were fake and had no intent to misuse the account. I believed everything was legitimate at the time. I attempted to resolve the matter directly with the company, including submitting a formal written request asking for account reinstatement and balance removal.

Im requesting that Navy Federal consider reinstating my membership and clearing the balance, given that this resulted from an external scam I was unaware of and not from intentional misuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
XXXX  has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer.

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