vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED 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 2025-06-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Consumer Financial Services Solutions, Inc.
State: CA

Complaint narrative:
I signed up with Beyond Finance hoping to reduce my monthly payments. I have been in the program for roughly XXXX years and have put $ XXXX and even though all of my creditors have negotiated terms I still have everything showing on my credit. Only XXXX of my XXXX accounts have been settled, but Beyond Finance has been collecting their fees on all XXXX of my credit accounts. I had requested to have them focus on the smaller accounts to finish them up first but I was told that wasn't the process. I find their practice to be deceptive and lack transparency with how they handle the business. In the nearly XXXX years that I have been using this I have not seen an improvement in my credit and I have even had XXXX of these accounts go to collections. 

They were not upfront on their fee collection schedule, as they intend to collect all their fees before everything is settled and because of their rush to push a user into payment plans with the creditors I have very little to show for the progress. I was told that my credit would take a minor hit in the beginning until negotiations but with them pushing me to negotiate everything at once and pay each thing slowly ( along with them collecting their money ) I am instead still in the same position I started at and do not anticipate seeing any improvement for XXXX more years. 

When I wanted to cancel my agreement I was told that all the money that has been set for partial payments will be lost to me and maybe not even count towards the creditors that it was meant for. This is a trap system and it has only XXXX my finances even further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-09 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: CA

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX XXXX Account number ( Private ) see attached documents, Experian, XXXX XXXXXXXX XXXX for the unlawful reinsertion of previously deleted 30-day late Payment on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). This late was previously disputed and successfully removed from my credit report. However, I recently reviewed my credit file and discovered that the same negative information has been reinserted without proper notification, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Violation of the FCRA : FCRA Section 611 ( a ) ( 5 ) ( B ). this information was deleted from my consumer file and is subsequently reinserted, the consumer reporting agency shall promptly notify the consumer, in writing, not later than five business days after the reinsertion. no written notice of the reinsertion was provided within 5 business days, as required by law. the credit bureau failed to obtain certification of accuracy from the furnisher prior to reinsertion. I was not informed of the name, address or phone number of the furnisher that verified the accuracy of the information, as required. These actions or lack thereof constitutes violations of FCRA 1681i ( a ) ( 5 ) ( B ), 1681n ( willful noncompliance ), and 1681o ( negligent noncompliance ). Immediately delete the reinserted 30-day late payment from all versions of my credit report. I am providing supporting documentation.ifthis issue is not resolved I will seek legal counsel to pursue of up to! ,000 per violation as permitted under 15 U.S.C. 1681n, in addition to actual damages, cost, and attorney fees. thank you

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 2025-06-09 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: CA

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX XXXX Account number ( Private ) see attached documents, XXXX XXXX Trains Union for the unlawful reinsertion of previously deleted 30-day late Payment on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). This late was previously disputed and successfully removed from my credit report. However, I recently reviewed my credit file and discovered that the same negative information has been reinserted without proper notification, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Violation of the FCRA : FCRA Section 611 ( a ) ( 5 ) ( B ). this information was deleted from my consumer file and is subsequently reinserted, the consumer reporting agency shall promptly notify the consumer, in writing, not later than five business days after the reinsertion. no written notice of the reinsertion was provided within 5 business days, as required by law. the credit bureau failed to obtain certification of accuracy from the furnisher prior to reinsertion. I was not informed of the name, address or phone number of the furnisher that verified the accuracy of the information, as required. These actions or lack thereof constitutes violations of FCRA 1681i ( a ) ( 5 ) ( B ), 1681n ( willful noncompliance ), and 1681o ( negligent noncompliance ). Immediately delete the reinserted 30-day late payment from all versions of my credit report. I am providing supporting documentation.ifthis issue is not resolved I will seek legal counsel to pursue of up to! ,000 per violation as permitted under 15 U.S.C. 1681n, in addition to actual damages, cost, and attorney fees. thank you

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 2025-06-09 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: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
On XX/XX/2025, I received a {$400.00} personal installment loan from XXXX XXXX XXXX XXXX also referred to as Black Hills Credit ). The repayment terms require 13 monthly payments of {$98.00}, totaling {$1200.00} more than three times the original loan amount. This results in an APR of approximatelXXXX XXXX XXXX which is far above the legal limit in California for loans under {$2500.00}. 

