vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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 15 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 seven 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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the inaccurate late payments reported on XXXX XXXX under my credit file under 15 U.S. Code 1681a. My records indicate that I was never late on the following dates : XX/XX/XXXX XX/XX/XXXX I request a full verification of these reported late payments, including any supporting documentation that proves their accuracy. If verification can not be provided, I demand that these late payments be removed or corrected immediately in compliance with the Fair Credit Reporting Act ( FCRA ). 

Attached to this email are supporting documents, including my [ payment records, bank statements, or any other proof ], demonstrating my 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 2025-04-01 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:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-03-31 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-03-31 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: NC

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-03-31 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: NC

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
The bank called me as part of CFPB complaint # XXXX internal investigation. USAA Member advocacy, XXXX XXXX, called me and repeated the same stories I have been discussing with the USAA since XX/XX/year>. I need to request a new 'Letter of Indemnity ' from the Defense Finance and Accounting Service ( DFAS ). The USAA already responded to the initial 'Letter of Indemnity ' from the DFAS . so I need to request another 'Letter of Indemnity. ' I also need to hurry because the funds have already been deposited into the wrong account. If the account owner has already spent the money, there is no way to retrieve the funds from the account, and she said it was part of my agreement, so there's nothing I can do. I demanded that she write me a letter instead of telling me over the phone and asked for her contact information, but she said I sent you my information through email on XXXX XXXX and refused to give me the information in writing. I checked the email, and she claimed it did not include her contact information, last name, or extension. The USAA employee, XXXX XXXX, is clearly providing the wrong information, and I am very concerned about the USAA 's business ethics. Is it true that you can keep the money when the bank error is in your favor? Also, what would the outcome be if the USAA had already responded to the initial Letter of Indemnity from the DFAS? And why do you keep asking me for the letter of indemnity and asking me to contact the DFAS, not trying to resolve the issue because the funds are in your bank? Does the USAA have any intent to solve this issue for me or keep putting me in the wrong direction?

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 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
NCB Management Services is trying to collect a debt I does not owe I requested a validation of debt which I have not received, also I'm aware this company has been sued multiple times for violating The Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. However, I did not give this company consent to furnish my credit report which is a violation of the FCRA, also I do not have a contract with this company, this company couldn't provide me with a signed contract with my signature, as well as anything making me responsible for this alleged debt. this company is ruining my credit worthiness which is a violation of Defamation of character, many violations according to the FCRA Failure to respond satisfactorily with an update of the above referenced account, and send the update to the credit agencies once the changes has been made with result in legal actions being taken against your company for which I will be seeking {$1000.00} per Violation 1Defamation of character ( per se ) Fair Debt collection practices act violations 15 USC 1692g Validations of debts, FCRA violations 15 USC 1681 violation for willful compliances-616 civil liability for willful non compliances ( 15 USC 1681n ) and also Negilgent enablement of identity fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — Store credit card
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: MD

Complaint narrative:
I am filing this complaint regarding ongoing billing discrepancies and unauthorized charges associated with my closed Macys credit card account ( last four digits : XXXX ). 

Issue Summary : I closed my Macys credit card account on XX/XX/XXXX ( attached proof of closing ). 
The remaining balance was fully paid in-store on XX/XX/XXXX ( attached receipt from the XXXX statement ). 
Despite this payment, Macys still attempted to charge my previously linked checking account, which had already been closed. This resulted in a returned payment and subsequent fees and penalties on my XXXX statement. 
Since the Macys credit account was closed, I did not have online access to review statements, nor did I receive a physical statement, making me unaware of the issue. 
By XXXX, additional fees and interest had accumulated, further increasing the outstanding balance and negatively impacting my credit score. 

Actions Taken : Upon discovering the issue through a credit score drop, I immediately contacted Macys credit card support but was unable to reach a representative for resolution. 
Concerned about further credit damage, I paid the outstanding amount again via Macys phone payment system in XXXX ( attached proof of transaction ). 
Despite this, I later discovered a new payment due on a subsequent statement, which was unexpected and unjustified. 
On my most recent attempt to resolve the issue, a customer service representative was on the call for XXXX XXXX but was unable to answer my questions. The call was then disconnected without resolution. When I attempted to call back, I was placed on hold for XXXX more XXXX with no further assistance.

