vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Finance Company, Inc.
State: NC

Complaint narrative:
National Finance Company stated that they are not obligated to follow the Consumer Financial Protection Bureau 's Debt Collection Rules. 
I am uploading evidence. 

They repeatedly called me, exceeding 7 times in 7 days. 
I am uploading evidence. 

This company needs to be held accountable. If not, their unethical and illegal acts will only continue against other consumers. 

The issue is not resolved. They started calling in less than XXXX hours after the 1st missed payment and called every day. They called so much it gave me anxiety and mild panic attacks. They sent a letter that stated they will send the sheriff to my house and take out charges against me. All of this was done within 30 days of the missed payment. They threatened to take me to court unless I refinance, and also told me they would charge me {$18.00} for each day I go without agreeing to refinancing. I lost all the money I had previously paid ( around {$700.00} ), and the new finance was back to the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Blockchain.com, Inc.
State: MO

Complaint narrative:
They have no paid me for the full referral bonus amount. This happens on the XXXX I was supposed to get {$70.00} for buying {$150.00} worth of crypto, and while they did send {$40.00} they never sent the last {$30.00}. I have tried contacting the through multiple social media sites and emailed them which they now have emailed me back since but it has been four days since the last email and six days since the very first email and they do not seem to care. Also I have already made a claim through this very website and they claimed to have no customer under the email address name phone number address but I decided that since they wanted to okay that game that Im gon na bring receipts this time. They were better off acknowledging they had made a mistake as opposed to deny that I exist as a customer because part of the referral bonus is that you have to pass KYC and while the email may not be the same email, I know they have my phone number my address my name and Im pretty sure r they even have my SSN so why theyre denying that I even exist as a customer is beyond me, specially since they have since responded to me via email

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MI

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : 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 XXXX 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 explanation
Consumer complaint received 2025-09-18 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: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I took out a solar loan with XXXX in XXXX. The agreement stated that XXXX would disburse the loan in two payments 50 % up front and the balance upon project completion. However, XXXX paid the entire loan amount up front to the original installer ( XXXX XXXX XXXX ), who subsequently abandoned the job without completing the installation. 

XXXX later acknowledged the project was incomplete and promised to cover the cost of completion with a new installer in early XXXX. That second installer submitted a bid, and work was scheduled but XXXX rescinded their offer, citing their bankruptcy, and has refused to fund the remainder of the project. 

Despite this, XXXX has continued billing me for loan payments on an unfinished system and has now reported me as XXXX days late to the credit bureaus, causing credit damage. 

I am disputing this debt, which is based on a project that was never delivered, and which XXXX has admitted is incomplete. I am seeking full cancellation of the loan, repair of my credit, and a return of any payments made for services not rendered.

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 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity Properties Inc.
State: PA

Complaint narrative:
Fidelity XXXX XXXX is reporting an account ( Acct. XXXX ) in the amount of {$770.00} to XXXX  and XXXX  Claiming a debt belong to me for a service provided by a company called XXXX XXXX XXXX. I have no financial relationship with Fidelity XXXX XXXX or the alleged creditor. I tried to contact the alleged creditor to verify the debt and what was shared with the collection agency which could represent a major violation of my rights provided by the Health Insurance Portability and Accountability Act ( HIPAA ), 45 CFR 164.528 and will be a basis to initiate a lawsuit against the company. However, the alleged Creditor failed to provide any information that the debt belong to me.

I disputed the account and requested verification. Despite my disputes, Fidelity and XXXX XXXX XXXX failed to provide any proof of the debt. Instead, they continue to report it, causing harm to my credit rating and reputation. Their actions appear to be an attempt to coerce me into paying a debt I do not owe by damaging my credit report. 
This conduct is fraudulent, deceptive, and violates both federal and state consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: MS

Complaint narrative:
VANCE and HUFFMAN LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCE and HUFFMAN LLC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: GA

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 2025-09-18 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: EQUIFAX, INC.
State: GA

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 2025-09-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year> XXXX - XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently discovered I have been a victim of identity theft

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a XXXX XXXX XXXX XXXX XXXX  card and did not activate the card. On XX/XX/XXXX, after returning home from work and running errands, I received a letter from Synchrony Bank stating that a review was being conducted due to potential fraud with the XXXX XXXX XXXX. Yesterday, XX/XX/XXXX, I reported this to the bank and all credit bureaus that an account was open. XXXX  put a fraud alert on my credit. I put a freeze on my credit accounts through all XXXX  today, XX/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 non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I deposited a check for {$1400.00} into my Citibank account ending in XXXX on XX/XX/year>. Immediately after the deposit, Citibank closed my account without prior notice. My debit card ending in XXXX also became unusable. 

Since XX/XX/XXXX until today, Citibank has withheld my deposited funds and has not returned them to me. I have not received any mail, email, or written communication explaining why my account was closed or why the funds continue to be held. Because my account was closed, I no longer have access to online banking and can not retrieve deposit receipts or account statements.

Under Regulation CC ( 12 CFR Part 229 ) and Citibanks own Funds Availability Disclosure, deposited funds must generally be made available within XXXX business days, and no more than XXXX business days under certain exceptions ( such as new accounts, large deposits, or suspected fraud ). Holding my funds since XX/XX/year> nearly XXXX months until today without explanation appears unlawful. 

What I want Citibank to do : 1. Immediately release my deposited funds of {$1400.00}. 
2. Provide a written explanation for the account closure and extended hold.

3. Reimburse me for any damages caused by Citibanks withholding of funds, including any late fees, overdraft charges, or financial hardship.

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Submitted a payment from the same bank account I have submitted payments from for the last XXXX  years. Venmo has placed a 15 day hold on the money and will not release even a portion of the balance. My account shows {$700.00} of the balance should be available but even that amount is not available

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 2025-09-18 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: SC

Complaint narrative:
I had a XXXX XXXX card from Capital One and redeemed my points for {$270.00} worth of electronic XXXX gift cards. 

I never received the email with those gift cards, so I called Capital One and they filed a case for me on XX/XX/year>. Months went by without receiving any notice from them, and I proceeded to call back an additional 6 times since then, spending a total of over XXXX hours on the phone with them and filing XXXX cases. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Every time I called, I was instructed that there was nothing they could do, no information they could provide, and no way for me to get my gift cards other than to wait longer. 

It has now been over XXXX months since I've been owed my {$270.00} in XXXX gift cards, and I have still made no progress on my case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-18 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: Credit Karma, LLC
State: PA

Complaint narrative:
Continuing issues with XXXX XXXX  as stated previously. 

THEY WILL NOT CALL WITH SOMEONE TO ASST ME WITH THEIR NEVER-ENDING CREDIT REPORT & SCORE TEASING E MAILS OF WHICH I CAN NEVER OPEN PAST THE INITIAL TESING EMAIL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: NV

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
I dispute the Caine & Weiner account. The account reports different payment histories and balances across the bureaus. This violates FCRA 607 ( b ) and 623 ( a ) ( 3 ). XXXX XXXX has not produced original contracts or payment verification. Under 611 ( a ), unverifiable accounts must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief