vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding the Gear Up credit card, issued by FNBO Bank, and the dubious and unethical practices I have experienced with this institution. 
When I contacted FNBO to resolve this matter, I encountered repeated barriers. At one point, I was told I could not be assisted because my cell phone does not receive text messages, despite the fact that FNBO had no problem calling my phone and verifying my identity that way. This arbitrary refusal to provide service demonstrates deliberate obstruction, not a legitimate security concern. 
I filed a complaint with the CFPB, and FNBO admitted wrongdoing. However, they did not address all of my concerns. Specifically, I requested copies of the relevant policies and procedures, but my request was ignored. Furthermore, I was explicitly denied the ability to speak with a supervisor. I was told it was accurate that I would not be allowed supervisor to contact an admission that FNBO intentionally prevents escalation and accountability. 
In addition, FNBO assessed finance charges despite the fact that they withdrew significantly more than the amount due and later returned {$230.00}. No explanation has been provided as to why or how this occurred. I never authorized FNBO to transfer my prior XXXX XXXXXXXX XXXX XXXX balance to this XXXX  XXXX  XXXX, nor did I authorize overpayment withdrawals from my credit union account. 
On XX/XX/year>, I received a statement showing a credit balance on my account. Shortly thereafter, I discovered that FNBO Bank, through the Gear Up card, had taken funds directly from my Michigan XXXX XXXX XXXX account without my authorization. More than {$2000.00} was withdrawn, despite the fact that I never scheduled such a payment, nor was I aware of the amount or the account details involved. 
The actions of FNBO Bank and the XXXX XXXX credit card program constitute unlawful withdrawal of funds, unethical banking practices, and a complete disregard for consumer protections. The lack of transparency, refusal to provide supervisor access, and denial of policy information further demonstrate an intentional effort to block consumers from obtaining fair treatment and answers. 
I am requesting a full investigation into FNBO Banks actions, an explanation of how and why unauthorized withdrawals were made, reimbursement of all finance charges and fees wrongfully assessed, and immediate corrective measures to prevent such misconduct from happening again. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
I was reviewing my credit report and noticed inquiries that do not belong to me. I am entitled to {$1000.00} per violation and inaccuracies are being reported on my credit report. XXXX  is reporting duplicate inquiries XX/XX/year>XXXX XXXX XXXX XX/XX/year> and XXXX XXXX XX/XX/XXXX, XXXX review attachments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I am disputing multiple inaccurate late payment entries on my credit reports that are inconsistent across the credit bureaus. These discrepancies violate the accuracy requirements of the Fair Credit Reporting Act ( FCRA ) and the duty of furnishers to provide complete and correct information. For instance, the account XXXX XXXX XXXX reflects late payments from XX/XX/XXXX through XX/XX/XXXX on my TransUnion report, while it is reported in good standing by the other bureaus. Similar inconsistencies are present with the following accounts : XXXX XXXX, showing a late payment only on XXXX XXXX XXXX XXXX XXXX XXXX, showing a late payment only on XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, with differing statuses across bureaus ; and XXXX XXXX XXXXXXXX, XXXX XXXX XXXX also reported inconsistently. These entries are inaccurate, incomplete, and materially misleading because the same accounts are reported differently by different consumer reporting agencies. Under FCRA ( 607 ( b ), 611, and 623 ( a ) ( 2 ) ), consumer reporting agencies and furnishers are required to ensure the accuracy of reported information, promptly correct errors, and remove unverifiable data. I have requested that the bureaus reinvestigate these items and either ensure consistent, accurate reporting across all credit reports or delete the entries entirely. If the information can not be verified within the legal timeframe, the law mandates that the accounts be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I am disputing multiple inaccurate late payment entries on my credit reports that are inconsistent across the credit bureaus. These discrepancies violate the accuracy requirements of the Fair Credit Reporting Act ( FCRA ) and the duty of furnishers to provide complete and correct information. For instance, the account XXXX XXXX XXXX reflects late payments from XX/XX/XXXX through XX/XX/XXXX on my TransUnion report, while it is reported in good standing by the other bureaus. Similar inconsistencies are present with the following accounts : XXXX XXXX, showing a late payment only on XXXX XXXX XXXX XXXX XXXX XXXX, showing a late payment only on XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, with differing statuses across bureaus ; and XXXX XXXX XXXXXXXX, XXXX XXXX XXXX also reported inconsistently. These entries are inaccurate, incomplete, and materially misleading because the same accounts are reported differently by different consumer reporting agencies. Under FCRA ( 607 ( b ), 611, and 623 ( a ) ( 2 ) ), consumer reporting agencies and furnishers are required to ensure the accuracy of reported information, promptly correct errors, and remove unverifiable data. I have requested that the bureaus reinvestigate these items and either ensure consistent, accurate reporting across all credit reports or delete the entries entirely. If the information can not be verified within the legal timeframe, the law mandates that the accounts be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I have disputed several accounts with Experian that do not belong to me and are the result of identity theft. I included my FTC Identity Theft Report and supporting documents to validate my dispute. Despite providing this clear evidence, Experian continues to keep these inaccurate accounts on my credit report. This ongoing reporting of fraudulent information is damaging and demonstrates Experians failure to correct known inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
I am disputing multiple inaccurate and unauthorized items appearing on my credit report. These accounts and inquiries are the result of identity theft and were not authorized or opened by me. Despite my disputes, they remain reported and continue to cause harm to my credit profile. 
Disputed Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Applicable Laws Violated : FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ) : My credit report was accessed without permissible purpose, making the above inquiries unlawful.

