vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: TX

Complaint narrative:
I did XXXX large balance transfers for which I paid a 5 % fee. 

I also used this credit card for several purchases, for which I was charged interest. 

I called the credit card company to ask how I can have a payment applied to the outstanding balance that is subject to interest. I was told they have no way of doing that, and I would have to pay the entire balance in full. This would include the balance transfers! 

This is bad faith on the part of the bank since I would have to pay the entire balance for which I just spent a 5 % fee in order to defer interest. 

The company is Elan Services through Fidelity.

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 2025-10-28 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My XXXX credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

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 2025-10-28 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: AZ

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-28 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 have reviewed my Experian credit report dated XX/XX/XXXX and found multiple items that appear inaccurate or unverifiable. Pursuant to 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) and 1681i ( a ) ( 1 ) ( A ) ( duty to reinvestigate disputed information ), please conduct a lawful reinvestigation and correct or delete the following entries : 1. XXXX XXXX / XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Reports 30- and 60-day lates in XXXX. Under 15 U.S.C. 1666b, a payment can not be treated as late unless the statement was delivered 21 days before the due date. Please verify documentation proving proper notice or remove the late codes.

2. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Listed as 90-day late ( XXXX ) with consumer disputed comment. Provide the method of verification per 1681i ( a ) ( 6 ) ( B ) ( iii ) identify the furnisher, contact date, and records reviewedor delete the item if this can not be substantiated.

3. XXXX XXXX XXXX XXXX Account # XXXX Reports as charge-off with {$300.00} past due and dispute resolved consumer disagrees. 
If a charge-off occurred, a Form 1099-C should exist ; if not, the reporting is inaccurate.

Please verify the correct charge-off status and balance, or delete for failure to maintain maximum accuracy ( 1681e ( b ) ).

4. XXXX XXXX Services Account # XXXX XXXX XXXX XXXX XXXX Shows charge-off with {$10000.00} balance as of XX/XX/XXXX. A charged-off account should show {$0.00} balance if loss was claimed. Please provide evidence of current valid balance and chain of title, or delete as inaccurate/incomplete ( 1681i ( a ) ( 5 ) ( A ) ).

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 2025-10-28 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: AL

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 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 2025-10-28 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: AL

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 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NM

Complaint narrative:
I am contacting you regarding the alleged debt your company claims I owe. I want to make it absolutely clear that I dispute the validity of this debt and do not authorize any further contact from your company.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer provides written notice to cease communication, you are legally required to stop all contact except to confirm you will no longer be communicating or to inform me of specific legal action. Despite this law, your continued attempts to contact me and report this alleged debt have caused unnecessary stress and inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: PA

Complaint narrative:
Today as of XX/XX/XXXX I have received information on how they calculated my debt that was sold to a company and reported on my credit as a collection in the amount of {$11000.00}. Firstly, I never received any notice from the original creditor about this alleged debt or its transfer, which violates my rights under the FDCPA and FCRA. I have not received ANY proof that they sent me a notice of this account. Also, I see that such charges started XX/XX/XXXX in the amount of {$1000.00} up XXXX XX/XX/XXXX. I was moved out of the unit BEFORE XX/XX/XXXX, I dropped a letter in the beginning of XXXX at the rent office that I was moving out, I no longer have the documents to that since it has been a few years and ALSO tried reaching out over the phone with NO answer or response to my voicemail. Another thing, the last lease I signed was XX/XX/XXXX and I did NOT renew any leases after that. So any charges assessed AFTER my move-out date are inaccurate and UNAUTHORIZED. Also, it states district court dates in the resident ledger on dates XX/XX/XXXX and XX/XX/XXXX which I have NEVER received any notice about these court dates. Additionally, the resident ledger this company provided includes a District Court Fee entry of {$160.00} marked as VOID. This indicates no court case or judgment was ever filed or finalized. As such, there is no legal basis for any claim of judgment or continued obligation beyond my move-out date. This further supports my position that the alleged balance is inaccurate and not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
1 ) Capital One company put out " applying for Quicksilver credit card with {$500.00} spend in 90 days and get {$200.00} bonus '' ad. on there website. 

2 ) We followed their instruction and applied for that credit card in XX/XX/year>. Now we finished the amount of the expenditure, but didn't get the cash bonus. 

3 ) We communciated with Capital One credit card department, the answer is : you are not included in the bonus programm.