I have already paid {$200.00} toward the loan, but the lender claims I still owe {$430.00}. XXXX XXXX XXXX is not licensed to lend in California and claims tribal affiliation to avoid state law. However, Californias interest rate caps and consumer protections should apply, as I live in XXXX and the loan was issued online to my XXXX XXXX account. 

I believe this loan is unlawful and predatory. I did not fully understand the excessive cost of the loan, and I am now being pressured to continue payments on a loan I believe should be void under state 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 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-10 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
I checked my account to see that there was {$18000.00} missing from my account. I applied for a dispute and I was never updated on my refund situation and this has happened with this bank more then 3 times!!! There has been a full total amount of {$18000.00} taken from my account within the pasted year, I am never able to receive my dispute credit and I'm tired of losing money because of the bank 's mistakes who promised to protect my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing this complaint regarding an unresolved claim with Navy Federal Credit Union ( NFCU ) that has now been pending for approximately 45 months. The claim involves two separate transactions, originally filed under one case : {$4200.00} on XX/XX/XXXX {$5100.00} on XX/XX/XXXX The total claim was for {$9300.00}. On XX/XX/XXXX, I submitted all required documents and clearly stated that I was willing to accept the loss on the first charge of {$4200.00} because the items were damaged and discarded. 
However, the second charge of {$5100.00} remains unresolved. I never received the items associated with this transaction, yet NFCU has not processed a refund or properly addressed the claim. 
I have fully complied with every request from NFCU, submitted all necessary documentation, and responded in a timely manner throughout the process. Despite this, the issue remains unresolved and communication from NFCU has been poor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
On XX/XX/XXXX, I learned from my separated spouse that a lawsuit ( Cause No : XXXX, XXXX XXXX XXXX Precinct 4, Place XXXX, XXXX XXXX XXXX Texas ) was served at an address I havent lived at for years ( XXXX XXXX XXXX XXXX XXXX XXXX TX ), not my current address ( XXXX XXXX XXXX, XXXX XXXX TX XXXX ). The suit, filed by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX, claims a {$1900.00} debt from an Upgrade account. I dispute this debt entirely. 

On XX/XX/XXXX, I sent a Notice of Truth, Dispute and Conditional Acceptance to XXXX XXXX XXXX ( received XX/XX/XXXX, Certified Mail Tracking No : XXXX ), demanding validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g ( b ). I requested a written affidavit sworn under penalty of perjury with first-hand knowledge, including a signed contract, purchase agreements, chain of title, assignments, and GAAP bookkeeping entries ( including any IRS Form 1099-C from the original creditor, XXXX XXXX XXXX  ) XXXX I also sent a similar notice to XXXX XXXX XXXX ( received XX/XX/XXXXXXXX  ). Neither party has responded as of XX/XX/XXXX, over 80 days later, violating FDCPA 1692g ( b ), which requires ceasing collection until validation is provided. 

On XX/XX/XXXX, I filed an Affidavit of Truth and Defendants Answer with the court, asserting improper service ( violating Texas Rule of Civil Procedure 106 and Texas Debt Collection Act, Tex. Fin. Code 392.304 ( a ) ( 14 ) ) and lack of evidence ( * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ). I served these on XXXX XXXX ( received XX/XX/XXXX, XXXX XXXX : XXXX ). On XX/XX/XXXX, I demanded GAAP entries and a 1099-C from XXXX XXXX XXXX , with no response. 