FCRA 619 ( 15 U.S.C. 1681q ) : Obtaining a credit report under false pretenses is prohibited, yet several companies have done so.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit bureaus must ensure maximum possible accuracy. Reporting accounts that I did not authorize, including charged-off, repossession, and collection accounts tied to identity theft, violates this obligation. 
FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) : I have a right to dispute inaccurate information and request reinvestigation. These items remain uncorrected despite my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts are a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. There are also fraudulent inquiries at XXXX XXXX, on XX/XX/XXXX, and XXXX XXXX, on XX/XX/XXXX appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, or hard inquiries as reported. The aforementioned account, and hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, and hard inquiry are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX, XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account, and hard inquiry are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Zions Debt Holdings
State: OK

Complaint narrative:
Cease and Desist Letter to Zions Debt Holdings, XXXX Zions Debt Holdings, LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Notice to Cease and Desist Unlawful Collection Practices Dear Zions Debt Holdings, This letter serves as a formal demand for you to immediately cease and desist all communication and collection activity directed toward me, effective upon receipt. 

Your repeated contact and collection efforts are in direct violation of the * * Fair Debt Collection Practices Act ( FDCPA ) * * and applicable state laws. Specifically, your actions constitute harassment, misrepresentation, and failure to provide proper written notice of alleged debts. Furthermore, regulatory findings from the * * XXXX XXXX XXXX XXXX * * and the * * XXXX XXXX XXXX XXXXXXXX * * indicate that your agency has engaged in unlicensed collection activity and deceptive practices. 

I hereby revoke any prior consent, explicit or implied, for you to contact me via phone, email, text, mail, or any other medium. You are further instructed not to disclose any information regarding this alleged debt to third parties, including credit reporting agencies, unless you can provide documented proof of its validity and your legal authority to collect it. 

Failure to comply with this notice will result in immediate legal action, including but not limited to filing complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * *, * * State Attorney Generals Office * *, and pursuing civil remedies under the FDCPA and other applicable statutes. 

This letter is not an acknowledgment of any debt, nor does it waive any rights under federal or state law. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AZ

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 explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 reported to be removed/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 XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent Capital Services L.P . Sends me emails and text messages daily. They even threaten me with sending me to court if I dont paid in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: CL Holdings LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Cease and Desist Notice Pursuant to 15 U.S. Code 1692c ( c ) To Whom It May Concern, This letter is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c ( c ), demanding that you immediately cease and desist all forms of communication with me regarding the alleged debt referenced above. This includes, but is not limited to, phone calls, letters, emails, or any other direct or indirect contact. 

Furthermore, I am formally disputing the validity of this alleged debt and demanding immediate deletion of any reporting related to this account from all consumer credit reporting agencies ( XXXX, XXXX, and XXXX ). You are required under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of any information you furnish. Failure to remove inaccurate, unverifiable, or disputed accounts constitutes a violation of federal law. 

I am fully aware of my rights under the FDCPA and FCRA. Should you fail to comply with this request, I will not hesitate to file complaints with the Federal Trade Commission ( FTC ), and my states Attorney General. I also reserve the right to pursue civil action for any continued violations, including statutory damages, court costs, and attorney 's fees. 

Let this letter serve as your legal notice to comply immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I submitted multiple disputes to Equifax regarding accounts that do not belong to me. These accounts are inaccurate, and I have no knowledge or connection to them. To support my disputes, I provided an official FTC Identity Theft Report as evidence that these accounts are fraudulent. Despite this, Equifax continues to report these disputed items on my credit file without proper investigation or correction, which is a violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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