4 ) They didn't explain why I was not included. It is obvious that they don't want to give me or more customers the cash bonus. 

The ad. is still on their website ( see the pictures below with the date ). if they keep cheating their customers, I don't know how many people will fall into their traps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
My Equifax report could not be retrieved through XXXX  as of XX/XX/year>, indicating possible file mismatch or missing data. Under the Fair Credit Reporting Act, please verify that my file is accurate and complete and that the following accounts are properly reported or removed if unverifiable : 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/year>, I deposited a check for {$1200.00} into my Citibank account. The check was in my husbands name. After the deposit, the bank blocked my account without sending me any email or letter about it. I had to call and visit the branch to find out that the account was under investigation. 
On XX/XX/XXXX, I went to the branch and they told me to wait for the investigation to finish. On XX/XX/XXXX, I was told to come back to the branch with my husband to finalize the investigation. We both went, showed our IDs, and after about XXXX minutes the representative came back and said everything was resolved. 
A few days later, I called Citibank again, and they said there was no record in the system that the investigation was completed. I went back to the branch again, and another representative helped me. She called the Fraud Department, finalized everything, and told me I would receive a refund check in the mail. 
It has now been over a month, and I still have not received the refund check. Every time I call Citibank, they say there is no update and to call back in XXXX hours, but nothing ever changes. 
I just want to receive my refund check as promised.

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 2025-10-28 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: PA

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized. 
These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information. 
To protect myself and follow the proper legal process, I filed a Police Report ( XXXX XXXX. XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( 4 ) business days.

This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file.

Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ).

The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information. 
It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated. 
I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-28 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/year>, I mailed certified dispute letters to Experian and Midland Credit Management regarding a {$990.00} collection account originally from XXXX XXXXXXXX XXXX. Both companies received the letters between XXXX XXXX XXXX ( proof of delivery attached ). 
In my letters, I requested verification or deletion of the account under the Fair Credit Reporting Act and asked XXXX  to provide the Method of Verification explaining how the information was confirmed. I also requested that Midland provide full debt validation, including documentation from the original creditor, a copy of any signed agreement, and proof that Midland is licensed to collect debts in Texas. 
On XX/XX/year>, XXXX  emailed that my dispute results were ready. They closed the reinvestigation in less than 15 days and marked the account as verified/updated, but provided no documentation, no explanation of how the information was verified, and no Method of Verification.

As of today, Midland Credit Management has not yet provided validation documents ; its XXXX response period from delivery is still running. The same {$990.00} XXXX collection remains on my XXXX credit report, creating confusion about which XXXX entity is the true owner or furnisher of the account. 
I am requesting that XXXX  provide full verification documentation or delete the account for failure to verify within the required timeframe, and that XXXX cease reporting until full debt validation is produced. 
I believe Experian violated FCRA 611 ( a ) ( 1 ) ( A ) by failing to perform a reasonable reinvestigation, and FCRA 611 ( a ) ( 7 ) by not providing a Method of Verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Subject : Unreasonable Hold on Verified Payroll Check Request for Immediate Review On XX/XX/year>, I deposited my first payroll check from my verified employer through XXXX into my Citibank account. The check amount was {$1100.00}, and Citibank placed a hold on the full amount until XX/XX/year>. I have provided my pay stub and employer verification, and Ive contacted both Citibank customer service and the branch XXXX. Despite confirming this is a legitimate payroll check, I was told I must wait until XX/XX/XXXX for the funds to clear. This is causing financial hardship and unnecessary delay of my earned income. XXXX requesting that Citibank immediately verify the check with my employer or XXXX and release the funds, or provide documentation showing why the full XXXX hold is required. I am filing this complaint because I have exhausted attempts to resolve the matter directly with the bank. I can provide documentation of my deposit and payroll verification if needed. Requested Resolution : Release of verified payroll funds, and assurance that future legitimate deposits will not be subject to excessive holds. I also feel like XXXX being discriminated against. I received a letter on XX/XX/XXXX evening. The letter is dated for XX/XX/XXXX. Your deposit was received is the headlight of the letter its telling me on the letter that reasons for delay we have confidential information, indicating the check XXXX not be paid, but when I called my payroll today through XXXX, they verified that Citibank cashed my check already and they could not cancel the check through my job because it has already been cashed into my bank account, so how can they possibly be sending me a letter stating we have confidential information indicating the check XXXX not be paid if they already cashed it and its from my job

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