vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX  Accounts XXXX XXXX XXXX XXXX * * * * * * * * * Personal Information : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
Im filing a complaint against Discover and the collection agency that took over my account. I was a customer for over 10 years, and this was my very first credit accountsomething I was proud to have and worked hard to maintain. Unfortunately, after two failed autopayments, my account was suddenly closed without meaningful warning or an attempt to work with me, and was immediately sent to collections.

I spoke with the collection agency right away and explained how important this account was to me. I also agreed to a payment plan under the impression that I was working to pay off the debt.

After over a year and three months ( 15 months ) of regular payments, I just learned that none of my payments have reduced the principal balance. Every payment has gone entirely toward interest, and my original balance hasnt changed at all. 

At no point was I informed that this would be an interest-only payment plan. I feel misled, taken advantage of, and deeply frustrated by how Ive been treated. A minimum payment structure should never leave a consumer in the exact same debt position after over a year of good-faith payments. 

Additionally, it feels like this treatment is part of a larger systemic issue, especially now that Discover is merging with XXXX XXXX. It appears they are simply closing long-standing accounts and pushing consumers into arrangements where they collect interest indefinitely without offering a path to resolution. 

Im requesting the CFPB investigate this matter and determine whether this practice violates the CARD Act, the Fair Debt Collection Practices Act, or other consumer protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I settled my account with XXXXXXXX XXXX XXXX ( ending in XXXX ) in full through their legal representatives, XXXX XXXX XXXX. On XX/XX/year>, I received an official letter from XXXX XXXX XXXX confirming the account was settled and paid in full. 

Despite this, the Bureau continues to inaccurately report the account with the following narrative codes : Paid in full for less than the full balance ( XXXX ) Paid charge off ( XXXX ) Consumer disputes reinvestigation in progress ( XXXX ) These are outdated and misleading. The dispute should have been resolved by now, and the tradeline should reflect the accurate status. The credit reporting bureau has failed to update the account in accordance with the Fair Credit Reporting Act ( FCRA ), even after being provided with the settlement confirmation. 

This misreporting is damaging my credit and delaying important financial decisions such as auto financing.

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 2025-06-01 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: NV

Complaint narrative:
In XXXX, 2025, a loan company reported several fraudulent loans in my name to Experian. I never took out these loans. I disputed the loans with Experian as fraudulent and asked to have access to the " dedicated fraud resolution specialist '' that Experian markets as a feature of the Experian Identity Works Premium membership that I have paid for monthly for years. The disputes were processed as general inquiry disputes, not fraud disputes for an unknown reason. When I called Experian a second time to follow up on the fraud disputes, I was transferred back and forth between the membership department, the fraud department, and the dispute department. Each department would take about 10 minutes verifying my id over the phone and then tell me they were unable to assist and transfer me to the next department to start the verification process all over again, causing me to spend hours a day over numerous days trying to dispute the fraudulent entries. After several days of this, I demanded to speak with the fraud resolution specialist and I was told that I could not speak to the fraud resolution specialist because I had taken out loans with this company in the past. I was told " because you had a previous business relationship with that company, you are not entitled to speak with the fraudulent specialist. '' I explained that made no sense. I asked the rep if I had an XXXX XXXX card in the past and a new XXXX XXXX card were to show up on my Experian report that I never applied for, would Experian insist on reporting the fraudulent account and keep me from talking with a fraud resolution specialist? I was told yes. I uploaded to the Experian disputes the police reports and report to my State 's attorney general regarding the fraudulent accounts and I Experian is still reporting the fraudulent loans.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hey I would like to dispute XXXX XXXX XXXX XXXX XXXX The XXXX XXXX  shows a late payment for XX/XX/XXXX & XX/XX/XXXX But when checking Consumer Reports it is completely Inaccurate The XXXX XXXX shows a late payment for XX/XX/XXXX First I have made sure to pay each of these cards each month and I was not notified at all about any due or missing payments Second Upon reviewing my Consumer Reports, I discovered some instances of late payments on these two accounts listed above ( XXXX XXXX XXXX XXXX XXXX ) for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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
Consumer complaint received 2025-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See attached notice to file suit. Signed and notarized Affidavit was sent via certified mail as well to you and 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 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I received a XXXX XXXX XXXX  from 'cash app ' company. I don't know about this company but someone is using my identity to open account with this company. I faced similar issue ema week ago with another company named stash. Someone has my SSN, name, dob and exact address and was able to open an account with stash. I only came to know about it through an email from stash.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: COLUMBIA BANKING SYSTEM, INC.
State: WA

Complaint narrative:
I am a homeowner who has been wrongfully foreclosed upon by Umpqua Bank and its trustee/attorney XXXX XXXX . Despite my repeated attempts to resolve alleged issues on the account, the bank continued foreclosure proceedings unlawfully. 