A prior CFPB complaint against Velocity ( ID : XXXX, closed XX/XX/XXXXXXXX  ) noted XXXX XXXX claim that service was perfected on XX/XX/XXXX, by affixing to a door at the wrong address, which I dispute. They admitted receiving my dispute on XX/XX/XXXX, and updating my address, but stated validation is still being processed. Continuing the lawsuit without validation violates FDCPA 1692e ( false representations ) and Tex. Fin. Code 392.202 ( failure to verify disputed debt ). Their claim of no credit reporting doesnt address potential FCRA violations ( 15 USC 1681s-2 ( b ) ) if negative impacts occur, which Ive demanded they prove absent. 

XXXX XXXX failure to validate, improper service, and ongoing litigation despite my dispute are unlawful, causing distress and legal expenses. I demand they cease collection and dismiss the case.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Contracted each of the credit agency and creditors to assist with the correction and no action has taken place

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
Contracted each of the credit agency and creditors to assist with the correction and no action has taken place

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 2025-06-10 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: Universal Account Servicing, LLC
State: NY

Complaint narrative:
I am formally demanding the immediate termination of my financing agreement ( Account # XXXX ) and the cancellation of all remaining payments, on the grounds of product misrepresentation, lack of usability, and repeated failure to resolve the issue. 

Key facts : I entered into a {$3100.00} financing agreement at 17 % interest in XX/XX/year>. 

I have made XXXX  monthly payments totaling {$570.00}. 

The diffuser is unsuitable for my apartment, producing an overwhelming amount of scent and requiring a complicated setup that has made it impractical and unusable. 

I first raised concerns on XX/XX/XXXX, just days after initial use, stating that the product was overpowering and not working for my space. 

I have since made over XXXX attempts to contact their team to resolve the issue or return the product with no meaningful help, only deflection to tech support or denial of cancellation. 

The {$3100.00} loan was grossly inflated by bundling monthly oils I never needed. The equipment itself sells for under {$1000.00}, and I was misled into thinking I needed an excessive plan to make it work. 

The merchant falsely told XXXX I refused help and ended the call, which is untrue. I stated that I had limited time during our XX/XX/XXXX call and was not being offered real options. I followed up immediately in writing to correct the record and was ignored again. 

This situation reflects : Unfair and deceptive trade practices Predatory third-party financing Failure to honor basic consumer rights I am not seeking a refund only to exit this contract and stop further payments. If I do not receive written confirmation within XXXX business days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a monthly bill from CITICARDS for the billing period XX/XX/year> - XX/XX/year>. 
The bill was due on XX/XX/year> On XX/XX/year> I wrote a check for the full amount due and mailed it. 
The full payment was sent 19 DAYS BEFORE IT WAS DUE. 
( Payment was sent on the very same day I received the bill. ) CITICARDS did not process my payment until after its due date. 
CITCARDS charged me {$45.00} interest '' on my subsequent bill for late payment. 
I called to have the erroneous charge removed and they refused to do so insisting that payment was received late. Nothing I cited or reasoned would sway them. 
I submit that they are in error : I mailed the payment the day I received the bill- a full 19 days before payment was due. CITICARDS and I are both party to a pay-by-check agreement the payment was sent the very day billing was received : a more timely payment is impossible. 
I paid the erroneous interest and I want it paid back to me. 
I am seeking return of the {$45.00} which I never owed them. 
Incidentally, they subjected me to another specious and false interest charge on my newest paper bill : {$24.00} in interest was charged. I called them and cited the fact that via email they acknowledged receipt of my payment for that bill 8 DAYS BEFORE IT WAS DUE. Yet on my paper bill they were charging interest. They removed that {$24.00} charge. 
I am convinced CITICARDS acting criminally ( and intentionally so ) in its billing practices. 
I want my {$45.00} paid back to me.

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 2025-06-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm writing to dispute fraudulent accounts that have appeared on my credit report. These unauthorized accounts are negatively impacting my credit score and ability to obtain credit. Please investigate and remove them from my report as soon as possible. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
I'm writing to dispute fraudulent accounts that have appeared on my credit report. These unauthorized accounts are negatively impacting my credit score and ability to obtain credit. Please investigate and remove them from my report as soon as possible. Thank you for your prompt attention to this matter.

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