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 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
IC Systems has Furnished my Credit reports with an alleged debt that does not belong to me. IC Systems has been sued in the past for alleging violations of the Fair Debt Collection Practices act ( FDCPA ) and unclear debt collection letters which does not explain their rights in contesting a debt. This company violated Federal law. According to the FCRA this company does not have the right to furnish my credit reports, nor my credit worthiness. this agency is in violation of 15 USC 1681b subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates : Did I give you permission to furnish my reports? who gives you the right to collect on this alleged debt? also XXXX XXXX and XXXX is in violation as well I did not receive notice within 15days this was being placed on my Credit report. IC SYSTEMS didn't provide me with a proper validation notice that is not overshadowed or contradicted by other language. I the consumer feels I've been Subjected to deceptive and misleading collection practices, from which they have substantive right to be free. The FDCPA was enacted in 1877 in response to the " abundant evidence of the use of abusive deceptive and unfair debt collection practices by many debt collectors. Also, I the consumer did not receive an Unsecure evenlope to send debt collection letters If I was the responsible party to this alleged debt as if they have it validated, and assumed I'll just be responsible for another consumer debt, and Pay it instead of understanding the rights of the law and having the right to dispute any inaccuracies on my credit reports.

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 2025-04-01 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: VA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I paid {$300.00} they didnt report it at all. Experian also came back saying they have no information on ANOTHER account also I want to look into both of them and I have a few disputes that were paid and no score increase at all. Experian has always taken XXXX points and return only XXXX for the same account that has been paid.

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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
As shown in the screenshot below, when we apply for capital one venture one card and if you are not a previous member or received the bonus with them before, I should get the bonus of XXXX after we spend XXXX in 3 months. I have already spent more than XXXX XXXX it's been only 2 months. So I contacted customer support about this issue and they said the offer was not applied to my account and they can not see the exact reason. But according to terms and conditions from the Website, my situation should definitely get the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: MD

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX bank # XXXX, Account name : XXXX XXXXXXXX bank # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
On XX/XX/year>, my XXXX bank account was frozen for {$1400.00} by Midland Funding LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: PA

Complaint narrative:
My name is XXXX XXXX and I am writing to formally dispute the negative entry regarding the account ( XXXX ) on my credit report. Upon reviewing my credit file, I have found that this account is incorrectly reported and needs to be removed. I request that you investigate the issue and provide me with a written confirmation of your findings. This information is seriously affecting my financial WELL-BEING ... I am aware of my rights under the Fair Credit Reporting Act and I request a thorough investigation concerning these unverified inaccuracies, this is required by FEDERAL LAW!!!! 
The details of the account in question are as follows : Account XXXX : XXXX XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Dear Equifax, I have reviewed my report XXXX. There were names and addresses on it that are incorrect spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATIONTHATIS NOTTHEFOLLOWING : XXXX. XXXX : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX : SS # : XXXX XXXX. MYONLYANDCORRECTDATEOFBIRTH : Date of XXXX : -- - XXXX XXXX. XXXX : XXXX I DONOTWISHTOHAVEMYPHONENUMBERLISTEDONMYREPORT. 
Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the XXXX XXXX XXXX and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 
Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. 
As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 
Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Continuing from the last complaint .... To whom it XXXX concern on XX/XX/year>, at XXXXXXXX XXXX, I called Synchrony Bank for clarification on the amount of {$990.00} USD balance on my XXXX bill. Two weeks prior of today XXXX, I requested a printout from Synchrony Bank for the {$99000.00} USD that is due on my balance. I never received the information ; therefore, I called, the representative informed me, '' the balance due was for a purchase I made for {$1000.00} USD which left me with a balance of {$870.00} USD, then I made purchase for {$110.00} which brought my balance to {$990.00} USD. This is odd since they sent me a notice the beginning of XX/XX/year>, stating, " they had refunded me the {$1000.00} USD and {$1500.00} USD. This is the reason you have to bring in protection from these large entities because they are continuously stealing from their customers. I am going on XXXX and all the XXXX  platforms to ask other customers of Synchrony Bank if they're having to deal with the same problems as I'm having to deal with.

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