In XX/XX/scrub> 2023, I made a certified payment of {$19000.00} to Umpqua Bank at a branch, attempting to cure the balance. I also sent a Qualified Written Request ( QWR ) and a UCC 9-210 Statement of Account demand, stating that the loan balance was {$0.00} pending proper verification. Umpqua Bank never responded within the required timeframe and never provided a full accounting.

Nevertheless, they moved forward with foreclosure, relying on inflated balances and unsupported fees. The trustee, XXXX XXXX, claimed she posted notice of default and sale on a locked gatebut there has never been a locked gate on the property. The first trustees deed was rejected by the county for filing errors, and a second version was filed later without new notice.

The bank also pursued an unlawful detainer action, claiming I was a tenant, even though I am the legal owner and I have filed a quiet title action in court, which is still pending. A writ of restitution was issued based on a mischaracterization of my status and without resolving the serious title and servicing disputes.

I believe the foreclosure was carried out despite Umpqua Bank receiving payment or reimbursement from mortgage insurance or investor funds ( XXXX XXXX was identified as the owner ), meaning they
had no right to foreclose. Their conduct may constitute dual tracking, failure to respond to valid account disputes, and foreclosure without standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hey I would like to dispute XXXX XXXX XXXX XXXX XXXX The XXXX Card shows a late payment for XX/XX/XXXX & XX/XX/XXXX But when checking Consumer Reports it is completely Inaccurate The XXXX XXXX shows a late payment for XX/XX/XXXX First I have made sure to pay each of these cards each month and I was not notified at all about any due or missing payments Second Upon reviewing my Consumer Reports, I discovered some instances of late payments on these two accounts listed above ( XXXX XXXX XXXX XXXX XXXX ) for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX Card ( XXXXXXXX XXXX XXXX XXXX XXXX  ) & XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ),. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: CA

Complaint narrative:
On XX/XX/year>, I settled my account with XXXXXXXX XXXX XXXX ( ending in XXXX ) in full through their legal representatives, XXXX XXXX XXXX. On XX/XX/year>, I received an official letter from XXXX XXXX XXXX confirming the account was settled and paid in full. 

Despite this, the Bureau continues to inaccurately report the account with the following narrative codes : Paid in full for less than the full balance ( XXXX ) Paid charge off ( XXXX ) Consumer disputes reinvestigation in progress ( XXXX ) These are outdated and misleading. The dispute should have been resolved by now, and the tradeline should reflect the accurate status. The credit reporting bureau has failed to update the account in accordance with the Fair Credit Reporting Act ( FCRA ), even after being provided with the settlement confirmation. 

This misreporting is damaging my credit and delaying important financial decisions such as auto financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Professional Debt Mediation XXXX XXXX XXXX, XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX Verification Of Debt Request Re : Acct # : XXXX Amount in dispute : {$2100.00} Dear Professional Debt Mediation, I am reaching out to you about the debt you are trying to collect. You contacted me by phone on XX/XX/XXXX. This letter is being sent by you to pursuant to the fair debt collection practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ) which states that you must supply the following information : Information About the Debt and About the Creditor Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing : The amount of debt ; The name of the creditor to whom the debt is owed. 

Contract that I signed proving this debt is mine. 

A statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing the accuracy and legality of Jefferson Capital Systems account # XXXX, which is being reported on my credit file as a collection account with a past due balance of {$1600.00}. I was never properly notified nor given a lawful opportunity to dispute this debt under the FDCPA. I request certified documentation, including proof of ownership, a signed agreement, and chain of custody for this alleged debt. If Jefferson Capital can not provide this information, I request that the tradeline be deleted immediately from my credit report. Reporting unverifiable debt may constitute willful noncompliance with the FCRA 623 ( a ) ( 1 ) ( A ) and is grounds for formal legal action under FCRA 616.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: IL

Complaint narrative:
This item 1st digital/synovus/XXXX  is inaccurate because this debt was sold to a third party company without my knowledge and the amount being reported is accurate.I am requesting that this item be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit and making XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm a victim of identity theft, and it has caused a XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received a {$50.00} Amex e gift card as a bonus from work. I have tried to use it multiple times at several different retailers and it does not work. I have tried adding the card to m
y XXXX XXXX XXXX but it still will not work. 

Amex suggested that I try to use the card only at retailers/places that ask for the name, card number, and expiration only. Even trying that, it does not work.

The card balance still says {$50.00} and that the card is active. Yet, I can not actually use the money on anything anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation